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CD Rate Trends

Tennessee Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 13, 2026

Tennessee CD rates range from 0.01% to 4.95% APY, verified by MonitorBankRates as of October 13, 2026. Current Tennessee CD rates include Hope Federal Credit Union Jackson, MSHope Federal Credit Union Jackson, MS1451 Madison Ave, Memphis, TN 38104A5.0 ★Texas Ratio: 7.78%Real return: +2.15%APY minus CPI (February 2026) offering 60 Month Share Certificates (CDs) - Jumbo at 4.95% APY, Y-12 Federal Credit UnionY-12 Federal Credit Union450 N Charles G Seivers Blvd, Clinton, TN 37716 3730A+5.0 ★Texas Ratio: 3.67%Real return: +1.95%APY minus CPI (February 2026) offering 12 Month Business Share Certificates PROMO at 4.75% APY, Austin Capital BankAustin Capital Bank131 Maple Row Blvd Ste 401, Hendersonville, TN 37075A+5.0 ★Texas Ratio: 2.96%Real return: +1.78%APY minus CPI (February 2026) offering 3 Month CD at 4.58% APY, Tennessee Valley Federal Credit UnionTennessee Valley Federal Credit Union535 Chestnut St, Chattanooga, TN 37402A+5.0 ★Texas Ratio: 3.70%Real return: +1.70%APY minus CPI (February 2026) offering 12 Month Business Share Certificates at 4.50% APY, and ORNL Federal Credit UnionORNL Federal Credit Union1117 N Charles G Seivers Blvd, Clinton, TN 37716 3943A+5.0 ★Texas Ratio: 4.18%Real return: +1.70%APY minus CPI (February 2026) offering 36-Month IRA PROMOTIONAL Certificate at 4.50% APY. CD rates as of October 13, 2026 according to verified data from MonitorBankRates.

Use the tables below to compare CD rates across all terms in Tennessee side-by-side. Tennessee CD rates currently reach as high as 4.95% APY from Hope Federal Credit Union Jackson, MS at 1451 Madison Ave, Memphis, TN 38104. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: October 13, 2026

Compare Best CD Rates in Tennessee

Jump to: 3 Month · 6 Month · 12 Month · 18 Month · 24 Month · 36 Month · 48 Month · 60 Month

Tennessee 3 Month CD Rates

MonitorBankRates Tennessee Average · 3 Month CD1.93% APY▼ 0.04% from last weekNational 2.09%
View 3-month CD rate trend

The average 3-month CD rate in Tennessee is 1.93% APY, compared with 2.09% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
131 Maple Row Blvd Ste 401, Hendersonville, TN 37075
3 Month CD
$1,000
4.58% ▲ 2.65% above Tennessee avg
View
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average1.93%▲ 2.65% above avgNationally 2.09%
Details

APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.

Rate History
1 change since Sep 14, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
3.82%4.45%5.08%Sep 14, 2026: 4.32% APYOct 7, 2026: 4.58% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.58%▲ from 4.32%
  • Sep 14, 20264.32%first recorded
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
5034 Bobby Hicks Hwy Ste 2, Gray, TN 37615
3 Month Certificate
$1,000
4.00% ▲ 2.07% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average1.93%▲ 2.07% above avgNationally 2.09%
Details

Paid monthly

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 5, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Finworth, a division of InsBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
2106 Crestmoor Rd, Nashville, TN 37215
90 Days (3 Months) Certificate
$0
3.95% ▲ 2.02% above Tennessee avg
View
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average1.93%▲ 2.02% above avgNationally 2.09%
Details

Rate History
No change since Oct 7, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 7, 2026: 3.95% APYOct 7, 2026Oct 13, 2026
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
488 MAJORS BLVD, LYNCHBURG, TN 37352
3 Month Share Certificate
$1,000
3.87% ▲ 1.94% above Tennessee avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average1.93%▲ 1.94% above avgNationally 2.09%
Details

Rates effective as of 01/27/2026

Rate History
No change since Oct 13, 2026 · 3.87% APY
3.37%3.87%4.37%Oct 13, 2026: 3.87% APYOct 13, 2026Oct 13, 2026
TNConnect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
122 E Macon Ln, Seymour, TN 37865 4730
Tailored Certificate - 3 month
$0
3.75% ▲ 1.82% above Tennessee avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average1.93%▲ 1.82% above avgNationally 2.09%
Details

Rate History
No change since Sep 22, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 22, 2026: 3.75% APYSep 22, 2026Oct 13, 2026
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
908 Woodland St, Nashville, TN 37206
3 Month Share Certificate
$1,000
3.68% ▲ 1.75% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average1.93%▲ 1.75% above avgNationally 2.09%
Details

Balance: $1,000-$74,999

Rate History
1 change since Sep 21, 2026 · 3.59% → 3.68% ▲ 0.09 pts · high 3.68% / low 3.59%
3.09%3.64%4.18%Sep 21, 2026: 3.59% APYOct 9, 2026: 3.68% APYSep 21, 2026Oct 13, 2026
  • Oct 9, 20263.68%▲ from 3.59%
  • Sep 21, 20263.59%first recorded
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
520 Airpark Dr, Tullahoma, TN 37388
3 Month Regular, Business and / or IRA Share Certificate
$1,000
3.66% ▲ 1.73% above Tennessee avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average1.93%▲ 1.73% above avgNationally 2.09%
Details

Rate History
No change since Sep 20, 2026 · 3.66% APY · checked 4 times
3.16%3.66%4.16%Sep 20, 2026: 3.66% APYSep 20, 2026Oct 13, 2026
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
520 Airpark Dr, Tullahoma, TN 37388
Regular, Business and/or IRA Share Certificate - 3 Months
$1,000
3.66% ▲ 1.73% above Tennessee avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average1.93%▲ 1.73% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 3.66% APY · checked 2 times
3.16%3.66%4.16%Oct 8, 2026: 3.66% APYOct 8, 2026Oct 13, 2026
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
1038 N Main Ave, Erwin, TN 37650
3 Month Share Certificate
$1,000
3.60% ▲ 1.67% above Tennessee avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average1.93%▲ 1.67% above avgNationally 2.09%
Details

Dividend credited monthly; Early withdrawal penalty: 30 days of dividends

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
9525 Apison Pike, Collegedale, TN 37315
3 Month IRA Certificate
$0
3.60% ▲ 1.67% above Tennessee avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Tennessee Average1.93%▲ 1.67% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
9525 Apison Pike, Collegedale, TN 37315
3 Month Share Certificates
$0
3.60% ▲ 1.67% above Tennessee avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Tennessee Average1.93%▲ 1.67% above avgNationally 2.09%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 13, 2026
Veritas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
1 Nissan Way, Franklin, TN 37067
Certificates - 3 Months
$500
3.55% ▲ 1.62% above Tennessee avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average1.93%▲ 1.62% above avgNationally 2.09%
Details

Quarterly dividends; early withdrawals subject to penalty

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
905 Tusculum Blvd, Greeneville, TN 37745
3 Month Certificate
$500
3.50% ▲ 1.57% above Tennessee avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average1.93%▲ 1.57% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1122 N Main St, Shelbyville, TN 37160
3 Month Certificate of Deposit
$0
3.29% ▲ 1.36% above Tennessee avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average1.93%▲ 1.36% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 3.29% APY · checked 2 times
2.79%3.29%3.79%Oct 8, 2026: 3.29% APYOct 8, 2026Oct 13, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
3 Month Certificate
$0
3.04% ▲ 1.11% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average1.93%▲ 1.11% above avgNationally 2.09%
Details

Jumbo Certificate; quarterly dividends

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 2 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 13, 2026
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2711 Old Lebanon Pike, Nashville, TN 37214
3 Month Share Certificate Dividends
$0
3.03% ▲ 1.10% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average1.93%▲ 1.10% above avgNationally 2.09%
Details

Rate History
No change since Sep 22, 2026 · 3.03% APY · checked 4 times
2.53%3.03%3.53%Sep 22, 2026: 3.03% APYSep 22, 2026Oct 13, 2026
Resound Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
1701 21st Ave s, Nashville, TN 37212 3703
3-Month Certificate
$0
3.00% ▲ 1.07% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average1.93%▲ 1.07% above avgNationally 2.09%
Details

Balance: $500.00 to $24,999.99

Rate History
1 change since Sep 14, 2026 · 4.10% → 3.00% ▼ 1.10 pts · high 4.10% / low 3.00%
1.90%3.55%5.20%Sep 14, 2026: 4.10% APYOct 10, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.00%▼ from 4.10%
  • Sep 14, 20264.10%first recorded
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
3 Month Certificate
$0
2.99% ▲ 1.06% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average1.93%▲ 1.06% above avgNationally 2.09%
Details

Regular Certificate; quarterly dividends

Rate History
No change since Sep 14, 2026 · 2.99% APY · checked 2 times
2.49%2.99%3.49%Sep 14, 2026: 2.99% APYSep 14, 2026Oct 13, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
668 Nashville Pike, Gallatin, TN 37066
3 Month Certificate
$0
2.94% ▲ 1.01% above Tennessee avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average1.93%▲ 1.01% above avgNationally 2.09%
Details

Rate History
No change since Sep 24, 2026 · 2.94% APY · checked 5 times
2.44%2.94%3.44%Sep 24, 2026: 2.94% APYSep 24, 2026Oct 13, 2026
Lawrence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
9000 Carothers Pkwy, Franklin, TN 37067
3 Month CD/IRA
$0
2.52% ▲ 0.59% above Tennessee avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average1.93%▲ 0.59% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 2.52% APY · checked 8 times
2.02%2.52%3.02%Sep 14, 2026: 2.52% APYSep 14, 2026Oct 13, 2026
The Tennessee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1400 8TH Ave S, NASHVILLE, TN 37203 5007
Classic Share Certificate - 3 Month
$500
2.25% ▲ 0.32% above Tennessee avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average1.93%▲ 0.32% above avgNationally 2.09%
Details

Dividends Paid: Monthly

Rate History
No change since Oct 5, 2026 · 2.25% APY · checked 3 times
1.75%2.25%2.75%Oct 5, 2026: 2.25% APYOct 5, 2026Oct 13, 2026
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
3731 Austin Peay Hwy, Memphis, TN 38128
3 Month CDs (Certificates)
$100
2.18% ▲ 0.25% above Tennessee avg
View
▼
Rate2.16%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average1.93%▲ 0.25% above avgNationally 2.09%
Details

Additional deposits are permitted to share certificates up to 10 days after open/renewal date. All rates subject to change without notice. Call 901.380.7400 for current rate information.

Rate History
No change since Sep 14, 2026 · 2.18% APY · checked 6 times
1.68%2.18%2.68%Sep 14, 2026: 2.18% APYSep 14, 2026Oct 13, 2026
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
775 Ridge Lake Blvd, Memphis, TN 38120
1 - 3 Month CD
$1,000
2.03% ▲ 0.10% above Tennessee avg
View
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average1.93%▲ 0.10% above avgNationally 2.09%
Details

Rate History
No change since Oct 3, 2026 · 2.03% APY · checked 4 times
1.53%2.03%2.53%Oct 3, 2026: 2.03% APYOct 3, 2026Oct 13, 2026
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
3731 Austin Peay Hwy, Memphis, TN 38128
3 Month Build IT CD
$0
1.57% ▼ 0.36% below Tennessee avg
View
▼
Rate1.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average1.93%▼ 0.36% below avgNationally 2.09%
Details

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. Penalties for early withdrawals may apply. Rates are subject to change without notice, please see for complete details.Federally insured by NCUA.

Rate History
1 change since Sep 18, 2026 · 1.35% → 1.57% ▲ 0.22 pts · high 1.57% / low 1.35%
0.85%1.46%2.07%Sep 18, 2026: 1.35% APYOct 10, 2026: 1.57% APYSep 18, 2026Oct 13, 2026
  • Oct 10, 20261.57%▲ from 1.35%
  • Sep 18, 20261.35%first recorded
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
580 Franklin Rd, Franklin, TN 37069
3 Month Certificate
$1,000
1.25% ▼ 0.68% below Tennessee avg
View
▼
Rate1.24%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average1.93%▼ 0.68% below avgNationally 2.09%
Details

Rate History
No change since Sep 25, 2026 · 1.25% APY · checked 4 times
0.75%1.25%1.75%Sep 25, 2026: 1.25% APYSep 25, 2026Oct 13, 2026
The Tennessee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1400 8TH Ave S, NASHVILLE, TN 37203 5007
3 Month Business Share Certificates
$500
1.25% ▼ 0.68% below Tennessee avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average1.93%▼ 0.68% below avgNationally 2.09%
Details

Dividends Paid: Monthly

Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 7 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Oct 13, 2026
Collegedale Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
5046 University Drive, Collegedale, TN 37315
Term Share Certificates - 3 Months
$0
1.06% ▼ 0.87% below Tennessee avg
View
▼
Rate1.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average1.93%▼ 0.87% below avgNationally 2.09%
Details

Rate History
No change since Oct 10, 2026 · 1.06% APY
0.56%1.06%1.56%Oct 10, 2026: 1.06% APYOct 10, 2026Oct 13, 2026
First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
100 Mcmurry Blvd E, Hartsville, TN 37074
90 Day Certificate
$0
0.95% ▼ 0.98% below Tennessee avg
View
▼
Rate0.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average1.93%▼ 0.98% below avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 0.95% APY · checked 6 times
0.45%0.95%1.45%Sep 18, 2026: 0.95% APYSep 18, 2026Oct 13, 2026
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
7974 Centennial Dr, Memphis, TN 38125 2376
3 Month Share Certificate
$0
0.65% ▼ 1.28% below Tennessee avg
View
▼
Rate0.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average1.93%▼ 1.28% below avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 0.65% APY · checked 2 times
0.15%0.65%1.15%Oct 8, 2026: 0.65% APYOct 8, 2026Oct 13, 2026
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
7974 Centennial Dr, Memphis, TN 38125 2376
3 Month Share Certificate
$0
0.55% ▼ 1.38% below Tennessee avg
View
▼
Rate0.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average1.93%▼ 1.38% below avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 0.55% APY · checked 2 times
0.05%0.55%1.05%Oct 8, 2026: 0.55% APYOct 8, 2026Oct 13, 2026
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
201 S ILLINOIS AVE, OAK RIDGE, TN 37830
Certificate - 3 Month
$500
0.50% ▼ 1.43% below Tennessee avg
View
▼
Rate0.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average1.93%▼ 1.43% below avgNationally 2.09%
Details

Rate History
No change since Oct 12, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 12, 2026: 0.50% APYOct 12, 2026Oct 13, 2026
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
220 S Royal Oaks Blvd, Franklin, TN 37064 5313
90 Day Certificate
$500
0.50% ▼ 1.43% below Tennessee avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average1.93%▼ 1.43% below avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 18, 2026: 0.50% APYSep 18, 2026Oct 13, 2026
Patriot Equity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.49%
1450 Union University Dr, Jackson, TN 38305
3 Month Share Certificate
$0
0.30% ▼ 1.63% below Tennessee avg
View
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average1.93%▼ 1.63% below avgNationally 2.09%
Details

Rate History
No change since Oct 9, 2026 · 0.30% APY · checked 3 times
0.00%0.40%0.80%Oct 9, 2026: 0.30% APYOct 9, 2026Oct 13, 2026
Leaders Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
214 Oil Well Rd, Jackson, TN 38305 7914
3 Month Certificate
$1,000
0.30% ▼ 1.63% below Tennessee avg
View
▼
Rate0.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average1.93%▼ 1.63% below avgNationally 2.09%
Details

All balance tiers same rate. Paid at maturity.

Rate History
No change since Oct 9, 2026 · 0.30% APY
0.00%0.40%0.80%Oct 9, 2026: 0.30% APYOct 9, 2026Oct 13, 2026
Alcoa Tenn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
124 N Hall Rd, Alcoa, TN 37701 2648
3 Month Share Certificate
$1,000
0.25% ▼ 1.68% below Tennessee avg
View
▼
Rate0.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average1.93%▼ 1.68% below avgNationally 2.09%
Details

Rate History
No change since Sep 25, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 25, 2026: 0.25% APYSep 25, 2026Oct 13, 2026
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
420 Central Ave NW, Cleveland, TN 37311
Term Share Certificate - 90 Day
$500
0.20% ▼ 1.73% below Tennessee avg
View
▼
Rate0.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average1.93%▼ 1.73% below avgNationally 2.09%
Details

Compounded: N/A; Loss of dividend penalty for early withdrawal.

Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 7 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 13, 2026
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
203 Broyles Dr, Johnson City, TN 37601
3 Month Certificate
$1,000
0.10% ▼ 1.83% below Tennessee avg
View
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average1.93%▼ 1.83% below avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 8, 2026: 0.10% APYOct 8, 2026Oct 13, 2026
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
203 Broyles Dr, Johnson City, TN 37601
Certificates of Deposit (CDs) - 3 months
$1,000
0.10% ▼ 1.83% below Tennessee avg
View
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average1.93%▼ 1.83% below avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 8, 2026: 0.10% APYOct 8, 2026Oct 13, 2026
EPB Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.26%
1500 McCallie Ave, Chattanooga, TN 37404 2937
3-Month CD
$0
0.10% ▼ 1.83% below Tennessee avg
View
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average1.93%▼ 1.83% below avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 13, 2026
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
10 Rachel Dr, Nashville, TN 37214
3 Months Share Certificate
$2,000
0.10% ▼ 1.83% below Tennessee avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average1.93%▼ 1.83% below avgNationally 2.09%
Details

Rate History
No change since Sep 27, 2026 · 0.10% APY · checked 3 times
0.00%0.30%0.60%Sep 27, 2026: 0.10% APYSep 27, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
230 4th Ave N, Nashville, TN 37219
3 month Standard Fixed Rate
$2,500
0.06% ▼ 1.87% below Tennessee avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average1.93%▼ 1.87% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
230 4th Ave N, Nashville, TN 37219
3 month Standard Interest Rate
$2,500
0.06% ▼ 1.87% below Tennessee avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average1.93%▼ 1.87% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 14, 2026: 0.06% APYSep 14, 2026Oct 13, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
230 4th Ave N, Nashville, TN 37219
3 month Standard Fixed Rate
$2,500
0.05% ▼ 1.88% below Tennessee avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average1.93%▼ 1.88% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 13, 2026
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
450 N Charles G Seivers Blvd, Clinton, TN 37716 3730
3 Month Business Share Certificates
$0
0.05% ▼ 1.88% below Tennessee avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average1.93%▼ 1.88% below avgNationally 2.09%
Details

Balance: $100,000+

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1556 W Mcewen Dr, Franklin, TN 37067
3 Month Certificate of Deposit
$0
0.03% ▼ 1.90% below Tennessee avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average1.93%▼ 1.90% below avgNationally 2.09%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1556 W Mcewen Dr, Franklin, TN 37067
3 Month Certificate of Deposit
$0
0.02% ▼ 1.91% below Tennessee avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average1.93%▼ 1.91% below avgNationally 2.09%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 13, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1556 W Mcewen Dr, Franklin, TN 37067
3 Month Certificate of Deposit
$0
0.01% ▼ 1.92% below Tennessee avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average1.93%▼ 1.92% below avgNationally 2.09%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 13, 2026

Tennessee 6 Month CD Rates

MonitorBankRates Tennessee Average · 6 Month CD2.94% APY▲ 0.01% from last weekNational 2.78%
View 6-month CD rate trend

The average 6-month CD rate in Tennessee is 2.94% APY, compared with 2.78% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
450 N Charles G Seivers Blvd, Clinton, TN 37716 3730
6 Month Business Share Certificates PROMO
$50,000
4.75% ▲ 1.81% above Tennessee avg
View
▼
Rate4.65%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.94%▲ 1.81% above avgNationally 2.78%
Details

Promo; 25% of opening deposit must be new money; penalty for early withdrawal; at maturity converts to regular certificate

Rate History
No change since Oct 12, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 12, 2026: 4.75% APYOct 12, 2026Oct 13, 2026
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
450 N Charles G Seivers Blvd, Clinton, TN 37716 3730
6 Month Share Certificate PROMO
$0
4.75% ▲ 1.81% above Tennessee avg
View
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.94%▲ 1.81% above avgNationally 2.78%
Details

Rate History
No change since Oct 12, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 12, 2026: 4.75% APYOct 12, 2026Oct 13, 2026
Collegedale Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
5046 University Drive, Collegedale, TN 37315
Term Share Certificates - 6 Months
$0
4.33% ▲ 1.39% above Tennessee avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.94%▲ 1.39% above avgNationally 2.78%
Details

See footnote **

Rate History
No change since Oct 10, 2026 · 4.33% APY
3.83%4.33%4.83%Oct 10, 2026: 4.33% APYOct 10, 2026Oct 13, 2026
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
131 Maple Row Blvd Ste 401, Hendersonville, TN 37075
6 Month CD
$1,000
4.30% ▲ 1.36% above Tennessee avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.94%▲ 1.36% above avgNationally 2.78%
Details

APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.

Rate History
1 change since Sep 14, 2026 · 4.04% → 4.30% ▲ 0.26 pts · high 4.30% / low 4.04%
3.54%4.17%4.80%Sep 14, 2026: 4.04% APYOct 7, 2026: 4.30% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.30%▲ from 4.04%
  • Sep 14, 20264.04%first recorded
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1 Cameron Hill Cir, Chattanooga, TN 37402
180 Day Share Certificate
$1,000
4.16% ▲ 1.22% above Tennessee avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 1, 2026
Tennessee Average2.94%▲ 1.22% above avgNationally 2.78%
Details

Rate History
No change since Sep 18, 2026 · 4.16% APY · checked 4 times
3.66%4.16%4.66%Sep 18, 2026: 4.16% APYSep 18, 2026Oct 13, 2026
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
535 Chestnut St, Chattanooga, TN 37402
6 Month Business Share Certificates
$1,000
4.15% ▲ 1.21% above Tennessee avg
View
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.94%▲ 1.21% above avgNationally 2.78%
Details

$1,000 minimum opening deposit required. A penalty applies for early withdrawal.

Rate History
1 change since Sep 25, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90%
3.40%4.03%4.65%Sep 25, 2026: 3.90% APYOct 12, 2026: 4.15% APYSep 25, 2026Oct 13, 2026
  • Oct 12, 20264.15%▲ from 3.90%
  • Sep 25, 20263.90%first recorded
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
535 Chestnut St, Chattanooga, TN 37402
Share Certificates - 6 Months
$1,000
4.15% ▲ 1.21% above Tennessee avg
View
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.94%▲ 1.21% above avgNationally 2.78%
Details

$1,000 minimum opening deposit required; early withdrawal penalty applies

Rate History
1 change since Oct 4, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90%
3.40%4.03%4.65%Oct 4, 2026: 3.90% APYOct 8, 2026: 4.15% APYOct 4, 2026Oct 13, 2026
  • Oct 8, 20264.15%▲ from 3.90%
  • Oct 4, 20263.90%first recorded
Finworth, a division of InsBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
2106 Crestmoor Rd, Nashville, TN 37215
6 Months Certificate
$0
4.15% ▲ 1.21% above Tennessee avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average2.94%▲ 1.21% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
2608 Avery Ave, Memphis, TN 38112 4821
6 Month CD
$1,000
4.06% ▲ 1.12% above Tennessee avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.94%▲ 1.12% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 7 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Oct 13, 2026
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
2011 Stein Dr, Chattanooga, TN 37421 1692
Certificate - 6 Months
$0
4.06% ▲ 1.12% above Tennessee avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.94%▲ 1.12% above avgNationally 2.78%
Details

Dividend Rate: 4.00%; Penalty: 90 days' interest for early withdrawal

Rate History
No change since Sep 22, 2026 · 4.06% APY · checked 4 times
3.56%4.06%4.56%Sep 22, 2026: 4.06% APYSep 22, 2026Oct 13, 2026
SouthEast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
285 Front St, Spring City, TN 37381
6-Month CD Special
$1,000
4.05% ▲ 1.11% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.94%▲ 1.11% above avgNationally 2.78%
Details

Interest Compounded & Credited: Quarterly

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90%
3.40%3.97%4.55%Sep 14, 2026: 3.90% APYSep 24, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.05%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
1005 17th Ave S, Nashville, TN 37212
Special 6-Month Fixed Rate
$0
4.00% ▲ 1.06% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average2.94%▲ 1.06% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
113 Seaboard Ln, Franklin, TN 37067
6 Month CD
$0
4.00% ▲ 1.06% above Tennessee avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.94%▲ 1.06% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
113 Seaboard Ln, Franklin, TN 37067
6 Month Certificate of Deposit
$1,000
4.00% ▲ 1.06% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.94%▲ 1.06% above avgNationally 2.78%
Details

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

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
113 Seaboard Ln, Franklin, TN 37067
6-Month IRA
$1,000
4.00% ▲ 1.06% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.94%▲ 1.06% above avgNationally 2.78%
Details

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

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
113 Seaboard Ln, Franklin, TN 37067
IRA - Individual Retirement Accounts 6-Month
$1,000
4.00% ▲ 1.06% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.94%▲ 1.06% above avgNationally 2.78%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYOct 7, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
201 S ILLINOIS AVE, OAK RIDGE, TN 37830
Certificate - 6 Month
$500
4.00% ▲ 1.06% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.94%▲ 1.06% above avgNationally 2.78%
Details

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
50 Fed Ex Pkwy, Collierville, TN 38017 8711
6 Month Share Certificate
$0
4.00% ▲ 1.06% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.94%▲ 1.06% above avgNationally 2.78%
Details

Balance: $50,000 & up; Dividends Paid Monthly

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
5034 Bobby Hicks Hwy Ste 2, Gray, TN 37615
6 Month Certificate
$1,000
4.00% ▲ 1.06% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.94%▲ 1.06% above avgNationally 2.78%
Details

Paid monthly

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 5, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
110 Bluff Dr, Fayetteville, TN 37334
Jumbo Certificate - 6 Months Fixed
$100,000
3.97% ▲ 1.03% above Tennessee avg
View
▼
Rate3.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.94%▲ 1.03% above avgNationally 2.78%
Details

Compounding: dividend rate 3.90%, APY compounding 3.97%

Rate History
2 changes since Sep 14, 2026 · 3.76% → 3.97% ▲ 0.21 pts · high 3.97% / low 3.76%
3.26%3.87%4.47%Sep 14, 2026: 3.76% APYSep 18, 2026: 3.87% APYOct 4, 2026: 3.97% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20263.97%▲ from 3.87%
  • Sep 18, 20263.87%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
EPB Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.26%
1500 McCallie Ave, Chattanooga, TN 37404 2937
6-Month CD
$0
3.95% ▲ 1.01% above Tennessee avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.94%▲ 1.01% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 5 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Bowater Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
5123 Highway 11 S, Calhoun, TN 37309
6-month Term Share Account (TSA)
$0
3.94% ▲ 1.00% above Tennessee avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.94%▲ 1.00% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.63% → 3.94% ▲ 0.31 pts · high 3.94% / low 3.63%
3.13%3.79%4.44%Sep 14, 2026: 3.63% APYOct 10, 2026: 3.94% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.94%▲ from 3.63%
  • Sep 14, 20263.63%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
110 Bluff Dr, Fayetteville, TN 37334
Jumbo Certificate - 6 Months Fixed
$100,000
3.90% ▲ 0.96% above Tennessee avg
View
▼
Rate3.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.94%▲ 0.96% above avgNationally 2.78%
Details

Non-Compounding: dividend rate 3.90%, APY non-compounding 3.90%

Rate History
3 changes since Sep 14, 2026 · 3.76% → 3.90% ▲ 0.14 pts · high 3.97% / low 3.76%
3.26%3.87%4.47%Sep 14, 2026: 3.76% APYSep 18, 2026: 3.87% APYOct 4, 2026: 3.97% APYOct 12, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.90%▼ from 3.97%
  • Oct 4, 20263.97%▲ from 3.87%
  • Sep 18, 20263.87%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
TRUST Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.70%
2186 Northgate Park Ln, Chattanooga, TN 37415 6911
6-Month Share Certificate
$500
3.90% ▲ 0.96% above Tennessee avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.94%▲ 0.96% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 8 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
520 Airpark Dr, Tullahoma, TN 37388
6 Month Regular, Business and / or IRA Share Certificate
$100,000
3.87% ▲ 0.93% above Tennessee avg
View
▼
Rate3.80%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.94%▲ 0.93% above avgNationally 2.78%
Details

Jumbo

Rate History
2 changes since Sep 20, 2026 · 3.45% → 3.87% ▲ 0.42 pts · high 3.87% / low 3.45%
2.95%3.66%4.37%Sep 20, 2026: 3.45% APYOct 4, 2026: 3.82% APYOct 12, 2026: 3.87% APYSep 20, 2026Oct 13, 2026
  • Oct 12, 20263.87%▲ from 3.82%
  • Oct 4, 20263.82%▲ from 3.45%
  • Sep 20, 20263.45%first recorded
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
520 Airpark Dr, Tullahoma, TN 37388
Regular, Business and/or IRA Share Certificate - Jumbo 6 Months
$100,000
3.87% ▲ 0.93% above Tennessee avg
View
▼
Rate3.80%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.94%▲ 0.93% above avgNationally 2.78%
Details

Jumbo

Rate History
No change since Oct 12, 2026 · 3.87% APY
3.37%3.87%4.37%Oct 12, 2026: 3.87% APYOct 12, 2026Oct 13, 2026
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
488 MAJORS BLVD, LYNCHBURG, TN 37352
6 Month Share Certificate
$1,000
3.87% ▲ 0.93% above Tennessee avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.94%▲ 0.93% above avgNationally 2.78%
Details

Rates effective as of 01/27/2026

Rate History
No change since Oct 13, 2026 · 3.87% APY
3.37%3.87%4.37%Oct 13, 2026: 3.87% APYOct 13, 2026Oct 13, 2026
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
488 MAJORS BLVD, LYNCHBURG, TN 37352
IRA Account - 6 Months
$2,000
3.87% ▲ 0.93% above Tennessee avg
View
▼
Rate3.80%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.94%▲ 0.93% above avgNationally 2.78%
Details

Rates effective as of 01/27/2026

Rate History
No change since Oct 13, 2026 · 3.87% APY
3.37%3.87%4.37%Oct 13, 2026: 3.87% APYOct 13, 2026Oct 13, 2026
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
908 Woodland St, Nashville, TN 37206
6 Month Share Certificate
$1,000
3.85% ▲ 0.91% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.94%▲ 0.91% above avgNationally 2.78%
Details

Balance: $1,000-$74,999

Rate History
1 change since Sep 21, 2026 · 3.79% → 3.85% ▲ 0.06 pts · high 3.85% / low 3.79%
3.29%3.82%4.35%Sep 21, 2026: 3.79% APYOct 9, 2026: 3.85% APYSep 21, 2026Oct 13, 2026
  • Oct 9, 20263.85%▲ from 3.79%
  • Sep 21, 20263.79%first recorded
Holley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
1107 Mineral Wells Ave, Paris, TN 38242 4903
6 Month Share Certificate
$0
3.85% ▲ 0.91% above Tennessee avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.94%▲ 0.91% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.34% → 3.85% ▲ 0.51 pts · high 3.85% / low 3.34%
2.83%3.59%4.36%Sep 14, 2026: 3.34% APYSep 27, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20263.85%▲ from 3.34%
  • Sep 14, 20263.34%first recorded
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1316 Wilson Rd, Knoxville, TN 37912
6 Month CERTIFICATE ACCOUNTS/BUSINESS CERTIFICATE ACCOUNTS
$0
3.85% ▲ 0.91% above Tennessee avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 1, 2026
Tennessee Average2.94%▲ 0.91% above avgNationally 2.78%
Details

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

Rate History
1 change since Sep 18, 2026 · 3.60% → 3.85% ▲ 0.25 pts · high 3.85% / low 3.60%
3.10%3.72%4.35%Sep 18, 2026: 3.60% APYSep 27, 2026: 3.85% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20263.85%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
Johnsonville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
209 HIGHWAY 641 N, CAMDEN, TN 38320
6 Month Certificate
$1,000
3.84% ▲ 0.90% above Tennessee avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.94%▲ 0.90% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.58% → 3.84% ▲ 0.26 pts · high 3.84% / low 3.58%
3.08%3.71%4.34%Sep 14, 2026: 3.58% APYSep 29, 2026: 3.84% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20263.84%▲ from 3.58%
  • Sep 14, 20263.58%first recorded
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
520 Airpark Dr, Tullahoma, TN 37388
6 Month Regular, Business and / or IRA Share Certificate
$500
3.82% ▲ 0.88% above Tennessee avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.94%▲ 0.88% above avgNationally 2.78%
Details

Rate History
1 change since Sep 20, 2026 · 3.45% → 3.82% ▲ 0.37 pts · high 3.82% / low 3.45%
2.95%3.64%4.32%Sep 20, 2026: 3.45% APYOct 4, 2026: 3.82% APYSep 20, 2026Oct 13, 2026
  • Oct 4, 20263.82%▲ from 3.45%
  • Sep 20, 20263.45%first recorded
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
520 Airpark Dr, Tullahoma, TN 37388
Regular, Business and/or IRA Share Certificate - 6 Months
$500
3.82% ▲ 0.88% above Tennessee avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.94%▲ 0.88% above avgNationally 2.78%
Details

Rate History
No change since Oct 8, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 8, 2026: 3.82% APYOct 8, 2026Oct 13, 2026
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
775 Ridge Lake Blvd, Memphis, TN 38120
6 Month CD
$1,000
3.80% ▲ 0.86% above Tennessee avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.94%▲ 0.86% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 8 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1235 E Weisgarber Rd, Knoxville, TN 37909 2646
6 Month Certificate Accounts
$0
3.80% ▲ 0.86% above Tennessee avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.94%▲ 0.86% above avgNationally 2.78%
Details

Balance: $50,000 - $99,999; Dividends paid quarterly

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
1616 Whitten Rd, Memphis, TN 38134
Share Certificate - 6 Months
$0
3.75% ▲ 0.81% above Tennessee avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.94%▲ 0.81% above avgNationally 2.78%
Details

Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 25, 2026: 3.75% APYSep 25, 2026Oct 13, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1235 E Weisgarber Rd, Knoxville, TN 37909 2646
6 Month Certificate Accounts
$0
3.75% ▲ 0.81% above Tennessee avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.94%▲ 0.81% above avgNationally 2.78%
Details

Balance: $15,000 - $29,999; Dividends paid quarterly

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
3183 Poplar Ave, Memphis, TN 38111
6 Month Certificate
$50,000
3.75% ▲ 0.81% above Tennessee avg
View
▼
Rate3.72%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.94%▲ 0.81% above avgNationally 2.78%
Details

Rate History
No change since Sep 30, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 30, 2026: 3.75% APYSep 30, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
6 Month Business Share Certificates
$0
3.75% ▲ 0.81% above Tennessee avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.94%▲ 0.81% above avgNationally 2.78%
Details

Balance: $100,000

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Traditional/Roth IRA Certificate - 6 Month
$100,000
3.75% ▲ 0.81% above Tennessee avg
View
▼
Rate3.69%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.94%▲ 0.81% above avgNationally 2.78%
Details

Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 9, 2026: 3.75% APYOct 9, 2026Oct 13, 2026
Kimberly Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
1520 N 2nd St, Memphis, TN 38107 1004
6 Month Share Certificate
$0
3.75% ▲ 0.81% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.94%▲ 0.81% above avgNationally 2.78%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
TNConnect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
122 E Macon Ln, Seymour, TN 37865 4730
Tailored Certificate - 6 month
$0
3.75% ▲ 0.81% above Tennessee avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.94%▲ 0.81% above avgNationally 2.78%
Details

Rate History
No change since Sep 22, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 22, 2026: 3.75% APYSep 22, 2026Oct 13, 2026
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
198 Blair Bend Dr, Loudon, TN 37774
6 Month Certificate
$1,000
3.75% ▲ 0.81% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.94%▲ 0.81% above avgNationally 2.78%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
10118 Parkside Dr, Knoxville, TN 37922
6-Month CD
$0
3.75% ▲ 0.81% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.94%▲ 0.81% above avgNationally 2.78%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 13, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
10118 Parkside Dr, Knoxville, TN 37922
6-Month Term
$1,000
3.75% ▲ 0.81% above Tennessee avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.94%▲ 0.81% above avgNationally 2.78%
Details

Rate History
No change since Sep 27, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 27, 2026: 3.75% APYSep 27, 2026Oct 13, 2026
RBMAX
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
113 Seaboard Ln, Franklin, TN 37067
6 Month CD
$0
3.70% ▲ 0.76% above Tennessee avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average2.94%▲ 0.76% above avgNationally 2.78%
Details

Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 7, 2026: 3.70% APYOct 7, 2026Oct 13, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
1235 E Weisgarber Rd, Knoxville, TN 37909 2646
6 Month Certificate Accounts
$0
3.70% ▲ 0.76% above Tennessee avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.94%▲ 0.76% above avgNationally 2.78%
Details

Balance: $1,000 - $4,999; Dividends paid quarterly

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
3183 Poplar Ave, Memphis, TN 38111
6 Month Certificate
$10,000
3.70% ▲ 0.76% above Tennessee avg
View
▼
Rate3.67%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.94%▲ 0.76% above avgNationally 2.78%
Details

Rate History
No change since Sep 30, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 30, 2026: 3.70% APYSep 30, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
6 Month Business Share Certificates
$0
3.70% ▲ 0.76% above Tennessee avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.94%▲ 0.76% above avgNationally 2.78%
Details

Balance: $50,000

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 9 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026

Tennessee 12 Month CD Rates

MonitorBankRates Tennessee Average · 12 Month CD3.18% APY▲ 0.01% from last weekNational 2.99%
View 12-month CD rate trend

The average 12-month CD rate in Tennessee is 3.18% APY, compared with 2.99% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
450 N Charles G Seivers Blvd, Clinton, TN 37716 3730
12 Month Business Share Certificates PROMO
$50,000
4.75% ▲ 1.57% above Tennessee avg
View
▼
Rate4.65%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.18%▲ 1.57% above avgNationally 2.99%
Details

Promo; 25% of opening deposit must be new money; penalty for early withdrawal; at maturity converts to regular certificate

Rate History
No change since Oct 12, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 12, 2026: 4.75% APYOct 12, 2026Oct 13, 2026
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
450 N Charles G Seivers Blvd, Clinton, TN 37716 3730
12 Month Share Certificate PROMO
$0
4.75% ▲ 1.57% above Tennessee avg
View
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.18%▲ 1.57% above avgNationally 2.99%
Details

Rate History
No change since Oct 12, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 12, 2026: 4.75% APYOct 12, 2026Oct 13, 2026
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1451 Madison Ave, Memphis, TN 38104
12 Month Share Certificates (CDs) - Jumbo
$1,000
4.53% ▲ 1.35% above Tennessee avg
View
▼
Rate4.43%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average3.18%▲ 1.35% above avgNationally 2.99%
Details

Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more.

Rate History
No change since Oct 13, 2026 · 4.53% APY
4.03%4.53%5.03%Oct 13, 2026: 4.53% APYOct 13, 2026Oct 13, 2026
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
535 Chestnut St, Chattanooga, TN 37402
12 Month Business Share Certificates
$1,000
4.50% ▲ 1.32% above Tennessee avg
View
▼
Rate4.43%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.18%▲ 1.32% above avgNationally 2.99%
Details

$1,000 minimum opening deposit required. A penalty applies for early withdrawal.

Rate History
1 change since Sep 25, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 25, 2026: 4.25% APYOct 12, 2026: 4.50% APYSep 25, 2026Oct 13, 2026
  • Oct 12, 20264.50%▲ from 4.25%
  • Sep 25, 20264.25%first recorded
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
535 Chestnut St, Chattanooga, TN 37402
Share Certificates - 12 Months
$1,000
4.50% ▲ 1.32% above Tennessee avg
View
▼
Rate4.43%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.18%▲ 1.32% above avgNationally 2.99%
Details

$1,000 minimum opening deposit required; early withdrawal penalty applies

Rate History
1 change since Oct 4, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Oct 4, 2026: 4.25% APYOct 8, 2026: 4.50% APYOct 4, 2026Oct 13, 2026
  • Oct 8, 20264.50%▲ from 4.25%
  • Oct 4, 20264.25%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5600 Navy Rd, Millington, TN 38053
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.17% above Tennessee avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.18%▲ 1.17% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 13, 2026
SouthEast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
285 Front St, Spring City, TN 37381
12-Month CD Special
$1,000
4.35% ▲ 1.17% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average3.18%▲ 1.17% above avgNationally 2.99%
Details

Interest Compounded & Credited: Quarterly

Rate History
1 change since Sep 14, 2026 · 4.01% → 4.35% ▲ 0.34 pts · high 4.35% / low 4.01%
3.51%4.18%4.85%Sep 14, 2026: 4.01% APYSep 24, 2026: 4.35% APYSep 14, 2026Oct 13, 2026
  • Sep 24, 20264.35%▲ from 4.01%
  • Sep 14, 20264.01%first recorded
Collegedale Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
5046 University Drive, Collegedale, TN 37315
Term Share Certificates - 12 Months
$0
4.28% ▲ 1.10% above Tennessee avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.18%▲ 1.10% above avgNationally 2.99%
Details

Rate History
No change since Oct 10, 2026 · 4.28% APY
3.78%4.28%4.78%Oct 10, 2026: 4.28% APYOct 10, 2026Oct 13, 2026
Sonata Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
5005 Maryland Way, Brentwood, TN 37027
12-month CD
$0
4.27% ▲ 1.09% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.18%▲ 1.09% above avgNationally 2.99%
Details

Special CD

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.27% ▲ 0.12 pts · high 4.27% / low 4.15%
3.65%4.21%4.77%Sep 14, 2026: 4.15% APYSep 28, 2026: 4.27% APYSep 14, 2026Oct 13, 2026
  • Sep 28, 20264.27%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
2011 Stein Dr, Chattanooga, TN 37421 1692
Certificate - 12 Months
$0
4.27% ▲ 1.09% above Tennessee avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average3.18%▲ 1.09% above avgNationally 2.99%
Details

Dividend Rate: 4.20%; Penalty: 90 days' interest for early withdrawal

Rate History
1 change since Sep 14, 2026 · 4.06% → 4.27% ▲ 0.21 pts · high 4.27% / low 4.06%
3.56%4.16%4.77%Sep 14, 2026: 4.06% APYSep 22, 2026: 4.27% APYSep 14, 2026Oct 13, 2026
  • Sep 22, 20264.27%▲ from 4.06%
  • Sep 14, 20264.06%first recorded
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
520 Airpark Dr, Tullahoma, TN 37388
12 Month Regular, Business and / or IRA Share Certificate
$100,000
4.25% ▲ 1.07% above Tennessee avg
View
▼
Rate4.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.18%▲ 1.07% above avgNationally 2.99%
Details

Jumbo

Rate History
2 changes since Sep 20, 2026 · 3.61% → 4.25% ▲ 0.64 pts · high 4.25% / low 3.61%
2.97%3.93%4.89%Sep 20, 2026: 3.61% APYOct 4, 2026: 4.20% APYOct 12, 2026: 4.25% APYSep 20, 2026Oct 13, 2026
  • Oct 12, 20264.25%▲ from 4.20%
  • Oct 4, 20264.20%▲ from 3.61%
  • Sep 20, 20263.61%first recorded
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
520 Airpark Dr, Tullahoma, TN 37388
Regular, Business and/or IRA Share Certificate - Jumbo 12 Months
$100,000
4.25% ▲ 1.07% above Tennessee avg
View
▼
Rate4.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.18%▲ 1.07% above avgNationally 2.99%
Details

Jumbo

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 13, 2026
Leaders Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
214 Oil Well Rd, Jackson, TN 38305 7914
12-Month Certificate Special
$1,000
4.25% ▲ 1.07% above Tennessee avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.18%▲ 1.07% above avgNationally 2.99%
Details

Rate History
No change since Oct 9, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 9, 2026: 4.25% APYOct 9, 2026Oct 13, 2026
ORNL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
1117 N Charles G Seivers Blvd, Clinton, TN 37716 3943
12-Month IRA PROMOTIONAL Certificate
$500
4.25% ▲ 1.07% above Tennessee avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.18%▲ 1.07% above avgNationally 2.99%
Details

IRA PROMOTIONAL

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
ORNL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
1117 N Charles G Seivers Blvd, Clinton, TN 37716 3943
12-Month PROMOTIONAL Certificate
$500
4.25% ▲ 1.07% above Tennessee avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.18%▲ 1.07% above avgNationally 2.99%
Details

PROMOTIONAL

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 13, 2026
Finworth, a division of InsBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
2106 Crestmoor Rd, Nashville, TN 37215
12 Months Certificate
$0
4.25% ▲ 1.07% above Tennessee avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average3.18%▲ 1.07% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Financial Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
1715 Aaron Brenner Dr, Memphis, TN 38120
12 MONTH CD
$0
4.20% ▲ 1.02% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average3.18%▲ 1.02% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 14, 2026: 4.00% APYOct 2, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
  • Oct 2, 20264.20%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
203 Broyles Dr, Johnson City, TN 37601
12 Month Certificate
$1,000
4.20% ▲ 1.02% above Tennessee avg
View
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.18%▲ 1.02% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 8, 2026: 4.20% APYOct 8, 2026Oct 13, 2026
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
203 Broyles Dr, Johnson City, TN 37601
12-month CD
$1,000
4.20% ▲ 1.02% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.18%▲ 1.02% above avgNationally 2.99%
Details

Limited-Time Offer; New Money Only. The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. A withdrawal and/or fees may reduce earnings. Interest penalty will be imposed for early withdrawal. The rate and APY is effective as of 8/10/26 and is subject to change on the Bank's discretion.

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 13, 2026
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
203 Broyles Dr, Johnson City, TN 37601
Certificates of Deposit (CDs) - 12 months
$1,000
4.20% ▲ 1.02% above Tennessee avg
View
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.18%▲ 1.02% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 8, 2026: 4.20% APYOct 8, 2026Oct 13, 2026
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
520 Airpark Dr, Tullahoma, TN 37388
12 Month Regular, Business and / or IRA Share Certificate
$500
4.20% ▲ 1.02% above Tennessee avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.18%▲ 1.02% above avgNationally 2.99%
Details

Rate History
1 change since Sep 20, 2026 · 3.61% → 4.20% ▲ 0.59 pts · high 4.20% / low 3.61%
3.02%3.91%4.79%Sep 20, 2026: 3.61% APYOct 4, 2026: 4.20% APYSep 20, 2026Oct 13, 2026
  • Oct 4, 20264.20%▲ from 3.61%
  • Sep 20, 20263.61%first recorded
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
520 Airpark Dr, Tullahoma, TN 37388
Regular, Business and/or IRA Share Certificate - 12 Months
$500
4.20% ▲ 1.02% above Tennessee avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.18%▲ 1.02% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 8, 2026: 4.20% APYOct 8, 2026Oct 13, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
12 Month Certificate Special
$250,000
4.17% ▲ 0.99% above Tennessee avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.18%▲ 0.99% above avgNationally 2.99%
Details

Certificate Specials; Quarterly

Rate History
No change since Sep 14, 2026 · 4.17% APY · checked 2 times
3.67%4.17%4.67%Sep 14, 2026: 4.17% APYSep 14, 2026Oct 13, 2026
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
1623 Hatcher Ln, Columbia, TN 38401 4826
12 Month Jumbo Certificate
$250,000
4.16% ▲ 0.98% above Tennessee avg
View
▼
Rate4.10%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average3.18%▲ 0.98% above avgNationally 2.99%
Details

Effective 10/9/26 - 10/15/26; Share Savings account required

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.16% ▲ 0.36 pts · high 4.16% / low 3.80%
3.30%3.98%4.66%Sep 14, 2026: 3.80% APYSep 29, 2026: 4.16% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.16%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
110 Bluff Dr, Fayetteville, TN 37334
Jumbo Certificate - 12 Months Fixed
$100,000
4.13% ▲ 0.95% above Tennessee avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.18%▲ 0.95% above avgNationally 2.99%
Details

Compounding: dividend rate 4.05%, APY compounding 4.13%

Rate History
3 changes since Sep 14, 2026 · 3.82% → 4.13% ▲ 0.31 pts · high 4.13% / low 3.82%
3.32%3.97%4.63%Sep 14, 2026: 3.82% APYSep 18, 2026: 3.92% APYSep 25, 2026: 4.02% APYOct 4, 2026: 4.13% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.13%▲ from 4.02%
  • Sep 25, 20264.02%▲ from 3.92%
  • Sep 18, 20263.92%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
1005 17th Ave S, Nashville, TN 37212
Special 12-Month Fixed Rate
$0
4.11% ▲ 0.93% above Tennessee avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average3.18%▲ 0.93% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.11% APY · checked 6 times
3.61%4.11%4.61%Sep 18, 2026: 4.11% APYSep 18, 2026Oct 13, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
12 Month Certificate Special
$2,500
4.11% ▲ 0.93% above Tennessee avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.18%▲ 0.93% above avgNationally 2.99%
Details

Certificate Specials; Quarterly

Rate History
No change since Sep 14, 2026 · 4.11% APY · checked 2 times
3.61%4.11%4.61%Sep 14, 2026: 4.11% APYSep 14, 2026Oct 13, 2026
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
775 Ridge Lake Blvd, Memphis, TN 38120
1 Year CD
$1,000
4.07% ▲ 0.89% above Tennessee avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average3.18%▲ 0.89% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.29% → 4.07% ▲ 0.78 pts · high 4.07% / low 3.29%
2.51%3.68%4.85%Sep 14, 2026: 3.29% APYOct 3, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
  • Oct 3, 20264.07%▲ from 3.29%
  • Sep 14, 20263.29%first recorded
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
1623 Hatcher Ln, Columbia, TN 38401 4826
12 Month Roth IRA Certificate
$500
4.06% ▲ 0.88% above Tennessee avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average3.18%▲ 0.88% above avgNationally 2.99%
Details

Effective 10/9/26 - 10/15/26; Share Savings account required

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.06% ▲ 0.36 pts · high 4.06% / low 3.70%
3.20%3.88%4.56%Sep 14, 2026: 3.70% APYSep 29, 2026: 4.06% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.06%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
1623 Hatcher Ln, Columbia, TN 38401 4826
12 Month Standard Certificate
$500
4.06% ▲ 0.88% above Tennessee avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average3.18%▲ 0.88% above avgNationally 2.99%
Details

Effective 10/9/26 - 10/15/26; Share Savings account required

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.06% ▲ 0.36 pts · high 4.06% / low 3.70%
3.20%3.88%4.56%Sep 14, 2026: 3.70% APYSep 29, 2026: 4.06% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.06%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Scenic Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.48%
4503 Hixson Pike, Hixson, TN 37343
1 Year Certificate
$2,500
4.06% ▲ 0.88% above Tennessee avg
View
▼
Rate4.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.18%▲ 0.88% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.06% ▲ 0.26 pts · high 4.06% / low 3.80%
3.30%3.93%4.56%Sep 14, 2026: 3.80% APYOct 10, 2026: 4.06% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.06%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Holley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
1107 Mineral Wells Ave, Paris, TN 38242 4903
12 Month Share Certificate
$0
4.06% ▲ 0.88% above Tennessee avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.18%▲ 0.88% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 4.06% ▲ 0.51 pts · high 4.06% / low 3.55%
3.04%3.80%4.57%Sep 14, 2026: 3.55% APYSep 27, 2026: 4.06% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.06%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
110 Bluff Dr, Fayetteville, TN 37334
Jumbo Certificate - 12 Months Fixed
$100,000
4.05% ▲ 0.87% above Tennessee avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.18%▲ 0.87% above avgNationally 2.99%
Details

Non-Compounding: dividend rate 4.05%, APY non-compounding 4.05%

Rate History
4 changes since Sep 14, 2026 · 3.82% → 4.05% ▲ 0.23 pts · high 4.13% / low 3.82%
3.32%3.97%4.63%Sep 14, 2026: 3.82% APYSep 18, 2026: 3.92% APYSep 25, 2026: 4.02% APYOct 4, 2026: 4.13% APYOct 12, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20264.05%▼ from 4.13%
  • Oct 4, 20264.13%▲ from 4.02%
  • Sep 25, 20264.02%▲ from 3.92%
  • Sep 18, 20263.92%▲ from 3.82%
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
5034 Bobby Hicks Hwy Ste 2, Gray, TN 37615
12 Month Certificate
$1,000
4.05% ▲ 0.87% above Tennessee avg
View
▼
Rate3.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average3.18%▲ 0.87% above avgNationally 2.99%
Details

Paid monthly

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.05% ▲ 0.55 pts · high 4.05% / low 3.50%
2.95%3.78%4.60%Sep 14, 2026: 3.50% APYOct 5, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.05%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
520 Airpark Dr, Tullahoma, TN 37388
IRA Accumulation Share Certificate - 12 Month IRA Variable
$5
4.04% ▲ 0.86% above Tennessee avg
View
▼
Rate3.97%
Min Deposit$5
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.18%▲ 0.86% above avgNationally 2.99%
Details

Dividend Rate 3.97%; Rates effective October 7, 2026

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.04% ▲ 0.04 pts · high 4.04% / low 4.00%
3.50%4.02%4.54%Sep 14, 2026: 4.00% APYOct 4, 2026: 4.04% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.04%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
488 MAJORS BLVD, LYNCHBURG, TN 37352
12 Month Share Certificate
$1,000
4.02% ▲ 0.84% above Tennessee avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average3.18%▲ 0.84% above avgNationally 2.99%
Details

Rates effective as of 01/27/2026

Rate History
No change since Oct 13, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 13, 2026: 4.02% APYOct 13, 2026Oct 13, 2026
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
488 MAJORS BLVD, LYNCHBURG, TN 37352
IRA Account - 12 Months
$2,000
4.02% ▲ 0.84% above Tennessee avg
View
▼
Rate3.95%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average3.18%▲ 0.84% above avgNationally 2.99%
Details

Rates effective as of 01/27/2026

Rate History
No change since Oct 13, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 13, 2026: 4.02% APYOct 13, 2026Oct 13, 2026
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
908 Woodland St, Nashville, TN 37206
12 Month Share Certificate
$1,000
4.02% ▲ 0.84% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.18%▲ 0.84% above avgNationally 2.99%
Details

Balance: $1,000-$74,999

Rate History
1 change since Sep 21, 2026 · 3.82% → 4.02% ▲ 0.20 pts · high 4.02% / low 3.82%
3.32%3.92%4.52%Sep 21, 2026: 3.82% APYOct 9, 2026: 4.02% APYSep 21, 2026Oct 13, 2026
  • Oct 9, 20264.02%▲ from 3.82%
  • Sep 21, 20263.82%first recorded
Elizabethton FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
112 N Sycamore St, Elizabethton, TN 37643
12 Month CD
$500
4.01% ▲ 0.83% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average3.18%▲ 0.83% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 6 times
3.51%4.01%4.51%Sep 14, 2026: 4.01% APYSep 14, 2026Oct 13, 2026
Elizabethton FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
112 N Sycamore St, Elizabethton, TN 37643
12 Month IRA CD
$500
4.01% ▲ 0.83% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average3.18%▲ 0.83% above avgNationally 2.99%
Details

IRA

Rate History
No change since Oct 7, 2026 · 4.01% APY · checked 2 times
3.51%4.01%4.51%Oct 7, 2026: 4.01% APYOct 7, 2026Oct 13, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
IRA 12 Month Certificate
$0
4.01% ▲ 0.83% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.18%▲ 0.83% above avgNationally 2.99%
Details

Jumbo IRA

Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 6 times
3.51%4.01%4.51%Sep 14, 2026: 4.01% APYSep 14, 2026Oct 13, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
Roth IRA 12 Month Certificate
$0
4.01% ▲ 0.83% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.18%▲ 0.83% above avgNationally 2.99%
Details

Jumbo IRA

Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 6 times
3.51%4.01%4.51%Sep 14, 2026: 4.01% APYSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5600 Navy Rd, Millington, TN 38053
12 Month ESA EasyStart Certificate
$50
4.00% ▲ 0.82% above Tennessee avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.18%▲ 0.82% above avgNationally 2.99%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 13, 2026
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
131 Maple Row Blvd Ste 401, Hendersonville, TN 37075
12 Month CD
$1,000
4.00% ▲ 0.82% above Tennessee avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average3.18%▲ 0.82% above avgNationally 2.99%
Details

APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
2.00%3.50%5.00%Sep 14, 2026: 3.00% APYOct 7, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.00%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
201 S ILLINOIS AVE, OAK RIDGE, TN 37830
Certificate - 12 Month
$500
4.00% ▲ 0.82% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.18%▲ 0.82% above avgNationally 2.99%
Details

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 13, 2026
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
50 Fed Ex Pkwy, Collierville, TN 38017 8711
12 Month Share Certificate
$0
4.00% ▲ 0.82% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average3.18%▲ 0.82% above avgNationally 2.99%
Details

Balance: $50,000 & up; Dividends Paid Monthly

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
50 Fed Ex Pkwy, Collierville, TN 38017 8711
12 Month Youth Share Certificates
$0
4.00% ▲ 0.82% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average3.18%▲ 0.82% above avgNationally 2.99%
Details

+ Youth Bonus; Balance: Under $10,000

Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APYOct 5, 2026Oct 13, 2026
Johnsonville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
209 HIGHWAY 641 N, CAMDEN, TN 38320
12 Month Certificate
$1,000
4.00% ▲ 0.82% above Tennessee avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.18%▲ 0.82% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.00% ▲ 0.55 pts · high 4.00% / low 3.45%
2.90%3.73%4.55%Sep 14, 2026: 3.45% APYSep 29, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.00%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Johnsonville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
209 HIGHWAY 641 N, CAMDEN, TN 38320
12 Month Wealth Builder Certificate
$100
4.00% ▲ 0.82% above Tennessee avg
View
▼
Rate4.00%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.18%▲ 0.82% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.00% ▲ 0.55 pts · high 4.00% / low 3.45%
2.90%3.73%4.55%Sep 14, 2026: 3.45% APYSep 29, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.00%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
1623 Hatcher Ln, Columbia, TN 38401 4826
12 Month IRA Certificate
$500
4.00% ▲ 0.82% above Tennessee avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average3.18%▲ 0.82% above avgNationally 2.99%
Details

Effective 10/9/26 - 10/15/26; Share Savings account required

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.00% ▲ 0.30 pts · high 4.00% / low 3.70%
3.20%3.85%4.50%Sep 14, 2026: 3.70% APYSep 29, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Sep 29, 20264.00%▲ from 3.70%
  • Sep 14, 20263.70%first recorded

Tennessee 18 Month CD Rates

MonitorBankRates Tennessee Average · 18 Month CD2.99% APY▼ 0.03% from last weekNational 2.87%
View 18-month CD rate trend

The average 18-month CD rate in Tennessee is 2.99% APY, compared with 2.87% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
450 N Charles G Seivers Blvd, Clinton, TN 37716 3730
18 Month Business Share Certificates PROMO
$50,000
4.75% ▲ 1.76% above Tennessee avg
View
▼
Rate4.65%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.99%▲ 1.76% above avgNationally 2.87%
Details

Promo; 25% of opening deposit must be new money; penalty for early withdrawal; at maturity converts to regular certificate

Rate History
No change since Oct 12, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 12, 2026: 4.75% APYOct 12, 2026Oct 13, 2026
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
450 N Charles G Seivers Blvd, Clinton, TN 37716 3730
18 Month Share Certificate PROMO
$0
4.75% ▲ 1.76% above Tennessee avg
View
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.99%▲ 1.76% above avgNationally 2.87%
Details

Rate History
No change since Oct 12, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 12, 2026: 4.75% APYOct 12, 2026Oct 13, 2026
Finworth, a division of InsBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
2106 Crestmoor Rd, Nashville, TN 37215
18 Months Certificate
$0
4.30% ▲ 1.31% above Tennessee avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average2.99%▲ 1.31% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 13, 2026
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
535 Chestnut St, Chattanooga, TN 37402
18 Month Business Share Certificates
$1,000
4.25% ▲ 1.26% above Tennessee avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.99%▲ 1.26% above avgNationally 2.87%
Details

$1,000 minimum opening deposit required. A penalty applies for early withdrawal.

Rate History
1 change since Sep 25, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 25, 2026: 4.00% APYOct 12, 2026: 4.25% APYSep 25, 2026Oct 13, 2026
  • Oct 12, 20264.25%▲ from 4.00%
  • Sep 25, 20264.00%first recorded
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
535 Chestnut St, Chattanooga, TN 37402
Share Certificates - 18 Months
$1,000
4.25% ▲ 1.26% above Tennessee avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.99%▲ 1.26% above avgNationally 2.87%
Details

$1,000 minimum opening deposit required; early withdrawal penalty applies

Rate History
1 change since Oct 4, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Oct 4, 2026: 4.00% APYOct 8, 2026: 4.25% APYOct 4, 2026Oct 13, 2026
  • Oct 8, 20264.25%▲ from 4.00%
  • Oct 4, 20264.00%first recorded
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
5034 Bobby Hicks Hwy Ste 2, Gray, TN 37615
18 Month Certificate
$1,000
4.10% ▲ 1.11% above Tennessee avg
View
▼
Rate4.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.99%▲ 1.11% above avgNationally 2.87%
Details

Paid monthly

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.10% ▲ 0.65 pts · high 4.10% / low 3.45%
2.80%3.78%4.75%Sep 14, 2026: 3.45% APYOct 5, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.10%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
IRA 18 Month Certificate
$0
4.07% ▲ 1.08% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.99%▲ 1.08% above avgNationally 2.87%
Details

Jumbo IRA

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 6 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
Roth IRA 18 Month Certificate
$0
4.07% ▲ 1.08% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.99%▲ 1.08% above avgNationally 2.87%
Details

Jumbo IRA

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 6 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1316 Wilson Rd, Knoxville, TN 37912
18 Month CERTIFICATE ACCOUNTS/BUSINESS CERTIFICATE ACCOUNTS
$0
4.05% ▲ 1.06% above Tennessee avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 1, 2026
Tennessee Average2.99%▲ 1.06% above avgNationally 2.87%
Details

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

Rate History
1 change since Sep 18, 2026 · 3.80% → 4.05% ▲ 0.25 pts · high 4.05% / low 3.80%
3.30%3.93%4.55%Sep 18, 2026: 3.80% APYSep 27, 2026: 4.05% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.05%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
488 MAJORS BLVD, LYNCHBURG, TN 37352
18 Month Share Certificate
$1,000
4.02% ▲ 1.03% above Tennessee avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.99%▲ 1.03% above avgNationally 2.87%
Details

Rates effective as of 01/27/2026

Rate History
No change since Oct 13, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 13, 2026: 4.02% APYOct 13, 2026Oct 13, 2026
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
488 MAJORS BLVD, LYNCHBURG, TN 37352
IRA Account - 18 Months
$2,000
4.02% ▲ 1.03% above Tennessee avg
View
▼
Rate3.95%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.99%▲ 1.03% above avgNationally 2.87%
Details

Rates effective as of 01/27/2026

Rate History
No change since Oct 13, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 13, 2026: 4.02% APYOct 13, 2026Oct 13, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
IRA 18 Month Certificate
$0
4.02% ▲ 1.03% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.99%▲ 1.03% above avgNationally 2.87%
Details

Regular IRA

Rate History
No change since Sep 14, 2026 · 4.02% APY · checked 6 times
3.52%4.02%4.52%Sep 14, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
Roth IRA 18 Month Certificate
$0
4.02% ▲ 1.03% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.99%▲ 1.03% above avgNationally 2.87%
Details

Regular IRA

Rate History
No change since Sep 14, 2026 · 4.02% APY · checked 6 times
3.52%4.02%4.52%Sep 14, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
2011 Stein Dr, Chattanooga, TN 37421 1692
Certificate - 18 Months
$0
4.01% ▲ 1.02% above Tennessee avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.99%▲ 1.02% above avgNationally 2.87%
Details

Dividend Rate: 3.95%; Penalty: 120 days' interest for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.01% ▲ 0.21 pts · high 4.01% / low 3.80%
3.30%3.91%4.51%Sep 14, 2026: 3.80% APYSep 22, 2026: 4.01% APYSep 14, 2026Oct 13, 2026
  • Sep 22, 20264.01%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Share Certificates - 18 Month
$1,000
4.00% ▲ 1.01% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.99%▲ 1.01% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.00% ▲ 0.05 pts · high 4.00% / low 3.95%
3.45%3.98%4.50%Sep 14, 2026: 3.95% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.00%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Traditional/Roth IRA Certificate - 18 Month
$100,000
4.00% ▲ 1.01% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.99%▲ 1.01% above avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 13, 2026
Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3634 E Andrew Johnson Hwy, Greeneville, TN 37745
18 Month Term Certificate
$0
4.00% ▲ 1.01% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.99%▲ 1.01% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
520 Airpark Dr, Tullahoma, TN 37388
18 Month Regular, Business and / or IRA Share Certificate
$1,000
3.97% ▲ 0.98% above Tennessee avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.99%▲ 0.98% above avgNationally 2.87%
Details

Rate History
1 change since Sep 20, 2026 · 3.82% → 3.97% ▲ 0.15 pts · high 3.97% / low 3.82%
3.32%3.90%4.47%Sep 20, 2026: 3.82% APYOct 4, 2026: 3.97% APYSep 20, 2026Oct 13, 2026
  • Oct 4, 20263.97%▲ from 3.82%
  • Sep 20, 20263.82%first recorded
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
520 Airpark Dr, Tullahoma, TN 37388
Regular, Business and/or IRA Share Certificate - 18 Months
$1,000
3.97% ▲ 0.98% above Tennessee avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.99%▲ 0.98% above avgNationally 2.87%
Details

Rate History
No change since Oct 8, 2026 · 3.97% APY · checked 2 times
3.47%3.97%4.47%Oct 8, 2026: 3.97% APYOct 8, 2026Oct 13, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
18 Month Certificate
$0
3.96% ▲ 0.97% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.99%▲ 0.97% above avgNationally 2.87%
Details

Jumbo Certificate; quarterly dividends

Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 2 times
3.46%3.96%4.46%Sep 14, 2026: 3.96% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Share Certificates - 18 Month
$1,000
3.95% ▲ 0.96% above Tennessee avg
View
▼
Rate3.88%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.99%▲ 0.96% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Traditional/Roth IRA Certificate - 18 Months
$50,000
3.95% ▲ 0.96% above Tennessee avg
View
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.99%▲ 0.96% above avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 13, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
110 Bluff Dr, Fayetteville, TN 37334
Jumbo Certificate - 18 Months Fixed
$100,000
3.92% ▲ 0.93% above Tennessee avg
View
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.99%▲ 0.93% above avgNationally 2.87%
Details

Compounding: dividend rate 3.85%, APY compounding 3.92%

Rate History
2 changes since Sep 14, 2026 · 3.71% → 3.92% ▲ 0.21 pts · high 3.92% / low 3.71%
3.21%3.82%4.42%Sep 14, 2026: 3.71% APYSep 18, 2026: 3.82% APYOct 4, 2026: 3.92% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20263.92%▲ from 3.82%
  • Sep 18, 20263.82%▲ from 3.71%
  • Sep 14, 20263.71%first recorded
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
18 Month Certificate
$0
3.91% ▲ 0.92% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.99%▲ 0.92% above avgNationally 2.87%
Details

Regular Certificate; quarterly dividends

Rate History
No change since Sep 14, 2026 · 3.91% APY · checked 2 times
3.41%3.91%4.41%Sep 14, 2026: 3.91% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
18 Month Share Certificate
$1,000
3.90% ▲ 0.91% above Tennessee avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.99%▲ 0.91% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.95% → 3.90% ▼ 0.05 pts · high 3.95% / low 3.90%
3.40%3.93%4.45%Sep 18, 2026: 3.95% APYOct 9, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
  • Oct 9, 20263.90%▼ from 3.95%
  • Sep 18, 20263.95%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Traditional/Roth IRA Certificate - 18 Month
$1,000
3.90% ▲ 0.91% above Tennessee avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.99%▲ 0.91% above avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 9, 2026: 3.90% APYOct 9, 2026Oct 13, 2026
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
908 Woodland St, Nashville, TN 37206
18 Month Share Certificate
$1,000
3.90% ▲ 0.91% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.99%▲ 0.91% above avgNationally 2.87%
Details

Balance: $1,000-$74,999

Rate History
1 change since Sep 21, 2026 · 3.54% → 3.90% ▲ 0.36 pts · high 3.90% / low 3.54%
3.04%3.72%4.40%Sep 21, 2026: 3.54% APYOct 9, 2026: 3.90% APYSep 21, 2026Oct 13, 2026
  • Oct 9, 20263.90%▲ from 3.54%
  • Sep 21, 20263.54%first recorded
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1 Cameron Hill Cir, Chattanooga, TN 37402
18 Month Share Certificate
$1,000
3.90% ▲ 0.91% above Tennessee avg
View
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 1, 2026
Tennessee Average2.99%▲ 0.91% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
905 Tusculum Blvd, Greeneville, TN 37745
18 Month Certificate
$500
3.85% ▲ 0.86% above Tennessee avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average2.99%▲ 0.86% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.05% → 3.85% ▲ 0.80 pts · high 3.85% / low 3.05%
2.25%3.45%4.65%Sep 14, 2026: 3.05% APYOct 7, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20263.85%▲ from 3.05%
  • Sep 14, 20263.05%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
110 Bluff Dr, Fayetteville, TN 37334
Jumbo Certificate - 18 Months Fixed
$100,000
3.85% ▲ 0.86% above Tennessee avg
View
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.99%▲ 0.86% above avgNationally 2.87%
Details

Non-Compounding: dividend rate 3.85%, APY non-compounding 3.85%

Rate History
3 changes since Sep 14, 2026 · 3.71% → 3.85% ▲ 0.14 pts · high 3.92% / low 3.71%
3.21%3.82%4.42%Sep 14, 2026: 3.71% APYSep 18, 2026: 3.82% APYOct 4, 2026: 3.92% APYOct 12, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.85%▼ from 3.92%
  • Oct 4, 20263.92%▲ from 3.82%
  • Sep 18, 20263.82%▲ from 3.71%
  • Sep 14, 20263.71%first recorded
Tennessee State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
2210 Parkway, Pigeon Forge, TN 37863
Traditional IRA 18 Month CD
$100
3.76% ▲ 0.77% above Tennessee avg
View
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average2.99%▲ 0.77% above avgNationally 2.87%
Details

Rate History
2 changes since Sep 14, 2026 · 3.21% → 3.76% ▲ 0.55 pts · high 3.76% / low 3.21%
2.66%3.49%4.31%Sep 14, 2026: 3.21% APYSep 19, 2026: 3.51% APYOct 2, 2026: 3.76% APYSep 14, 2026Oct 13, 2026
  • Oct 2, 20263.76%▲ from 3.51%
  • Sep 19, 20263.51%▲ from 3.21%
  • Sep 14, 20263.21%first recorded
Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
300 Broad St, Elizabethton, TN 37643
18 Month Business CD
$2,500
3.75% ▲ 0.76% above Tennessee avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average2.99%▲ 0.76% above avgNationally 2.87%
Details

Rate History
1 change since Sep 19, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 19, 2026: 3.50% APYOct 7, 2026: 3.75% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20263.75%▲ from 3.50%
  • Sep 19, 20263.50%first recorded
Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
300 Broad St, Elizabethton, TN 37643
18 Months CD
$2,500
3.75% ▲ 0.76% above Tennessee avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average2.99%▲ 0.76% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
201 Battlecreek Rd, South Pittsburg, TN 37380
18 Month Certificate of Deposit
$0
3.75% ▲ 0.76% above Tennessee avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.99%▲ 0.76% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
TRUST Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.70%
2186 Northgate Park Ln, Chattanooga, TN 37415 6911
18-Month Share Certificate
$500
3.75% ▲ 0.76% above Tennessee avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.99%▲ 0.76% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5600 Navy Rd, Millington, TN 38053
18 Month ESA EasyStart Certificate
$50
3.70% ▲ 0.71% above Tennessee avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.99%▲ 0.71% above avgNationally 2.87%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 6, 2026: 3.70% APYOct 6, 2026Oct 13, 2026
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
215 Centerview Dr Ste 3 111, Brentwood, TN 37027
18 Month Certificate
$0
3.70% ▲ 0.71% above Tennessee avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.99%▲ 0.71% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
1038 N Main Ave, Erwin, TN 37650
18 Month Share Certificate
$1,000
3.65% ▲ 0.66% above Tennessee avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.99%▲ 0.66% above avgNationally 2.87%
Details

Dividend credited monthly; Early withdrawal penalty: 90 days of dividends

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
110 Bluff Dr, Fayetteville, TN 37334
Share Certificate - 18 Months Fixed
$1,000
3.60% ▲ 0.61% above Tennessee avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.99%▲ 0.61% above avgNationally 2.87%
Details

Compounding: dividend rate 3.55%, APY compounding 3.60%

Rate History
2 changes since Sep 14, 2026 · 3.39% → 3.60% ▲ 0.21 pts · high 3.60% / low 3.39%
2.89%3.50%4.10%Sep 14, 2026: 3.39% APYSep 18, 2026: 3.49% APYOct 4, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20263.60%▲ from 3.49%
  • Sep 18, 20263.49%▲ from 3.39%
  • Sep 14, 20263.39%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
110 Bluff Dr, Fayetteville, TN 37334
Traditional and Roth IRA Certificate - 18 Months Fixed
$0
3.60% ▲ 0.61% above Tennessee avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.99%▲ 0.61% above avgNationally 2.87%
Details

Traditional IRAs and Roth IRA Certificates

Rate History
No change since Oct 12, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 12, 2026: 3.60% APYOct 12, 2026Oct 13, 2026
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
980 Jason Witten Way, Elizabethton, TN 37643
18 Month Certificate Account with Rewards
$500
3.60% ▲ 0.61% above Tennessee avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.99%▲ 0.61% above avgNationally 2.87%
Details

Rewards version; Dividend Rate & Annual Percentage Yield column (single value printed)

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.60% ▲ 0.25 pts · high 3.60% / low 3.35%
2.85%3.47%4.10%Sep 14, 2026: 3.35% APYOct 5, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.60%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
1720 WESTERN AVE, KNOXVILLE, TN 37921
18 Month Certificate
$2,500
3.60% ▲ 0.61% above Tennessee avg
View
▼
Rate3.55%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.99%▲ 0.61% above avgNationally 2.87%
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%. Early withdrawal penalties may apply

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 13, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
110 Bluff Dr, Fayetteville, TN 37334
Share Certificate - 18 Months Fixed
$1,000
3.55% ▲ 0.56% above Tennessee avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.99%▲ 0.56% above avgNationally 2.87%
Details

Non-Compounding: dividend rate 3.55%, APY non-compounding 3.55%

Rate History
3 changes since Sep 14, 2026 · 3.39% → 3.55% ▲ 0.16 pts · high 3.60% / low 3.39%
2.89%3.50%4.10%Sep 14, 2026: 3.39% APYSep 18, 2026: 3.49% APYOct 4, 2026: 3.60% APYOct 12, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.55%▼ from 3.60%
  • Oct 4, 20263.60%▲ from 3.49%
  • Sep 18, 20263.49%▲ from 3.39%
  • Sep 14, 20263.39%first recorded
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
1623 Hatcher Ln, Columbia, TN 38401 4826
18 Month Jumbo Certificate
$250,000
3.55% ▲ 0.56% above Tennessee avg
View
▼
Rate3.50%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.99%▲ 0.56% above avgNationally 2.87%
Details

Effective 10/9/26 - 10/15/26; Share Savings account required

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 13, 2026
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
775 Ridge Lake Blvd, Memphis, TN 38120
18 Month IRA Fixed
$100
3.50% ▲ 0.51% above Tennessee avg
View
▼
Rate3.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.99%▲ 0.51% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.29% → 3.50% ▲ 0.21 pts · high 3.50% / low 3.29%
2.79%3.40%4.00%Sep 14, 2026: 3.29% APYOct 7, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20263.50%▲ from 3.29%
  • Sep 14, 20263.29%first recorded
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1122 N Main St, Shelbyville, TN 37160
18 Month Certificate of Deposit
$0
3.50% ▲ 0.51% above Tennessee avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.99%▲ 0.51% above avgNationally 2.87%
Details

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 13, 2026
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
1545 Bluff City Hwy, Bristol, TN 37620 6018
18 Month Share Certificate
$1,000
3.50% ▲ 0.51% above Tennessee avg
View
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.99%▲ 0.51% above avgNationally 2.87%
Details

IRA Certificates subject to minimum 6 month term and $1,000 minimum deposit

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 13, 2026
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
3155 Millbranch Rd, Memphis, TN 38116 1917
18 Month Share Certificate
$500
3.50% ▲ 0.51% above Tennessee avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.99%▲ 0.51% above avgNationally 2.87%
Details

Early withdrawal fees apply.

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 13, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
668 Nashville Pike, Gallatin, TN 37066
18 Month Certificate
$0
3.46% ▲ 0.47% above Tennessee avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average2.99%▲ 0.47% above avgNationally 2.87%
Details

Rate History
No change since Sep 24, 2026 · 3.46% APY · checked 5 times
2.96%3.46%3.96%Sep 24, 2026: 3.46% APYSep 24, 2026Oct 13, 2026
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
1623 Hatcher Ln, Columbia, TN 38401 4826
18 Month IRA Certificate
$500
3.44% ▲ 0.45% above Tennessee avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.99%▲ 0.45% above avgNationally 2.87%
Details

Effective 10/9/26 - 10/15/26; Share Savings account required

Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 5 times
2.94%3.44%3.94%Sep 14, 2026: 3.44% APYSep 14, 2026Oct 13, 2026

Tennessee 24 Month CD Rates

MonitorBankRates Tennessee Average · 24 Month CD3.05% APY▲ 0.02% from last weekNational 2.88%
View 24-month CD rate trend

The average 24-month CD rate in Tennessee is 3.05% APY, compared with 2.88% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1451 Madison Ave, Memphis, TN 38104
24 Month Share Certificates (CDs) - Jumbo
$1,000
4.82% ▲ 1.77% above Tennessee avg
View
▼
Rate4.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average3.05%▲ 1.77% above avgNationally 2.88%
Details

Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more.

Rate History
No change since Oct 13, 2026 · 4.82% APY
4.32%4.82%5.32%Oct 13, 2026: 4.82% APYOct 13, 2026Oct 13, 2026
Finworth, a division of InsBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
2106 Crestmoor Rd, Nashville, TN 37215
2 Years Certificate
$0
4.35% ▲ 1.30% above Tennessee avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average3.05%▲ 1.30% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 7, 2026: 4.35% APYOct 7, 2026Oct 13, 2026
Holley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
1107 Mineral Wells Ave, Paris, TN 38242 4903
24 Month Share Certificate
$0
4.32% ▲ 1.27% above Tennessee avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.05%▲ 1.27% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.32% ▲ 0.57 pts · high 4.32% / low 3.75%
3.18%4.04%4.89%Sep 14, 2026: 3.75% APYSep 27, 2026: 4.32% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.32%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Financial Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
1715 Aaron Brenner Dr, Memphis, TN 38120
24 MONTH CD
$0
4.25% ▲ 1.20% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average3.05%▲ 1.20% above avgNationally 2.88%
Details

Rate History
No change since Oct 2, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Oct 2, 2026: 4.25% APYOct 2, 2026Oct 13, 2026
SouthEast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
285 Front St, Spring City, TN 37381
24-Month CD Special
$1,000
4.25% ▲ 1.20% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average3.05%▲ 1.20% above avgNationally 2.88%
Details

Interest Compounded & Credited: Quarterly

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
Leaders Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
214 Oil Well Rd, Jackson, TN 38305 7914
24-Month Certificate Special
$1,000
4.25% ▲ 1.20% above Tennessee avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.05%▲ 1.20% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 9, 2026: 4.25% APYOct 9, 2026Oct 13, 2026
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
5034 Bobby Hicks Hwy Ste 2, Gray, TN 37615
24 Month Certificate
$1,000
4.15% ▲ 1.10% above Tennessee avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average3.05%▲ 1.10% above avgNationally 2.88%
Details

Paid monthly

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.15% ▲ 0.70 pts · high 4.15% / low 3.45%
2.75%3.80%4.85%Sep 14, 2026: 3.45% APYOct 5, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.15%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3634 E Andrew Johnson Hwy, Greeneville, TN 37745
24 Month Term Certificate
$0
4.15% ▲ 1.10% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.05%▲ 1.10% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
IRA 24 Month Certificate
$0
4.12% ▲ 1.07% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.05%▲ 1.07% above avgNationally 2.88%
Details

Jumbo IRA

Rate History
No change since Sep 14, 2026 · 4.12% APY · checked 6 times
3.62%4.12%4.62%Sep 14, 2026: 4.12% APYSep 14, 2026Oct 13, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
Roth IRA 24 Month Certificate
$0
4.12% ▲ 1.07% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.05%▲ 1.07% above avgNationally 2.88%
Details

Jumbo IRA

Rate History
No change since Sep 14, 2026 · 4.12% APY · checked 6 times
3.62%4.12%4.62%Sep 14, 2026: 4.12% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Retirement Liquid Share Certificates - 2 Year
$0
4.10% ▲ 1.05% above Tennessee avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.05%▲ 1.05% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 9, 2026: 4.10% APYOct 9, 2026Oct 13, 2026
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1316 Wilson Rd, Knoxville, TN 37912
24 Month CERTIFICATE ACCOUNTS/BUSINESS CERTIFICATE ACCOUNTS
$0
4.10% ▲ 1.05% above Tennessee avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 1, 2026
Tennessee Average3.05%▲ 1.05% above avgNationally 2.88%
Details

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

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 18, 2026: 3.85% APYSep 27, 2026: 4.10% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.10%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
520 Airpark Dr, Tullahoma, TN 37388
24 Month Regular, Business and / or IRA Share Certificate
$100,000
4.07% ▲ 1.02% above Tennessee avg
View
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.05%▲ 1.02% above avgNationally 2.88%
Details

Jumbo

Rate History
2 changes since Sep 20, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
3.32%3.95%4.57%Sep 20, 2026: 3.82% APYOct 4, 2026: 4.02% APYOct 12, 2026: 4.07% APYSep 20, 2026Oct 13, 2026
  • Oct 12, 20264.07%▲ from 4.02%
  • Oct 4, 20264.02%▲ from 3.82%
  • Sep 20, 20263.82%first recorded
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
520 Airpark Dr, Tullahoma, TN 37388
Regular, Business and/or IRA Share Certificate - Jumbo 24 Months
$100,000
4.07% ▲ 1.02% above Tennessee avg
View
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.05%▲ 1.02% above avgNationally 2.88%
Details

Jumbo

Rate History
No change since Oct 12, 2026 · 4.07% APY
3.57%4.07%4.57%Oct 12, 2026: 4.07% APYOct 12, 2026Oct 13, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
IRA 24 Month Certificate
$0
4.07% ▲ 1.02% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.05%▲ 1.02% above avgNationally 2.88%
Details

Regular IRA

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 6 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
Roth IRA 24 Month Certificate
$0
4.07% ▲ 1.02% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.05%▲ 1.02% above avgNationally 2.88%
Details

Regular IRA

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 6 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Retirement Liquid Share Certificates - 2 Year
$0
4.05% ▲ 1.00% above Tennessee avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.05%▲ 1.00% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Sep 18, 2026: 4.05% APYSep 18, 2026Oct 13, 2026
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
520 Airpark Dr, Tullahoma, TN 37388
24 Month Regular, Business and / or IRA Share Certificate
$1,000
4.02% ▲ 0.97% above Tennessee avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.05%▲ 0.97% above avgNationally 2.88%
Details

Rate History
1 change since Sep 20, 2026 · 3.82% → 4.02% ▲ 0.20 pts · high 4.02% / low 3.82%
3.32%3.92%4.52%Sep 20, 2026: 3.82% APYOct 4, 2026: 4.02% APYSep 20, 2026Oct 13, 2026
  • Oct 4, 20264.02%▲ from 3.82%
  • Sep 20, 20263.82%first recorded
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
520 Airpark Dr, Tullahoma, TN 37388
Regular, Business and/or IRA Share Certificate - 24 Months
$1,000
4.02% ▲ 0.97% above Tennessee avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.05%▲ 0.97% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 4.02% APY · checked 2 times
3.52%4.02%4.52%Oct 8, 2026: 4.02% APYOct 8, 2026Oct 13, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
110 Bluff Dr, Fayetteville, TN 37334
Jumbo Certificate - 24 Months Fixed
$100,000
4.02% ▲ 0.97% above Tennessee avg
View
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.05%▲ 0.97% above avgNationally 2.88%
Details

Compounding: dividend rate 3.95%, APY compounding 4.02%

Rate History
2 changes since Sep 14, 2026 · 3.82% → 4.02% ▲ 0.20 pts · high 4.02% / low 3.82%
3.32%3.92%4.52%Sep 14, 2026: 3.82% APYSep 18, 2026: 3.92% APYOct 4, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.02%▲ from 3.92%
  • Sep 18, 20263.92%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
24 Month Certificate
$0
4.02% ▲ 0.97% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.05%▲ 0.97% above avgNationally 2.88%
Details

Jumbo Certificate; quarterly dividends

Rate History
No change since Sep 14, 2026 · 4.02% APY · checked 2 times
3.52%4.02%4.52%Sep 14, 2026: 4.02% APYSep 14, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
113 Seaboard Ln, Franklin, TN 37067
24 Month CD
$0
4.00% ▲ 0.95% above Tennessee avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average3.05%▲ 0.95% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
113 Seaboard Ln, Franklin, TN 37067
24 Month Certificate of Deposit
$1,000
4.00% ▲ 0.95% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average3.05%▲ 0.95% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
113 Seaboard Ln, Franklin, TN 37067
24-Month IRA
$1,000
4.00% ▲ 0.95% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average3.05%▲ 0.95% above avgNationally 2.88%
Details

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

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
113 Seaboard Ln, Franklin, TN 37067
IRA - Individual Retirement Accounts 24-Month
$1,000
4.00% ▲ 0.95% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average3.05%▲ 0.95% above avgNationally 2.88%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 7, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
535 Chestnut St, Chattanooga, TN 37402
24 Month Business Share Certificates
$1,000
4.00% ▲ 0.95% above Tennessee avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.05%▲ 0.95% above avgNationally 2.88%
Details

$1,000 minimum opening deposit required. A penalty applies for early withdrawal.

Rate History
1 change since Sep 25, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 25, 2026: 3.75% APYOct 12, 2026: 4.00% APYSep 25, 2026Oct 13, 2026
  • Oct 12, 20264.00%▲ from 3.75%
  • Sep 25, 20263.75%first recorded
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
535 Chestnut St, Chattanooga, TN 37402
Share Certificates - 24 Months
$1,000
4.00% ▲ 0.95% above Tennessee avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.05%▲ 0.95% above avgNationally 2.88%
Details

$1,000 minimum opening deposit required; early withdrawal penalty applies

Rate History
1 change since Oct 4, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Oct 4, 2026: 3.75% APYOct 8, 2026: 4.00% APYOct 4, 2026Oct 13, 2026
  • Oct 8, 20264.00%▲ from 3.75%
  • Oct 4, 20263.75%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
2 Year Business Share Certificates
$0
4.00% ▲ 0.95% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.05%▲ 0.95% above avgNationally 2.88%
Details

Balance: $100,000

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
2 Year Retirement Liquid Share Certificates
$0
4.00% ▲ 0.95% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.05%▲ 0.95% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
2021 Meadowview Ln, Kingsport, TN 37660
1 - 2 Year Business Investment Certificate
$1,000
4.00% ▲ 0.95% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.05%▲ 0.95% above avgNationally 2.88%
Details

Term: 1 to 2 Years (365 to 729 days); Jumbo APY ($100k Minimum): 4.05%; Jumbo Dividend Rate ($100k minimum): 3.98%; Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
2021 Meadowview Ln, Kingsport, TN 37660
1 - 2 Year Investment Certificate
$1,000
4.00% ▲ 0.95% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.05%▲ 0.95% above avgNationally 2.88%
Details

Term: 1 to 2 Years (365 to 729 days); Jumbo APY ($100k Minimum): 4.05%; Jumbo Dividend Rate ($100k minimum): 3.98%; Early Withdrawal Penalty: 90 Days' Dividends

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
488 MAJORS BLVD, LYNCHBURG, TN 37352
24 Month Share Certificate
$1,000
3.97% ▲ 0.92% above Tennessee avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average3.05%▲ 0.92% above avgNationally 2.88%
Details

Rates effective as of 01/27/2026

Rate History
No change since Oct 13, 2026 · 3.97% APY
3.47%3.97%4.47%Oct 13, 2026: 3.97% APYOct 13, 2026Oct 13, 2026
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
488 MAJORS BLVD, LYNCHBURG, TN 37352
IRA Account - 24 Months
$2,000
3.97% ▲ 0.92% above Tennessee avg
View
▼
Rate3.90%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average3.05%▲ 0.92% above avgNationally 2.88%
Details

Rates effective as of 01/27/2026

Rate History
No change since Oct 13, 2026 · 3.97% APY
3.47%3.97%4.47%Oct 13, 2026: 3.97% APYOct 13, 2026Oct 13, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
24 Month Certificate
$0
3.97% ▲ 0.92% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.05%▲ 0.92% above avgNationally 2.88%
Details

Regular Certificate; quarterly dividends

Rate History
No change since Sep 14, 2026 · 3.97% APY · checked 2 times
3.47%3.97%4.47%Sep 14, 2026: 3.97% APYSep 14, 2026Oct 13, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
110 Bluff Dr, Fayetteville, TN 37334
Jumbo Certificate - 24 Months Fixed
$100,000
3.95% ▲ 0.90% above Tennessee avg
View
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.05%▲ 0.90% above avgNationally 2.88%
Details

Non-Compounding: dividend rate 3.95%, APY non-compounding 3.95%

Rate History
3 changes since Sep 14, 2026 · 3.82% → 3.95% ▲ 0.13 pts · high 4.02% / low 3.82%
3.32%3.92%4.52%Sep 14, 2026: 3.82% APYSep 18, 2026: 3.92% APYOct 4, 2026: 4.02% APYOct 12, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.95%▼ from 4.02%
  • Oct 4, 20264.02%▲ from 3.92%
  • Sep 18, 20263.92%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
2 Year Business Share Certificates
$0
3.95% ▲ 0.90% above Tennessee avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.05%▲ 0.90% above avgNationally 2.88%
Details

Balance: $50,000

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
EPB Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.26%
1500 McCallie Ave, Chattanooga, TN 37404 2937
2 1/2-Year CD
$0
3.95% ▲ 0.90% above Tennessee avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.05%▲ 0.90% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 13, 2026
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
908 Woodland St, Nashville, TN 37206
2 Year Share Certificate
$1,000
3.92% ▲ 0.87% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.05%▲ 0.87% above avgNationally 2.88%
Details

Balance: $1,000-$74,999

Rate History
1 change since Sep 21, 2026 · 3.72% → 3.92% ▲ 0.20 pts · high 3.92% / low 3.72%
3.22%3.82%4.42%Sep 21, 2026: 3.72% APYOct 9, 2026: 3.92% APYSep 21, 2026Oct 13, 2026
  • Oct 9, 20263.92%▲ from 3.72%
  • Sep 21, 20263.72%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
2 Year Business Share Certificates
$0
3.90% ▲ 0.85% above Tennessee avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.05%▲ 0.85% above avgNationally 2.88%
Details

Balance: $1,000

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
1 Cameron Hill Cir, Chattanooga, TN 37402
24 Month Share Certificate
$1,000
3.90% ▲ 0.85% above Tennessee avg
View
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 1, 2026
Tennessee Average3.05%▲ 0.85% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 13, 2026
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
2011 Stein Dr, Chattanooga, TN 37421 1692
Certificate - 24 Months
$0
3.80% ▲ 0.75% above Tennessee avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average3.05%▲ 0.75% above avgNationally 2.88%
Details

Dividend Rate: 3.75%; Penalty: 180 days' interest for early withdrawal

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.26 pts · high 3.80% / low 3.55%
3.05%3.67%4.30%Sep 14, 2026: 3.55% APYSep 22, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Sep 22, 20263.80%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
300 Broad St, Elizabethton, TN 37643
24 Month Business CD
$2,500
3.75% ▲ 0.70% above Tennessee avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average3.05%▲ 0.70% above avgNationally 2.88%
Details

Rate History
1 change since Sep 19, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 19, 2026: 3.50% APYOct 7, 2026: 3.75% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20263.75%▲ from 3.50%
  • Sep 19, 20263.50%first recorded
Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
300 Broad St, Elizabethton, TN 37643
24 Months CD
$2,500
3.75% ▲ 0.70% above Tennessee avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average3.05%▲ 0.70% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
EPB Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.26%
1500 McCallie Ave, Chattanooga, TN 37404 2937
1 1/2 Year-CD
$0
3.75% ▲ 0.70% above Tennessee avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.05%▲ 0.70% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 13, 2026
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
980 Jason Witten Way, Elizabethton, TN 37643
24 Month Certificate Account with Rewards
$500
3.75% ▲ 0.70% above Tennessee avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average3.05%▲ 0.70% above avgNationally 2.88%
Details

Rewards version; Dividend Rate & Annual Percentage Yield column (single value printed)

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYOct 5, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
110 Bluff Dr, Fayetteville, TN 37334
Share Certificate - 24 Months Fixed
$1,000
3.70% ▲ 0.65% above Tennessee avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.05%▲ 0.65% above avgNationally 2.88%
Details

Compounding: dividend rate 3.65%, APY compounding 3.70%

Rate History
2 changes since Sep 14, 2026 · 3.49% → 3.70% ▲ 0.21 pts · high 3.70% / low 3.49%
2.99%3.60%4.20%Sep 14, 2026: 3.49% APYSep 18, 2026: 3.60% APYOct 4, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20263.70%▲ from 3.60%
  • Sep 18, 20263.60%▲ from 3.49%
  • Sep 14, 20263.49%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
110 Bluff Dr, Fayetteville, TN 37334
Traditional and Roth IRA Certificate - 24 Months Fixed
$0
3.70% ▲ 0.65% above Tennessee avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.05%▲ 0.65% above avgNationally 2.88%
Details

Traditional IRAs and Roth IRA Certificates

Rate History
No change since Oct 12, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 12, 2026: 3.70% APYOct 12, 2026Oct 13, 2026
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1122 N Main St, Shelbyville, TN 37160
24 Month Certificate of Deposit
$0
3.65% ▲ 0.60% above Tennessee avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.05%▲ 0.60% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 8, 2026: 3.65% APYOct 8, 2026Oct 13, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
110 Bluff Dr, Fayetteville, TN 37334
Share Certificate - 24 Months Fixed
$1,000
3.65% ▲ 0.60% above Tennessee avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.05%▲ 0.60% above avgNationally 2.88%
Details

Non-Compounding: dividend rate 3.65%, APY non-compounding 3.65%

Rate History
3 changes since Sep 14, 2026 · 3.49% → 3.65% ▲ 0.16 pts · high 3.70% / low 3.49%
2.99%3.60%4.20%Sep 14, 2026: 3.49% APYSep 18, 2026: 3.60% APYOct 4, 2026: 3.70% APYOct 12, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.65%▼ from 3.70%
  • Oct 4, 20263.70%▲ from 3.60%
  • Sep 18, 20263.60%▲ from 3.49%
  • Sep 14, 20263.49%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5600 Navy Rd, Millington, TN 38053
24 Month ESA EasyStart Certificate
$50
3.60% ▲ 0.55% above Tennessee avg
View
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.05%▲ 0.55% above avgNationally 2.88%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 13, 2026

Tennessee 36 Month CD Rates

MonitorBankRates Tennessee Average · 36 Month CD2.88% APY▲ 0.04% from last weekNational 2.81%
View 36-month CD rate trend

The average 36-month CD rate in Tennessee is 2.88% APY, compared with 2.81% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1451 Madison Ave, Memphis, TN 38104
36 Month Share Certificates (CDs) - Jumbo
$1,000
4.93% ▲ 2.05% above Tennessee avg
View
▼
Rate4.81%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.88%▲ 2.05% above avgNationally 2.81%
Details

Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more.

Rate History
No change since Oct 13, 2026 · 4.93% APY
4.43%4.93%5.43%Oct 13, 2026: 4.93% APYOct 13, 2026Oct 13, 2026
ORNL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
1117 N Charles G Seivers Blvd, Clinton, TN 37716 3943
36-Month IRA PROMOTIONAL Certificate
$500
4.50% ▲ 1.62% above Tennessee avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.88%▲ 1.62% above avgNationally 2.81%
Details

IRA PROMOTIONAL

Rate History
1 change since Sep 18, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 18, 2026: 4.25% APYOct 6, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
  • Oct 6, 20264.50%▲ from 4.25%
  • Sep 18, 20264.25%first recorded
ORNL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
1117 N Charles G Seivers Blvd, Clinton, TN 37716 3943
36-Month PROMOTIONAL Certificate
$500
4.50% ▲ 1.62% above Tennessee avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.88%▲ 1.62% above avgNationally 2.81%
Details

PROMOTIONAL

Rate History
1 change since Sep 18, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 18, 2026: 4.25% APYOct 6, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
  • Oct 6, 20264.50%▲ from 4.25%
  • Sep 18, 20264.25%first recorded
First National Bank of Pulaski
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
206 S 1st St, Pulaski, TN 38478
36 Month Certificate of Deposit
$10,000
4.25% ▲ 1.37% above Tennessee avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average2.88%▲ 1.37% above avgNationally 2.81%
Details

Term: 36 Months CD with 1x Bump; You may exercise a one-time rate bump during the CD term, the new rate will be determined by the book rate for a 36 month CD and effective for the remaining CD term. Member FDIC.

Rate History
No change since Sep 29, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Sep 29, 2026: 4.25% APYSep 29, 2026Oct 13, 2026
Leaders Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
214 Oil Well Rd, Jackson, TN 38305 7914
12/24/36 Month Certificate Special
$1,000
4.25% ▲ 1.37% above Tennessee avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.88%▲ 1.37% above avgNationally 2.81%
Details

New money only (not on deposit within last 30 days). Compounded monthly.

Rate History
No change since Oct 9, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 9, 2026: 4.25% APYOct 9, 2026Oct 13, 2026
Leaders Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
214 Oil Well Rd, Jackson, TN 38305 7914
36-Month Certificate Special
$1,000
4.25% ▲ 1.37% above Tennessee avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.88%▲ 1.37% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 9, 2026: 4.25% APYOct 9, 2026Oct 13, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
IRA 36 Month Certificate
$0
4.18% ▲ 1.30% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.88%▲ 1.30% above avgNationally 2.81%
Details

Jumbo IRA

Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 6 times
3.68%4.18%4.68%Sep 14, 2026: 4.18% APYSep 14, 2026Oct 13, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
Roth IRA 36 Month Certificate
$0
4.18% ▲ 1.30% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.88%▲ 1.30% above avgNationally 2.81%
Details

Jumbo IRA

Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 6 times
3.68%4.18%4.68%Sep 14, 2026: 4.18% APYSep 14, 2026Oct 13, 2026
Scenic Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.48%
4503 Hixson Pike, Hixson, TN 37343
36 Months Certificate
$500
4.16% ▲ 1.28% above Tennessee avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.88%▲ 1.28% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.03% → 4.16% ▲ 1.13 pts · high 4.16% / low 3.03%
1.90%3.60%5.29%Sep 14, 2026: 3.03% APYOct 10, 2026: 4.16% APYSep 14, 2026Oct 13, 2026
  • Oct 10, 20264.16%▲ from 3.03%
  • Sep 14, 20263.03%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5600 Navy Rd, Millington, TN 38053
3 Year ESA Long-Term Certificate
$100,000
4.15% ▲ 1.27% above Tennessee avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.88%▲ 1.27% above avgNationally 2.81%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
113 Seaboard Ln, Franklin, TN 37067
36 Month CD
$0
4.15% ▲ 1.27% above Tennessee avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.88%▲ 1.27% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
113 Seaboard Ln, Franklin, TN 37067
36 Month Certificate of Deposit
$1,000
4.15% ▲ 1.27% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.88%▲ 1.27% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
113 Seaboard Ln, Franklin, TN 37067
36-Month IRA
$1,000
4.15% ▲ 1.27% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.88%▲ 1.27% above avgNationally 2.81%
Details

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

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
113 Seaboard Ln, Franklin, TN 37067
IRA - Individual Retirement Accounts 36-Month
$1,000
4.15% ▲ 1.27% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.88%▲ 1.27% above avgNationally 2.81%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 14, 2026: 3.75% APYOct 7, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.15%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
110 Bluff Dr, Fayetteville, TN 37334
Jumbo Certificate - 36 Months Fixed
$100,000
4.13% ▲ 1.25% above Tennessee avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.88%▲ 1.25% above avgNationally 2.81%
Details

Compounding: dividend rate 4.05%, APY compounding 4.13%

Rate History
2 changes since Sep 14, 2026 · 3.92% → 4.13% ▲ 0.21 pts · high 4.13% / low 3.92%
3.42%4.03%4.63%Sep 14, 2026: 3.92% APYSep 18, 2026: 4.02% APYOct 4, 2026: 4.13% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.13%▲ from 4.02%
  • Sep 18, 20264.02%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
36 Month Certificate
$0
4.13% ▲ 1.25% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.88%▲ 1.25% above avgNationally 2.81%
Details

Jumbo Certificate

Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 2 times
3.63%4.13%4.63%Sep 14, 2026: 4.13% APYSep 14, 2026Oct 13, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
IRA 36 Month Certificate
$0
4.13% ▲ 1.25% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.88%▲ 1.25% above avgNationally 2.81%
Details

Regular IRA

Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 6 times
3.63%4.13%4.63%Sep 14, 2026: 4.13% APYSep 14, 2026Oct 13, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
Roth IRA 36 Month Certificate
$0
4.13% ▲ 1.25% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.88%▲ 1.25% above avgNationally 2.81%
Details

Regular IRA

Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 6 times
3.63%4.13%4.63%Sep 14, 2026: 4.13% APYSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5600 Navy Rd, Millington, TN 38053
3 Year ESA Long-Term Certificate
$1,000
4.10% ▲ 1.22% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.88%▲ 1.22% above avgNationally 2.81%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Retirement Liquid Share Certificates - 3 Year
$0
4.10% ▲ 1.22% above Tennessee avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.88%▲ 1.22% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYOct 9, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1316 Wilson Rd, Knoxville, TN 37912
36 Month CERTIFICATE ACCOUNTS/BUSINESS CERTIFICATE ACCOUNTS
$0
4.10% ▲ 1.22% above Tennessee avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 1, 2026
Tennessee Average2.88%▲ 1.22% above avgNationally 2.81%
Details

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

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 18, 2026: 3.85% APYSep 27, 2026: 4.10% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.10%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1316 Wilson Rd, Knoxville, TN 37912
Business IRA Certificate Accounts - 36 Months
$0
4.10% ▲ 1.22% above Tennessee avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 1, 2026
Tennessee Average2.88%▲ 1.22% above avgNationally 2.81%
Details

IRA Certificate Accounts; Dividends can be added back to the account, transferred to another Knoxville TVA Employees Credit Union account, or mailed to you each month. Annual Percentage Yield applies when the dividend is reinvested in the account. Certificate Accounts (other than Educational Savings) can be designated as an Individual Retirement Account (IRA) or Health Savings Account (HSA). Talk to a financial advisor regarding individual scenarios. Add 0.25% to current dividend certificate rate with at least $10,000 new money OR with direct deposit. Ask for details.

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 14, 2026: 3.85% APYSep 27, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.10%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
36 Month Certificate
$0
4.07% ▲ 1.19% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.88%▲ 1.19% above avgNationally 2.81%
Details

Regular Certificate

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 13, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
110 Bluff Dr, Fayetteville, TN 37334
Jumbo Certificate - 36 Months Fixed
$100,000
4.05% ▲ 1.17% above Tennessee avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.88%▲ 1.17% above avgNationally 2.81%
Details

Non-Compounding: dividend rate 4.05%, APY non-compounding 4.05%

Rate History
3 changes since Sep 14, 2026 · 3.92% → 4.05% ▲ 0.13 pts · high 4.13% / low 3.92%
3.42%4.03%4.63%Sep 14, 2026: 3.92% APYSep 18, 2026: 4.02% APYOct 4, 2026: 4.13% APYOct 12, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20264.05%▼ from 4.13%
  • Oct 4, 20264.13%▲ from 4.02%
  • Sep 18, 20264.02%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
5034 Bobby Hicks Hwy Ste 2, Gray, TN 37615
36 Month Certificate
$1,000
4.05% ▲ 1.17% above Tennessee avg
View
▼
Rate3.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.88%▲ 1.17% above avgNationally 2.81%
Details

Paid monthly

Rate History
1 change since Sep 14, 2026 · 3.40% → 4.05% ▲ 0.65 pts · high 4.05% / low 3.40%
2.75%3.72%4.70%Sep 14, 2026: 3.40% APYOct 5, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20264.05%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Retirement Liquid Share Certificates - 3 Year
$0
4.05% ▲ 1.17% above Tennessee avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.88%▲ 1.17% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.05% ▲ 0.05 pts · high 4.05% / low 4.00%
3.50%4.03%4.55%Sep 14, 2026: 4.00% APYOct 9, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20264.05%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
488 MAJORS BLVD, LYNCHBURG, TN 37352
36 Month Share Certificate
$1,000
4.02% ▲ 1.14% above Tennessee avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.88%▲ 1.14% above avgNationally 2.81%
Details

Rates effective as of 01/27/2026

Rate History
No change since Oct 13, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 13, 2026: 4.02% APYOct 13, 2026Oct 13, 2026
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
488 MAJORS BLVD, LYNCHBURG, TN 37352
IRA Account - 36 Months
$2,000
4.02% ▲ 1.14% above Tennessee avg
View
▼
Rate3.95%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.88%▲ 1.14% above avgNationally 2.81%
Details

Rates effective as of 01/27/2026

Rate History
No change since Oct 13, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 13, 2026: 4.02% APYOct 13, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
3 Year Business Share Certificates
$0
4.00% ▲ 1.12% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.88%▲ 1.12% above avgNationally 2.81%
Details

Balance: $100,000

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Retirement Liquid Share Certificates - 3 Year
$0
4.00% ▲ 1.12% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.88%▲ 1.12% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Traditional/Roth IRA Certificate - 3 Year
$100,000
4.00% ▲ 1.12% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.88%▲ 1.12% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 13, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
2021 Meadowview Ln, Kingsport, TN 37660
2 - 3 Year Business Investment Certificate
$1,000
4.00% ▲ 1.12% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.88%▲ 1.12% above avgNationally 2.81%
Details

Term: 2 to 3 Years (730 to 1,094 days); Jumbo APY ($100k Minimum): 4.05%; Jumbo Dividend Rate ($100k minimum): 3.98%; Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
2021 Meadowview Ln, Kingsport, TN 37660
2 - 3 Year Investment Certificate
$1,000
4.00% ▲ 1.12% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.88%▲ 1.12% above avgNationally 2.81%
Details

Term: 2 to 3 Years (730 to 1,094 days); Jumbo APY ($100k Minimum): 4.05%; Jumbo Dividend Rate ($100k minimum): 3.98%; Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
3 Year Business Share Certificates
$0
3.95% ▲ 1.07% above Tennessee avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.88%▲ 1.07% above avgNationally 2.81%
Details

Balance: $50,000

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Traditional/Roth IRA Certificate - 3 Year
$50,000
3.95% ▲ 1.07% above Tennessee avg
View
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.88%▲ 1.07% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 13, 2026
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
520 Airpark Dr, Tullahoma, TN 37388
36 Month Regular, Business and / or IRA Share Certificate
$1,000
3.92% ▲ 1.04% above Tennessee avg
View
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.88%▲ 1.04% above avgNationally 2.81%
Details

Rate History
1 change since Sep 20, 2026 · 3.87% → 3.92% ▲ 0.05 pts · high 3.92% / low 3.87%
3.37%3.90%4.42%Sep 20, 2026: 3.87% APYOct 4, 2026: 3.92% APYSep 20, 2026Oct 13, 2026
  • Oct 4, 20263.92%▲ from 3.87%
  • Sep 20, 20263.87%first recorded
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
520 Airpark Dr, Tullahoma, TN 37388
Regular, Business and/or IRA Share Certificate - 36 Months
$1,000
3.92% ▲ 1.04% above Tennessee avg
View
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.88%▲ 1.04% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.92% APY · checked 2 times
3.42%3.92%4.42%Oct 8, 2026: 3.92% APYOct 8, 2026Oct 13, 2026
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
908 Woodland St, Nashville, TN 37206
3 Year Share Certificate
$1,000
3.91% ▲ 1.03% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.88%▲ 1.03% above avgNationally 2.81%
Details

Balance: $1,000-$74,999

Rate History
1 change since Sep 21, 2026 · 3.63% → 3.91% ▲ 0.28 pts · high 3.91% / low 3.63%
3.13%3.77%4.41%Sep 21, 2026: 3.63% APYOct 9, 2026: 3.91% APYSep 21, 2026Oct 13, 2026
  • Oct 9, 20263.91%▲ from 3.63%
  • Sep 21, 20263.63%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
3 Year Business Share Certificates
$0
3.90% ▲ 1.02% above Tennessee avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.88%▲ 1.02% above avgNationally 2.81%
Details

Balance: $1,000

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Traditional/Roth IRA Certificate - 3 Year
$1,000
3.90% ▲ 1.02% above Tennessee avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.88%▲ 1.02% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 9, 2026: 3.90% APYOct 9, 2026Oct 13, 2026
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
980 Jason Witten Way, Elizabethton, TN 37643
36 Month Certificate Account
$0
3.85% ▲ 0.97% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.88%▲ 0.97% above avgNationally 2.81%
Details

Dividend Rate & Annual Percentage Yield column (single value printed)

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.85% ▲ 0.25 pts · high 3.85% / low 3.60%
3.10%3.72%4.35%Sep 14, 2026: 3.60% APYOct 1, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20263.85%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
110 Bluff Dr, Fayetteville, TN 37334
Share Certificate - 36 Months Fixed
$1,000
3.80% ▲ 0.92% above Tennessee avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.88%▲ 0.92% above avgNationally 2.81%
Details

Compounding: dividend rate 3.75%, APY compounding 3.80%

Rate History
2 changes since Sep 14, 2026 · 3.60% → 3.80% ▲ 0.20 pts · high 3.80% / low 3.60%
3.10%3.70%4.30%Sep 14, 2026: 3.60% APYSep 18, 2026: 3.70% APYOct 4, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20263.80%▲ from 3.70%
  • Sep 18, 20263.70%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
110 Bluff Dr, Fayetteville, TN 37334
Traditional and Roth IRA Certificate - 36 Months Fixed
$0
3.80% ▲ 0.92% above Tennessee avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.88%▲ 0.92% above avgNationally 2.81%
Details

Traditional IRAs and Roth IRA Certificates

Rate History
No change since Oct 12, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 13, 2026
Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
300 Broad St, Elizabethton, TN 37643
36 Month Business CD
$2,500
3.75% ▲ 0.87% above Tennessee avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average2.88%▲ 0.87% above avgNationally 2.81%
Details

Rate History
1 change since Sep 19, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 19, 2026: 3.50% APYOct 7, 2026: 3.75% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20263.75%▲ from 3.50%
  • Sep 19, 20263.50%first recorded
Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
300 Broad St, Elizabethton, TN 37643
36 Months CD
$2,500
3.75% ▲ 0.87% above Tennessee avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average2.88%▲ 0.87% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 13, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
110 Bluff Dr, Fayetteville, TN 37334
Share Certificate - 36 Months Fixed
$1,000
3.75% ▲ 0.87% above Tennessee avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.88%▲ 0.87% above avgNationally 2.81%
Details

Non-Compounding: dividend rate 3.75%, APY non-compounding 3.75%

Rate History
3 changes since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.80% / low 3.60%
3.10%3.70%4.30%Sep 14, 2026: 3.60% APYSep 18, 2026: 3.70% APYOct 4, 2026: 3.80% APYOct 12, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.75%▼ from 3.80%
  • Oct 4, 20263.80%▲ from 3.70%
  • Sep 18, 20263.70%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
110 Bluff Dr, Fayetteville, TN 37334
Member's Choice Share Certificate - 36 Months Fixed
$0
3.70% ▲ 0.82% above Tennessee avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.88%▲ 0.82% above avgNationally 2.81%
Details

Compounding: dividend rate 3.65%, APY compounding 3.70%

Rate History
2 changes since Sep 14, 2026 · 3.49% → 3.70% ▲ 0.21 pts · high 3.70% / low 3.49%
2.99%3.60%4.20%Sep 14, 2026: 3.49% APYSep 18, 2026: 3.60% APYOct 4, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20263.70%▲ from 3.60%
  • Sep 18, 20263.60%▲ from 3.49%
  • Sep 14, 20263.49%first recorded
New South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
3261 N Mall Rd, Knoxville, TN 37924
36 Month Certificate
$0
3.70% ▲ 0.82% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.88%▲ 0.82% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 3.00% → 3.70% ▲ 0.70 pts · high 3.70% / low 3.00%
2.30%3.35%4.40%Sep 21, 2026: 3.00% APYOct 9, 2026: 3.70% APYSep 21, 2026Oct 13, 2026
  • Oct 9, 20263.70%▲ from 3.00%
  • Sep 21, 20263.00%first recorded
New South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
3261 N Mall Rd, Knoxville, TN 37924
36 Month IRA Certificates
$0
3.70% ▲ 0.82% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.88%▲ 0.82% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.70% ▲ 0.70 pts · high 3.70% / low 3.00%
2.30%3.35%4.40%Sep 14, 2026: 3.00% APYOct 9, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Oct 9, 20263.70%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1122 N Main St, Shelbyville, TN 37160
36 Month Certificate of Deposit
$0
3.65% ▲ 0.77% above Tennessee avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.88%▲ 0.77% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 8, 2026: 3.65% APYOct 8, 2026Oct 13, 2026

Tennessee 48 Month CD Rates

MonitorBankRates Tennessee Average · 48 Month CD2.84% APY▲ 0.04% from last weekNational 2.80%
View 48-month CD rate trend

The average 48-month CD rate in Tennessee is 2.84% APY, compared with 2.80% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
IRA 48 Month Certificate
$0
4.23% ▲ 1.39% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.84%▲ 1.39% above avgNationally 2.80%
Details

Jumbo IRA

Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 6 times
3.73%4.23%4.73%Sep 14, 2026: 4.23% APYSep 14, 2026Oct 13, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
Roth IRA 48 Month Certificate
$0
4.23% ▲ 1.39% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.84%▲ 1.39% above avgNationally 2.80%
Details

Jumbo IRA

Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 6 times
3.73%4.23%4.73%Sep 14, 2026: 4.23% APYSep 14, 2026Oct 13, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
110 Bluff Dr, Fayetteville, TN 37334
Jumbo Certificate - 48 Months Fixed
$100,000
4.18% ▲ 1.34% above Tennessee avg
View
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.84%▲ 1.34% above avgNationally 2.80%
Details

Compounding: dividend rate 4.10%, APY compounding 4.18%

Rate History
2 changes since Sep 14, 2026 · 3.97% → 4.18% ▲ 0.21 pts · high 4.18% / low 3.97%
3.47%4.08%4.68%Sep 14, 2026: 3.97% APYSep 18, 2026: 4.07% APYOct 4, 2026: 4.18% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.18%▲ from 4.07%
  • Sep 18, 20264.07%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
48 Month Certificate
$0
4.18% ▲ 1.34% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.84%▲ 1.34% above avgNationally 2.80%
Details

Jumbo Certificate

Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 2 times
3.68%4.18%4.68%Sep 14, 2026: 4.18% APYSep 14, 2026Oct 13, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
IRA 48 Month Certificate
$0
4.18% ▲ 1.34% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.84%▲ 1.34% above avgNationally 2.80%
Details

Regular IRA

Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 6 times
3.68%4.18%4.68%Sep 14, 2026: 4.18% APYSep 14, 2026Oct 13, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
Roth IRA 48 Month Certificate
$0
4.18% ▲ 1.34% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.84%▲ 1.34% above avgNationally 2.80%
Details

Regular IRA

Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 6 times
3.68%4.18%4.68%Sep 14, 2026: 4.18% APYSep 14, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
113 Seaboard Ln, Franklin, TN 37067
48 Month CD
$0
4.15% ▲ 1.31% above Tennessee avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.84%▲ 1.31% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
113 Seaboard Ln, Franklin, TN 37067
48 Month Certificate of Deposit
$1,000
4.15% ▲ 1.31% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.84%▲ 1.31% above avgNationally 2.80%
Details

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

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
113 Seaboard Ln, Franklin, TN 37067
48-Month IRA
$1,000
4.15% ▲ 1.31% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.84%▲ 1.31% above avgNationally 2.80%
Details

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

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
113 Seaboard Ln, Franklin, TN 37067
IRA - Individual Retirement Accounts 48-Month
$1,000
4.15% ▲ 1.31% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.84%▲ 1.31% above avgNationally 2.80%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
3.25%3.95%4.65%Sep 14, 2026: 3.75% APYOct 7, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.15%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1316 Wilson Rd, Knoxville, TN 37912
48 Month CERTIFICATE ACCOUNTS/BUSINESS CERTIFICATE ACCOUNTS
$0
4.15% ▲ 1.31% above Tennessee avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 1, 2026
Tennessee Average2.84%▲ 1.31% above avgNationally 2.80%
Details

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

Rate History
1 change since Sep 18, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90%
3.40%4.03%4.65%Sep 18, 2026: 3.90% APYSep 27, 2026: 4.15% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.15%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1316 Wilson Rd, Knoxville, TN 37912
Business IRA Certificate Accounts - 48 Months
$0
4.15% ▲ 1.31% above Tennessee avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 1, 2026
Tennessee Average2.84%▲ 1.31% above avgNationally 2.80%
Details

IRA Certificate Accounts; Dividends can be added back to the account, transferred to another Knoxville TVA Employees Credit Union account, or mailed to you each month. Annual Percentage Yield applies when the dividend is reinvested in the account. Certificate Accounts (other than Educational Savings) can be designated as an Individual Retirement Account (IRA) or Health Savings Account (HSA). Talk to a financial advisor regarding individual scenarios. Add 0.25% to current dividend certificate rate with at least $10,000 new money OR with direct deposit. Ask for details.

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90%
3.40%4.03%4.65%Sep 14, 2026: 3.90% APYSep 27, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.15%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
48 Month Certificate
$0
4.13% ▲ 1.29% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.84%▲ 1.29% above avgNationally 2.80%
Details

Regular Certificate

Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 2 times
3.63%4.13%4.63%Sep 14, 2026: 4.13% APYSep 14, 2026Oct 13, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
110 Bluff Dr, Fayetteville, TN 37334
Jumbo Certificate - 48 Months Fixed
$100,000
4.10% ▲ 1.26% above Tennessee avg
View
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.84%▲ 1.26% above avgNationally 2.80%
Details

Non-Compounding: dividend rate 4.10%, APY non-compounding 4.10%

Rate History
3 changes since Sep 14, 2026 · 3.97% → 4.10% ▲ 0.13 pts · high 4.18% / low 3.97%
3.47%4.08%4.68%Sep 14, 2026: 3.97% APYSep 18, 2026: 4.07% APYOct 4, 2026: 4.18% APYOct 12, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20264.10%▼ from 4.18%
  • Oct 4, 20264.18%▲ from 4.07%
  • Sep 18, 20264.07%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
300 Broad St, Elizabethton, TN 37643
48 Month Business CD
$2,500
4.00% ▲ 1.16% above Tennessee avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average2.84%▲ 1.16% above avgNationally 2.80%
Details

Rate History
1 change since Sep 19, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 19, 2026: 3.50% APYOct 7, 2026: 4.00% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20264.00%▲ from 3.50%
  • Sep 19, 20263.50%first recorded
Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
300 Broad St, Elizabethton, TN 37643
48 Months CD
$2,500
4.00% ▲ 1.16% above Tennessee avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average2.84%▲ 1.16% above avgNationally 2.80%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
2021 Meadowview Ln, Kingsport, TN 37660
3 - 4 Year Business Investment Certificate
$1,000
4.00% ▲ 1.16% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.84%▲ 1.16% above avgNationally 2.80%
Details

Term: 3 to 4 Years (1,095 to 1,460 days); Jumbo APY ($100k Minimum): 4.05%; Jumbo Dividend Rate ($100k minimum): 3.98%; Early Withdrawal Penalty: 240 Days' Dividends

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
2021 Meadowview Ln, Kingsport, TN 37660
3 - 4 Year Investment Certificate
$1,000
4.00% ▲ 1.16% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.84%▲ 1.16% above avgNationally 2.80%
Details

Term: 3 to 4 Years (1,095 to 1,460 days); Jumbo APY ($100k Minimum): 4.05%; Jumbo Dividend Rate ($100k minimum): 3.98%; Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
520 Airpark Dr, Tullahoma, TN 37388
48 Month Regular, Business and / or IRA Share Certificate
$1,000
3.97% ▲ 1.13% above Tennessee avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.84%▲ 1.13% above avgNationally 2.80%
Details

Rate History
1 change since Sep 20, 2026 · 3.92% → 3.97% ▲ 0.05 pts · high 3.97% / low 3.92%
3.42%3.95%4.47%Sep 20, 2026: 3.92% APYOct 4, 2026: 3.97% APYSep 20, 2026Oct 13, 2026
  • Oct 4, 20263.97%▲ from 3.92%
  • Sep 20, 20263.92%first recorded
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
520 Airpark Dr, Tullahoma, TN 37388
Regular, Business and/or IRA Share Certificate - 48 Months
$1,000
3.97% ▲ 1.13% above Tennessee avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.84%▲ 1.13% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 3.97% APY · checked 2 times
3.47%3.97%4.47%Oct 8, 2026: 3.97% APYOct 8, 2026Oct 13, 2026
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
980 Jason Witten Way, Elizabethton, TN 37643
48 Month Certificate Account
$0
3.95% ▲ 1.11% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.84%▲ 1.11% above avgNationally 2.80%
Details

Dividend Rate & Annual Percentage Yield column (single value printed)

Rate History
1 change since Sep 14, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70%
3.20%3.83%4.45%Sep 14, 2026: 3.70% APYOct 1, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20263.95%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
110 Bluff Dr, Fayetteville, TN 37334
Share Certificate - 48 Months Fixed
$1,000
3.85% ▲ 1.01% above Tennessee avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.84%▲ 1.01% above avgNationally 2.80%
Details

Compounding: dividend rate 3.80%, APY compounding 3.85%

Rate History
2 changes since Sep 14, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65%
3.15%3.75%4.35%Sep 14, 2026: 3.65% APYSep 18, 2026: 3.75% APYOct 4, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20263.85%▲ from 3.75%
  • Sep 18, 20263.75%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
110 Bluff Dr, Fayetteville, TN 37334
Traditional and Roth IRA Certificate - 48 Months Fixed
$0
3.85% ▲ 1.01% above Tennessee avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.84%▲ 1.01% above avgNationally 2.80%
Details

Traditional IRAs and Roth IRA Certificates

Rate History
No change since Oct 12, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 12, 2026: 3.85% APYOct 12, 2026Oct 13, 2026
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
908 Woodland St, Nashville, TN 37206
4 Year Share Certificate
$1,000
3.82% ▲ 0.98% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.84%▲ 0.98% above avgNationally 2.80%
Details

Balance: $1,000-$74,999

Rate History
1 change since Sep 21, 2026 · 3.55% → 3.82% ▲ 0.27 pts · high 3.82% / low 3.55%
3.05%3.69%4.32%Sep 21, 2026: 3.55% APYOct 9, 2026: 3.82% APYSep 21, 2026Oct 13, 2026
  • Oct 9, 20263.82%▲ from 3.55%
  • Sep 21, 20263.55%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
110 Bluff Dr, Fayetteville, TN 37334
Share Certificate - 48 Months Fixed
$1,000
3.80% ▲ 0.96% above Tennessee avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.84%▲ 0.96% above avgNationally 2.80%
Details

Non-Compounding: dividend rate 3.80%, APY non-compounding 3.80%

Rate History
3 changes since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.85% / low 3.65%
3.15%3.75%4.35%Sep 14, 2026: 3.65% APYSep 18, 2026: 3.75% APYOct 4, 2026: 3.85% APYOct 12, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.80%▼ from 3.85%
  • Oct 4, 20263.85%▲ from 3.75%
  • Sep 18, 20263.75%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
New South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
3261 N Mall Rd, Knoxville, TN 37924
48 Month Certificate
$0
3.80% ▲ 0.96% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.84%▲ 0.96% above avgNationally 2.80%
Details

Rate History
1 change since Sep 21, 2026 · 3.25% → 3.80% ▲ 0.55 pts · high 3.80% / low 3.25%
2.70%3.53%4.35%Sep 21, 2026: 3.25% APYOct 9, 2026: 3.80% APYSep 21, 2026Oct 13, 2026
  • Oct 9, 20263.80%▲ from 3.25%
  • Sep 21, 20263.25%first recorded
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1122 N Main St, Shelbyville, TN 37160
48 Month Certificate of Deposit
$0
3.75% ▲ 0.91% above Tennessee avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.84%▲ 0.91% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 8, 2026: 3.75% APYOct 8, 2026Oct 13, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
110 Bluff Dr, Fayetteville, TN 37334
Member's Choice Share Certificate - 48 Months Fixed
$0
3.75% ▲ 0.91% above Tennessee avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.84%▲ 0.91% above avgNationally 2.80%
Details

Compounding: dividend rate 3.70%, APY compounding 3.75%

Rate History
2 changes since Sep 14, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
3.05%3.65%4.25%Sep 14, 2026: 3.55% APYSep 18, 2026: 3.65% APYOct 4, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20263.75%▲ from 3.65%
  • Sep 18, 20263.65%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
5034 Bobby Hicks Hwy Ste 2, Gray, TN 37615
48 Month Certificate
$1,000
3.75% ▲ 0.91% above Tennessee avg
View
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.84%▲ 0.91% above avgNationally 2.80%
Details

Paid monthly

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.75% ▲ 0.35 pts · high 3.75% / low 3.40%
2.90%3.58%4.25%Sep 14, 2026: 3.40% APYOct 5, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.75%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
110 Bluff Dr, Fayetteville, TN 37334
Member's Choice Share Certificate - 48 Months Fixed
$0
3.70% ▲ 0.86% above Tennessee avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.84%▲ 0.86% above avgNationally 2.80%
Details

Non-Compounding: dividend rate 3.70%, APY non-compounding 3.70%

Rate History
3 changes since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 pts · high 3.75% / low 3.55%
3.05%3.65%4.25%Sep 14, 2026: 3.55% APYSep 18, 2026: 3.65% APYOct 4, 2026: 3.75% APYOct 12, 2026: 3.70% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.70%▼ from 3.75%
  • Oct 4, 20263.75%▲ from 3.65%
  • Sep 18, 20263.65%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
1038 N Main Ave, Erwin, TN 37650
48 Month Share Certificate
$1,000
3.60% ▲ 0.76% above Tennessee avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.84%▲ 0.76% above avgNationally 2.80%
Details

Dividend credited monthly; Early withdrawal penalty: 180 days of dividends

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
580 Franklin Rd, Franklin, TN 37069
4 Year Fixed IRA
$1,000
3.55% ▲ 0.71% above Tennessee avg
View
▼
Rate3.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.84%▲ 0.71% above avgNationally 2.80%
Details

Rate History
No change since Sep 25, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 25, 2026: 3.55% APYSep 25, 2026Oct 13, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
580 Franklin Rd, Franklin, TN 37069
4 Year Certificate
$1,000
3.50% ▲ 0.66% above Tennessee avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.84%▲ 0.66% above avgNationally 2.80%
Details

Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 13, 2026
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
1545 Bluff City Hwy, Bristol, TN 37620 6018
48 Month Share Certificate
$1,000
3.50% ▲ 0.66% above Tennessee avg
View
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.84%▲ 0.66% above avgNationally 2.80%
Details

IRA Certificates subject to minimum 6 month term and $1,000 minimum deposit

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
9525 Apison Pike, Collegedale, TN 37315
48 Month IRA Certificate
$0
3.50% ▲ 0.66% above Tennessee avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Tennessee Average2.84%▲ 0.66% above avgNationally 2.80%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
9525 Apison Pike, Collegedale, TN 37315
48 Month Share Certificates
$0
3.50% ▲ 0.66% above Tennessee avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Tennessee Average2.84%▲ 0.66% above avgNationally 2.80%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 13, 2026
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
3155 Millbranch Rd, Memphis, TN 38116 1917
48 Month Share Certificate
$500
3.50% ▲ 0.66% above Tennessee avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.84%▲ 0.66% above avgNationally 2.80%
Details

Early withdrawal fees apply.

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 13, 2026
Greater Eastern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.62%
2110 W Mountcastle Dr, Johnson City, TN 37604
48 Month Certificate
$0
3.50% ▲ 0.66% above Tennessee avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.84%▲ 0.66% above avgNationally 2.80%
Details

Frequency of Compounding: Quarterly

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 13, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
668 Nashville Pike, Gallatin, TN 37066
48 Month Certificate
$0
3.41% ▲ 0.57% above Tennessee avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average2.84%▲ 0.57% above avgNationally 2.80%
Details

Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
2.91%3.41%3.91%Sep 24, 2026: 3.41% APYSep 24, 2026Oct 13, 2026
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
1623 Hatcher Ln, Columbia, TN 38401 4826
48 Month Jumbo Certificate
$250,000
3.39% ▲ 0.55% above Tennessee avg
View
▼
Rate3.35%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.84%▲ 0.55% above avgNationally 2.80%
Details

Effective 10/9/26 - 10/15/26; Share Savings account required

Rate History
No change since Sep 14, 2026 · 3.39% APY · checked 5 times
2.89%3.39%3.89%Sep 14, 2026: 3.39% APYSep 14, 2026Oct 13, 2026
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
1623 Hatcher Ln, Columbia, TN 38401 4826
48 Month IRA Certificate
$500
3.29% ▲ 0.45% above Tennessee avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.84%▲ 0.45% above avgNationally 2.80%
Details

Effective 10/9/26 - 10/15/26; Share Savings account required

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 5 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
1623 Hatcher Ln, Columbia, TN 38401 4826
48 Month Standard Certificate
$500
3.29% ▲ 0.45% above Tennessee avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.84%▲ 0.45% above avgNationally 2.80%
Details

Effective 10/9/26 - 10/15/26; Share Savings account required

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 6 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
215 Centerview Dr Ste 3 111, Brentwood, TN 37027
48 Month Certificate
$0
3.29% ▲ 0.45% above Tennessee avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.84%▲ 0.45% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 6 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 13, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
905 Tusculum Blvd, Greeneville, TN 37745
48 Month Certificate
$500
3.25% ▲ 0.41% above Tennessee avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average2.84%▲ 0.41% above avgNationally 2.80%
Details

Rate History
1 change since Sep 14, 2026 · 2.90% → 3.25% ▲ 0.35 pts · high 3.25% / low 2.90%
2.40%3.08%3.75%Sep 14, 2026: 2.90% APYOct 7, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20263.25%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
220 S Royal Oaks Blvd, Franklin, TN 37064 5313
4 Year Certificate
$500
3.25% ▲ 0.41% above Tennessee avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.84%▲ 0.41% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 13, 2026
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2711 Old Lebanon Pike, Nashville, TN 37214
48 Month Share Certificate Dividends
$0
3.03% ▲ 0.19% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.84%▲ 0.19% above avgNationally 2.80%
Details

Rate History
No change since Sep 22, 2026 · 3.03% APY · checked 4 times
2.53%3.03%3.53%Sep 22, 2026: 3.03% APYSep 22, 2026Oct 13, 2026
Parthenon Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.11%
2290 Rosa L Parks Blvd, Nashville, TN 37228 1306
4 Year Certificate of Deposit
$500
3.00% ▲ 0.16% above Tennessee avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.84%▲ 0.16% above avgNationally 2.80%
Details

Rates effective as of 2/17/2025; $50.00 minimum balance required in share account to open certificate account; penalty applied for early withdrawal

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
50 Fed Ex Pkwy, Collierville, TN 38017 8711
48 Month Share Certificate
$0
3.00% ▲ 0.16% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.84%▲ 0.16% above avgNationally 2.80%
Details

Balance: $50,000 & up; Dividends Paid Monthly

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 13, 2026
TNConnect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
122 E Macon Ln, Seymour, TN 37865 4730
Tailored Certificate - 48 month
$0
3.00% ▲ 0.16% above Tennessee avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.84%▲ 0.16% above avgNationally 2.80%
Details

Rate History
No change since Sep 22, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 22, 2026: 3.00% APYSep 22, 2026Oct 13, 2026
Beacon Financial Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.56%
300 Med Tech Pkwy, Johnson City, TN 37604
48 Months Certificate
$1,000
3.00% ▲ 0.16% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.84%▲ 0.16% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 13, 2026

Tennessee 60 Month CD Rates

MonitorBankRates Tennessee Average · 60 Month CD3.04% APY▲ 0.07% from last weekNational 2.90%
View 60-month CD rate trend

The average 60-month CD rate in Tennessee is 3.04% APY, compared with 2.90% nationally, as of October 13, 2026. Figures are compiled by MonitorBankRates from more than 8,500 U.S. banks and credit unions.

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1451 Madison Ave, Memphis, TN 38104
60 Month Share Certificates (CDs) - Jumbo
$1,000
4.95% ▲ 1.91% above Tennessee avg
View
▼
Rate4.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average3.04%▲ 1.91% above avgNationally 2.90%
Details

Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more.

Rate History
No change since Oct 13, 2026 · 4.95% APY
4.45%4.95%5.45%Oct 13, 2026: 4.95% APYOct 13, 2026Oct 13, 2026
ORNL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
1117 N Charles G Seivers Blvd, Clinton, TN 37716 3943
60-Month IRA PROMOTIONAL Certificate
$500
4.50% ▲ 1.46% above Tennessee avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.04%▲ 1.46% above avgNationally 2.90%
Details

IRA PROMOTIONAL

Rate History
1 change since Sep 18, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 18, 2026: 4.25% APYOct 6, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
  • Oct 6, 20264.50%▲ from 4.25%
  • Sep 18, 20264.25%first recorded
ORNL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
1117 N Charles G Seivers Blvd, Clinton, TN 37716 3943
60-Month PROMOTIONAL Certificate
$500
4.50% ▲ 1.46% above Tennessee avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.04%▲ 1.46% above avgNationally 2.90%
Details

PROMOTIONAL

Rate History
1 change since Sep 18, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 18, 2026: 4.25% APYOct 6, 2026: 4.50% APYSep 18, 2026Oct 13, 2026
  • Oct 6, 20264.50%▲ from 4.25%
  • Sep 18, 20264.25%first recorded
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
IRA 5 Year Certificate
$0
4.28% ▲ 1.24% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.04%▲ 1.24% above avgNationally 2.90%
Details

Jumbo IRA

Rate History
No change since Sep 14, 2026 · 4.28% APY · checked 6 times
3.78%4.28%4.78%Sep 14, 2026: 4.28% APYSep 14, 2026Oct 13, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
Roth IRA 5 Year Certificate
$0
4.28% ▲ 1.24% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.04%▲ 1.24% above avgNationally 2.90%
Details

Jumbo IRA

Rate History
No change since Sep 14, 2026 · 4.28% APY · checked 6 times
3.78%4.28%4.78%Sep 14, 2026: 4.28% APYSep 14, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
113 Seaboard Ln, Franklin, TN 37067
60 Month CD
$0
4.25% ▲ 1.21% above Tennessee avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average3.04%▲ 1.21% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
113 Seaboard Ln, Franklin, TN 37067
60 Month Certificate of Deposit
$1,000
4.25% ▲ 1.21% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average3.04%▲ 1.21% above avgNationally 2.90%
Details

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

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
113 Seaboard Ln, Franklin, TN 37067
60-Month IRA
$1,000
4.25% ▲ 1.21% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average3.04%▲ 1.21% above avgNationally 2.90%
Details

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

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 13, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
113 Seaboard Ln, Franklin, TN 37067
IRA - Individual Retirement Accounts 60-Month
$1,000
4.25% ▲ 1.21% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average3.04%▲ 1.21% above avgNationally 2.90%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
3.25%4.00%4.75%Sep 14, 2026: 3.75% APYOct 7, 2026: 4.25% APYSep 14, 2026Oct 13, 2026
  • Oct 7, 20264.25%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
110 Bluff Dr, Fayetteville, TN 37334
Jumbo Certificate - 60 Months Fixed
$100,000
4.23% ▲ 1.19% above Tennessee avg
View
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.04%▲ 1.19% above avgNationally 2.90%
Details

Compounding: dividend rate 4.15%, APY compounding 4.23%

Rate History
2 changes since Sep 14, 2026 · 4.02% → 4.23% ▲ 0.21 pts · high 4.23% / low 4.02%
3.52%4.13%4.73%Sep 14, 2026: 4.02% APYSep 18, 2026: 4.13% APYOct 4, 2026: 4.23% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20264.23%▲ from 4.13%
  • Sep 18, 20264.13%▲ from 4.02%
  • Sep 14, 20264.02%first recorded
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
5 Year Certificate
$0
4.23% ▲ 1.19% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.04%▲ 1.19% above avgNationally 2.90%
Details

Jumbo Certificate

Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 2 times
3.73%4.23%4.73%Sep 14, 2026: 4.23% APYSep 14, 2026Oct 13, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
IRA 5 Year Certificate
$0
4.23% ▲ 1.19% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.04%▲ 1.19% above avgNationally 2.90%
Details

Regular IRA

Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 6 times
3.73%4.23%4.73%Sep 14, 2026: 4.23% APYSep 14, 2026Oct 13, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
Roth IRA 5 Year Certificate
$0
4.23% ▲ 1.19% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.04%▲ 1.19% above avgNationally 2.90%
Details

Regular IRA

Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 6 times
3.73%4.23%4.73%Sep 14, 2026: 4.23% APYSep 14, 2026Oct 13, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
5 Year Certificate
$0
4.18% ▲ 1.14% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.04%▲ 1.14% above avgNationally 2.90%
Details

Regular Certificate

Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 2 times
3.68%4.18%4.68%Sep 14, 2026: 4.18% APYSep 14, 2026Oct 13, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
110 Bluff Dr, Fayetteville, TN 37334
Jumbo Certificate - 60 Months Fixed
$100,000
4.15% ▲ 1.11% above Tennessee avg
View
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.04%▲ 1.11% above avgNationally 2.90%
Details

Non-Compounding: dividend rate 4.15%, APY non-compounding 4.15%

Rate History
3 changes since Sep 14, 2026 · 4.02% → 4.15% ▲ 0.13 pts · high 4.23% / low 4.02%
3.52%4.13%4.73%Sep 14, 2026: 4.02% APYSep 18, 2026: 4.13% APYOct 4, 2026: 4.23% APYOct 12, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20264.15%▼ from 4.23%
  • Oct 4, 20264.23%▲ from 4.13%
  • Sep 18, 20264.13%▲ from 4.02%
  • Sep 14, 20264.02%first recorded
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1316 Wilson Rd, Knoxville, TN 37912
60 Month CERTIFICATE ACCOUNTS/BUSINESS CERTIFICATE ACCOUNTS
$0
4.15% ▲ 1.11% above Tennessee avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 1, 2026
Tennessee Average3.04%▲ 1.11% above avgNationally 2.90%
Details

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

Rate History
1 change since Sep 18, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90%
3.40%4.03%4.65%Sep 18, 2026: 3.90% APYSep 27, 2026: 4.15% APYSep 18, 2026Oct 13, 2026
  • Sep 27, 20264.15%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
1316 Wilson Rd, Knoxville, TN 37912
Business IRA Certificate Accounts - 60 Months
$0
4.15% ▲ 1.11% above Tennessee avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 1, 2026
Tennessee Average3.04%▲ 1.11% above avgNationally 2.90%
Details

IRA Certificate Accounts; Dividends can be added back to the account, transferred to another Knoxville TVA Employees Credit Union account, or mailed to you each month. Annual Percentage Yield applies when the dividend is reinvested in the account. Certificate Accounts (other than Educational Savings) can be designated as an Individual Retirement Account (IRA) or Health Savings Account (HSA). Talk to a financial advisor regarding individual scenarios. Add 0.25% to current dividend certificate rate with at least $10,000 new money OR with direct deposit. Ask for details.

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90%
3.40%4.03%4.65%Sep 14, 2026: 3.90% APYSep 27, 2026: 4.15% APYSep 14, 2026Oct 13, 2026
  • Sep 27, 20264.15%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Retirement Liquid Share Certificates - 5 Year
$0
4.10% ▲ 1.06% above Tennessee avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.04%▲ 1.06% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 13, 2026
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
520 Airpark Dr, Tullahoma, TN 37388
60 Month Regular, Business and / or IRA Share Certificate
$1,000
4.07% ▲ 1.03% above Tennessee avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.04%▲ 1.03% above avgNationally 2.90%
Details

Rate History
1 change since Sep 20, 2026 · 3.97% → 4.07% ▲ 0.10 pts · high 4.07% / low 3.97%
3.47%4.02%4.57%Sep 20, 2026: 3.97% APYOct 4, 2026: 4.07% APYSep 20, 2026Oct 13, 2026
  • Oct 4, 20264.07%▲ from 3.97%
  • Sep 20, 20263.97%first recorded
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
520 Airpark Dr, Tullahoma, TN 37388
Regular, Business and/or IRA Share Certificate - 60 Months
$1,000
4.07% ▲ 1.03% above Tennessee avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.04%▲ 1.03% above avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 8, 2026: 4.07% APYOct 8, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Retirement Liquid Share Certificates - 5 Year
$0
4.05% ▲ 1.01% above Tennessee avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.04%▲ 1.01% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 5 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
980 Jason Witten Way, Elizabethton, TN 37643
60 Month Certificate Account
$0
4.05% ▲ 1.01% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average3.04%▲ 1.01% above avgNationally 2.90%
Details

Dividend Rate & Annual Percentage Yield column (single value printed)

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.05% ▲ 0.25 pts · high 4.05% / low 3.80%
3.30%3.93%4.55%Sep 14, 2026: 3.80% APYOct 1, 2026: 4.05% APYSep 14, 2026Oct 13, 2026
  • Oct 1, 20264.05%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
300 Broad St, Elizabethton, TN 37643
60 Month Business CD
$2,500
4.00% ▲ 0.96% above Tennessee avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average3.04%▲ 0.96% above avgNationally 2.90%
Details

Rate History
1 change since Sep 19, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 19, 2026: 3.50% APYOct 7, 2026: 4.00% APYSep 19, 2026Oct 13, 2026
  • Oct 7, 20264.00%▲ from 3.50%
  • Sep 19, 20263.50%first recorded
Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
300 Broad St, Elizabethton, TN 37643
60 Months CD
$2,500
4.00% ▲ 0.96% above Tennessee avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average3.04%▲ 0.96% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
5 Year Business Share Certificates
$0
4.00% ▲ 0.96% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.04%▲ 0.96% above avgNationally 2.90%
Details

Balance: $100,000

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
5 Year Retirement Liquid Share Certificates
$0
4.00% ▲ 0.96% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.04%▲ 0.96% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Traditional/Roth IRA Certificate - 5 Year
$100,000
4.00% ▲ 0.96% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.04%▲ 0.96% above avgNationally 2.90%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 13, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
2021 Meadowview Ln, Kingsport, TN 37660
4 - 5 Year Business Investment Certificate
$1,000
4.00% ▲ 0.96% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.04%▲ 0.96% above avgNationally 2.90%
Details

Term: 4 to 5 Years (1,461 to 1,825 days); Jumbo APY ($100k Minimum): 4.05%; Jumbo Dividend Rate ($100k minimum): 3.98%; Early Withdrawal Penalty: 240 Days' Dividends

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
2021 Meadowview Ln, Kingsport, TN 37660
4 - 5 Year Investment Certificate
$1,000
4.00% ▲ 0.96% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.04%▲ 0.96% above avgNationally 2.90%
Details

Term: 4 to 5 Years (1,461 to 1,825 days); Jumbo APY ($100k Minimum): 4.05%; Jumbo Dividend Rate ($100k minimum): 3.98%; Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
2021 Meadowview Ln, Kingsport, TN 37660
5 Year Business Investment Certificate
$1,000
4.00% ▲ 0.96% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.04%▲ 0.96% above avgNationally 2.90%
Details

Term: 5 Years (1,826 to 2,190 days); Jumbo APY ($100k Minimum): 4.05%; Jumbo Dividend Rate ($100k minimum): 3.98%; Early Withdrawal Penalty: 240 Days' Dividends

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
2021 Meadowview Ln, Kingsport, TN 37660
5 Year Investment Certificate
$1,000
4.00% ▲ 0.96% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.04%▲ 0.96% above avgNationally 2.90%
Details

Term: 5 Years (1,826 to 2,190 days); Jumbo APY ($100k Minimum): 4.05%; Jumbo Dividend Rate ($100k minimum): 3.98%; Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 13, 2026
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
908 Woodland St, Nashville, TN 37206
5 Year Share Certificate
$1,000
3.98% ▲ 0.94% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.04%▲ 0.94% above avgNationally 2.90%
Details

Balance: $1,000-$74,999

Rate History
1 change since Sep 21, 2026 · 3.75% → 3.98% ▲ 0.23 pts · high 3.98% / low 3.75%
3.25%3.87%4.48%Sep 21, 2026: 3.75% APYOct 9, 2026: 3.98% APYSep 21, 2026Oct 13, 2026
  • Oct 9, 20263.98%▲ from 3.75%
  • Sep 21, 20263.75%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
5 Year Business Share Certificates
$0
3.95% ▲ 0.91% above Tennessee avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.04%▲ 0.91% above avgNationally 2.90%
Details

Balance: $50,000

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Traditional/Roth IRA Certificate - 5 Year
$50,000
3.95% ▲ 0.91% above Tennessee avg
View
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.04%▲ 0.91% above avgNationally 2.90%
Details

Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 13, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
110 Bluff Dr, Fayetteville, TN 37334
Share Certificate - 60 Months Fixed
$1,000
3.91% ▲ 0.87% above Tennessee avg
View
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.04%▲ 0.87% above avgNationally 2.90%
Details

Compounding: dividend rate 3.85%, APY compounding 3.91%

Rate History
2 changes since Sep 14, 2026 · 3.70% → 3.91% ▲ 0.21 pts · high 3.91% / low 3.70%
3.20%3.81%4.41%Sep 14, 2026: 3.70% APYSep 18, 2026: 3.80% APYOct 4, 2026: 3.91% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20263.91%▲ from 3.80%
  • Sep 18, 20263.80%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
110 Bluff Dr, Fayetteville, TN 37334
Traditional and Roth IRA Certificate - 60 Months Fixed
$0
3.91% ▲ 0.87% above Tennessee avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.04%▲ 0.87% above avgNationally 2.90%
Details

Traditional IRAs and Roth IRA Certificates

Rate History
No change since Oct 12, 2026 · 3.91% APY
3.41%3.91%4.41%Oct 12, 2026: 3.91% APYOct 12, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5600 Navy Rd, Millington, TN 38053
5 Year ESA Long-Term Certificate
$100,000
3.90% ▲ 0.86% above Tennessee avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.04%▲ 0.86% above avgNationally 2.90%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
5 Year Business Share Certificates
$0
3.90% ▲ 0.86% above Tennessee avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.04%▲ 0.86% above avgNationally 2.90%
Details

Balance: $1,000

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Traditional/Roth IRA Certificate - 5 Year
$1,000
3.90% ▲ 0.86% above Tennessee avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.04%▲ 0.86% above avgNationally 2.90%
Details

Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 9, 2026: 3.90% APYOct 9, 2026Oct 13, 2026
New South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
3261 N Mall Rd, Knoxville, TN 37924
60 Month Certificate
$0
3.90% ▲ 0.86% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.04%▲ 0.86% above avgNationally 2.90%
Details

Rate History
1 change since Sep 21, 2026 · 3.50% → 3.90% ▲ 0.40 pts · high 3.90% / low 3.50%
3.00%3.70%4.40%Sep 21, 2026: 3.50% APYOct 9, 2026: 3.90% APYSep 21, 2026Oct 13, 2026
  • Oct 9, 20263.90%▲ from 3.50%
  • Sep 21, 20263.50%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5600 Navy Rd, Millington, TN 38053
5 Year ESA Long-Term Certificate
$1,000
3.85% ▲ 0.81% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.04%▲ 0.81% above avgNationally 2.90%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 13, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
110 Bluff Dr, Fayetteville, TN 37334
Share Certificate - 60 Months Fixed
$1,000
3.85% ▲ 0.81% above Tennessee avg
View
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.04%▲ 0.81% above avgNationally 2.90%
Details

Non-Compounding: dividend rate 3.85%, APY non-compounding 3.85%

Rate History
3 changes since Sep 14, 2026 · 3.70% → 3.85% ▲ 0.15 pts · high 3.91% / low 3.70%
3.20%3.81%4.41%Sep 14, 2026: 3.70% APYSep 18, 2026: 3.80% APYOct 4, 2026: 3.91% APYOct 12, 2026: 3.85% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.85%▼ from 3.91%
  • Oct 4, 20263.91%▲ from 3.80%
  • Sep 18, 20263.80%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
110 Bluff Dr, Fayetteville, TN 37334
Member's Choice Share Certificate - 60 Months Fixed
$0
3.80% ▲ 0.76% above Tennessee avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.04%▲ 0.76% above avgNationally 2.90%
Details

Compounding: dividend rate 3.75%, APY compounding 3.80%

Rate History
2 changes since Sep 14, 2026 · 3.60% → 3.80% ▲ 0.20 pts · high 3.80% / low 3.60%
3.10%3.70%4.30%Sep 14, 2026: 3.60% APYSep 18, 2026: 3.70% APYOct 4, 2026: 3.80% APYSep 14, 2026Oct 13, 2026
  • Oct 4, 20263.80%▲ from 3.70%
  • Sep 18, 20263.70%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
1122 N Main St, Shelbyville, TN 37160
60 Month Certificate of Deposit
$0
3.75% ▲ 0.71% above Tennessee avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.04%▲ 0.71% above avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 8, 2026: 3.75% APYOct 8, 2026Oct 13, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
110 Bluff Dr, Fayetteville, TN 37334
Member's Choice Share Certificate - 60 Months Fixed
$0
3.75% ▲ 0.71% above Tennessee avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.04%▲ 0.71% above avgNationally 2.90%
Details

Non-Compounding: dividend rate 3.75%, APY non-compounding 3.75%

Rate History
3 changes since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 pts · high 3.80% / low 3.60%
3.10%3.70%4.30%Sep 14, 2026: 3.60% APYSep 18, 2026: 3.70% APYOct 4, 2026: 3.80% APYOct 12, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 12, 20263.75%▼ from 3.80%
  • Oct 4, 20263.80%▲ from 3.70%
  • Sep 18, 20263.70%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
5034 Bobby Hicks Hwy Ste 2, Gray, TN 37615
60 Month Certificate
$1,000
3.75% ▲ 0.71% above Tennessee avg
View
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average3.04%▲ 0.71% above avgNationally 2.90%
Details

Paid monthly

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.75% ▲ 0.35 pts · high 3.75% / low 3.40%
2.90%3.58%4.25%Sep 14, 2026: 3.40% APYOct 5, 2026: 3.75% APYSep 14, 2026Oct 13, 2026
  • Oct 5, 20263.75%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
1623 Hatcher Ln, Columbia, TN 38401 4826
60 Month Jumbo Certificate
$250,000
3.65% ▲ 0.61% above Tennessee avg
View
▼
Rate3.60%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average3.04%▲ 0.61% above avgNationally 2.90%
Details

Effective 10/9/26 - 10/15/26; Share Savings account required

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 5 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 13, 2026
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
1038 N Main Ave, Erwin, TN 37650
60 Month Share Certificate
$1,000
3.60% ▲ 0.56% above Tennessee avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.04%▲ 0.56% above avgNationally 2.90%
Details

Dividend credited monthly; Early withdrawal penalty: 180 days of dividends

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 13, 2026
First Choice Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
100 N 17th St, Knoxville, TN 37921 6750
60 Month Share Certificate
$1,000
3.56% ▲ 0.52% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average3.04%▲ 0.52% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.56% APY · checked 7 times
3.06%3.56%4.06%Sep 18, 2026: 3.56% APYSep 18, 2026Oct 13, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
580 Franklin Rd, Franklin, TN 37069
5 Year Fixed IRA
$1,000
3.55% ▲ 0.51% above Tennessee avg
View
▼
Rate3.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.04%▲ 0.51% above avgNationally 2.90%
Details

Rate History
No change since Sep 25, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 25, 2026: 3.55% APYSep 25, 2026Oct 13, 2026
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.

Top CD Rates from Tennessee Institutions

Highest verified APYs available today, updated October 13, 2026

B Top 5 Bank Rates
Austin Capital Bank
3 Month CD
A+ 5.0 ★ TX: 2.96%
Min: $1,000
4.58%
SouthEast Bank
12-Month CD Special
A+ 5.0 ★ TX: 0.98%
Min: $1,000
4.35%
Finworth, a division of InsBank
2 Years Certificate
A+ 5.0 ★ TX: 2.15%
Min: $0
4.35%
Sonata Bank
12-month CD
A+ 5.0 ★ TX: 5.18%
Min: $0
4.27%
First National Bank of Pulaski
36 Month Certificate of Deposit
A+ 5.0 ★ TX: 2.25%
Min: $10,000
4.25%
CU Top 5 Credit Union Rates
Hope Federal Credit Union Jackson, MS
60 Month Share Certificates (CDs) - Jumbo
A 5.0 ★ TX: 7.78%
Min: $1,000
4.95%
Y-12 Federal Credit Union
12 Month Business Share Certificates PROMO
A+ 5.0 ★ TX: 3.67%
Min: $50,000
4.75%
Tennessee Valley Federal Credit Union
12 Month Business Share Certificates
A+ 5.0 ★ TX: 3.70%
Min: $1,000
4.50%
ORNL Federal Credit Union
36-Month IRA PROMOTIONAL Certificate
A+ 5.0 ★ TX: 4.18%
Min: $500
4.50%
Navy Federal Credit Union
12 Month Special EasyStart Certificate
A 5.0 ★ TX: 8.14%
Min: $50
4.35%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Tennessee CD Rate Trends

Compare local Tennessee CD rate quotes against the statewide average

Daily CD rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.

View Full Tennessee CD Trends
12-Month CD TN Avg
3.183%
▲ 0.006 vs 7 days ago

Tennessee 12-month CD rates rose 0.006 points over the past 7 days to 3.183% APY.

6-Month CD TN Avg
2.942%
▲ 0.008 vs 7 days ago

Tennessee 6-month CD rates rose 0.008 points over the past 7 days to 2.942% APY.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

TN CD Rate Forecast, Next 12 Months

Where are Tennessee CD rates headed through October 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

TN 12-Month Avg APY
3.183%
6-Month Forecast
3.183%
Range: 2.98%, 3.33%
12-Month Forecast
3.433%
Range: 3.23%, 3.58%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Tennessee average 12-month CD APY in our database.

Spread model: The Tennessee 12-month CD average currently trades 1.19% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

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What Your Savings Earn at TN CD Rates Today

Annual interest earnings at today’s Tennessee average APYs. State average used where available; national average as fallback.

CD Term TN Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 1.930% $96.52 $193.03 $482.58 $965.15
6-Month CD 2.942% $147.10 $294.20 $735.50 $1,471.00
12-Month CD 3.183% $159.15 $318.29 $795.73 $1,591.45
18-Month CD 2.988% $149.38 $298.75 $746.88 $1,493.75
24-Month CD 3.055% $152.74 $305.48 $763.70 $1,527.40
36-Month CD 2.883% $144.13 $288.25 $720.63 $1,441.25
48-Month CD 2.842% $142.11 $284.23 $710.57 $1,421.15
60-Month CD 3.036% $151.82 $303.64 $759.10 $1,518.20
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 13, 2026.
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Sample CD Ladder for Tennessee Savers

$25,000 split equally across 5 terms using today’s Tennessee average rates. As each CD matures, reinvest at the 36-month rung.

Build Your Ladder
Rung Term Deposit TN Avg APY Annual Earnings
1 3-Month CD $5,000 1.930% $96.52
2 6-Month CD $5,000 2.942% $147.10
3 12-Month CD $5,000 3.183% $159.15
4 24-Month CD $5,000 3.055% $152.74
5 36-Month CD $5,000 2.883% $144.13
Total ($25,000 invested) $25,000 2.799% blended $699.64/yr

Ladder example uses equal $5,000 rungs and Tennessee average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

Powered byMonitorBankRates
1,136
CD Rates
Tracked in Tennessee
29 Banks 78 Credit Unions

About Our Tennessee CD Rate Database

MonitorBankRates tracks 1,136 CD rates from 29 banks and 78 credit unions with locations in Tennessee, plus national online institutions available to Tennessee residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: Hope Federal Credit Union Jackson, MS offers a CD at 4.95% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Tennessee.

How to Find the Best CD Rates in Tennessee

What to compare when shopping for a CD in Tennessee

To find the best APYs in Tennessee, start with credit unions and online-only banks: Tennessee has 78 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.

Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.

Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.

When a CD Makes Sense in Tennessee

  • You have a planned expense coming up and want your savings to earn while you wait
  • You expect rates to fall and want to lock in today’s rate
  • You want FDIC or NCUA protection with a guaranteed fixed return
  • You prefer banking with an institution that has a local branch in Tennessee: 107 institutions here report CD rates

Consider an Alternative If…

Tennessee Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
17.1%
National avg: 17.3%
Median Individual Earnings
$42,418
National avg: $47,340
Poverty Rate
13.8%
National avg: 11.1%
Unemployment Rate
4.7%
National avg: 4.8%
CD Earnings on 10% of Salary
$135/yr
At TN 12-mo avg 3.183% APY

17.1% of residents are 65 or older, in line with the national average of 17.3%. At today’s TN 12-month CD average of 3.183%, saving 10% of the local median salary ($4,241/year) and putting it in a CD would earn an additional $135 annually in interest.

Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.

CD Rates vs. Other Savings Options in Tennessee

What to compare when choosing between a CD and other deposit accounts

Feature CD High-Yield Savings Money Market 6-Month CD
Rate Type Fixed APY Variable APY Variable APY Fixed APY
Liquidity Locked for term Anytime Anytime Locked 6 months
Early Withdrawal Penalty (months of interest) None None Penalty (90 to 180 days interest)
FDIC / NCUA Insured Yes (up to $250K) Yes (up to $250K) Yes (up to $250K) Yes (up to $250K)
Check / Debit Access No Usually no Often yes No
Best For Known savings goal, CD ladder Emergency fund, flexible savings Liquid savings with check-writing Slightly higher yield, less urgency

How Certificates of Deposit Work in Tennessee

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Tennessee typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in Tennessee as everywhere in the U.S.

Choosing a CD Term in Tennessee

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Tennessee savers easier access to their funds. For example, Y-12 Federal Credit Union is offering its 6 Month Business Share Certificates PROMO at 4.75% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Hope Federal Credit Union Jackson, MS is offering its 60 Month Share Certificates (CDs) - Jumbo at 4.95% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for Tennessee Savers

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Tennessee saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid in Tennessee

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Tennessee CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates in Tennessee

Most CDs carry a fixed rate that is locked for the entire term, protecting a Tennessee depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.

Frequently Asked Questions about CD Rates in Tennessee

Are CD rates in Tennessee FDIC insured?

Yes, most established banks in Tennessee are insured by the FDIC up to $250,000 per depositor. Credit unions carry equivalent protection through the NCUA.

Do I have to pay state taxes on CD interest in Tennessee?

Yes, interest earned on CDs is generally taxable income at both the federal and state levels. We recommend consulting a local tax professional regarding your specific obligations in Tennessee.

Can I withdraw my money early from a CD?

You can, but most institutions charge an Early Withdrawal Penalty, typically a number of months of interest (e.g., 3 or 6 months). The exact amount varies by institution and CD term.

What is the difference between a Jumbo CD and a regular CD?

Jumbo CDs require a higher minimum deposit, traditionally $100,000 or more. In exchange, banks in Tennessee may offer slightly higher APYs compared to standard CDs.

Are fixed-rate CDs better than variable-rate CDs?

Fixed-rate CDs lock in your APY for the full term, protecting you if rates drop. Variable-rate CDs allow your rate to rise with the market but may start with a lower initial yield.

What is a CD ladder?

A CD ladder involves opening multiple CDs with staggered maturity dates, for example 3-month, 6-month, 1-year, and 2-year. As each matures, you reinvest at the longest term, maximizing yield while maintaining regular access to a portion of your savings.

Best CD rates in Tennessee?

Here are recent top rates found for this area:
  • Hope Federal Credit Union Jackson, MS: 4.95% APY (60 Month Share Certificates (CDs) - Jumbo)
  • Y-12 Federal Credit Union: 4.75% APY (12 Month Business Share Certificates PROMO)
  • Austin Capital Bank: 4.58% APY (3 Month CD)
  • Tennessee Valley Federal Credit Union: 4.50% APY (12 Month Business Share Certificates)
  • ORNL Federal Credit Union: 4.50% APY (36-Month IRA PROMOTIONAL Certificate)
  • Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
  • SouthEast Bank: 4.35% APY (12-Month CD Special)
  • Finworth, a division of InsBank: 4.35% APY (2 Years Certificate)
  • Collegedale Credit Union: 4.33% APY (Term Share Certificates - 6 Months)
  • Holley Credit Union: 4.32% APY (24 Month Share Certificate)
Rates reflect recent verified offers available in Tennessee. Last Updated: October 13, 2026

Tennessee CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Tennessee rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
$0
Ending Balance
$0
Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.

Top Tennessee CD Rates by Term

Verified October 13, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Tennessee. Averages shown use the Tennessee state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Tennessee

Tennessee CD Calculator

At today’s TN top rate of 4.95% APY, a $10,000 deposit earns $495 in the first year. Enter your amount to see your exact return.

Tennessee CD Ladder

TN CD rates currently range from 1.930% (3-month) to 2.883% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Tennessee CD at 4.95% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Tennessee’s average 12-month CD is 3.183% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Tennessee CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Tennessee directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Tennessee. We feature a comprehensive mix of institutions, from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions available to savers in TN.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly, every CD product listed features its own specific “last updated” date for full transparency.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution's official website. Last Updated and Verified: October 13, 2026

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Cities in Tennessee

  • Adams
  • Adamsville
  • Afton
  • Alamo
  • Alcoa
  • Alexandria
  • Algood
  • Allardt
  • Allons
  • Allred
  • Alpine
  • Altamont
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  • Yuma