Current Eagan, Tennessee CD rates include Hope Federal Credit Union Jackson, MSHope Federal Credit Union Jackson, MSA5.0 ★Texas Ratio: 6.51%Real return: +1.67%APY minus CPI (February 2026) offering 60 Month Jumbo Share Certificates (CDs) at 4.47% APY, Collegedale Credit UnionCollegedale Credit UnionA+5.0 ★Texas Ratio: 0.21%Real return: +1.53%APY minus CPI (February 2026) offering 6 Month IRA Certificate at 4.33% APY, Austin Capital BankAustin Capital BankA+5.0 ★Texas Ratio: 2.96%Real return: +1.52%APY minus CPI (February 2026) offering 3 Month CD at 4.32% APY, US Community Credit UnionUS Community Credit UnionA+5.0 ★Texas Ratio: 3.85%Real return: +1.48%APY minus CPI (February 2026) offering IRA 5 Year Certificate at 4.28% APY, and Chattanooga Federal Employees Credit UnionChattanooga Federal Employees Credit UnionA+5.0 ★Texas Ratio: 3.20%Real return: +1.47%APY minus CPI (February 2026) offering 12 Month Certificate at 4.27% APY. CD rates as of September 22, 2026 according to verified data from MonitorBankRates.
Eagan is a smaller community with no bank or credit union branches currently in our database. 723 institutions serving the Tennessee area are available to Eagan residents, with CD rates as high as 4.47% APY from Hope Federal Credit Union Jackson, MS. 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: September 22, 2026
UP to $99,999.99
Compound frequency at maturity. Penalty equal to 90 days of dividends.
Term: 3 months through 5 months; Balances of $500.00-$99,999.99
Balance: $1,000-$74,999
quarterly dividends
Dividends Paid: Monthly
Dividends Credited: Monthly
quarterly dividends
MINOR: $500.00
Term: 3 months (90 to 179 days)
Monthly Interest / Monthly Check - Posted rate less .20% APY. Additional deposits are permitted to share certificates up to 10 days after open/renewal date.
Interest Credited Monthly; Penalty: 2 MO
Balance: $100 to $999.99; Once the Build-IT CD has reached a balance greater than $999.99, it will be rolled into a regular CD of the same term. Penalties for early withdrawals may apply. Rates are subject to change without notice, please see for complete details. Federally insured by NCUA.
Balance: $50,000.00+
Balance: $10,000 - $49,999
Balance: $500.00 - $999.99
Balance: $50,000 and over
Balance: $500 - $49,999.99
Loss of dividend penalty for early withdrawal.
Penalty for early withdrawal may apply. No additional deposits allowed until end of term.
Early withdrawal penalties may apply.
Relationship APY 0.06%. Early withdrawal penalties may apply.
Compound frequency at maturity. Penalty equal to 90 days of dividends.
Minimum Opening balance of $1000 required.
UP to $99,999.99
Term: Special 6-Month Fixed Rate2
$50,000 & up; Dividends Paid Monthly
Interest Compounded & Credited: Quarterly
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
All rates are Annual Percentage Yields.
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Balance: $1,000-$74,999
All rates are Annual Percentage Yields.
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Balance: $100,000 and over
Balance: $100,000 and over
Term: 6 months through 11 months; Balances of $500.00-$99,999.99
Balance: $50,000 - $99,999.99
Balance: $50,000 - $99,999.99
New Money; Open now; Open in branch
Balance: $1,000 - $49,999.99
Balance: $1,000 - $49,999.99
Early withdrawal penalty = 90 days dividend, earned or not.
Add 0.25% to current dividend certificate rate with at least $10,000 new money OR with direct deposit. Ask for details.
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 8/10/26 and is subject to change on the Bank's discretion.
Special
Term: Special 12-Month Fixed Rate1
Special
Compound frequency semi-annually. Penalty equal to 90 days of dividends.
Interest Compounded & Credited: Quarterly
IRA
IRA Certificate
Roth IRA Certificate
Minimum Opening balance of $1000 required.
Term: 12 Month IRA Variable
$50,000 & up; Dividends Paid Monthly
Add 0.25% to current dividend certificate rate with at least $10,000 new money OR with direct deposit. Ask for details.
IRA Certificate
Roth IRA Certificate
quarterly dividends
Dividends Paid: Monthly
Dividends Credited: Monthly
quarterly dividends
Balance: $1,000-$74,999
Member Rewards: If you have CECU checking and direct deposit and over $25,000 on deposit with us, we will increase the rate on your new certificate by .10% or if you have over $50,000 on deposit, we will increase the new certificate rate by .20%. $2,500 minimum balance. Early withdrawal penalties may apply
Balance: $1,000 - $49,999.99
Balance: $250 - $2,500
Balance: $1,000 - $49,999.99
Compound frequency semi-annually. Penalty equal to 180 days of dividends.
IRA Certificate
Roth IRA Certificate
IRA Certificate
Roth IRA Certificate
quarterly dividends
quarterly dividends
Add 0.25% to current dividend certificate rate with at least $10,000 new money OR with direct deposit. Ask for details.
Member Rewards: If you have CECU checking and direct deposit and over $25,000 on deposit with us, we will increase the rate on your new certificate by .10% or if you have over $50,000 on deposit, we will increase the new certificate rate by .20%. $2,500 minimum balance. Early withdrawal penalties may apply
Balance: $1,000-$74,999
Reward add-ons apply
monthly dividends
IRA and Roth Certificates
All rates are Annual Percentage Yields.
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Interest Compounded & Credited: Quarterly
IRA Certificate
Roth IRA Certificate
Compound frequency semi-annually. Penalty equal to 180 days of dividends.
IRA Certificate
Roth IRA Certificate
quarterly dividends
Balance: $100,000 and over
Balance: $100,000 and over
Term: 1 to 2 Years (365 to 729 days); Jumbo APY: 4.05%; Jumbo Dividend Rate: 3.98%; Early Withdrawal Penalty: 180 Days' Dividends
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
quarterly dividends
Balance: $50,000 - $99,999.99
Balance: $50,000 - $99,999.99
Balance: $1,000 - $49,999.99
Balance: $1,000 - $49,999.99
Add 0.25% to current dividend certificate rate with at least $10,000 new money OR with direct deposit. Ask for details.
All rates are Annual Percentage Yields.
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Balance: $1,000-$74,999
Balance: $100,000+
IRA Certificate
Roth IRA Certificate
IRA Certificate
Roth IRA Certificate
Compound frequency semi-annually. Penalty equal to 180 days of dividends.
Balance: $100,000 and over
Balance: $100,000 and over
Term: 2 to 3 Years (730 to 1,094 days); Jumbo APY: 4.05%; Jumbo Dividend Rate: 3.98%; Early Withdrawal Penalty: 180 Days' Dividends
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
Balance: $50,000 - $99,999.99
Balance: $50,000 - $99,999.99
Balance: $1,000 - $49,999.99
Balance: $1,000 - $49,999.99
Add 0.25% to current dividend certificate rate with at least $10,000 new money OR with direct deposit. Ask for details.
Add 0.25% to current dividend certificate rate with at least $10,000 new money OR with direct deposit. Ask for details.
All rates are Annual Percentage Yields.
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Balance: $1,000-$74,999
MINOR: $500.00
IRA Certificate
Roth IRA Certificate
IRA Certificate
Roth IRA Certificate
Compound frequency semi-annually. Penalty equal to 180 days of dividends.
Term: 3 to 4 Years (1,095 to 1,460 days); Jumbo APY: 4.05%; Jumbo Dividend Rate: 3.98%; Early Withdrawal Penalty: 240 Days' Dividends
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
Add 0.25% to current dividend certificate rate with at least $10,000 new money OR with direct deposit. Ask for details.
Add 0.25% to current dividend certificate rate with at least $10,000 new money OR with direct deposit. Ask for details.
All rates are Annual Percentage Yields.
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Balance: $1,000-$74,999
Frequency of Compounding: Quarterly
$50,000 & up; Dividends Paid Monthly
Term: 48 months through 59 months; Balances of $500.00-$99,999.99
Interest Credited Monthly; Penalty: 6 MO
IRA Certificate
Roth IRA Certificate
IRA Certificate
Roth IRA Certificate
Balance: $100,000 and over
Balance: $100,000 and over
Term: 4 to 5 Years (1,461 to 1,825 days); Jumbo APY: 4.05%; Jumbo Dividend Rate: 3.98%; Early Withdrawal Penalty: 240 Days' Dividends
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
Term: 5 Years (1,826 to 2,190 days); Jumbo APY: 4.05%; Jumbo Dividend Rate: 3.98%; Early Withdrawal Penalty: 240 Days' Dividends
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
Balance: $50,000 - $99,999.99
Balance: $50,000 - $99,999.99
Balance: $1,000 - $49,999.99
Balance: $1,000 - $49,999.99
Add 0.25% to current dividend certificate rate with at least $10,000 new money OR with direct deposit. Ask for details.
Add 0.25% to current dividend certificate rate with at least $10,000 new money OR with direct deposit. Ask for details.
All rates are Annual Percentage Yields.
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Balance: $1,000-$74,999
Compare local Eagan, TN 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.
Tennessee 12-month CD rates rose 0.004 points over the past 7 days to 2.945% APY.
Tennessee 6-month CD rates currently average 2.760% APY based on data from institutions in our monitoring network.
Where are Tennessee CD rates headed through September 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
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 | 2.055% | $102.77 | $205.54 | $513.85 | $1,027.70 |
| 6-Month CD | 2.760% | $137.99 | $275.97 | $689.93 | $1,379.85 |
| 12-Month CD | 2.945% | $147.27 | $294.54 | $736.35 | $1,472.70 |
| 18-Month CD | 2.813% | $140.67 | $281.33 | $703.32 | $1,406.65 |
| 24-Month CD | 2.833% | $141.64 | $283.27 | $708.18 | $1,416.35 |
| 36-Month CD | 2.754% | $137.68 | $275.36 | $688.40 | $1,376.80 |
| 48-Month CD | 2.759% | $137.97 | $275.93 | $689.82 | $1,379.65 |
| 60-Month CD | 2.834% | $141.70 | $283.39 | $708.48 | $1,416.95 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 22, 2026. | |||||
$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 | 2.055% | $102.77 |
| 2 | 6-Month CD | $5,000 | 2.760% | $137.99 |
| 3 | 12-Month CD | $5,000 | 2.945% | $147.27 |
| 4 | 24-Month CD | $5,000 | 2.833% | $141.64 |
| 5 | 36-Month CD | $5,000 | 2.754% | $137.68 |
| Total ($25,000 invested) | $25,000 | 2.669% blended | $667.35/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.
MonitorBankRates tracks 853 CD rates from 27 banks and 66 credit unions with locations in Eagan, 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: Hope Federal Credit Union Jackson, MS offers a CD at 4.47% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Eagan, Tennessee.
What to compare when shopping for a CD in Eagan, Tennessee
To find the best APYs in Eagan, Tennessee, start with credit unions and online-only banks: Eagan, Tennessee has 66 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.
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)
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 2.945%, saving 10% of the local median salary ($4,241/year) and putting it in a CD would earn an additional $125 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
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 |
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 Eagan, 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 Eagan, Tennessee as everywhere in the U.S.
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Eagan, Tennessee savers easier access to their funds. For example, Collegedale Credit Union is offering its 6 Month IRA Certificate at 4.33% 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 Jumbo Share Certificates (CDs) at 4.47% 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.
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 Eagan, 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.
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 Eagan, Tennessee CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Most CDs carry a fixed rate that is locked for the entire term, protecting a Eagan, 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.
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Eagan, Tennessee rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.
At today’s TN top rate of 4.47% APY, a $10,000 deposit earns $447 in the first year. Enter your amount to see your exact return.
Eagan, Tennessee CD LadderTN CD rates currently range from 2.055% (3-month) to 2.754% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Eagan, Tennessee CD at 4.47% 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 2.945% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Eagan, 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 Eagan, 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 Eagan, 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.