ALL LOCATIONS OPEN, OCT. 14: To best serve our members, all locations will be OPEN on Monday, October 14, 2024. For a full list of upcoming holiday hours, visit: mymembersfirst.org/holidays

Our Investments

In addition to using our savings/share account to earn dividends, you have many other investment options at TN Members 1st.

Open an Account

Share Rates

Certificate/Money Market Rates

Investments

Share Certificates

Share Certificates are perfect for members, who want to maximize their earnings by investing for a specific period of time. We offer Regular, IRA, and Youth Share Certificates with terms ranging from 6-60 months.

Individual Retirement Accounts

Individual Retirement Accounts (IRAs) offer flexibility and tax advantages. They offer security and peace of mind for those members, who are less risk tolerant. We offer Traditional, Roth, Roth Conversion IRAs, and Coverdell Savings Plans.

Money Market

Money Market Accounts require a minimum balance of $2500 and allow up to 6 withdrawals a month. Currently, there are no share draft privileges associated with these accounts. There are no investment period restrictions, and you will earn a higher interest rate than a regular savings account.

 

Certificate & Money Market Rates

IRA
Effective Date: Wednesday, October 9th, 2024
TypeDividend RateAPY
12 Months 1.490% 1.50%
24 Months 1.736% 1.75%

Federally insured by NCUA. APY = Annual Percentage Yield. Ask us for further information about the terms, fees, and conditions that may apply to these accounts. 

Open an IRA Account

REG
Effective Date: Wednesday, October 9th, 2024
TypeDividend RateAPY
6 Months 1.243% 1.25%
7 Months Special* 3.687% 3.75%
12 Months 1.490% 1.50%
15 Months^ 1.490% 1.50%
18 Months 1.736% 1.75%
24 Months 1.736% 1.75%
36 Months 1.982% 2.00%
48 Months 2.472% 2.50%
60 Months 2.960% 3.00%

*Minimum opening balance of $5,000 for 7 Month Certificate Special. ^No longer offering new 15-month certificates or Golden Classics Account status rate incentives. Federally insured by NCUA. APY = Annual Percentage Yield. Ask us for further information about the terms, fees, and conditions that may apply to these accounts.

Open a Certificate Account

Money Market
Effective Date: Wednesday, October 9th, 2024
TypeDividend RateAPY
$2,500 – $24,999 1.243% 1.25%
$25,000 – $49,999 1.490% 1.50%
$50,000 – $99,999 1.736% 1.75%
$100,000 + 1.982% 2.00%

Federally insured by NCUA. APY = Annual Percentage Yield. Ask us for further information about the terms, fees, and conditions that may apply to these accounts. 

Open a Money Market Account

APY = Annual Percentage Yield. Programs, rates, terms, and conditions are subject to change without notice. Early withdrawal penalty – 90 days (interest forfeited) – Dividends compounded, credited monthly. Certificates minimum opening balance of $1,000 unless otherwise noted. Ask us for further information about the terms, fees, and specials that may apply to these accounts.

*7-month certificate specials require a minimum $5,000 opening balance.

^No longer offering new 15-month certificates or Golden Classics Account status rate incentives.

Go to main navigation
Go to main navigation
Make a Payment Rates Contact Locations