CD Rates Harrogate, Tennessee (TN) for April 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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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 Harrogate, Tennessee CD rates include Nashville Firemens Credit UnionNashville Firemens Credit UnionA+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 UnionA+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 UnionA+5.0 ★Texas Ratio: 1.58%Real return: +1.30%APY minus CPI (February 2026) offering Dream Home Share Certificate 5 Year Retirement Share Certificate at 4.10% APY, Collegedale Credit UnionCollegedale Credit UnionA5.0 ★Texas Ratio: 9.57%Real return: +1.27%APY minus CPI (February 2026) offering 6 Months Term Share Certificates at 4.07% APY, and ORNLORNLA+5.0 ★Texas Ratio: 1.71%Real return: +1.20%APY minus CPI (February 2026) offering 12-Month IRA PROMOTIONAL Certificate at 4.00% APY. CD rates as of April 20, 2026 according to verified data from MonitorBankRates.
Harrogate is a smaller community with no bank or credit union branches currently in our database. 402 institutions serving the Tennessee area are available to Harrogate residents, with CD rates as high as 4.52% APY from Nashville Firemens Credit Union. 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 20, 2026
Compare Best CD Rates in Harrogate, Tennessee & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Certificates of Deposit 3 Month
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Regular, Business and / or IRA Share Certificate 3 Months
$1,000
3.66%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
3 Month Share Certificate IRA
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
Share Certificate Account 3 Months
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Veritas Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.95%
3 Months Certificates
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Minimum Balance $500
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
3 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
3 Month Certificates of Deposit (Regular & IRAs)
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
3 Month Share Certificate
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
3 Month Certificate Jumbo Certificate
$50,000
3.00%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 20, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
3-Month Certificate
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
$500 to $24,999
Knoxville Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
3 Month Share Certificate
$0
2.79%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
($500.00 MINOR)
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
1 - 3 Month CD
$1,000
1.76%
▼
Rate1.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3 month Share Ctf
$0
1.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Collegedale Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
3 Months Term Share Certificates
$0
1.06%
▼
Rate1.05%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
90 Day CD
$5,000
0.95%
▼
Rate0.95%
Min Deposit$5,000
Min Balance—
UpdatedApr 20, 2026
Details
Community Bank Lexington, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
3 Month Certificates of Deposit
$500
0.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Rate0.45%
Min Deposit$10,000
Min Balance—
UpdatedApr 20, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
Term Share Certificates 90 Day
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$500 Minimum. Loss of dividend penalty for early withdrawal.
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
Share Certificates 3 Months
$2,000
0.10%
▼
Rate0.10%
Min Deposit$2,000
Min Balance—
UpdatedApr 20, 2026
Details
Penalty for early withdrawal may apply. No additional deposits allowed until end of term.
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details
Early withdrawal penalties may apply
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
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%
180 Days Share Certificate
$1,000
4.16%
▼
Rate4.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Collegedale Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
6 Months Term Share Certificates
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
SouthEast Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.66%
6-Month CD Special
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA - Individual Retirement Accounts 6-Month
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
6 Months Certificate
$0
3.90%
▼
Rate3.86%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.28%
6 Month CD
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
As High As
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
6 Month CD
$1,000
3.80%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
6 Month Share Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
6 Months Certificate Accounts/Business Certificate Accounts
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Community Bank Lexington, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
6 Month Certificates of Deposit
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 20, 2026
Details
$50,000 - $250,000 New Money
Bowater Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
6-month Term Share Account (TSA)
$0
3.63%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
Term Share Certificates 6 Month
$0
3.60%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$500 Minimum. Early withdrawal penalty = 90 days dividend, earned or not.
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
6 Month Share Certificate IRA
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Johnsonville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
6 Month Certificate
$1,000
3.58%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
Share Certificate Account 6 Months
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Certificates of Deposit 6 Month
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Regular, Business and / or IRA Share Certificate Jumbo 6 Months
$100,000
3.51%
▼
Rate3.45%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
New Money Only
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
6 Month Certificates
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
6-Month Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
$500 to $24,999
Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
6 Month Share Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Minimum Balance $500
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6 Months Investment Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Veritas Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.95%
6 Months Certificates
$0
3.44%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
6 Month Certificate (quarterly dividends) Jumbo Certificate
$50,000
3.43%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 20, 2026
Details
Heritage South Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
6 Month Certificate
$0
3.43%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Jumbo Certificate 6 Months Fixed
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.30%
Min Deposit$25,000
Min Balance—
UpdatedApr 20, 2026
Details
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
6 Month Share Certificate
$0
3.34%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Holley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
Share Certificates 6 months
$1,000
3.34%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
6 Months Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.21%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
6 Month Certificates of Deposit (Regular & IRAs)
$0
3.17%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
6 Month Share Certificates (CDs)
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
6 Month Certificate Account with Rewards
$0
2.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
6 month Share Ctf
$0
2.95%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.90%
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details
Knoxville Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
6 Month Share Certificate
$0
2.89%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
($500.00 MINOR)
Horizon Credit Union Kingsport, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Certificate-6 Months
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Minimum Deposit - $500.00***
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Minimum Opening Deposit $500.00
Knoxville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
6 Month Share Certificate
$0
2.75%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
($100,000+)
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
FedTrust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Certificate 6 Months
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 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%
IRA Term Account 12 Months
$0
4.52%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Business Share Certificates 12 Months
$1,000
4.00%
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Months Share Certificate
$1,000
4.00%
▼
Rate3.95%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
ORNL
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
12-Month IRA PROMOTIONAL Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
($500 minimum deposit required)
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 1 Year Retirement Share Certificate
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$10,000 - $49,999.99
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
12 Month Special Regular Certificate
$5,000
3.91%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 20, 2026
Details
minimum $5,000 New Money/maximum $250,000
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
SouthEast Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.66%
12-Month CD Special
$1,000
3.85%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.28%
12-Month Share Certificate
$500
3.85%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Financial Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
12 Month CD
$1,000
3.85%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
Certificates 1 Year
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Lowland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
12-month tax certificate special
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
refund your way.
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
12 Month Share Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
12 Months Certificate Accounts/Business Certificate Accounts
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
Roth IRA Certificates 12 Months
$500
3.70%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
12 Month Share Certificate IRA
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
12-Month Certificate
$500
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
$500 to $24,999
City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
12 Months Certificate
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
Share Certificate Account 12 Months
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Bowater Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
12-month TSA/IRA
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Holley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
Share Certificates 12 months
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
12 Month Certificate of Deposit
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
12 Months Certificate
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
Term Share Certificates 12 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$1,200 Minimum. Early withdrawal penalty = 90 days dividend earned or not.
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Regular, Business and / or IRA Share Certificate Jumbo 12 Months
$100,000
3.51%
▼
Rate3.45%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
12 Month Certificates
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
12 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
UPS Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
12 Months Share CDs and IRA CDs
$0
3.50%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Johnsonville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
12 Month Certificate
$1,000
3.45%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Community Bank Lexington, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
12 Month Certificates of Deposit
$500
3.45%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Heritage South Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
12 Month Certificate
$0
3.44%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
12 Months Share Certificates/CDs
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 12-Month Fixed
$100,000
3.40%
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 Minimum to Earn APY
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
Child Super Saver (12 Months) Share Certificate
$0
3.39%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Veritas Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.95%
12 Months Certificates
$0
3.34%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Minimum Balance $500
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Jumbo Certificate 12 Months Fixed
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
1 Year CD
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
12 Month Certificate Account with Rewards
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Tennessee State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
12 Month CD Personal
$1,000
3.25%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Months Investment Certificates
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
12 month IRA Ctf
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
IRA Certificates 12 Months
$0
3.15%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Knoxville Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
12 Month Share Certificate
$0
3.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
($500.00 MINOR)
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
12 Month Certificates of Deposit (Regular & IRAs)
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Certificates of Deposit 12 Month
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.
Rate2.97%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Kemba Delta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
12 Months Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 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%
IRA Term Account 18 Months
$0
4.24%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
18 Months IRA Certificates
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 and over
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Months Share Certificate
$1,000
3.90%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.28%
18-Month Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
18 Months Certificate Accounts/Business Certificate Accounts
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 18-Month Variable
$100,000
3.69%
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 Minimum to Earn APY
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
18 Month Share Certificate IRA
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
18 Month Certificate of Deposit
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
18 Months Certificate
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
18 Month Retention Special Regular Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Maturing certificates only
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
18 Month Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Regular, Business and / or IRA Share Certificate 18 Months
$1,000
3.40%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
18 Month Certificate Account with Rewards
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
Share Certificate Account 18 Months
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
18 Month IRA Fixed
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Veritas Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.95%
IRA 18 Months
$0
3.29%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Knoxville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
18 Month Share Certificate
$0
3.25%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
($100,000+)
Community Bank Lexington, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
18 Month Certificates of Deposit
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Jumbo Certificate 18 Months Fixed
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
18 Month Share Certificate
$0
3.19%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Tennessee State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
Traditional IRA 18 Month CD
$100
3.18%
▼
Rate3.20%
Min Deposit$100
Min Balance—
UpdatedApr 20, 2026
Details
Johnsonville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
18 Month Certificate
$1,000
3.10%
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Minimum Balance $500
Bowater Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
18-month TSA/IRA
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
18-Month Certificate
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
$500 to $24,999
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
18 Month Certificates
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
UPS Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
18 Months Share CDs and IRA CDs
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Kemba Delta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
18 Months Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.97%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
18 Month Certificate
$2,500
3.00%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details
Homeland Community Bank
Institution Rating:
C+4.2 ★Texas Ratio: 24.87%
18 Month CD
$500
2.86%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Minimum Opening Deposit $500.00
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
18 Month Certificates of Deposit (Regular & IRAs)
$0
2.85%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
18 Month Term Certificate Accounts / IRA Certificates
$0
2.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
Term Share Certificates 18 Month
$0
2.83%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$1,800 Minimum. Early withdrawal penalty = 90 days dividend earned or not.
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
18 month IRA Ctf
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
18 Month Share Certificate
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA - Individual Retirement Accounts 18-Month
$1,000
2.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
18 Month Certificate
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Months Investment Certificates
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Parthenon Federal Credit Union
Institution Rating:
D3.1 ★Texas Ratio: 38.44%
18 Months Certificate of Deposit
$500
2.50%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
IRA 18-Month Certificate
$0
2.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.30%
Min Deposit$1
Min Balance—
UpdatedApr 20, 2026
Details
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
Share Certificates 18 Months
$2,000
2.05%
▼
Rate2.05%
Min Deposit$2,000
Min Balance—
UpdatedApr 20, 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%
Certificate - 18 Months
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Minimum Deposit - $1,000*
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
18 Months Certificate of Deposit (CDs)
$500
2.00%
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Open Account: $500.00; Obtain APY: $500.00
First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
18 Month CD
$1,000
1.90%
▼
Rate1.89%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate1.54%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$100 min. & $2,000 max.
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%
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 and over
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
2 1/2-Year CD
$0
3.95%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Months Share Certificate
$1,000
3.90%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Investment Certificate 1 to 2 Years Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Early Withdrawal Penalty: 90 Days' Dividends
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Business Share Certificates 24 Months
$1,000
3.75%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Holley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
Share Certificates 24 months
$1,000
3.75%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
24 Months Certificate Accounts/Business Certificate Accounts
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
24 Month Share Certificate IRA
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
24 Month Certificate Account with Rewards
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.28%
24-Month Share Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Knoxville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
24 Month Share Certificate
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
($100,000+)
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Regular, Business and / or IRA Share Certificate Jumbo 24 Months
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
24 Month Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 24-Month Fixed
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 Minimum to Earn APY
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
24 Month Certificate (quarterly dividends) Jumbo Certificate
$50,000
3.40%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 20, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Jumbo Certificate 24 Months Fixed
$0
3.35%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.87%
24 Months Certificate
$0
3.30%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
Share Certificate Account 24 Months
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
2 Year CD
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Community Bank Lexington, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
24 Month Certificates of Deposit
$500
3.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
IRA Term Account 2 Years
$0
3.12%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Veritas Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.95%
24 Months Certificates
$0
3.08%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
24 Months Certificate
$0
3.05%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
24 Month Share Certificate
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
24 Month Certificates
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
24-Month Certificate
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
$500 to $24,999
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Minimum Balance $500
Johnsonville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
24 Month Certificate
$1,000
3.00%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
24-Mo Trad/Roth IRA CD (Fixed)
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
UPS Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.22%
24 Months Share CDs and IRA CDs
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
24 Month Certificate
$2,500
3.00%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
Term Share Certificates 24 Month
$0
2.93%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$2,000 Minimum. Early withdrawal penalty = 90 days dividend earned or not.
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
24 Month Certificate of Deposit
$0
2.90%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Homeland Community Bank
Institution Rating:
C+4.2 ★Texas Ratio: 24.87%
24 Month CD
$500
2.85%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Minimum Opening Deposit $500.00
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
24 month Share Ctf
$0
2.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Bowater Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
24-month TSA/IRA
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Months Investment Certificates
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.72%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
24 Month Certificates of Deposit (Regular & IRAs)
$0
2.75%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Parthenon Federal Credit Union
Institution Rating:
D3.1 ★Texas Ratio: 38.44%
24 Months Certificate of Deposit
$500
2.75%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA - Individual Retirement Accounts 24-Month
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
24 Month Share Certificate
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
FedTrust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Certificate 2 Years
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.50%
Min Deposit$1
Min Balance—
UpdatedApr 20, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
24 Month Certificate
$0
2.47%
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
24 Month Share Certificates (CDs)
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
Share Certificates 24 Months
$2,000
2.10%
▼
Rate2.10%
Min Deposit$2,000
Min Balance—
UpdatedApr 20, 2026
Details
Penalty for early withdrawal may apply. No additional deposits allowed until end of term.
First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
24 Month CD
$1,000
2.10%
▼
Rate2.09%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 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%
3 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
ORNL
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
36-Month IRA PROMOTIONAL Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
($500 minimum deposit required)
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Investment Certificate 2 to 3 Years Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Lowland Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
36-month tax certificate special
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
refund your way.
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
36 Month Certificate Account
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
36 Month Share Certificate IRA
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 36-Month Variable
$100,000
3.58%
▼
Rate3.52%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 Minimum to Earn APY
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
36 Months Certificate Accounts/Business Certificate Accounts
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA - Individual Retirement Accounts 36-Month
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Jumbo Certificate 36 Months Fixed
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Knoxville Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
36 Month Share Certificate
$0
3.41%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
($500.00 MINOR)
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
36 Month Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Regular, Business and / or IRA Share Certificate 36 Months
$1,000
3.35%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Veritas Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.95%
IRA 36 Months
$0
3.34%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
36 Month Certificate Jumbo Certificate
$50,000
3.30%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 20, 2026
Details
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
Share Certificate Account 36 Months
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
Roth IRA Certificates 36 Months
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
3 Year CD
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.28%
36-Month Share Certificate
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
36 Month Certificate of Deposit
$0
3.10%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
36 Month Share Certificate
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
Certificates 36 Months
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
IRA Term Account 3 Years
$0
3.02%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Parthenon Federal Credit Union
Institution Rating:
D3.1 ★Texas Ratio: 38.44%
3 Years Certificate of Deposit
$500
3.00%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Minimum Balance $500
Community Bank Lexington, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
36 Month Certificates of Deposit
$500
2.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Homeland Community Bank
Institution Rating:
C+4.2 ★Texas Ratio: 24.87%
36 Month CD
$500
2.80%
▼
Rate2.80%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Minimum Opening Deposit $500.00
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
36 Month Certificate
$2,500
2.75%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
36 Month Certificates
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
36 Month Share Certificate
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
36 Months Investment Certificates
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.50%
Min Deposit$1
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.48%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
36 Month Certificates of Deposit (Regular & IRAs)
$0
2.50%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Horizon Credit Union Kingsport, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Certificate-36 Months
$0
2.47%
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Minimum Deposit - $100,000**
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
36 Month CD
$1,000
2.34%
▼
Rate2.33%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
36 Month Certificate
$0
2.32%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
36 Months* Certificate
$0
2.30%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
36 Month Share Certificates (CDs)
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
36-Month Certificate
$500
2.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
$500 to $24,999
Rate1.69%
Min Deposit$10,000
Min Balance—
UpdatedApr 20, 2026
Details
Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
36 Month Term Certificate Accounts / IRA Certificates
$0
1.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
Term Share Certificates 36 Month
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$2,000 Minimum. Early withdrawal penalty = 90 days dividend earned or not.
Select Seven Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
36 Months Certificate
$1,000
0.90%
▼
Rate0.90%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
$1,000.00 minimum
Greeneville Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
36 Month Certificate
$0
0.45%
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 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%
Investment Certificate 3 to 4 Years Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
48 Month Certificate Account
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA - Individual Retirement Accounts 48-Month
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
48 Month Share Certificate IRA
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Jumbo Certificate 48 Months Fixed
$0
3.51%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
48 Months Certificate Accounts/Business Certificate Accounts
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 48-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 Minimum to Earn APY
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
48 Month Certificate Jumbo Certificate
$50,000
3.40%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 20, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
48 Month Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Regular, Business and / or IRA Share Certificate 48 Months
$1,000
3.40%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
48 Month Share Certificate
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Parthenon Federal Credit Union
Institution Rating:
D3.1 ★Texas Ratio: 38.44%
4 Years Certificate of Deposit
$500
3.00%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
IRA Term Account 4 Years
$0
2.93%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.86%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Minimum Balance $500
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
48 Month Certificate
$2,500
2.75%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details
Homeland Community Bank
Institution Rating:
C+4.2 ★Texas Ratio: 24.87%
48 Month CD
$500
2.75%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Minimum Opening Deposit $500.00
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
48 Month Certificates
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Horizon Credit Union Kingsport, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Certificate-48 Months
$0
2.68%
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Minimum Deposit - $100,000**
Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
48 Month Share Certificate
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Community Bank Lexington, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
48 Month Certificates of Deposit
$500
2.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.48%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
48 Month Certificates of Deposit (Regular & IRAs)
$0
2.50%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
48 Month Certificate
$0
2.32%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
48 Months Certificate
$0
2.30%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
48 Months Investment Certificates
$0
2.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.12%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
48-Month Certificate
$500
2.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
$500 to $24,999
Rate1.74%
Min Deposit$10,000
Min Balance—
UpdatedApr 20, 2026
Details
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
48 Month Share Certificates (CDs)
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
48 Month Term Certificate Accounts / IRA Certificates
$0
1.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Select Seven Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
48 Months Certificate
$1,000
0.95%
▼
Rate0.95%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
$1,000.00 minimum
Greeneville Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
48 Month Certificate
$0
0.45%
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 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%
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 and over
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
60 Month Certificate Account
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Investment Certificate 4 to 5 Years Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
60 Month Share Certificate IRA
$1,000
3.60%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Jumbo Certificate 60 Months Fixed
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
Roth IRA Certificates 60 Months
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
60 Month Certificate of Deposit
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
60 Months Certificate Accounts/Business Certificate Accounts
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
IRA Certificate Term 60-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 20, 2026
Details
$100,000 Minimum to Earn APY
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA - Individual Retirement Accounts 60-Month
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
5 Year Certificate Jumbo Certificate
$50,000
3.46%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 20, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Regular, Business and / or IRA Share Certificate 60 Months
$1,000
3.45%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
60 Month Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Heritage South Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
60 Month Certificate
$0
3.39%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Veritas Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.95%
60 Months Certificates
$0
3.24%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
60-Mo Trad/Roth IRA CD (Fixed)
$2,500
3.20%
▼
Rate3.15%
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details
Horizon Credit Union Kingsport, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Certificate-60 Months
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Minimum Deposit - $100,000**
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
60 Month Share Certificate
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Business Share Certificates 60 Months
$1,000
3.00%
▼
Rate2.97%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Parthenon Federal Credit Union
Institution Rating:
D3.1 ★Texas Ratio: 38.44%
5 Years Certificate of Deposit
$500
3.00%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
IRA Term Account 5 Years
$0
2.98%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Minimum Balance $500
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
60 Month Certificate
$2,500
2.75%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 20, 2026
Details
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
60 Month Certificates
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Homeland Community Bank
Institution Rating:
C+4.2 ★Texas Ratio: 24.87%
60 Month CD
$500
2.70%
▼
Rate2.70%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Minimum Opening Deposit $500.00
Community Bank Lexington, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
Individual Retirement Accounts IRA 60 Month
$500
2.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
60 Month Share Certificate
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
60 Month CD
$1,000
2.64%
▼
Rate2.62%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.48%
Min Deposit$1,000
Min Balance—
UpdatedApr 20, 2026
Details
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
60 Month Certificates of Deposit (Regular & IRAs)
$0
2.50%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
60 Months Certificate of Deposit (CDs)
$500
2.50%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Open Account: $500.00; Obtain APY: $500.00
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
IRA 60-Month Certificate
$0
2.44%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
60 Month Certificate
$0
2.32%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
60 Months Certificate
$0
2.30%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
FedTrust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Certificate 5 Years
$0
2.27%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
60 Months Investment Certificates
$0
2.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate2.12%
Min Deposit$500
Min Balance—
UpdatedApr 20, 2026
Details
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
60 Month Share Certificates (CDs)
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
60 Month Term Certificate Accounts / IRA Certificates
$0
1.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Select Seven Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
5 Years Education IRA
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Greeneville Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
60 Month Certificate
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 20, 2026
Details
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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.
Harrogate, TN CD Rate Trends
Compare local Harrogate, 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.
12-Month CD — TN Avg
2.566%
▲ 0.052 vs 7 days ago
Tennessee 12-month CD rates rose 0.052 points over the past 7 days to 2.566% APY.
6-Month CD — TN Avg
2.531%
▲ 0.002 vs 7 days ago
Tennessee 6-month CD rates rose 0.002 points over the past 7 days to 2.531% APY.
As of Apr 20, 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
2.566%
6-Month Forecast
2.566%
Range: 2.37% – 2.72%
12-Month Forecast
2.316%
Range: 2.12% – 2.47%
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 | 1.252% | $62.59 | $125.17 | $312.93 | $625.85 |
| 6-Month CD | 2.531% | $126.53 | $253.05 | $632.63 | $1,265.25 |
| 12-Month CD | 2.566% | $128.29 | $256.57 | $641.43 | $1,282.85 |
| 18-Month CD | 2.777% | $138.85 | $277.69 | $694.23 | $1,388.45 |
| 24-Month CD | 2.427% | $121.34 | $242.67 | $606.68 | $1,213.35 |
| 36-Month CD | 2.389% | $119.44 | $238.87 | $597.18 | $1,194.35 |
| 48-Month CD | 2.117% | $105.87 | $211.74 | $529.35 | $1,058.70 |
| 60-Month CD | 2.400% | $120.01 | $240.01 | $600.03 | $1,200.05 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 20, 2026. | |||||
Sample CD Ladder for Harrogate, 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 | 1.252% | $62.59 |
| 2 | 6-Month CD | $5,000 | 2.531% | $126.53 |
| 3 | 12-Month CD | $5,000 | 2.566% | $128.29 |
| 4 | 24-Month CD | $5,000 | 2.427% | $121.34 |
| 5 | 36-Month CD | $5,000 | 2.389% | $119.44 |
| Total ($25,000 invested) | $25,000 | 2.233% blended | $558.19/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.
84
Institutions
in Harrogate, Tennessee
in Harrogate, Tennessee
29 Banks
55 Credit Unions
About Our Harrogate, Tennessee CD Rate Database
MonitorBankRates tracks CD rates from 29 banks and 55 credit unions with locations in Harrogate, 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 Harrogate, Tennessee.
How to Find the Best CD Rates in Harrogate, Tennessee
What to compare when shopping for a CD in Harrogate, Tennessee
To find the best APYs in Harrogate, Tennessee, start with credit unions and online-only banks — Harrogate, Tennessee has 55 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 Harrogate, 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 Harrogate, Tennessee — 84 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Harrogate, Tennessee savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Harrogate, Tennessee money market rates
Harrogate, Tennessee Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
19.2%
National avg: 17.3%
Median Individual Earnings
$24,480
National avg: $47,340
Poverty Rate
12.4%
National avg: 11.1%
Unemployment Rate
5.8%
National avg: 4.8%
CD Earnings on 10% of Salary
$63/yr
At TN 12-mo avg 2.566% APY
19.2% of residents are 65 or older, in line with the national average of 17.3%. At today’s TN 12-month CD average of 2.566%, saving 10% of the local median salary ($2,448/year) and putting it in a CD would earn an additional $63 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 Harrogate, 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 Harrogate, Tennessee
Are CD rates in Harrogate, Tennessee FDIC insured?
Yes, most established banks in Harrogate, 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 Harrogate, 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 Harrogate, 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 Harrogate, 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 Harrogate, 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)
- Republic Bank & Trust Company: 4.00% APY (IRA - Individual Retirement Accounts 6-Month)
- ORNL: 4.00% APY (36-Month IRA PROMOTIONAL Certificate)
- SouthEast Bank: 4.00% APY (6-Month CD Special)
- Tennessee Valley Federal Credit Union: 4.00% APY (18 Months IRA Certificates)
- 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 Harrogate, Tennessee. Last Updated: April 20, 2026
CD Calculators for Harrogate, Tennessee
Harrogate, 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.
Harrogate, Tennessee CD LadderTN CD rates currently range from 1.252% (3-month) to 2.389% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Harrogate, 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 2.566% 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 Harrogate, 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 Harrogate, 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 20, 2026
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