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CD Rates Memphis, Tennessee (TN) for April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: April 16, 2026

Current Memphis, Tennessee CD rates include Firefighters First Federal Credit UnionFirefighters First Federal Credit Union5150 Stage Rd Ste 102, Memphis, TN 38134 3169A+5.0 ★Texas Ratio: 1.58%Real return: +1.30%APY minus CPI (February 2026) offering Dream Home Share Certificate 2 Year Retirement Share Certificate at 4.10% APY, Financial Federal BankFinancial Federal Bank1715 Aaron Brenner Dr, Memphis, TN 38120A+5.0 ★Texas Ratio: 0.01%Real return: +1.05%APY minus CPI (February 2026) offering 12 Month CD at 3.85% APY, FirstBank (TN)FirstBank (TN)3238 Players Club Cir, Memphis, TN 38125A5.0 ★Texas Ratio: 6.39%Real return: +1.00%APY minus CPI (February 2026) offering 6 Month CD at 3.80% APY, Simmons BankSimmons Bank5699 Poplar Ave, Memphis, TN 38119A+5.0 ★Texas Ratio: 2.50%Real return: +0.85%APY minus CPI (February 2026) offering 6-month CD at 3.65% APY, and Memphis City Employees Credit UnionMemphis City Employees Credit Union2608 Avery Ave, Memphis, TN 38112 4821A+5.0 ★Texas Ratio: 1.83%Real return: +0.85%APY minus CPI (February 2026) offering 12 Month CD at 3.65% APY. CD rates as of April 16, 2026 according to verified data from MonitorBankRates.

Memphis has 42 local institutions in our database, with CD rates as high as 4.10% APY from Firefighters First Federal Credit Union at 5150 Stage Rd Ste 102, Memphis, TN 38134 3169. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Tennessee area. 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 16, 2026

Compare Best CD Rates in Memphis, Tennessee & the Surrounding Area

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
775 Ridge Lake Blvd, Memphis, TN 38120
1 - 3 Month CD
$1,000
1.76%
View
▼
Rate1.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 16, 2026
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1265 Union Ave, Memphis, TN 38104 3415
3 month Share Ctf
$0
1.15%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3611 Hacks Cross Rd, Memphis, TN 38125
3 month Standard Fixed Rate CD
$2,500
0.06%
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 16, 2026
Details

Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Certificates of Deposit 3 Month
$0
3.91%
View
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 16, 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.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
3-Month Share Certificate
$100,000
3.60%
View
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedApr 16, 2026
Details

$100,000 Minimum to Earn APY

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
3 Month Certificate
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 16, 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%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
3 Month Share Certificate
$0
3.03%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
3 Month Certificate (quarterly dividends) Jumbo Certificate
$50,000
3.00%
View
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 16, 2026
Details

Knoxville Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
3 Month Share Certificate
$0
2.79%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

($500.00 MINOR)

Volunteer State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
3 Month CD/IRA
$0
2.52%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
90 Day CD
$5,000
0.95%
View
▼
Rate0.95%
Min Deposit$5,000
Min Balance—
UpdatedApr 16, 2026
Details

Community Bank Lexington, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
3 Month Certificates of Deposit
$500
0.50%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 16, 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%
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

$500 Minimum. Loss of dividend penalty for early withdrawal.

EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
3-Month CD
$0
0.10%
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
FirstBank (TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
3238 Players Club Cir, Memphis, TN 38125
6 Month CD
$0
3.80%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
6 Month Share Certificate
$0
3.75%
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.50%
5699 Poplar Ave, Memphis, TN 38119
6-month CD
$50,000
3.65%
View
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 16, 2026
Details

$50,000 - $250,000 New Money

Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3155 Millbranch Rd, Memphis, TN 38116 1917
6 Month Share Certificates (CDs)
$0
3.00%
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1265 Union Ave, Memphis, TN 38104 3415
6 month Share Ctf
$0
2.95%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Shelby County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
160 N Main St Ste 401, Memphis, TN 38103 1866
Share Certificate Account 6 Month
$1,000
2.00%
View
▼
Rate2.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 16, 2026
Details

Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
3601 Paul R Lowry Rd, Memphis, TN 38109 3007
Certificates minimum) 6 Month
$0
1.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

$1,000

Kennedy VA Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
1030 Jefferson Ave, Memphis, TN 38104
6 Month Term Account
$5,000
0.07%
View
▼
Rate0.07%
Min Deposit$5,000
Min Balance—
UpdatedApr 16, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3611 Hacks Cross Rd, Memphis, TN 38125
6 month Standard Fixed Rate CD
$2,500
0.06%
View
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 16, 2026
Details

SouthEast Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.66%
6-Month CD Special
$1,000
4.00%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 16, 2026
Details

EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
6-Month CD
$0
3.95%
View
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.28%
6 Month CD
$0
3.90%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

As High As

Bowater Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
6-month Term Share Account (TSA)
$0
3.63%
View
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
6 Month Share Certificate IRA
$1,000
3.60%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 16, 2026
Details

Johnsonville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
6 Month Certificate
$1,000
3.58%
View
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedApr 16, 2026
Details

Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
6 Month CD
$0
3.56%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
Certificates of Deposit 6 Month
$0
3.53%
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 16, 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.

Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
6 Month Share Certificate
$0
3.50%
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
6-Month Share Certificate
$100,000
3.45%
View
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 16, 2026
Details

$100,000 Minimum to Earn APY

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
6 Month Certificate (quarterly dividends) Jumbo Certificate
$50,000
3.43%
View
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 16, 2026
Details

RockPointBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
6-month CD
$25,000
3.35%
View
▼
Rate3.30%
Min Deposit$25,000
Min Balance—
UpdatedApr 16, 2026
Details

MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
6 Month Share Certificate
$0
3.34%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 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%
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Elizabethton FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
6 Month CD
$2,500
2.94%
View
▼
Rate2.90%
Min Deposit$2,500
Min Balance—
UpdatedApr 16, 2026
Details

Knoxville Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
6 Month Share Certificate
$0
2.89%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

($500.00 MINOR)

Volunteer State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
6 Month CD/IRA
$0
2.78%
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Homeland Community Bank
Institution Rating:
C+4.2 ★Texas Ratio: 24.87%
6 Month CD
$500
2.77%
View
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 16, 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%
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

($100,000+)

Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
6 Month Certificate
$0
2.73%
View
▼
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
6 Month Term Certificate Accounts / IRA Certificates
$0
1.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
6 Month CD
$1,000
1.00%
View
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 16, 2026
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
DreamBuilder 6 Month Certificate
$100
0.50%
View
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 16, 2026
Details

Greeneville Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
IRA Certificates 6 Month
$0
0.15%
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
6-month automatic saver CD
$500
0.01%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 16, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Dream Home Share Certificate 1 Year Retirement Share Certificate
$0
3.91%
View
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

$10,000 - $49,999.99

Financial Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
1715 Aaron Brenner Dr, Memphis, TN 38120
12 Month CD
$1,000
3.85%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 16, 2026
Details

Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2608 Avery Ave, Memphis, TN 38112 4821
12 Month CD
$0
3.65%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
3601 Paul R Lowry Rd, Memphis, TN 38109 3007
Certificates minimum) 12 Month
$0
3.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

$1,000

First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
775 Ridge Lake Blvd, Memphis, TN 38120
1 Year CD
$1,000
3.29%
View
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 16, 2026
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1265 Union Ave, Memphis, TN 38104 3415
12 month IRA Ctf
$0
3.20%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

FedTrust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
167 N Main St Ste 102, Memphis, TN 38103 1867
Certificate 1 Year
$0
2.78%
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3155 Millbranch Rd, Memphis, TN 38116 1917
12 Month Share Certificates (CDs)
$0
2.75%
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

U T
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
910 Madison Ave, Memphis, TN 38103
12 Month Add-On Certificate
$10,000
2.00%
View
▼
Rate1.98%
Min Deposit$10,000
Min Balance—
UpdatedApr 16, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3611 Hacks Cross Rd, Memphis, TN 38125
1 year Standard Fixed Rate CD
$2,500
1.51%
View
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 16, 2026
Details

Kennedy VA Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
1030 Jefferson Ave, Memphis, TN 38104
12 Month Term Account
$1,500
1.00%
View
▼
Rate1.00%
Min Deposit$1,500
Min Balance—
UpdatedApr 16, 2026
Details

Sonata Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
12-Month CD
$0
3.90%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

ORNL
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
12-Month IRA PROMOTIONAL
$500
3.80%
View
▼
Rate3.73%
Min Deposit$500
Min Balance—
UpdatedApr 16, 2026
Details

($500 minimum deposit required)

Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
12 Month Share Certificate
$0
3.75%
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
12 Month Certificate (quarterly dividends) Jumbo Certificate
$50,000
3.60%
View
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 16, 2026
Details

Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
12 Month CD
$0
3.56%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
12 Month Certificate of Deposit
$0
3.55%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
12 Month Certificates
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Johnsonville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
12 Month Certificate
$1,000
3.45%
View
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedApr 16, 2026
Details

Heritage South Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
12 Month Certificate
$0
3.44%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Elizabethton FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
12 Month CD
$500
3.36%
View
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 16, 2026
Details

Tennessee State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
12 Month CD Personal
$1,000
3.25%
View
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 16, 2026
Details

Knoxville Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
12 Month Share Certificate
$0
3.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

($500.00 MINOR)

Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
12 Month Add-On Certificate Account
$500
3.05%
View
▼
Rate3.05%
Min Deposit$500
Min Balance—
UpdatedApr 16, 2026
Details

You can add to this Certificate Account in increments of $250 or more anytime during the term of the certificate. Reward add-ons do not apply.

Knoxville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
12 Month Share Certificate
$0
3.00%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

($100,000+)

Homeland Community Bank
Institution Rating:
C+4.2 ★Texas Ratio: 24.87%
12 Month CD
$500
2.95%
View
▼
Rate2.95%
Min Deposit$500
Min Balance—
UpdatedApr 16, 2026
Details

Minimum Opening Deposit $500.00

Volunteer State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
12 Month CD/IRA
$0
2.63%
View
▼
Rate2.60%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
12 Month Certificate
$0
2.52%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Gateway Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 22.88%
12 Month IRA
$1
2.25%
View
▼
Rate2.25%
Min Deposit$1
Min Balance—
UpdatedApr 16, 2026
Details

Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
12 Month Term Certificate Accounts / IRA Certificates
$0
2.10%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
Appy Youth 12 Month Certificate
$0
2.05%
View
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA - Individual Retirement Accounts 12-Month
$1,000
1.25%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 16, 2026
Details

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

Foothills Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
12 Month Smart Multi Share Certificate of Deposit
$1,000
0.75%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 16, 2026
Details

Greeneville Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
12 Month Certificate
$0
0.25%
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
1-year convertible CD
$500
0.01%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 16, 2026
Details

Qualifying balance up to $49,000.00

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

$100,000 and over

First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
775 Ridge Lake Blvd, Memphis, TN 38120
18 Month IRA Fixed
$0
3.29%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1265 Union Ave, Memphis, TN 38104 3415
18 month IRA Ctf
$0
2.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
1451 Madison Ave, Memphis, TN 38104
IRA 18-Month Certificate
$0
2.35%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

U T
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
910 Madison Ave, Memphis, TN 38103
18 Month Educational IRA
$0
1.55%
View
▼
Rate1.54%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Kennedy VA Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
1030 Jefferson Ave, Memphis, TN 38104
18 Month IRA
$2,500
0.05%
View
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedApr 16, 2026
Details

TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.28%
18-Month Share Certificate
$500
3.75%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 16, 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%
View
▼
Rate3.63%
Min Deposit$100,000
Min Balance—
UpdatedApr 16, 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%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 16, 2026
Details

First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
18 Month Certificate of Deposit
$0
3.55%
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
18 Month Retention Special Regular Certificate
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 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%
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
18 Month Certificate Account with Rewards
$500
3.35%
View
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 16, 2026
Details

Knoxville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
18 Month Share Certificate
$0
3.25%
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

($100,000+)

MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
18 Month Share Certificate
$0
3.19%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Tennessee State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
Traditional IRA 18 Month CD
$100
3.18%
View
▼
Rate3.20%
Min Deposit$100
Min Balance—
UpdatedApr 16, 2026
Details

Johnsonville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
18 Month Certificate
$1,000
3.10%
View
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 16, 2026
Details

Bowater Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
18-month TSA/IRA
$0
3.04%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
18 Month Certificates
$0
3.00%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Homeland Community Bank
Institution Rating:
C+4.2 ★Texas Ratio: 24.87%
18 Month CD
$500
2.86%
View
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedApr 16, 2026
Details

Minimum Opening Deposit $500.00

Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
18 Month Term Certificate Accounts / IRA Certificates
$0
2.85%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 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%
View
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

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

Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
18 Month Share Certificate
$0
2.65%
View
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
18 Month Certificate
$0
2.52%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Gateway Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 22.88%
18 Month IRA
$1
2.30%
View
▼
Rate2.30%
Min Deposit$1
Min Balance—
UpdatedApr 16, 2026
Details

Horizon Credit Union Kingsport, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
IRA - 18 Month Certificate
$0
2.02%
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
18 Month CD
$1,000
1.90%
View
▼
Rate1.89%
Min Deposit$1,000
Min Balance—
UpdatedApr 16, 2026
Details

Greeneville Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
18 Month Certificate
$0
0.30%
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.10%
View
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

$100,000 and over

Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2608 Avery Ave, Memphis, TN 38112 4821
24 Month CD
$0
3.39%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
775 Ridge Lake Blvd, Memphis, TN 38120
2 Year CD
$1,000
3.29%
View
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 16, 2026
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1265 Union Ave, Memphis, TN 38104 3415
24 month Share Ctf
$0
2.80%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3155 Millbranch Rd, Memphis, TN 38116 1917
24 Month Share Certificates (CDs)
$0
2.25%
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
2 1/2-Year CD
$0
3.95%
View
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
24 Month Share Certificate IRA
$1,000
3.60%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 16, 2026
Details

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
IRA 24 Month Certificate
$0
3.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

($50,000 or more)

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
24-Month Share Certificate
$100,000
3.45%
View
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 16, 2026
Details

$100,000 Minimum to Earn APY

Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
24 Month Certificate Account
$500
3.30%
View
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 16, 2026
Details

Community Bank Lexington, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
24 Month Certificates of Deposit
$500
3.15%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 16, 2026
Details

Elizabethton FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
24 Month CD
$500
3.04%
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 16, 2026
Details

MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
24 Month Share Certificate
$0
3.03%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Johnsonville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
24 Month Certificate
$1,000
3.00%
View
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 16, 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%
View
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 16, 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%
View
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Homeland Community Bank
Institution Rating:
C+4.2 ★Texas Ratio: 24.87%
24 Month CD
$500
2.85%
View
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedApr 16, 2026
Details

Minimum Opening Deposit $500.00

Bowater Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
24-month TSA/IRA
$0
2.79%
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 16, 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%
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
24 Month Share Certificate
$0
2.65%
View
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Knoxville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
24 Month Share Certificate
$0
2.50%
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

($1,000-$49,999)

Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
24 Month Certificate
$0
2.47%
View
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Volunteer State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
2 Year CD/IRA
$0
2.42%
View
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
24 Month CD
$1,000
2.10%
View
▼
Rate2.09%
Min Deposit$1,000
Min Balance—
UpdatedApr 16, 2026
Details

Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
24 Month Term Certificate Accounts / IRA Certificates
$0
1.20%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Greeneville Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
24 Month Certificate
$0
0.35%
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
3 Year Share Certificate
$0
4.00%
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
2608 Avery Ave, Memphis, TN 38112 4821
36 Month CD
$0
3.49%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
775 Ridge Lake Blvd, Memphis, TN 38120
3 Year CD
$1,000
3.29%
View
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 16, 2026
Details

Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3155 Millbranch Rd, Memphis, TN 38116 1917
36 Month Share Certificates (CDs)
$0
2.00%
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

ORNL
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
36-Month IRA PROMOTIONAL
$500
3.80%
View
▼
Rate3.73%
Min Deposit$500
Min Balance—
UpdatedApr 16, 2026
Details

($500 minimum deposit required)

Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
36 Month Share Certificate IRA
$1,000
3.60%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 16, 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%
View
▼
Rate3.52%
Min Deposit$100,000
Min Balance—
UpdatedApr 16, 2026
Details

$100,000 Minimum to Earn APY

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
IRA 36 Month Certificate
$0
3.51%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

($50,000 or more)

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
IRA - Individual Retirement Accounts 36-Month
$1,000
3.50%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 16, 2026
Details

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

Knoxville Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.81%
36 Month Share Certificate
$0
3.41%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 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%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.28%
36-Month Share Certificate
$500
3.25%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 16, 2026
Details

First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
36 Month Certificate of Deposit
$0
3.10%
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
36 Month Share Certificate
$0
3.03%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
3-Year CD
$0
3.00%
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Community Bank Lexington, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
36 Month Certificates of Deposit
$500
2.90%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 16, 2026
Details

Homeland Community Bank
Institution Rating:
C+4.2 ★Texas Ratio: 24.87%
36 Month CD
$500
2.80%
View
▼
Rate2.80%
Min Deposit$500
Min Balance—
UpdatedApr 16, 2026
Details

Minimum Opening Deposit $500.00

Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
36 Month Certificates
$0
2.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
36 Month Share Certificate
$0
2.65%
View
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Gateway Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 22.88%
36 Month IRA
$1
2.50%
View
▼
Rate2.50%
Min Deposit$1
Min Balance—
UpdatedApr 16, 2026
Details

Volunteer State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
3 Year CD/IRA
$0
2.37%
View
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
36 Month CD
$1,000
2.34%
View
▼
Rate2.33%
Min Deposit$1,000
Min Balance—
UpdatedApr 16, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
36 Month Certificate
$0
2.32%
View
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
36 Month Term Certificate Accounts / IRA Certificates
$0
1.30%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 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%
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

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

Greeneville Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
36 Month Certificate
$0
0.45%
View
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3155 Millbranch Rd, Memphis, TN 38116 1917
48 Month Share Certificates (CDs)
$0
1.75%
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
48 Month Certificate Account
$0
3.70%
View
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 16, 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%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 16, 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%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 16, 2026
Details

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
IRA 48 Month Certificate
$0
3.51%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

($50,000 or more)

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
48-Month Share Certificate
$100,000
3.50%
View
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 16, 2026
Details

$100,000 Minimum to Earn APY

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
48 Month Certificate
$0
3.40%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
48 Month Share Certificate
$0
3.03%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Homeland Community Bank
Institution Rating:
C+4.2 ★Texas Ratio: 24.87%
48 Month CD
$500
2.75%
View
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 16, 2026
Details

Minimum Opening Deposit $500.00

Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
48 Month Share Certificate
$0
2.65%
View
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Gateway Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 22.88%
48 Month Term Deposit
$1,000
2.50%
View
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 16, 2026
Details

Interest Pays Quarterly

Volunteer State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
4 Year CD/IRA
$0
2.42%
View
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
48 Month Certificate
$0
2.32%
View
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Elizabethton FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
48 Month CD
$500
2.15%
View
▼
Rate2.12%
Min Deposit$500
Min Balance—
UpdatedApr 16, 2026
Details

Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
48 Month Term Certificate Accounts / IRA Certificates
$0
1.40%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Greeneville Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
48 Month Certificate
$0
0.45%
View
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.10%
View
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

$100,000 and over

Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 0.03%
1451 Madison Ave, Memphis, TN 38104
IRA 60-Month Certificate
$0
2.44%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3155 Millbranch Rd, Memphis, TN 38116 1917
60 Month Share Certificates (CDs)
$0
1.75%
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
60 Month Certificate Account
$0
3.80%
View
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.15%
60 Month Share Certificate IRA
$1,000
3.60%
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 16, 2026
Details

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
IRA 5 Year Certificate
$0
3.56%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

($50,000 or more)

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
60-Month Share Certificate
$100,000
3.50%
View
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 16, 2026
Details

$100,000 Minimum to Earn APY

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
60 Month Certificate
$0
3.40%
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Heritage South Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
60 Month Certificate
$0
3.39%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
60-Mo Trad/Roth IRA CD
$2,500
3.20%
View
▼
Rate3.15%
Min Deposit$2,500
Min Balance—
UpdatedApr 16, 2026
Details

MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
60 Month Share Certificate
$0
3.03%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
60 Month Certificates
$0
2.75%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Homeland Community Bank
Institution Rating:
C+4.2 ★Texas Ratio: 24.87%
60 Month CD
$500
2.70%
View
▼
Rate2.70%
Min Deposit$500
Min Balance—
UpdatedApr 16, 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%
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 16, 2026
Details

First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
60 Month CD
$1,000
2.64%
View
▼
Rate2.62%
Min Deposit$1,000
Min Balance—
UpdatedApr 16, 2026
Details

Gateway Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 22.88%
60 Month Term Deposit
$1,000
2.50%
View
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 16, 2026
Details

Interest Pays Quarterly

Volunteer State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
5 Year CD/IRA
$0
2.47%
View
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
60 Month Certificate
$0
2.32%
View
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Elizabethton FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
60 Month CD
$500
2.15%
View
▼
Rate2.12%
Min Deposit$500
Min Balance—
UpdatedApr 16, 2026
Details

Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
60 Month Term Certificate Accounts / IRA Certificates
$0
1.50%
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Greeneville Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
60 Month Certificate
$0
0.50%
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.

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

Top CD Rates from Memphis, Tennessee Institutions

Highest verified APYs available today — updated April 16, 2026

B Top 5 Bank Rates
Financial Federal Bank
12 Month CD
A+ 5.0 ★ TX: 0.01%
Min: $1,000
3.85%
FirstBank (TN)
6 Month CD
A 5.0 ★ TX: 6.39%
Min: $0
3.80%
Simmons Bank
6-month CD
A+ 5.0 ★ TX: 2.50%
Min: $50,000
3.65%
First National Bank of Eastern Arkansas
2 Year CD
A+ 5.0 ★ TX: 3.22%
Min: $1,000
3.29%
U T
12 Month Add-On Certificate
A+ 5.0 ★ TX: 4.31%
Min: $10,000
2.00%
CU Top 5 Credit Union Rates
Firefighters First Federal Credit Union
Dream Home Share Certificate 2 Year Retirement Share Certificate
A+ 5.0 ★ TX: 1.58%
Min: $0
4.10%
Memphis City Employees Credit Union
12 Month CD
A+ 5.0 ★ TX: 1.83%
Min: $0
3.65%
Nucor Employees Credit Union
Certificates minimum) 12 Month
A+ 5.0 ★ TX: 1.73%
Min: $0
3.40%
Methodist Healthcare Federal Credit Union
12 month IRA Ctf
A+ 5.0 ★ TX: 2.12%
Min: $0
3.20%
Orion Federal Credit Union
6 Month Share Certificates (CDs)
A+ 5.0 ★ TX: 2.42%
Min: $0
3.00%
Rates verified April 16, 2026 — Click an institution name to view its full profile, safety ratings, and all CD terms.

Memphis, TN CD Rate Trends

Compare local Memphis, 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.

View Full Tennessee CD Trends →
12-Month CD — TN Avg
2.542%
▲ 0.029 vs 7 days ago

Tennessee 12-month CD rates rose 0.029 points over the past 7 days to 2.542% APY.

6-Month CD — TN Avg
2.529%
▲ 0.001 vs 7 days ago

Tennessee 6-month CD rates rose 0.001 points over the past 7 days to 2.529% APY.

As of Apr 16, 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
2.542%
6-Month Forecast
2.542%
Range: 2.34% – 2.69%
12-Month Forecast
2.292%
Range: 2.09% – 2.44%

Data inputs: The central forecast uses CME FedWatch implied fed funds path and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Tennessee average 12-month CD APY in our database.

Spread model: The Tennessee 12-month CD average currently trades 1.83% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (Fed holds longer, deposit competition remains high). Lower bound subtracts 0.20% (earlier or deeper rate cuts compress yields faster).

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

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 1.550% $77.48 $154.95 $387.38 $774.75
6-Month CD 2.529% $126.45 $252.89 $632.23 $1,264.45
12-Month CD 2.542% $127.10 $254.19 $635.48 $1,270.95
18-Month CD 2.830% $141.51 $283.02 $707.55 $1,415.10
24-Month CD 2.481% $124.04 $248.07 $620.18 $1,240.35
36-Month CD 2.512% $125.58 $251.16 $627.90 $1,255.80
48-Month CD 2.229% $111.47 $222.94 $557.35 $1,114.70
60-Month CD 2.552% $127.58 $255.16 $637.90 $1,275.80
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 16, 2026.

Sample CD Ladder for Memphis, Tennessee Savers

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

Build Your Ladder →
Rung Term Deposit TN Avg APY Annual Earnings
1 3-Month CD $5,000 1.550% $77.48
2 6-Month CD $5,000 2.529% $126.45
3 12-Month CD $5,000 2.542% $127.10
4 24-Month CD $5,000 2.481% $124.04
5 36-Month CD $5,000 2.512% $125.58
Total ($25,000 invested) $25,000 2.323% blended $580.65/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.

55
Institutions
in Memphis, Tennessee
22 Banks 33 Credit Unions

About Our Memphis, Tennessee CD Rate Database

MonitorBankRates tracks CD rates from 22 banks and 33 credit unions with locations in Memphis, 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: Firefighters First Federal Credit Union offers a CD at 4.10% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Memphis, Tennessee.

How to Find the Best CD Rates in Memphis, Tennessee

What to compare when shopping for a CD in Memphis, Tennessee

To find the best APYs in Memphis, Tennessee, start with credit unions and online-only banks — Memphis, Tennessee has 33 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 Memphis, 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 Memphis, Tennessee — 55 institutions here report CD rates

Consider an Alternative If…

Memphis, Tennessee Financial Snapshot

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

Population 65+
14.4%
National avg: 17.3%
Median Individual Earnings
$36,624
National avg: $47,340
Poverty Rate
23.1%
National avg: 11.1%
Unemployment Rate
8.3%
National avg: 4.8%
CD Earnings on 10% of Salary
$93/yr
At TN 12-mo avg 2.542% APY

14.4% of residents are 65 or older — below the national average of 17.3%; an unemployment rate of 8.3% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s TN 12-month CD average of 2.542%, saving 10% of the local median salary ($3,662/year) and putting it in a CD would earn an additional $93 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 Memphis, 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 Memphis, Tennessee

Are CD rates in Memphis, Tennessee FDIC insured?

Yes, most established banks in Memphis, 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 Memphis, 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 Memphis, 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 Memphis, 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 Memphis, Tennessee?

Here are recent top rates found for this area:
  • Firefighters First Federal Credit Union: 4.10% APY (Dream Home Share Certificate 2 Year Retirement Share Certificate)
  • Financial Federal Bank: 3.85% APY (12 Month CD)
  • FirstBank (TN): 3.80% APY (6 Month CD)
  • Simmons Bank: 3.65% APY (6-month CD)
  • Memphis City Employees Credit Union: 3.65% APY (12 Month CD)
  • Nucor Employees Credit Union: 3.40% APY (Certificates minimum) 12 Month)
  • First National Bank of Eastern Arkansas: 3.29% APY (1 Year CD)
  • Methodist Healthcare Federal Credit Union: 3.20% APY (12 month IRA Ctf)
  • Orion Federal Credit Union: 3.00% APY (6 Month Share Certificates (CDs))
  • FedTrust Federal Credit Union: 2.78% APY (Certificate 1 Year)
Rates reflect recent verified offers available in Memphis, Tennessee. Last Updated: April 16, 2026

CD Calculators for Memphis, Tennessee

Memphis, Tennessee CD Calculator

At today’s TN top rate of 4.10% APY, a $10,000 deposit earns $410 in the first year. Enter your amount to see your exact return.

Memphis, Tennessee CD Ladder

TN CD rates currently range from 1.550% (3-month) to 2.512% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Memphis, Tennessee CD at 4.10% 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 Savings

Tennessee’s average 12-month CD is 2.542% 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 Memphis, 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 Memphis, 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 16, 2026

Memphis, Tennessee Rates & Resources

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