--- title: "Ten Credit Union Rates - Tennessee" description: "Current mortgage, auto loan, personal loan, credit card, and savings & cd rates from Ten Credit Union in Tennessee. Updated daily with source verification. See who can join Ten Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/tennessee/ten" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Ten Credit Union Rates - Tennessee ### Mortgage rates 7 offers | Product | Published | Rate | Term / condition | Status | | **2025 - current New** other | — APR | 5.990% | — | Standard | | **Longer terms are available.** other | — APR | 5.990% | — | Standard | | **2025 - Current > 3,000 miles New** other | — APR | 5.990% | — | Context only | | **Longer terms are available** other | — APR | 7.990% | — | Standard | | **2024 - 2020 Used** other | — APR | 7.990% | — | Standard | | **2019 - 2015 Used** other | — APR | 8.990% | — | Standard | | **Signature (Personal)** other | — APR | 11.740% | — | Context only | Ten Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Auto Loan** auto | — APR | 5.740% | — | Standard | | **2021 - Current New or Used Auto** auto_any_63mo | — APR | 5.740% | 63 mo · any | Standard | | **63-Month Used Auto Loan (2016–2019)** auto_used_63mo | — APR | 5.740% | 63 mo · used | Standard | | **63-Month Used Auto Loan (2016–2020)** auto_used_63mo | — APR | 5.990% | 63 mo · used | Standard | | **60-Month Used Auto Loan (2015 and Older)** auto_used_60mo | — APR | 8.990% | 60 mo · used | Standard | Ten Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 4 offers | Product | Published | Rate | Term / condition | Status | | **36-Month Certificate-Secured Loan** personal_secured_36mo | — APR | 2.000% | 36 mo | Context only | | **Unsecured Personal Loan** personal_unsecured | — APR | 11.740% | — | Standard | | **Personal Line of Credit** ploc_variable | — APR | 13.150% | — | Context only | | **No Credit Loan** personal_unsecured_12mo | — APR | 17.990% | 12 mo | Context only | Ten Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Rewards Debit** other | — APR | 3.000% | — | Context only | Ten Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 43 offers | Product | Published | Rate | Term / condition | Status | | **Savings** share_savings | — APY | 0.10% | — | Standard | | **Anytime Savings** savings | — APY | 0.15% | — | Standard | | **IRA Accumulation** ira | — APY | 0.20% | — | Standard | | **Business Savings** savings | — APY | 0.25% | — | Eligibility restricted | | **Equal to or greater than $2,500 but less than $9,999.99** savings | — APY | 0.25% | — | Standard | | **$5 Minimum to Open (Experience Checking)** checking | — APY | 0.30% | — | Standard | | **Experience Checking** checking | — APY | 0.30% | — | Standard | | **Equal to or greater than $10,000 but less than $24,999.99** savings | — APY | 0.50% | — | Standard | | **Equal to or greater than $25,000 but less than $74,999.99** savings | — APY | 1.00% | — | Standard | | **Certificate** share_certificate | — APY | 1.25% | — | Standard | | **$2,500 - $9,999.99** savings | — APY | 1.25% | — | Standard | | **Business Share Certificates (3 Month)** share_certificate_3mo | — APY | 1.25% | 3 mo | Eligibility restricted | | **Equal to or greater than $75,000 but less than $149,999.99** savings | — APY | 1.35% | — | Standard | | **Equal to or greater than $150,000 but less than $174,999.99** savings | — APY | 1.50% | — | Standard | | **Business Share Certificates (6 Month)** share_certificate_6mo | — APY | 1.55% | 6 mo | Eligibility restricted | | **Equal to or greater than $175,000 but less than $249,999.99** savings | — APY | 1.75% | — | Standard | | **Business Share Certificates (9 Month)** share_certificate_9mo | — APY | 1.85% | 9 mo | Eligibility restricted | | **Business Share Certificates (12 Month)** share_certificate_12mo | — APY | 2.00% | 12 mo | Eligibility restricted | | **Equal to or greater than $250,000 but less than $499,999.99** savings | — APY | 2.15% | — | Standard | | **Business Share Certificates (18 Month)** share_certificate_18mo | — APY | 2.15% | 18 mo | Eligibility restricted | | **$500 Minimum to Open (6 Month)** cd_6mo | — APY | 2.25% | 6 mo | Standard | | **$500 Minimum to Open (9 Month)** cd_9mo | — APY | 2.25% | 9 mo | Standard | | **$500 Minimum to Open (12 Month)** cd_12mo | — APY | 2.25% | 12 mo | Standard | | **TEN Credit Union s Classic Share Certificates (18 Month)** share_certificate_18mo | — APY | 2.25% | 18 mo | Standard | | **TEN Credit Union s Classic Share Certificates (24 Month)** share_certificate_24mo | — APY | 2.25% | 24 mo | Standard | | **TEN Credit Union s Classic Share Certificates (12 Month)** share_certificate_12mo | — APY | 2.25% | 12 mo | Standard | | **TEN Credit Union s Classic Share Certificates (36 Month)** share_certificate_36mo | — APY | 2.25% | 36 mo | Standard | | **TEN Credit Union s Classic Share Certificates (3 Month)** share_certificate_3mo | — APY | 2.25% | 3 mo | Standard | | **TEN Credit Union s Classic Share Certificates (48 Month)** share_certificate_48mo | — APY | 2.25% | 48 mo | Standard | | **TEN Credit Union s Classic Share Certificates (60 Month)** share_certificate_60mo | — APY | 2.25% | 60 mo | Standard | | **TEN Credit Union s Classic Share Certificates (9 Month)** share_certificate_9mo | — APY | 2.25% | 9 mo | Standard | | **$500 Minimum to Open (24 Month)** cd_24mo | — APY | 2.25% | 24 mo | Standard | | **$500 Minimum to Open (36 Month)** cd_36mo | — APY | 2.25% | 36 mo | Standard | | **$500 Minimum to Open (3 Month)** cd_3mo | — APY | 2.25% | 3 mo | Standard | | **$500 Minimum to Open (48 Month)** cd_48mo | — APY | 2.25% | 48 mo | Standard | | **$500 Minimum to Open (60 Month)** cd_60mo | — APY | 2.25% | 60 mo | Standard | | **TEN Credit Union s Classic Share Certificates (6 Month)** share_certificate_6mo | — APY | 2.25% | 6 mo | Standard | | **$500 Minimum to Open (18 Month)** cd_18mo | — APY | 2.25% | 18 mo | Standard | | **Equal to or greater than $500,000 and above** savings | — APY | 2.35% | — | Standard | | **$500 Minimum to Open (25 Month)** cd_25mo | — APY | 4.35% | 25 mo | Standard | | **TEN Credit Union s Classic Share Certificates (25 Month)** share_certificate_25mo | — APY | 4.35% | 25 mo | Standard | | **$500 Minimum to Open (7 Month)** cd_7mo | — APY | 4.50% | 7 mo | Standard | | **TEN Credit Union s Classic Share Certificates (7 Month)** share_certificate_7mo | — APY | 4.50% | 7 mo | Standard | Ten Credit Union savings & cd rates as of November 12, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Interest Business Debit** other | — % | 0.250% | — | Context only | Ten Credit Union other rates as of November 12, 2026 Ten Credit Union is a credit union in Tennessee. Rate data is being verified. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/tennessee/ten) , verified from [Ten Credit Union's official website](https://www.tencu.com/) Loading branch locator… ## About Ten Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 18.4K Assets $394.4M Founded 1950 Locations reported 7 NCUA charter 66886 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - 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. [**Enbright** Enbright Credit Union Downtown · Nashville · TN · 37246-0001 About 0.6 miles away](https://rateapi.dev/credit-unions/tennessee/enbright) [**Fortera** Nashville Branch · Nashville · TN · 37203-2648 About 0.6 miles away](https://rateapi.dev/credit-unions/tennessee/fortera) [**Ascend** Charlotte · Nashville · TN · 37203 About 0.9 miles away](https://rateapi.dev/credit-unions/tennessee/ascend) [**Vanderbilt** Vanderbilt University Employees Credit Union · Nashville · TN · 37232-0001 About 1.0 miles away](https://rateapi.dev/credit-unions/tennessee/vanderbilt) [**Southeast Financial** JRP · Nashville · TN · 37219 About 1.3 miles away](https://rateapi.dev/credit-unions/tennessee/southeast-financial) [**Us Community** Hermitage Ave Branch · Nashville · TN · 37210 About 1.4 miles away](https://rateapi.dev/credit-unions/tennessee/us-community) 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 Ten Credit Union Membership eligibility from Ten Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Ten Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer HCA Healthcare, Tennessee Baptist Convention, institution affiliated with a Southern Baptist church Verified from [Ten Credit Union's membership page](https://www.tencu.com/about-us/bank-with-tencu/become-a-member.html) . Final membership determination is always made by the credit union. ## Membership rules for Ten Credit Union Employers 3 · Family 3 6 published paths to membership, last verified August 21, 2026, quoted from Ten Credit Union’s own published criteria. ### Employers 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of HCA Healthcare “Do you or a family member work for HCA Healthcare?” > [source ↗](https://www.tencu.com/about-us/bank-with-tencu/become-a-member.html) - Employee of HCA Healthcare - Employee of Tennessee Baptist Convention “Are you an employee of the Tennessee Baptist Convention or of any other institution affiliated with a Southern Baptist church?” > [source ↗](https://www.tencu.com/about-us/bank-with-tencu/become-a-member.html) - Employee of Tennessee Baptist Convention - Employee of institution affiliated with a Southern Baptist church “Are you an employee of the Tennessee Baptist Convention or of any other institution affiliated with a Southern Baptist church?” > [source ↗](https://www.tencu.com/about-us/bank-with-tencu/become-a-member.html) - Employee of institution affiliated with a Southern Baptist church ### Family 3 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Family of a member family member “Do you or a family member work for HCA Healthcare?” > [source ↗](https://www.tencu.com/about-us/bank-with-tencu/become-a-member.html) - Family member (family member) of a member - Family of a member relative, family member “Are you a relative or family member of a current TEN CU Member?” > [source ↗](https://www.tencu.com/about-us/bank-with-tencu/become-a-member.html) - Family member (relative, family member) of a member - Family of a member friend, family member “Are you a friend or family member of a current TEN CU employee?” > [source ↗](https://www.tencu.com/about-us/bank-with-tencu/become-a-member.html) - Family member (friend, family member) 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 Ten Credit Union? Yes No ## Work at Ten 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 Ten Credit Union ranks against Tennessee peers. - See which AI assistants fetched Ten 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=ten&state=tennessee&code=TN&name=Ten%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Ten Credit Union offer? Ten Credit Union currently offers mortgage, 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 Ten Credit Union rates updated? RateAPI verifies Ten 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 Ten Credit Union's rate data? Rate data is collected directly from Ten Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### Who can join Ten Credit Union? Ten Credit Union publishes its membership criteria on its own website. RateAPI tracks 6 published membership paths covering 3 employers for Ten Credit Union, each quoted from Ten Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare Ten Credit Union's rates against national credit-union benchmarks. [More Tennessee credit unions](https://rateapi.dev/credit-unions/tennessee) [Tennessee mortgage rate leaders](https://rateapi.dev/mortgage-rates/tennessee) [Tennessee auto loan rate leaders](https://rateapi.dev/auto-loan-rates/tennessee) [Tennessee personal loan leaders](https://rateapi.dev/personal-loan-rates/tennessee) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [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.tencu.com/) ### 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 Ten 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 Ten Credit Union curl "https://api.rateapi.dev/credit-unions/tennessee /ten " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Ten Credit Union locations Search, filter, and browse all 7 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/ten Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp