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PHONE: 865.268.2997 | ROUTING #: 264279444

Rates

Savings Rates - Effective Saturday, July 1, 2023
APYMinimum
Deposit
Minimum
Balance
REGULAR SHARE0.1% $5
SECONDARY SHARES0.1% $0
VACATION CLUB0.1% $0
CHRISTMAS CLUB0.1% $0
Savings Rates - Effective Saturday, July 1, 2023
APYMinimum
Deposit
Minimum
Balance
PREMIUM CHECKING0.05% $500
CLASSIC CHECKING0% $0
CU SUCCEED/STUDENT CK0% $0
SENIOR CHECKING0.05% $300
SENIOR CHECKING0.06% $1000
SENIOR CHECKING0.07% $10000
SENIOR CHECKING0.08% $25000
SENIOR CHECKING0.09% $50000
SENIOR CHECKING0.1% $100000
Savings Rates - Effective Saturday, July 1, 2023
APYMinimum
Deposit
Minimum
Balance
HERO ACCOUNT0.25% $2500
HERO ACCOUNT0.5% $10000
HERO ACCOUNT0.75% $50000
HERO ACCOUNT1.01% $100000
Savings Rates - Effective Saturday, July 1, 2023
APYMinimum
Deposit
Minimum
Balance
ESA IRA SAVINGS0.3% $0
ROTH IRA SAVINGS0.3% $0
TRAD IRA SAV0.3% $0
Certificate Rates - Effective Thursday, August 21, 2025
Certificate TermAPYMinimum Deposit
6 MONTH CD0.5%$1000
6 MONTH CD0.55%$10000
12 MONTH CD0.6%$1000
12 MONTH CD0.65%$10000
12 MONTH CD0.7%$100000
3 YR EDUCATION CD1.5%$25
Loan Rates - Effective Thursday, August 21, 2025
Loan TypeRates as low asTerms & Information
New Vehicles » 5.24% 36 M As low as 5.24% with Member Discount
Used Vehicles » 5.24% 36 M As low as 5.24% with Member Discount
Used Auto Older » 5.99% 36 M As low as 5.99% with Member Discount
Loan Rates - Effective Thursday, August 21, 2025
Loan TypeRates as low asTerms & Information
New Recreational Vehicle » 5.24% 36 M As low as 5.24% with Member Discount
Used Recreational Vehicle » 5.99% 36 M As low as 5.99% with Member Discount
Loan Rates - Effective Thursday, August 21, 2025
Loan TypeRates as low asTerms & Information
New Farm Equipment » 5.49% 36 M As low as 5.49% with Member Discount
Used Farm Equipment » 6.99% 36 M As low as 6.99% with Member Discount
Loan Rates - Effective Thursday, August 21, 2025
Loan TypeRates as low asTerms & Information
Unsecured Loans » 10.74% 12 M Rates as low as 10.740%
Loan Rates - Effective Thursday, August 21, 2025
Loan TypeRates as low asTerms & Information
Share Secured » 2.1% 12 M Rates as low as 2.10%
Loan Rates - Effective Thursday, August 21, 2025
Loan TypeRates as low asTerms & Information
In-school student loans » 3.5% 60 M Rates as low as 3.50%
Consolidated student loan » 3.5% 60 M Rates as low as 3.50%
Loan Rates - Effective Thursday, August 21, 2025
Loan TypeRates as low asTerms & Information
Unimproved Land 6.74% 0 M Rates as low as 6.74%
1st Mortgage 5.49% 0 M Rates as low as 5.49%
Home Equity LOC 7.5% 0 M Rates as low as 7.50%

*Rates are quoted as best possible assuming full Member Loyalty Discount

Please be aware that ETMA will never ask for personal information, login credentials, or verification codes via unsolicited text message, email, or phone. If you receive an unsolicited phone call or message claiming to be ETMA FCU asking for account/card numbers, user names, passwords, verification codes, or other personal information, please do not respond. Instead, contact ETMA FCU directly at 865-268-2997 and speak with a Member Service Representative. If you have given out your account number, Visa credit card, MC debit card, or other information, please contact ETMA FCU immediately.