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TN Members 1st Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/16/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/16/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/16/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/16/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/16/2025
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
Bonus Amount
up to $300
Our Rating
4.2  / 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
www.mymembersfirst.org
865-482-4343
112 Administration Rd
Oak Ridge, TN 37830

TN Members 1st Federal Credit Union is headquartered in Oak Ridge and is the 42nd largest credit union in the state of Tennessee. It is also the 1,837th largest credit union in the nation. It was established in 1946 and as of March of 2025, it had grown to 19 employees and 4,618 members at 2 locations. TN Members 1st Federal Credit Union's money market rates are 5X the national average, and it has a B health rating.

Field of Membership Restrictions

Membership in TN Members 1st Federal Credit Union is open anyone who lives, works, worships, or attends school in the Tennessee counties of Anderson, Knox or Roane.
See current membership details

Reviews

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Health
B

Data as of Q1 2025

Learn why bank health matters
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. TN Members 1st Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #5318
Year Chartered1946
Employees19
Primary Regulator
Profit Margin
Return on Assets - YTD0.18%
Return on Equity - YTD2.45%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$98.9MM$96.8MM
LoansQ1 2025vs Q1 2024$44.7MM$44.2MM
DepositsQ1 2025vs Q1 2024$90.3MM$89.2MM
Equity CapitalQ1 2025vs Q1 2024$7.2MM$6.1MM
Loan Loss AllowanceQ1 2025vs Q1 2024$278K$194K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$543K$55K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/16/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/16/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/16/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/16/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/16/2025
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
Bonus Amount
up to $300
Our Rating
4.2  / 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.

TN Members 1st Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$0-Regular Shares
0.05%$0-Christmas Club
0.05%$0-Additional Savings

TN Members 1st Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.00%*$100k*-Money Market
OTHER TIERS: 1.25% → $2.5k - $25k | 1.50% → $25k - $50k | 1.75% → $50k - $100k

TN Members 1st Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%*$500*$15kPlatinum Share Draft
OTHER TIERS: 0.05% → $0 - $500k
0.05%$0-Share Drafts

TN Members 1st Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$5k-11 Month Share Certificate Special
3.00%$1k-60 Month Share Certificate
2.50%$1k-48 Month Share Certificate
2.00%$1k-36 Month Share Certificate
1.75%$1k-18 Month Share Certificate
1.75%$1k-24 Month Share Certificate
1.50%$1k-12 Month Share Certificate
1.25%$1k-6 Month Share Certificate

TN Members 1st Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.75%$1k-24 Month IRA
1.50%$1k-12 Month IRA
0.75%$0-IRA Shares
Locations


TN Members 1st Federal Credit Union Locations
Branch Office112 Administration RdOak Ridge, TN 37830
Branch Office112 Market Place BlvdKnoxville, TN 37922

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