Membership Details

Dreams thrive here

Join us and experience a financial partner who puts you first.

Please consider us a trusted advisor who is always there for you, providing sound financial guidance, low-cost loan and savings products, exceptional value, and personalized service to meet your unique needs.

Individual and Family Membership Benefits

Lifetime Membership

TENCU is member-focused, which means we exist for you. Any surplus funds are returned to our members through dividends, better rates, and lower fees. 

Personalized Service

Our member service representatives are known for working with members, explaining our products and services, and finding solutions that fit their lives. We offer a full range of deposit and loan products, including mortgages and youth accounts.

Better Rates

We keep our rates competitive so your money can work harder for you, with lower rates on loans and credit cards and higher yields on savings accounts.

Anytime Account Access

Your busy life requires convenient solutions. You can manage your money anywhere with free online banking, mobile web banking, text banking, TENCU Mobile App, and telephone banking.

Checking Accounts 

Elevate Your Banking Experience with Ten Credit Union's Free Checking and Experience Checking account options. Take your relationship with your checking account to new heights by embracing the possibilities with convenient access to your funds, seamless transactions, and various innovative features.

National Network of Convenience

Get surcharge-free access at more than 30,000 ATMs and 5,000 CO-OP Shared Branches throughout the United States. Conduct business at any one of these locations just as if you were in a TENCU branch. This vast network is always near where you live, work, and travel.

Member Discounts

Your money goes further with exclusive member discounts on various goods and services.

Insurance Options

From term life to home and auto insurance to vehicle extended warranties and GAP insurance, you can protect yourself and your belongings with these low-cost insurance options.

Special Offers

TENCU regularly features special offers and promotions. The offers change throughout the year and are another way for us to say "thank you" to our valued members.

Trusted Advice

We want to help you make wise financial choices, so TENCU's experienced member service representatives and loan officers provide advice over the phone, in person, and throughout our website. The Tennessee Investment Services also offers retirement planning consultations* 

Financial Calculators – Financial Topics & Videos

Online tools help you model payments, see how much interest you will pay, and help you decide how much to borrow or save. A library of financial articles, blogs, videos, and infographics is regularly updated to provide timely information on various topics. 

Community & Educational Events

We participate in many events throughout the year in and around our ten branch locations.

Vehicle Resources

Find your next ride at the right price. Have a better car-buying experience using our new and used vehicle resources.

Open Your Account Today

*Securities sold, advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer, and investment advisor. CBSI is under contract with the financial institution to make securities available to members. Not NCUA/NCUSIF/FDIC insured, May Lose Value, No Financial Institution Guarantee. Not a deposit from any financial institution. CBSI is a registered broker/dealer in all fifty United States of America states. The Tennessee Investment Services' Advisors are registered representatives of CUNA Brokerage Services, Inc. The representative may also be a financial institution employee who accepts deposits on behalf of the financial institution.

Exclusive Perks

Sam's Club

Save 40% on a 1-Year Membership

Get what you need to make staying home easier with brands you trust and savings you can count on. Excellent products and services across the U.S. and Puerto Rico are available through club pickup, online, and mobile devices, with free shipping on most items and no minimum purchase.

Credit union members get a one-year membership for 40% off, plus, for a limited time, you'll also get a $15 entertainment discount.

Sam's Club gives you exclusive savings on the things you need, the things you love, and all sorts of unexpected things, so join the Club today!

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Tax Services


File with the #1 best-selling tax software to help you get your taxes done right and get guaranteed maximum refund. As a credit union member, you can save up to $15 when you file with TurboTax. Get started with TurboTax today!

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H&R Block

Let the tax pros do the rest if you want to meet with a tax pro-in-office, via drop-off, or send your documents virtually. H&R Block will always get your biggest possible refund, guaranteed. As a credit union member, first-time filers receive $25 off their expert tax prep, and returning customers get the Tax Identity Shield® add-on. Get your H&R Block coupon now and save!

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