--- title: "Tennessee Members 1st Credit Union Rates (Nov 2026): CDs to 4.00%" description: "Tennessee Members 1st Credit Union rates today: savings & CDs up to 4.00% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Tennessee Members 1st Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/tennessee/tennessee-members-1st" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Tennessee Members 1st Credit Union Rates (Nov 2026): CDs to 4.00% ### Auto & vehicle rates 11 offers | Product | Published | Rate | Term / condition | Status | | **36-Month Auto Loan** auto_any_36mo | — APR | 5.240% | 36 mo | Standard | | **Up to 36-Month Auto Loan (2020–2026)** auto_any_36mo | — APR | 5.240% | 36 mo | Standard | | **Up to 72-Month Auto Loan (2020–2026)** auto_any_72mo | — APR | 5.490% | 72 mo | Standard | | **Up to 66-Month Auto Loan (2020–2026)** auto_any_66mo | — APR | 5.490% | 66 mo | Standard | | **Up to 84-Month Auto Loan (2020–2026)** auto_any_84mo | — APR | 5.490% | 84 mo | Standard | | **Up to 78-Month Auto Loan (2020–2026)** auto_any_78mo | — APR | 5.490% | 78 mo | Standard | | **Up to 60-Month Auto Loan (2014–2019)** auto_any_60mo | — APR | 6.740% | 60 mo | Standard | | **Up to 66-Month Auto Loan (2014–2019)** auto_any_66mo | — APR | 7.240% | 66 mo | Standard | | **Up to 144-Month Auto Loan (2020–2026)** auto_any_144mo | — APR | 7.740% | 144 mo | Standard | | **(2013-Prior) Up to 60 Months** auto_any_60mo | — APR | 7.990% | 60 mo | Standard | | **Up to 144-Month Auto Loan (2014–2019)** auto_any_144mo | — APR | 9.240% | 144 mo | Standard | Tennessee Members 1st Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 5 offers | Product | Published | Rate | Term / condition | Status | | **Share/CD Secured* *Risk-based pricing does not apply!** personal_secured | — APR | 2.250% | — | Standard | | **Education Support Loan** personal | — APR | 7.990% | — | Standard | | **Secured Loans for Other Purposes** personal_secured | — APR | 8.250% | — | Standard | | **12-Month Signature Loan** personal_unsecured_12mo | — APR | 13.250% | 12 mo | Standard | | **Signature – LOC, Monthly Payment** personal_unsecured | — APR | 13.250% | — | Standard | Tennessee Members 1st Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 22 offers | Product | Published | Rate | Term / condition | Status | | **$0.01 – $500** savings | — APY | 0.05% | — | Standard | | **Additional Savings (09 – 15)** savings | — APY | 0.05% | — | Standard | | **$15,000.01 – $500,000** savings | — APY | 0.05% | — | Standard | | **Share Drafts (07)** checking | — APY | 0.05% | — | Standard | | **Regular Shares (01)** savings | — APY | 0.10% | — | Standard | | **IRA** ira | — APY | 0.75% | — | Standard | | **$500.01+** savings | — APY | 0.99% | — | Standard | | **$2,500 – $24,999** savings | — APY | 1.49% | — | Standard | | **6-Month Certificate** cd_6mo | 1.50% APY | 1.49% | 6 mo | Standard | | **REG** savings | — APY | 1.50% | — | Standard | | **12-Month Certificate** cd_12mo | — APY | 1.74% | 12 mo | Standard | | **$25,000 – $49,999** savings | — APY | 1.74% | — | Standard | | **15-Month Certificate** cd_15mo | 1.75% APY | 1.74% | 15 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 1.98% | 24 mo | Standard | | **$50,000 – $99,999** savings | — APY | 1.98% | — | Standard | | **$500.01 – $15,000** savings | — APY | 2.00% | — | Standard | | **18-Month Certificate** cd_18mo | 2.25% APY | 2.23% | 18 mo | Standard | | **$100,000 +** savings | — APY | 2.47% | — | Standard | | **36-Month Certificate** cd_36mo | 3.00% APY | 2.96% | 36 mo | Standard | | **48-Month Certificate** cd_48mo | 3.00% APY | 2.96% | 48 mo | Standard | | **60-Month Certificate** cd_60mo | 4.00% APY | 3.93% | 60 mo | Standard | | **$0.01 - $500** savings | — APY | 4.89% | — | Standard | Tennessee Members 1st Credit Union savings & cd rates as of November 12, 2026 ### Equipment loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **All Farm Equipment – Up to 60 Months** equipment_60mo | — APR | 9.000% | — | Standard | Tennessee Members 1st Credit Union equipment loan rates as of November 12, 2026 ### Other rates 4 offers | Product | Published | Rate | Term / condition | Status | | **10-Year U.S. Inflation: Average 1.9%** other | — % | 0.100% | — | Standard | | **7 Month Special*** other | 4.250% % | 4.169% | — | Standard | | **(2013-Prior) Up to 66 Months (CPI Guide)** other | — % | 8.240% | — | Standard | | **2024 Federal Taxable Income Brackets and Rates (for returns due in April 2025)** other | — % | 10.000% | — | Standard | Tennessee Members 1st Credit Union other rates as of November 12, 2026 Savings and certificate yields up to 4.00% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/tennessee/tennessee-members-1st) , verified from [Tennessee Members 1st Credit Union's official website](https://www.mymembersfirst.org/) Loading branch locator… ## About Tennessee Members 1st Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 4.5K Assets $98.3M Founded 1946 Locations reported 2 NCUA charter 5318 Charter type Federal 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 - First-time homebuyer program - Credit-builder products - Payday Alternative Loans II 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. [**Ornl** Oak Ridge West · Oak Ridge · TN · 37830 About 3.4 miles away](https://rateapi.dev/credit-unions/tennessee/ornl) [**Enrichment** MAIN OFFICE · OAK RIDGE · TN · 37830 About 3.6 miles away](https://rateapi.dev/credit-unions/tennessee/enrichment) [**Y-12** Y-12 FCU Oak Ridge Branch · Oak Ridge · TN · 37830-7909 About 3.7 miles away](https://rateapi.dev/credit-unions/tennessee/y-12) [**Knoxville Teachers** Oak Ridge · Oak Ridge · TN · 37830 About 4.6 miles away](https://rateapi.dev/credit-unions/tennessee/knoxville-teachers) [**Knoxville Tva Employees** Centerpoint · Knoxville · TN · 37932 About 8.3 miles away](https://rateapi.dev/credit-unions/tennessee/knoxville-tva-employees) [**Consumer** Knoxville Service Center · Knoxville · TN · 37934 About 9.6 miles away](https://rateapi.dev/credit-unions/tennessee/consumer) 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 Tennessee Members 1st Credit Union Membership eligibility from Tennessee Members 1st Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Tennessee Members 1st Credit Union's website. Check the membership page below to confirm whether you qualify. - Location anderson, knox, roane — TN - Employer Department of Energy Verified from [Tennessee Members 1st Credit Union's membership page](https://www.mymembersfirst.org/aboutus) . Final membership determination is always made by the credit union. ## Membership rules for Tennessee Members 1st Credit Union Geography 3 counties · Employers 13 published paths to membership, last verified August 27, 2026, quoted from Tennessee Members 1st Credit Union’s own published criteria. ### Geography 3 Auto-verified against the source page from the credit union’s published criteria and NCUA charter records · last verified August 27, 2026 - Anderson County, TN - Knox County, TN - Roane County, TN “NCUA call report 2026-03-31: TOM_CODE=00 (community charter); branch footprint: Anderson County, TN; Knox County, TN” > [source ↗](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) ### Employers 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 21, 2026 - Employee of Department of Energy “In 1946, TN Members 1st was Oak Ridge’s first credit union chartered by the Federal Government to service the employees of the Department of Energy.” > [source ↗](https://www.mymembersfirst.org/aboutus) - Employee of Department of Energy 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 Tennessee Members 1st Credit Union? Yes No ## Work at Tennessee Members 1st 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 Tennessee Members 1st Credit Union ranks against Tennessee peers. - See which AI assistants fetched Tennessee Members 1st 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=tennessee-members-1st&state=tennessee&code=TN&name=Tennessee%20Members%201st%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Tennessee Members 1st Credit Union offer? Tennessee Members 1st Credit Union currently offers Auto loan, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Tennessee Members 1st Credit Union rates updated? RateAPI verifies Tennessee Members 1st 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 Tennessee Members 1st Credit Union's rate data? Rate data is collected directly from Tennessee Members 1st 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 Tennessee Members 1st Credit Union's best CD rate? As of November 12, 2026, Tennessee Members 1st Credit Union offers savings and certificate (CD) yields up to 4.00% APY. ### Who can join Tennessee Members 1st Credit Union? Tennessee Members 1st Credit Union publishes its membership criteria on its own website. RateAPI tracks 13 published membership paths covering 3 counties and 1 employer for Tennessee Members 1st Credit Union, each quoted from Tennessee Members 1st Credit Union's own published membership criteria. ## Related Rate Data Compare Tennessee Members 1st 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) [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.mymembersfirst.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 Tennessee Members 1st 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 Tennessee Members 1st Credit Union curl "https://api.rateapi.dev/credit-unions/tennessee /tennessee-members-1st " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Tennessee Members 1st Credit Union locations Search, filter, and browse all 2 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/tennessee-members-1st Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp