Tennessee Best CD Rates September 2026

Dividends Paid: Monthly

quarterly dividends

MINOR: $500.00

Term: 3 months (90 to 179 days)

Monthly Interest / Monthly Check - Posted rate less .20% APY. Additional deposits are permitted to share certificates up to 10 days after open/renewal date.

Interest Credited Monthly; Penalty: 2 MO

Balance: $100 to $999.99; Once the Build-IT CD has reached a balance greater than $999.99, it will be rolled into a regular CD of the same term.

Dividends Paid: Monthly

Balance: $50,000.00+

Balance: $10,000 - $49,999

Balance: $500.00 - $999.99

Balance: $50,000 and over

Balance: $500 - $49,999.99

Loss of dividend penalty for early withdrawal.

Penalty for early withdrawal may apply. No additional deposits allowed until end of term.

Early withdrawal penalties may apply.

Relationship APY 0.06%. Early withdrawal penalties may apply.

All rates are Annual Percentage Yields.

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Balance: $1,000-$74,999

All rates are Annual Percentage Yields.

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

Balance: $100,000 and over

Balance: $100,000 and over

Term: 6 months through 11 months; Balances of $500.00-$99,999.99

Balance: $50,000 - $99,999.99

Balance: $50,000 - $99,999.99

New Money; Open now; Open in branch

Balance: $1,000 - $49,999.99

Balance: $1,000 - $49,999.99

Early withdrawal penalty = 90 days dividend, earned or not.

Effective 9/11/26 - 9/17/26. A Share Savings account is required. Rates and APYs are accurate as of the effective date shown and are subject to change without notice prior to account opening. Certificate dividend rates are fixed upon account opening and remain in effect until maturity. Early withdrawal penalties may apply. Fees may reduce earnings.

Add 0.25% to current dividend certificate rate with at least $10,000 new money OR with direct deposit. Ask for details.

Member Rewards: If you have CECU checking and direct deposit and over $25,000 on deposit with us, we will increase the rate on your new certificate by .10% or if you have over $50,000 on deposit, we will increase the new certificate rate by .20%. $2,500 minimum balance. Early withdrawal penalties may apply

Add 0.25% to current dividend certificate rate with at least $10,000 new money OR with direct deposit. Ask for details.

Member Rewards: If you have CECU checking and direct deposit and over $25,000 on deposit with us, we will increase the rate on your new certificate by .10% or if you have over $50,000 on deposit, we will increase the new certificate rate by .20%. $2,500 minimum balance. Early withdrawal penalties may apply

Effective 9/11/26 - 9/17/26. A Share Savings account is required. Rates and APYs are accurate as of the effective date shown and are subject to change without notice prior to account opening. Certificate dividend rates are fixed upon account opening and remain in effect until maturity. Early withdrawal penalties may apply. Fees may reduce earnings.

Balance: $1,000-$74,999

Effective 9/11/26 - 9/17/26. A Share Savings account is required. Rates and APYs are accurate as of the effective date shown and are subject to change without notice prior to account opening. Certificate dividend rates are fixed upon account opening and remain in effect until maturity. Early withdrawal penalties may apply. Fees may reduce earnings.

Effective 9/11/26 - 9/17/26. A Share Savings account is required. Rates and APYs are accurate as of the effective date shown and are subject to change without notice prior to account opening. Certificate dividend rates are fixed upon account opening and remain in effect until maturity. Early withdrawal penalties may apply. Fees may reduce earnings.

18 Month Certificate Account with Rewards

monthly dividends

IRA and Roth Certificates

All rates are Annual Percentage Yields.

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

Term: 1 to 2 Years (365 to 729 days); Jumbo APY: 4.05%, Jumbo Dividend Rate: 3.98%, Early Withdrawal Penalty: 90 Days' Dividends