--- title: "Epb Employees Credit Union Rates (Nov 2026): CDs to 3.95%" description: "Epb Employees Credit Union rates today: savings & CDs up to 3.95% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Epb Employees Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/tennessee/epb-employees" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Epb Employees Credit Union Rates (Nov 2026): CDs to 3.95% ### Auto & vehicle rates 2 offers | Product | Published | Rate | Term / condition | Status | | **60 Months, Up To 15,000 Miles** auto_any_60mo | — APR | 5.000% | 60 mo | Standard | | **72 Months, Up To 15,000 Miles** auto_any_72mo | — APR | 5.500% | 72 mo | Standard | Epb Employees Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **36-Month Signature Loan** personal_unsecured_36mo | — APR | 10.250% | 36 mo | Standard | | **Signature Loans (48 months, $5,000+)** personal_unsecured_48mo | — APR | 10.500% | 48 mo | Standard | Epb Employees Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | 12.000% APR | 12.000% | — | Standard | Epb Employees Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 13 offers | Product | Published | Rate | Term / condition | Status | | **Shares** savings | 0.01% APY | 0.01% | — | Standard | | **Drafts** savings | 0.04% APY | 0.04% | — | Standard | | **3-Month Certificate** cd_3mo | 0.10% APY | 0.10% | 3 mo | Standard | | **Christmas Club Account** savings | 2.00% APY | 2.00% | — | Specialty offer | | **IRA** ira | 2.00% APY | 2.00% | — | Standard | | **Money Market** money_market | 2.00% APY | 2.00% | — | Standard | | **2 1/2-Year CD** cd_24mo | 2.95% APY | 2.95% | 24 mo | Standard | | **IRA Certificate** ira_cd | 3.00% APY | 3.00% | — | Standard | | **36-Month Certificate** cd_36mo | 3.00% APY | 3.00% | 36 mo | Standard | | **24-Month Certificate** cd_24mo | 3.50% APY | 3.50% | 24 mo | Standard | | **1 1/2 Year-CD** cd_24mo | 3.75% APY | 3.75% | 24 mo | Standard | | **12-Month Certificate** cd_12mo | 3.75% APY | 3.75% | 12 mo | Standard | | **6-Month Certificate** cd_6mo | 3.95% APY | 3.95% | 6 mo | Standard | Epb Employees Credit Union savings & cd rates as of November 12, 2026 ### Other rates 4 offers | Product | Published | Rate | Term / condition | Status | | **HE Loan** other | 7.250% % | 7.250% | — | Standard | | **'19 -'15, 60 Months** other | — % | 7.750% | — | Standard | | **'14 - '08, 36 Months** other | — % | 8.000% | — | Standard | | **'07 And Older, 36 Months** other | — % | 9.000% | — | Standard | Epb Employees Credit Union other rates as of November 12, 2026 Credit card rates from 12% APR. Savings and certificate yields up to 3.95% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/tennessee/epb-employees) , verified from [Epb Employees Credit Union's official website](https://www.epbecu.org/) Loading branch locator… ## About Epb Employees Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 2.5K Assets $39M Founded 1954 Locations reported 3 NCUA charter 60619 Charter type Federally insured state-chartered credit union ### Services and member support - Electronic statements - Mobile check deposit - Mobile payments - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Chattanooga Area Schools** CASFCU · Chattanooga · TN · 37404-2806 About 0.9 miles away](https://rateapi.dev/credit-unions/tennessee/chattanooga-area-schools) [**Chattanooga First** Chattanooga Area Schools FCU · Chattanooga · TN · 37404-2806 About 0.9 miles away](https://rateapi.dev/credit-unions/tennessee/chattanooga-first) [**Southeast Financial** National Ave · Chattanooga · TN · 37404 About 1.0 miles away](https://rateapi.dev/credit-unions/tennessee/southeast-financial) [**Southern** Southern Credit Union · Chattanooga · TN · 37404-2830 About 1.0 miles away](https://rateapi.dev/credit-unions/tennessee/southern) [**Healthcare Services** Drive-Thur Branch · Chattanooga · TN · 37403-2202 About 1.5 miles away](https://rateapi.dev/credit-unions/tennessee/healthcare-services) [**Tennessee Valley** East Ridge Food City · Chattanooga · TN · 37412 About 1.9 miles away](https://rateapi.dev/credit-unions/tennessee/tennessee-valley) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Epb Employees Credit Union Membership eligibility from Epb Employees Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Epb Employees Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer EPB, EPB Employees Credit Union, Tennessee American Water Company, Current EPB Contractors Verified from [Epb Employees Credit Union's membership page](https://www.epbecu.org/become-a-member.html) . Final membership determination is always made by the credit union. ## Membership rules for Epb Employees Credit Union Employers 7 · Family 8 published paths to membership, last verified August 27, 2026, quoted from Epb Employees Credit Union’s own published criteria. ### Employers 7 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Employee of EPB “Employees of EPB and EPB Employees Credit Union” > [source ↗](https://www.epbecu.org/become-a-member.html) - Employee of EPB - Employee of EPB Employees Credit Union “Employees of EPB and EPB Employees Credit Union” > [source ↗](https://www.epbecu.org/become-a-member.html) - Employee of EPB Employees Credit Union - Retired employee of EPB “Retirees of EPB” > [source ↗](https://www.epbecu.org/become-a-member.html) - Retiree of EPB - Contractor of EPB “Employees of Current EPB Contractors” > [source ↗](https://www.epbecu.org/become-a-member.html) - Contractor for EPB - Employee of Tennessee American Water Company “Employees of Tennessee American Water Company” > [source ↗](https://www.epbecu.org/become-a-member.html) - Employee of Tennessee American Water Company - Retired employee of Tennessee American Water Company “Retirees of Tennessee American Water Company” > [source ↗](https://www.epbecu.org/become-a-member.html) - Retiree of Tennessee American Water Company - Employee of contractors “Employees of Current EPB Contractors” > [source ↗](https://www.epbecu.org/become-a-member.html) - Employee of contractors ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Family of a member grandparent, parent, sibling, child, grandchild “Family of EPB Employees, EPB Employees Credit Union, and EPB Retirees Grandparents Parents Siblings Children Grandchildren” > [source ↗](https://www.epbecu.org/become-a-member.html) - Family member (grandparent, parent, sibling, child, grandchild) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Epb Employees Credit Union? Yes No ## Work at Epb Employees Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Epb Employees Credit Union ranks against Tennessee peers. - See which AI assistants fetched Epb Employees Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Tennessee - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=epb-employees&state=tennessee&code=TN&name=Epb%20Employees%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Epb Employees Credit Union offer? Epb Employees Credit Union currently offers Auto loan, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Epb Employees Credit Union rates updated? RateAPI verifies Epb Employees Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Epb Employees Credit Union's rate data? Rate data is collected directly from Epb Employees Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Epb Employees Credit Union's best CD rate? As of November 12, 2026, Epb Employees Credit Union offers savings and certificate (CD) yields up to 3.95% APY. ### Who can join Epb Employees Credit Union? Epb Employees Credit Union publishes its membership criteria on its own website. RateAPI tracks 8 published membership paths covering 7 employers for Epb Employees Credit Union, each quoted from Epb Employees Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Epb Employees Credit Union's rates against national credit-union benchmarks. [More Tennessee credit unions](https://rateapi.dev/credit-unions/tennessee) [Tennessee auto loan rate leaders](https://rateapi.dev/auto-loan-rates/tennessee) [Tennessee personal loan leaders](https://rateapi.dev/personal-loan-rates/tennessee) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.epbecu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Epb Employees Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Tennessee credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Epb Employees Credit Union curl "https://api.rateapi.dev/credit-unions/tennessee /epb-employees " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Epb Employees Credit Union locations Search, filter, and browse all 3 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/tennessee/epb-employees Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp