CD Rates Tennessee (TN) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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.
Current Tennessee CD rates include Nashville Firemens Credit UnionNashville Firemens Credit Union908 Woodland St, Nashville, TN 37206A+5.0 ★Texas Ratio: 5.11%Real return: +1.72%APY minus CPI (February 2026) offering IRA Term Account 12 Months at 4.52% APY, BCBST Employees Credit UnionBCBST Employees Credit Union1 Cameron Hill Cir, Chattanooga, TN 37402A+5.0 ★Texas Ratio: 0.00%Real return: +1.36%APY minus CPI (February 2026) offering 180 Days Share Certificate at 4.16% APY, Firefighters First Federal Credit UnionFirefighters First Federal Credit Union5150 Stage Rd Ste 102, Memphis, TN 38134 3169A+5.0 ★Texas Ratio: 1.58%Real return: +1.30%APY minus CPI (February 2026) offering Dream Home Share Certificate 2 Year Retirement Share Certificate at 4.10% APY, Collegedale Credit UnionCollegedale Credit Union5046 University Drive, Collegedale, TN 37315A5.0 ★Texas Ratio: 9.57%Real return: +1.27%APY minus CPI (February 2026) offering 6 Months Term Share Certificates at 4.07% APY, and Tennessee Valley Federal Credit UnionTennessee Valley Federal Credit Union535 Chestnut St, Chattanooga, TN 37402A+5.0 ★Texas Ratio: 4.06%Real return: +1.20%APY minus CPI (February 2026) offering Share Certificates 12 Months at 4.00% APY. CD rates as of April 27, 2026 according to verified data from MonitorBankRates.
We compared 477 CD rates from 71 banks and credit unions available in Tennessee to help you find the best bank CD rates and credit union CD rates across all terms.
Use the tables below to compare CD rates across all terms in Tennessee side-by-side. Tennessee CD rates currently reach as high as 4.52% APY from Nashville Firemens Credit Union at 908 Woodland St, Nashville, TN 37206. Rates are continually updated — 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: April 27, 2026
Compare Best CD Rates in Tennessee
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
1038 N Main Ave, Erwin, TN 37650
3 Month Share Certificate IRA
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 27, 2026
Details
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
488 MAJORS BLVD, LYNCHBURG, TN 37352
Share Certificate Account 3 Months
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 27, 2026
Details
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1122 N Main St, Shelbyville, TN 37160
3 Month Certificates of Deposit (Regular & IRAs)
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
2711 Old Lebanon Pike, Nashville, TN 37214
3 Month Share Certificate
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN 37210
3 Month Certificate Jumbo Certificate
$50,000
3.00%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 27, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
1701 21st Ave s, Nashville, TN 37212 3703
3-Month Certificate
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 27, 2026
Details
$500 to $24,999
Volunteer State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
9000 Carothers Pkwy, Franklin, TN 37067
3 Month CD
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
775 Ridge Lake Blvd, Memphis, TN 38120
1 - 3 Month CD
$0
1.76%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Collegedale Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
5046 University Drive, Collegedale, TN 37315
3 Months Term Share Certificates
$0
1.06%
▼
Rate1.05%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
U T
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2100 White Ave, Knoxville, TN 37916 2216
3 Months Certificate
$10,000
0.45%
▼
Rate0.45%
Min Deposit$10,000
Min Balance—
UpdatedApr 27, 2026
Details
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
10 Rachel Dr, Nashville, TN 37214
Share Certificates 3 Months
$2,000
0.10%
▼
Rate0.10%
Min Deposit$2,000
Min Balance—
UpdatedApr 27, 2026
Details
Penalty for early withdrawal may apply. No additional deposits allowed until end of term.
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
1500 McCallie Ave, Chattanooga, TN 37404 2937
3-Month CD
$0
0.10%
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
230 4th Ave N, Nashville, TN 37219
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 27, 2026
Details
Early withdrawal penalties may apply
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 Cameron Hill Cir, Chattanooga, TN 37402
180 Days Share Certificate
$1,000
4.16%
▼
Rate4.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 27, 2026
Details
Collegedale Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
5046 University Drive, Collegedale, TN 37315
6 Months Term Share Certificates
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
SouthEast Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.66%
285 Front St, Spring City, TN 37381
6-Month CD Special
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 27, 2026
Details
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
50 Fed Ex Pkwy, Collierville, TN 38017 8711
Share Certificate* 6 months
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Dividends Paid at Maturity
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
1500 McCallie Ave, Chattanooga, TN 37404 2937
6-Month CD
$0
3.95%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN 37402
Business Share Certificates 6 Months
$1,000
3.90%
▼
Rate3.86%
Min Deposit$1,000
Min Balance—
UpdatedApr 27, 2026
Details
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN 37415 6911
6 Month CD
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
As High As
FirstBank (TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
71 S Mechanic St, Lynchburg, TN 37352
6 Month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Financial Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
1715 Aaron Brenner Dr, Memphis, TN 38120
6 Month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Minimum opening balance of $1,000 required for 3.80% APY for 6 month CD. 6 month rates effective March 25, 2026. Early withdrawal penalty will apply. Rate and offer subject to change without notice. Fees could reduce earnings on account.
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
775 Ridge Lake Blvd, Memphis, TN 38120
6 Month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1316 Wilson Rd, Knoxville, TN 37912
6 Months Certificate Accounts/Business Certificate Accounts
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
6 Month Share Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Bowater Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN 37309
6-month Term Share Account (TSA)
$0
3.63%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
1038 N Main Ave, Erwin, TN 37650
6 Month Share Certificate IRA
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 27, 2026
Details
Johnsonville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
209 HIGHWAY 641 N, CAMDEN, TN 38320
6 Month Certificate
$1,000
3.58%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedApr 27, 2026
Details
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
488 MAJORS BLVD, LYNCHBURG, TN 37352
Share Certificate Account 6 Months
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 27, 2026
Details
Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
1401 W Main St, Lebanon, TN 37087
6 Month Share Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
203 Broyles Dr, Johnson City, TN 37601
6-month CD
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 27, 2026
Details
New Money Only
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
1701 21st Ave s, Nashville, TN 37212 3703
6-Month Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 27, 2026
Details
$500 to $24,999
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
198 Blair Bend Dr, Loudon, TN 37774
6 Month Certificates
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 27, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN 37210
6 Month Certificate (quarterly dividends) Jumbo Certificate
$50,000
3.43%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 27, 2026
Details
Heritage South Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
763 N Main St, Shelbyville, TN 37160 2846
6 Month Certificate
$0
3.43%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
2711 Old Lebanon Pike, Nashville, TN 37214
6 Month Share Certificate
$0
3.34%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Holley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
1107 Mineral Wells Ave, Paris, TN 38242 4903
Share Certificates 6 months
$1,000
3.34%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 27, 2026
Details
City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
1720 WESTERN AVE, KNOXVILLE, TN 37921
6 Months Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1122 N Main St, Shelbyville, TN 37160
6 Month Certificates of Deposit (Regular & IRAs)
$0
3.17%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN 37334
Share Certificate 6 Months Fixed
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3155 Millbranch Rd, Memphis, TN 38116 1917
6 Month Share Certificates (CDs)
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN 37643
6 Month Certificate Account with Rewards
$0
2.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Elizabethton FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
112 N Sycamore St, Elizabethton, TN 37643
6 Month CD
$2,500
2.94%
▼
Rate2.90%
Min Deposit$2,500
Min Balance—
UpdatedApr 27, 2026
Details
Horizon Credit Union Kingsport, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
130 Main St W, Mt Carmel, TN 37645
Certificate-6 Months
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Minimum Deposit - $500.00***
Volunteer State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
9000 Carothers Pkwy, Franklin, TN 37067
6 Month CD
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Homeland Community Bank
Institution Rating:
C+4.2 ★Texas Ratio: 24.87%
900 N Chancery St, Mcminnville, TN 37110
6 Month CD
$500
2.77%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 27, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN 37027
6 Month Certificate
$0
2.73%
▼
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3120 Broad St, Chattanooga, TN 37408 3095
6 Month Certificate
$2,500
2.50%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 27, 2026
Details
UPS Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
1814 E Brooks Rd, Memphis, TN 38116
6 Months Share CDs and IRA CDs
$0
2.50%
▼
Rate2.48%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Shelby County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
160 N Main St Ste 401, Memphis, TN 38103 1866
6 Month Share Certificate Account
$1,000
2.00%
▼
Rate2.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 27, 2026
Details
Parthenon Federal Credit Union
Institution Rating:
D3.1 ★Texas Ratio: 38.44%
2290 Rosa L Parks Blvd, Nashville, TN 37228 1306
6 Months Certificate of Deposit
$500
1.75%
▼
Rate1.75%
Min Deposit$500
Min Balance—
UpdatedApr 27, 2026
Details
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
3601 Paul R Lowry Rd, Memphis, TN 38109 3007
6 Months Share Certificates/CDs
$0
1.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3634 E Andrew Johnson Hwy, Greeneville, TN 37745
6 Month Term Certificate Accounts / IRA Certificates
$0
1.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
10 Rachel Dr, Nashville, TN 37214
Share Certificates 6 Months
$2,000
0.65%
▼
Rate0.65%
Min Deposit$2,000
Min Balance—
UpdatedApr 27, 2026
Details
Penalty for early withdrawal may apply. No additional deposits allowed until end of term.
U T
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2100 White Ave, Knoxville, TN 37916 2216
6 Months Certificate
$10,000
0.60%
▼
Rate0.60%
Min Deposit$10,000
Min Balance—
UpdatedApr 27, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN 37064 5313
DreamBuilder 6 Month Certificate
$100
0.50%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 27, 2026
Details
Foothills Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
956 Mulberry St, Loudon, TN 37774
6 Month Share Certificate
$1,000
0.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 27, 2026
Details
Kennedy VA Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
1030 Jefferson Ave, Memphis, TN 38104
6 Month Term Account
$0
0.07%
▼
Rate0.07%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
230 4th Ave N, Nashville, TN 37219
6 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 27, 2026
Details
Early withdrawal penalties may apply
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
10118 Parkside Dr, Knoxville, TN 37922
6-month automatic saver CD
$0
0.01%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
908 Woodland St, Nashville, TN 37206
IRA Term Account 12 Months
$0
4.52%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
50 Fed Ex Pkwy, Collierville, TN 38017 8711
Share Certificate* 12 months
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Dividends Paid at Maturity
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN 37402
Share Certificates 12 Months
$1,000
4.00%
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
UpdatedApr 27, 2026
Details
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 Cameron Hill Cir, Chattanooga, TN 37402
12 Months Share Certificate
$1,000
4.00%
▼
Rate3.95%
Min Deposit$1,000
Min Balance—
UpdatedApr 27, 2026
Details
ORNL
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
1117 N Charles G Seivers Blvd, Clinton, TN 37716 3943
12-Month IRA PROMOTIONAL Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedApr 27, 2026
Details
($500 minimum deposit required)
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Dream Home Share Certificate 1 Year Retirement Share Certificate
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
$10,000 - $49,999.99
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN 37210
12 Month Special Regular Certificate
$5,000
3.91%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 27, 2026
Details
minimum $5,000 New Money/maximum $250,000
Sonata Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
5005 Maryland Way, Brentwood, TN 37027
12-Month CD
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Earn a competitive 3.90% APY* on our special 12-month Certificate of Deposit.
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN 37415 6911
12-Month Share Certificate
$500
3.85%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 27, 2026
Details
Financial Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
1715 Aaron Brenner Dr, Memphis, TN 38120
12 Month CD
$0
3.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Minimum opening balance of $1,000 required for 3.85% APY for 12 month CD. 12 month rates effective April 1, 2026. Early withdrawal penalty will apply. Rate and offer subject to change without notice. Fees could reduce earnings on account.
SouthEast Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.66%
285 Front St, Spring City, TN 37381
12-Month CD Special
$1,000
3.85%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 27, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN 37343
Certificates 1 Year
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1316 Wilson Rd, Knoxville, TN 37912
12 Months Certificate Accounts/Business Certificate Accounts
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
1401 W Main St, Lebanon, TN 37087
12 Month Share Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
1500 McCallie Ave, Chattanooga, TN 37404 2937
1-Year CD
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
1623 Hatcher Ln, Columbia, TN 38401 4826
Roth IRA Certificates 12 Months
$500
3.70%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedApr 27, 2026
Details
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
1038 N Main Ave, Erwin, TN 37650
12 Month Share Certificate IRA
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 27, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
1701 21st Ave s, Nashville, TN 37212 3703
12-Month Certificate
$500
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 27, 2026
Details
$500 to $24,999
City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
1720 WESTERN AVE, KNOXVILLE, TN 37921
12 Months Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
488 MAJORS BLVD, LYNCHBURG, TN 37352
Share Certificate Account 12 Months
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 27, 2026
Details
Bowater Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN 37309
12-month TSA/IRA
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Holley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
1107 Mineral Wells Ave, Paris, TN 38242 4903
Share Certificates 12 months
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 27, 2026
Details
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
1616 Whitten Rd, Memphis, TN 38134
12 Months Certificate
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
201 Battlecreek Rd, South Pittsburg, TN 37380
12 Month Certificate of Deposit
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
UPS Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
1814 E Brooks Rd, Memphis, TN 38116
12 Months Share CDs and IRA CDs
$0
3.50%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
520 Airpark Dr, Tullahoma, TN 37388
12 Month IRA Variable
$5
3.50%
▼
Rate3.45%
Min Deposit$5
Min Balance—
UpdatedApr 27, 2026
Details
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
198 Blair Bend Dr, Loudon, TN 37774
12 Month Certificates
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 27, 2026
Details
Johnsonville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
209 HIGHWAY 641 N, CAMDEN, TN 38320
12 Month Certificate
$1,000
3.45%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 27, 2026
Details
Heritage South Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
763 N Main St, Shelbyville, TN 37160 2846
12 Month Certificate
$0
3.44%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
9525 Apison Pike, Collegedale, TN 37315
IRA Certificate Term 12-Month Fixed
$100,000
3.40%
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedApr 27, 2026
Details
$100,000 Minimum to Earn APY
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
3601 Paul R Lowry Rd, Memphis, TN 38109 3007
12 Months Share Certificates/CDs
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
2711 Old Lebanon Pike, Nashville, TN 37214
Child Super Saver (12 Months) Share Certificate
$0
3.39%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Elizabethton FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
112 N Sycamore St, Elizabethton, TN 37643
12 Month CD
$500
3.36%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 27, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
775 Ridge Lake Blvd, Memphis, TN 38120
1 Year CD
$0
3.29%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN 37643
12 Month Certificate Account with Rewards
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Tennessee State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
2210 Parkway, Pigeon Forge, TN 37863
12 Month CD
$1,000
3.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 27, 2026
Details
Veritas Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.95%
1 Nissan Way, Franklin, TN 37067
ROTH IRA 12 Months
$0
3.24%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3155 Millbranch Rd, Memphis, TN 38116 1917
IRA Certificates 12 Months
$0
3.15%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN 37334
Share Certificate 12 Months Fixed
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1122 N Main St, Shelbyville, TN 37160
12 Month Certificates of Deposit (Regular & IRAs)
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3120 Broad St, Chattanooga, TN 37408 3095
12 Month Certificate
$2,500
3.00%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 27, 2026
Details
Homeland Community Bank
Institution Rating:
C+4.2 ★Texas Ratio: 24.87%
900 N Chancery St, Mcminnville, TN 37110
12 Month CD**
$500
2.95%
▼
Rate2.95%
Min Deposit$500
Min Balance—
UpdatedApr 27, 2026
Details
Volunteer State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
9000 Carothers Pkwy, Franklin, TN 37067
12 Month CD
$0
2.63%
▼
Rate2.60%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN 37027
12 Month Certificate
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Parthenon Federal Credit Union
Institution Rating:
D3.1 ★Texas Ratio: 38.44%
2290 Rosa L Parks Blvd, Nashville, TN 37228 1306
12 Months Certificate of Deposit
$500
2.25%
▼
Rate2.25%
Min Deposit$500
Min Balance—
UpdatedApr 27, 2026
Details
Gateway Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 22.88%
100 Otis Smith Dr, Clarksville, TN 37043 8939
12 Month IRA
$1
2.25%
▼
Rate2.25%
Min Deposit$1
Min Balance—
UpdatedApr 27, 2026
Details
Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3634 E Andrew Johnson Hwy, Greeneville, TN 37745
12 Month Term Certificate Accounts / IRA Certificates
$0
2.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Collegedale Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
5046 University Drive, Collegedale, TN 37315
12 Months Term Share Certificates
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
10 Rachel Dr, Nashville, TN 37214
Share Certificates 12 Months
$2,000
2.00%
▼
Rate2.00%
Min Deposit$2,000
Min Balance—
UpdatedApr 27, 2026
Details
Penalty for early withdrawal may apply. No additional deposits allowed until end of term.
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
4424 Lebanon Pike, Hermitage, TN 37076
12 Months Certificate of Deposit (CDs)
$500
2.00%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 27, 2026
Details
Open Account: $500.00; Obtain APY: $500.00
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
908 Woodland St, Nashville, TN 37206
IRA Term Account 18 Months
$0
4.24%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN 37402
Share Certificates 18 Months
$1,000
4.00%
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
UpdatedApr 27, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
$100,000 and over
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 Cameron Hill Cir, Chattanooga, TN 37402
18 Months Share Certificate
$1,000
3.90%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 27, 2026
Details
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN 37415 6911
18-Month Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 27, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1316 Wilson Rd, Knoxville, TN 37912
18 Months Certificate Accounts/Business Certificate Accounts
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
9525 Apison Pike, Collegedale, TN 37315
IRA Certificate Term 18-Month Variable
$100,000
3.69%
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedApr 27, 2026
Details
$100,000 Minimum to Earn APY
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
1038 N Main Ave, Erwin, TN 37650
18 Month Share Certificate IRA
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 27, 2026
Details
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
201 Battlecreek Rd, South Pittsburg, TN 37380
18 Month Certificate of Deposit
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
1720 WESTERN AVE, KNOXVILLE, TN 37921
18 Months Certificate
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN 37210
18 Month Retention Special Regular Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Maturing certificates only
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN 37643
18 Month Certificate Account with Rewards
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
488 MAJORS BLVD, LYNCHBURG, TN 37352
Share Certificate Account 18 Months
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 27, 2026
Details
Veritas Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.95%
1 Nissan Way, Franklin, TN 37067
IRA 18 Months
$0
3.29%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
775 Ridge Lake Blvd, Memphis, TN 38120
18 Month IRA Fixed
$0
3.29%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
2711 Old Lebanon Pike, Nashville, TN 37214
18 Month Share Certificate
$0
3.19%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Tennessee State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
2210 Parkway, Pigeon Forge, TN 37863
Traditional IRA 18 Month CD
$100
3.18%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 27, 2026
Details
Johnsonville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
209 HIGHWAY 641 N, CAMDEN, TN 38320
18 Month Certificate
$1,000
3.10%
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 27, 2026
Details
Bowater Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN 37309
18-month TSA/IRA
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Elizabethton FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
112 N Sycamore St, Elizabethton, TN 37643
18 Month CD
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 27, 2026
Details
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3120 Broad St, Chattanooga, TN 37408 3095
18 Month Certificate
$2,500
3.00%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 27, 2026
Details
UPS Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
1814 E Brooks Rd, Memphis, TN 38116
18 Months Share CDs and IRA CDs
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
198 Blair Bend Dr, Loudon, TN 37774
18 Month Certificates
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 27, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
1701 21st Ave s, Nashville, TN 37212 3703
18-Month Certificate
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 27, 2026
Details
$500 to $24,999
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN 37334
Share Certificate 18 Months Fixed
$0
2.98%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Homeland Community Bank
Institution Rating:
C+4.2 ★Texas Ratio: 24.87%
900 N Chancery St, Mcminnville, TN 37110
18 Month CD
$500
2.86%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedApr 27, 2026
Details
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1122 N Main St, Shelbyville, TN 37160
18 Month Certificates of Deposit (Regular & IRAs)
$0
2.85%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3634 E Andrew Johnson Hwy, Greeneville, TN 37745
18 Month Term Certificate Accounts / IRA Certificates
$0
2.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
1401 W Main St, Lebanon, TN 37087
18 Month Share Certificate
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Volunteer State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
9000 Carothers Pkwy, Franklin, TN 37067
*18 Month Variable IRA
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN 37027
18 Month Certificate
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Parthenon Federal Credit Union
Institution Rating:
D3.1 ★Texas Ratio: 38.44%
2290 Rosa L Parks Blvd, Nashville, TN 37228 1306
18 Months Certificate of Deposit
$500
2.50%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 27, 2026
Details
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
1451 Madison Ave, Memphis, TN 38104
IRA 18-Month Certificate
$0
2.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Gateway Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 22.88%
100 Otis Smith Dr, Clarksville, TN 37043 8939
18 Month IRA
$1
2.30%
▼
Rate2.30%
Min Deposit$1
Min Balance—
UpdatedApr 27, 2026
Details
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
10 Rachel Dr, Nashville, TN 37214
Share Certificates 18 Months
$2,000
2.05%
▼
Rate2.05%
Min Deposit$2,000
Min Balance—
UpdatedApr 27, 2026
Details
Penalty for early withdrawal may apply. No additional deposits allowed until end of term.
Horizon Credit Union Kingsport, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
130 Main St W, Mt Carmel, TN 37645
Certificate - 18 Months
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Minimum Deposit - $1,000*
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
4424 Lebanon Pike, Hermitage, TN 37076
18 Months Certificate of Deposit (CDs)
$500
2.00%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 27, 2026
Details
Open Account: $500.00; Obtain APY: $500.00
U T
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2100 White Ave, Knoxville, TN 37916 2216
18 Month Educational IRA
$0
1.55%
▼
Rate1.54%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
$100 min. & $2,000 max.
FAMILY ADVANTAGE
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
100 Stephen P Yokich Pkwy, Spring Hill, TN 37174 3140
IRA - 18 Months
$0
0.39%
▼
Rate0.39%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Kennedy VA Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
1030 Jefferson Ave, Memphis, TN 38104
18 Month IRA
$0
0.05%
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
$100,000 and over
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
1500 McCallie Ave, Chattanooga, TN 37404 2937
2 1/2-Year CD
$0
3.95%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 Cameron Hill Cir, Chattanooga, TN 37402
24 Months Share Certificate
$1,000
3.90%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 27, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
2021 Meadowview Ln, Kingsport, TN 37660
Investment Certificate 1 to 2 Years Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Early Withdrawal Penalty: 90 Days' Dividends
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN 37402
Share Certificates 24 Months
$1,000
3.75%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 27, 2026
Details
Holley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
1107 Mineral Wells Ave, Paris, TN 38242 4903
Share Certificates 24 months
$1,000
3.75%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 27, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1316 Wilson Rd, Knoxville, TN 37912
24 Months Certificate Accounts/Business Certificate Accounts
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
1038 N Main Ave, Erwin, TN 37650
24 Month Share Certificate IRA
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 27, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN 37643
24 Month Certificate Account with Rewards
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN 37415 6911
24-Month Share Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 27, 2026
Details
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
50 Fed Ex Pkwy, Collierville, TN 38017 8711
Share Certificate* 24 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
9525 Apison Pike, Collegedale, TN 37315
IRA Certificate Term 24-Month Fixed
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 27, 2026
Details
$100,000 Minimum to Earn APY
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN 37210
24 Month Certificate (quarterly dividends) Jumbo Certificate
$50,000
3.40%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 27, 2026
Details
City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
1720 WESTERN AVE, KNOXVILLE, TN 37921
24 Months Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
488 MAJORS BLVD, LYNCHBURG, TN 37352
Share Certificate Account 24 Months
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 27, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
775 Ridge Lake Blvd, Memphis, TN 38120
2 Year CD
$0
3.29%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
908 Woodland St, Nashville, TN 37206
IRA Term Account 2 Years
$0
3.12%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN 37334
Share Certificate 24 Months Fixed
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
1616 Whitten Rd, Memphis, TN 38134
24 Months Certificate
$0
3.05%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Elizabethton FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
112 N Sycamore St, Elizabethton, TN 37643
24 Month CD
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 27, 2026
Details
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
2711 Old Lebanon Pike, Nashville, TN 37214
24 Month Share Certificate
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Johnsonville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
209 HIGHWAY 641 N, CAMDEN, TN 38320
24 Month Certificate
$1,000
3.00%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 27, 2026
Details
UPS Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
1814 E Brooks Rd, Memphis, TN 38116
24 Months Share CDs and IRA CDs
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
1235 E Weisgarber Rd, Knoxville, TN 37909 2646
24-Mo Trad/Roth IRA CD (Fixed)
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 27, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
1701 21st Ave s, Nashville, TN 37212 3703
24-Month Certificate
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 27, 2026
Details
$500 to $24,999
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
198 Blair Bend Dr, Loudon, TN 37774
24 Month Certificates
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 27, 2026
Details
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3120 Broad St, Chattanooga, TN 37408 3095
24 Month Certificate
$2,500
3.00%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 27, 2026
Details
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
201 Battlecreek Rd, South Pittsburg, TN 37380
24 Month Certificate of Deposit
$0
2.90%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Homeland Community Bank
Institution Rating:
C+4.2 ★Texas Ratio: 24.87%
900 N Chancery St, Mcminnville, TN 37110
24 Month CD
$500
2.85%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedApr 27, 2026
Details
Bowater Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN 37309
24-month TSA/IRA
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Parthenon Federal Credit Union
Institution Rating:
D3.1 ★Texas Ratio: 38.44%
2290 Rosa L Parks Blvd, Nashville, TN 37228 1306
24 Months Certificate of Deposit
$500
2.75%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 27, 2026
Details
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1122 N Main St, Shelbyville, TN 37160
24 Month Certificates of Deposit (Regular & IRAs)
$0
2.75%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
1401 W Main St, Lebanon, TN 37087
24 Month Share Certificate
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Gateway Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 22.88%
100 Otis Smith Dr, Clarksville, TN 37043 8939
24 Month IRA
$1
2.50%
▼
Rate2.50%
Min Deposit$1
Min Balance—
UpdatedApr 27, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN 37027
24 Month Certificate
$0
2.47%
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Volunteer State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
9000 Carothers Pkwy, Franklin, TN 37067
2 Year CD
$0
2.42%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3155 Millbranch Rd, Memphis, TN 38116 1917
24 Month Share Certificates (CDs)
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
10 Rachel Dr, Nashville, TN 37214
Share Certificates 24 Months
$2,000
2.10%
▼
Rate2.10%
Min Deposit$2,000
Min Balance—
UpdatedApr 27, 2026
Details
Penalty for early withdrawal may apply. No additional deposits allowed until end of term.
U T
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2100 White Ave, Knoxville, TN 37916 2216
24 Months Certificate
$10,000
1.60%
▼
Rate1.59%
Min Deposit$10,000
Min Balance—
UpdatedApr 27, 2026
Details
Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3634 E Andrew Johnson Hwy, Greeneville, TN 37745
24 Month Term Certificate Accounts / IRA Certificates
$0
1.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
FAMILY ADVANTAGE
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
100 Stephen P Yokich Pkwy, Spring Hill, TN 37174 3140
IRA - 24 Months
$0
0.70%
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
3 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
ORNL
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
1117 N Charles G Seivers Blvd, Clinton, TN 37716 3943
36-Month IRA PROMOTIONAL Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedApr 27, 2026
Details
($500 minimum deposit required)
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
2021 Meadowview Ln, Kingsport, TN 37660
Investment Certificate 2 to 3 Years Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
1038 N Main Ave, Erwin, TN 37650
36 Month Share Certificate IRA
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 27, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN 37643
36 Month Certificate Account
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
9525 Apison Pike, Collegedale, TN 37315
IRA Certificate Term 36-Month Variable
$100,000
3.58%
▼
Rate3.52%
Min Deposit$100,000
Min Balance—
UpdatedApr 27, 2026
Details
$100,000 Minimum to Earn APY
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1316 Wilson Rd, Knoxville, TN 37912
36 Months Certificate Accounts/Business Certificate Accounts
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Veritas Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.95%
1 Nissan Way, Franklin, TN 37067
IRA 36 Months
$0
3.34%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN 37210
36 Month Certificate Jumbo Certificate
$50,000
3.30%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 27, 2026
Details
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
488 MAJORS BLVD, LYNCHBURG, TN 37352
Share Certificate Account 36 Months
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 27, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
1623 Hatcher Ln, Columbia, TN 38401 4826
Roth IRA Certificates 36 Months
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 27, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
775 Ridge Lake Blvd, Memphis, TN 38120
3 Year CD
$0
3.29%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
50 Fed Ex Pkwy, Collierville, TN 38017 8711
Share Certificate* 36 months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN 37415 6911
36-Month Share Certificate
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 27, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN 37334
Member's Choice Share Certificate 36 Months Fixed
$0
3.19%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
201 Battlecreek Rd, South Pittsburg, TN 37380
36 Month Certificate of Deposit
$0
3.10%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
2711 Old Lebanon Pike, Nashville, TN 37214
36 Month Share Certificate
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
4503 Hixson Pike, Hixson, TN 37343
Certificates 36 Months
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
908 Woodland St, Nashville, TN 37206
IRA Term Account 3 Years
$0
3.02%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
1500 McCallie Ave, Chattanooga, TN 37404 2937
3-Year CD
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Parthenon Federal Credit Union
Institution Rating:
D3.1 ★Texas Ratio: 38.44%
2290 Rosa L Parks Blvd, Nashville, TN 37228 1306
3 Years Certificate of Deposit
$500
3.00%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 27, 2026
Details
Homeland Community Bank
Institution Rating:
C+4.2 ★Texas Ratio: 24.87%
900 N Chancery St, Mcminnville, TN 37110
36 Month CD
$500
2.80%
▼
Rate2.80%
Min Deposit$500
Min Balance—
UpdatedApr 27, 2026
Details
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
198 Blair Bend Dr, Loudon, TN 37774
36 Month Certificates
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 27, 2026
Details
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3120 Broad St, Chattanooga, TN 37408 3095
36 Month Certificate
$2,500
2.75%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 27, 2026
Details
Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
1401 W Main St, Lebanon, TN 37087
36 Month Share Certificate
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Gateway Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 22.88%
100 Otis Smith Dr, Clarksville, TN 37043 8939
36 Month IRA
$1
2.50%
▼
Rate2.50%
Min Deposit$1
Min Balance—
UpdatedApr 27, 2026
Details
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1122 N Main St, Shelbyville, TN 37160
36 Month Certificates of Deposit (Regular & IRAs)
$0
2.50%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Horizon Credit Union Kingsport, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
130 Main St W, Mt Carmel, TN 37645
Certificate-36 Months
$0
2.47%
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Minimum Deposit - $100,000**
Volunteer State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
9000 Carothers Pkwy, Franklin, TN 37067
3 Year CD
$0
2.37%
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN 37027
36 Month Certificate
$0
2.32%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
1616 Whitten Rd, Memphis, TN 38134
36 Months* Certificate
$0
2.30%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3155 Millbranch Rd, Memphis, TN 38116 1917
36 Month Share Certificates (CDs)
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
1701 21st Ave s, Nashville, TN 37212 3703
36-Month Certificate
$500
2.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 27, 2026
Details
$500 to $24,999
U T
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2100 White Ave, Knoxville, TN 37916 2216
36 Months Certificate
$10,000
1.70%
▼
Rate1.69%
Min Deposit$10,000
Min Balance—
UpdatedApr 27, 2026
Details
Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3634 E Andrew Johnson Hwy, Greeneville, TN 37745
36 Month Term Certificate Accounts / IRA Certificates
$0
1.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
2021 Meadowview Ln, Kingsport, TN 37660
Investment Certificate 3 to 4 Years Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN 37643
48 Month Certificate Account
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
1038 N Main Ave, Erwin, TN 37650
48 Month Share Certificate IRA
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 27, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1316 Wilson Rd, Knoxville, TN 37912
48 Months Certificate Accounts/Business Certificate Accounts
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
9525 Apison Pike, Collegedale, TN 37315
IRA Certificate Term 48-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 27, 2026
Details
$100,000 Minimum to Earn APY
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN 37210
48 Month Certificate Jumbo Certificate
$50,000
3.40%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 27, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN 37334
Member's Choice Share Certificate 48 Months Fixed
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
2711 Old Lebanon Pike, Nashville, TN 37214
48 Month Share Certificate
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
50 Fed Ex Pkwy, Collierville, TN 38017 8711
Share Certificate* 48 months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Parthenon Federal Credit Union
Institution Rating:
D3.1 ★Texas Ratio: 38.44%
2290 Rosa L Parks Blvd, Nashville, TN 37228 1306
4 Years Certificate of Deposit
$500
3.00%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 27, 2026
Details
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
908 Woodland St, Nashville, TN 37206
IRA Term Account 4 Years
$0
2.93%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3120 Broad St, Chattanooga, TN 37408 3095
48 Month Certificate
$2,500
2.75%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 27, 2026
Details
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
198 Blair Bend Dr, Loudon, TN 37774
48 Month Certificates
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 27, 2026
Details
Homeland Community Bank
Institution Rating:
C+4.2 ★Texas Ratio: 24.87%
900 N Chancery St, Mcminnville, TN 37110
48 Month CD
$500
2.75%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 27, 2026
Details
Horizon Credit Union Kingsport, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
130 Main St W, Mt Carmel, TN 37645
Certificate-48 Months
$0
2.68%
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Minimum Deposit - $100,000**
Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
1401 W Main St, Lebanon, TN 37087
48 Month Share Certificate
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1122 N Main St, Shelbyville, TN 37160
48 Month Certificates of Deposit (Regular & IRAs)
$0
2.50%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Volunteer State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
9000 Carothers Pkwy, Franklin, TN 37067
4 Year CD
$0
2.42%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN 37027
48 Month Certificate
$0
2.32%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
1616 Whitten Rd, Memphis, TN 38134
48 Months Certificate
$0
2.30%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Elizabethton FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
112 N Sycamore St, Elizabethton, TN 37643
48 Month CD
$500
2.15%
▼
Rate2.12%
Min Deposit$500
Min Balance—
UpdatedApr 27, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
1701 21st Ave s, Nashville, TN 37212 3703
48-Month Certificate
$500
2.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 27, 2026
Details
$500 to $24,999
U T
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2100 White Ave, Knoxville, TN 37916 2216
48 Months Certificate
$10,000
1.75%
▼
Rate1.74%
Min Deposit$10,000
Min Balance—
UpdatedApr 27, 2026
Details
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3155 Millbranch Rd, Memphis, TN 38116 1917
48 Month Share Certificates (CDs)
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3634 E Andrew Johnson Hwy, Greeneville, TN 37745
48 Month Term Certificate Accounts / IRA Certificates
$0
1.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
$100,000 and over
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
2021 Meadowview Ln, Kingsport, TN 37660
Investment Certificate 4 to 5 Years Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN 37643
60 Month Certificate Account
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
1038 N Main Ave, Erwin, TN 37650
60 Month Share Certificate IRA
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 27, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
1623 Hatcher Ln, Columbia, TN 38401 4826
Roth IRA Certificates 60 Months
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 27, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1316 Wilson Rd, Knoxville, TN 37912
60 Months Certificate Accounts/Business Certificate Accounts
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
201 Battlecreek Rd, South Pittsburg, TN 37380
60 Month Certificate of Deposit
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
9525 Apison Pike, Collegedale, TN 37315
IRA Certificate Term 60-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 27, 2026
Details
$100,000 Minimum to Earn APY
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN 37210
5 Year Certificate Jumbo Certificate
$50,000
3.46%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 27, 2026
Details
Heritage South Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
763 N Main St, Shelbyville, TN 37160 2846
60 Month Certificate
$0
3.39%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN 37334
Member's Choice Share Certificate 60 Months Fixed
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
1235 E Weisgarber Rd, Knoxville, TN 37909 2646
60-Mo Trad/Roth IRA CD (Fixed)
$2,500
3.20%
▼
Rate3.15%
Min Deposit$2,500
Min Balance—
UpdatedApr 27, 2026
Details
Horizon Credit Union Kingsport, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
130 Main St W, Mt Carmel, TN 37645
Certificate-60 Months
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Minimum Deposit - $100,000**
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
2711 Old Lebanon Pike, Nashville, TN 37214
60 Month Share Certificate
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Parthenon Federal Credit Union
Institution Rating:
D3.1 ★Texas Ratio: 38.44%
2290 Rosa L Parks Blvd, Nashville, TN 37228 1306
5 Years Certificate of Deposit
$500
3.00%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 27, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN 37402
Business Share Certificates 60 Months
$1,000
3.00%
▼
Rate2.97%
Min Deposit$1,000
Min Balance—
UpdatedApr 27, 2026
Details
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
908 Woodland St, Nashville, TN 37206
IRA Term Account 5 Years
$0
2.98%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
50 Fed Ex Pkwy, Collierville, TN 38017 8711
Share Certificate* 60 months
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
198 Blair Bend Dr, Loudon, TN 37774
60 Month Certificates
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 27, 2026
Details
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3120 Broad St, Chattanooga, TN 37408 3095
60 Month Certificate
$2,500
2.75%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 27, 2026
Details
Homeland Community Bank
Institution Rating:
C+4.2 ★Texas Ratio: 24.87%
900 N Chancery St, Mcminnville, TN 37110
60 Month CD
$500
2.70%
▼
Rate2.70%
Min Deposit$500
Min Balance—
UpdatedApr 27, 2026
Details
Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
1401 W Main St, Lebanon, TN 37087
60 Month Share Certificate
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1122 N Main St, Shelbyville, TN 37160
60 Month Certificates of Deposit (Regular & IRAs)
$0
2.50%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
4424 Lebanon Pike, Hermitage, TN 37076
60 Months Certificate of Deposit (CDs)
$500
2.50%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 27, 2026
Details
Open Account: $500.00; Obtain APY: $500.00
Volunteer State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
9000 Carothers Pkwy, Franklin, TN 37067
5 Year CD
$0
2.47%
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
1451 Madison Ave, Memphis, TN 38104
IRA 60-Month Certificate
$0
2.44%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN 37027
60 Month Certificate
$0
2.32%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
1616 Whitten Rd, Memphis, TN 38134
60 Months Certificate
$0
2.30%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Elizabethton FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
112 N Sycamore St, Elizabethton, TN 37643
60 Month CD
$500
2.15%
▼
Rate2.12%
Min Deposit$500
Min Balance—
UpdatedApr 27, 2026
Details
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3155 Millbranch Rd, Memphis, TN 38116 1917
60 Month Share Certificates (CDs)
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
3634 E Andrew Johnson Hwy, Greeneville, TN 37745
60 Month Term Certificate Accounts / IRA Certificates
$0
1.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
Powered by
MonitorBankRates
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.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
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.
12-Month CD — TN Avg
2.755%
▲ 0.235 vs 7 days ago
Tennessee 12-month CD rates rose 0.235 points over the past 7 days to 2.755% APY.
6-Month CD — TN Avg
2.563%
▲ 0.243 vs 7 days ago
Tennessee 6-month CD rates rose 0.243 points over the past 7 days to 2.563% APY.
As of Apr 27, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
TN CD Rate Forecast — Next 12 Months
Where are Tennessee CD rates headed through April 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
TN 12-Month Avg APY
2.755%
6-Month Forecast
2.755%
Range: 2.56% – 2.91%
12-Month Forecast
2.505%
Range: 2.31% – 2.66%
Powered by
MonitorBankRates
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 | 1.350% | $67.52 | $135.04 | $337.60 | $675.20 |
| 6-Month CD | 2.563% | $128.13 | $256.25 | $640.63 | $1,281.25 |
| 12-Month CD | 2.755% | $137.73 | $275.45 | $688.63 | $1,377.25 |
| 18-Month CD | 2.874% | $143.70 | $287.39 | $718.48 | $1,436.95 |
| 24-Month CD | 2.961% | $148.07 | $296.13 | $740.33 | $1,480.65 |
| 36-Month CD | 3.065% | $153.24 | $306.47 | $766.18 | $1,532.35 |
| 48-Month CD | 2.886% | $144.32 | $288.64 | $721.60 | $1,443.20 |
| 60-Month CD | 3.053% | $152.63 | $305.25 | $763.13 | $1,526.25 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 27, 2026. | |||||
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.
| Rung | Term | Deposit | TN Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.350% | $67.52 |
| 2 | 6-Month CD | $5,000 | 2.563% | $128.13 |
| 3 | 12-Month CD | $5,000 | 2.755% | $137.73 |
| 4 | 24-Month CD | $5,000 | 2.961% | $148.07 |
| 5 | 36-Month CD | $5,000 | 3.065% | $153.24 |
| Total ($25,000 invested) | $25,000 | 2.539% blended | $634.69/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.
477
CD Rates
Tracked in Tennessee
Tracked in Tennessee
18 Banks
46 Credit Unions
About Our Tennessee CD Rate Database
MonitorBankRates tracks 477 CD rates from 18 banks and 46 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 (1–5), 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: Nashville Firemens Credit Union offers a CD at 4.52% APY with a minimum deposit of $0. 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 46 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 — 64 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Tennessee savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Tennessee money market rates
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
$117/yr
At TN 12-mo avg 2.755% 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 2.755%, saving 10% of the local median salary ($4,241/year) and putting it in a CD would earn an additional $117 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 (90–180 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 |
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:
- Nashville Firemens Credit Union: 4.52% APY (IRA Term Account 12 Months)
- BCBST Employees Credit Union: 4.16% APY (180 Days Share Certificate)
- Firefighters First Federal Credit Union: 4.10% APY (Dream Home Share Certificate 2 Year Retirement Share Certificate)
- Collegedale Credit Union: 4.07% APY (6 Months Term Share Certificates)
- SouthEast Bank: 4.00% APY (6-Month CD Special)
- FedEx Employees Credit Association Federal Credit Union: 4.00% APY (Share Certificate* 6 months)
- Tennessee Valley Federal Credit Union: 4.00% APY (Share Certificates 12 Months)
- ORNL: 4.00% APY (12-Month IRA PROMOTIONAL Certificate)
- EPB Employees Credit Union: 3.95% APY (6-Month CD)
- US Community Credit Union: 3.91% APY (12 Month Special Regular Certificate)
Rates reflect recent verified offers available in Tennessee. Last Updated: April 27, 2026
CD Calculators for Tennessee
Tennessee CD Calculator
At today’s TN top rate of 4.52% APY, a $10,000 deposit earns $452 in the first year. Enter your amount to see your exact return.
Tennessee CD LadderTN CD rates currently range from 1.350% (3-month) to 3.065% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Tennessee CD at 4.52% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsTennessee’s average 12-month CD is 2.755% 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
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 pulling data straight 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: April 27, 2026
Cities in Tennessee
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