Tennessee CD Rates Today - Compare Best APYs for July 2026

Rate: 3.59%, APY: 3.65% for $1,000 - $49,999.99; Rate: 3.64%, APY: 3.70% for $50,000 - $99,999.99; Rate: 3.69%, APY: 3.75% for $100,000 and over

Dividend Rate $50,000 - $99,999.99: 3.64%, Annual Percentage Yield $50,000 - $99,999.99: 3.70%, Dividend Rate $100,000 and over: 3.69%, Annual Percentage Yield $100,000 and over: 3.75%

$500 Minimum. Early withdrawal penalty = 90 days dividend, earned or not.

Rates subject to change without notice.

Limited-Time Offer; New money deposits 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 10/29/25 and is subject to change on the Bank's discretion.

$500 to $24,999; $25,000 to $49,999; $50,000 or more

$500 Minimum. One withdrawal with no penalty - all subsequent withdrawals incur a 90 day dividend penalty.

Quarterly dividends

Monthly dividends

Value Plus Certificate

IRA APY*

Special Offers

Compounding

Any certificate account with new money of $10,000.00 may add 0.10% APY to the dividend rate featured above. With an active direct deposit, add 0.25% to current dividend rate. Ask for details.

Balances of $500.00-$99,999.99

$500 to $24,999; $25,000 to $49,999; $50,000 or more

Jumbo IRA: 3.65% APY*

Jumbo IRA: 3.65% APY*

Rates subject to change without notice.

$1,200 Minimum. Early withdrawal penalty = 90 days dividend earned or not.

Quarterly dividends

DR is Dividend Rate. Rates subject to change without notice. Dividends calculated daily, compounded/posted monthly. Fees may affect earnings. Other rates and terms are available. There is a penalty for early withdrawal. Minimum balance to receive advertised rate is $500.

Minimum balance to earn APY: $100,000, $40,000, $100

Monthly dividends

Jumbo Certificate

APY is Annual Percentage Yield. DR is Dividend Rate. Dividends calculated daily, compounded/posted monthly. Rates subject to change without notice. Other rates and terms are available. There is a penalty for early withdrawal.

Dividends calculated daily, compounded/posted monthly. Rates subject without notice. Other rates and terms are available. There is a penalty for early withdrawal.

DR is Dividend Rate. Rates subject to change without notice. Dividends calculated daily, compounded/posted monthly. Fees may affect earnings. Other rates and terms are available. There is a penalty for early withdrawal.

APY is Annual Percentage Yield. DR is Dividend Rate. Rates subject to change without notice. Dividends calculated daily, compounded/posted monthly. Other rates and terms are available. There is a penalty for early withdrawal.

APY is Annual Percentage Yield. DR is Dividend Rate. Rates subject to change without notice. Dividends calculated daily, compounded/posted monthly. Other rates and terms are available. There is a penalty for early withdrawal.

Monthly dividends

$500 to $24,999; $25,000 to $49,999; $50,000 or more

IRA APY*

$1,800 Minimum. Early withdrawal penalty = 90 days dividend earned or not.

Variable Rate

Interest Pays Quarterly

Quarterly dividends

Minimum balance to earn APY: $100,000, $40,000, $100

Quarterly dividends

These are fixed rate certificate, IRA, and HSA requirements.

These are fixed rate certificate, IRA, and HSA requirements.

Early withdrawal penalty 120 days

There is a substantial penalty for failure to comply with certificate requirements. Certificate rates are subject to change without notice. You will be paid this rate until first maturity. These are fixed rate certificate, IRA, and HSA requirements.

Monthly dividends

Balances of $500.00-$99,999.99

Monthly Dividend Compound. Automatic deposits of at least $25.00 per month are required on balances under $25,000.00. Failure to complete required deposits may result in early withdrawal penalties and closure. Additional deposits allowed within the term of the certificate account. No limits required for additional deposits.

$500 to $24,999; $25,000 to $49,999; $50,000 or more

$2,000 Minimum. Early withdrawal penalty = 90 days dividend earned or not.

IRA APY*

Jumbo IRA: 3.56% APY*

Jumbo IRA: 3.56% APY*

These are fixed rate certificate, IRA, and HSA requirements.

These are fixed rate certificate, IRA, and HSA requirements.

Early withdrawal penalty 182 days

There is a substantial penalty for failure to comply with certificate requirements. Certificate rates are subject to change without notice. You will be paid this rate until first maturity. These are fixed rate certificate, IRA, and HSA requirements.