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Ascend Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/12/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/12/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/12/2025
4.35%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/12/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/12/2025
3.60%
Our Rating
4.2  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
ascend.org
800-342-3086
520 Airpark Dr
Tullahoma, TN 37388

Ascend Federal Credit Union is headquartered in Tullahoma and is the 3rd largest credit union in the state of Tennessee. It is also the 98th largest credit union in the nation. It was established in 1951 and as of December of 2024, it had grown to 623 employees and 249,130 members at 31 locations. Ascend Federal Credit Union's money market rates are 10X the national average, and it has an A health rating.

Field of Membership Restrictions

Membership in Ascend Federal Credit Union is open to anyone through a membership in The Tennessee Nature Conservancy ($25 one-time contribution). Membership is also open to those who live in a 25-mile radius of an Ascend branch and join the 50plus Club ($10 membership fee), and to employees, volunteers, or church members of one of the over 200 Select Employer Groups.
See current membership details

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Health
A

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #7397
Year Chartered1951
Employees623
Primary Regulator
Profit Margin
Return on Assets - YTD0.92%
Return on Equity - YTD7.96%
Annual Interest Income$213.9MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$4.41B$4.25B
LoansQ4 2024vs Q4 2023$3.19B$3B
DepositsQ4 2024vs Q4 2023$3.54B$3.4B
Equity CapitalQ4 2024vs Q4 2023$505.8MM$461.2MM
Loan Loss AllowanceQ4 2024vs Q4 2023$24.7MM$16.2MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$13.8MM$8MM
Real Estate OwnedQ4 2024vs Q4 2023$638K$195K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/12/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/12/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/12/2025
4.35%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/12/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/12/2025
3.60%
Our Rating
4.2  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Ascend Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.36%*$100k*-Health Savings Account
OTHER TIERS: 0.20% → $0 - $2.5k | 0.70% → $2.5k - $10k | 1.31% → $10k - $100k
0.20%$0-Savings Account
0.20%$0-Christmas Club
0.20%$0-Youth Savings Account
0.20%$0-Business Savings

Ascend Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.33%*$5m*-Money Market Account
OTHER TIERS: 0.20% → $0 - $2.5k | 0.70% → $2.5k - $10k | 1.31% → $10k - $100k | 1.36% → $100k - $5m
4.33%*$5m*-Business Money Market
OTHER TIERS: 0.20% → $0 - $2.5k | 0.70% → $2.5k - $10k | 1.31% → $10k - $100k | 1.36% → $100k - $5m

Ascend Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.56%$0$15kInterest Earning Checking
0.20%$0-Business Basic Checking

Ascend Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.87%$1k-3 Month Share Certificate
3.87%$100k-6 Month Jumbo Share Certificate
3.87%$100k-Business 6 Month Jumbo Share Certificate
3.87%$500-Business 3 Month Share Certificate
3.82%$500-6 Month Share Certificate
3.82%$500-Business 6 Month Share Certificate
3.66%$100k-12 Month Jumbo Share Certificate
3.66%$100k-Business 12 Month Jumbo Share Certificate
3.61%$500-12 Month Share Certificate
3.61%$1k-15 Month Member's Advantage Share Certificate
3.61%$5k-Business 12 Month Share Certificate
3.45%$1k-60 Month Share Certificate
3.45%$1k-Business 60 Month Share Certificate
3.40%$1k-18 Month Share Certificate
3.40%$1k-48 Month Share Certificate
3.40%$1k-54 Month Member's Advantage Share Certificate
3.40%$1k-Business 48 Month Share Certificate
3.40%$1k-Business 18 Month Share Certificate
3.35%$1k-36 Month Share Certificate
3.35%$100k-Business 24 Month Jumbo Share Certificate
3.35%$100k-24 Month Jumbo Share Certificate
3.35%$1k-Business 36 Month Share Certificate
3.30%$1k-24 Month Share Certificate
3.30%$5k-Business 24 Month Share Certificate

Ascend Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.02%$5-12 Month Variable IRA Share Certificate
3.87%$1k-3 Month IRA Share Certificate
3.87%$100k-6 Month Jumbo IRA Share Certificate
3.82%$500-6 Month IRA Share Certificate
3.66%$100k-12 Month Jumbo IRA Share Certificate
3.61%$500-12 Month IRA Share Certificate
3.45%$1k-60 Month IRA Share Certificate
3.40%$1k-18 Month IRA Share Certificate
3.40%$1k-48 Month IRA Share Certificate
3.35%$1k-36 Month IRA Share Certificate
3.35%$100k-24 Month Jumbo IRA Share Certificate
3.30%$1k-24 Month IRA Share Certificate
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