CD Rates Murfreesboro, 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 Murfreesboro, Tennessee CD rates include Republic Bank & Trust CompanyRepublic Bank & Trust Company1141 Fortress Blvd, Murfreesboro, TN 37128A+5.0 ★Texas Ratio: 0.00%Real return: +1.20%APY minus CPI (February 2026) offering IRA - Individual Retirement Accounts 6-Month at 4.00% APY, FirstBank (TN)FirstBank (TN)615 Memorial Blvd, Murfreesboro, TN 37129A5.0 ★Texas Ratio: 6.39%Real return: +1.00%APY minus CPI (February 2026) offering 6 Month CD at 3.80% APY, Cornerstone Financial Credit UnionCornerstone Financial Credit Union130 W Northfield Blvd, Murfreesboro, TN 37129A5.0 ★Texas Ratio: 6.66%Real return: +0.85%APY minus CPI (February 2026) offering 12-Month Certificate at 3.65% APY, United Community BankUnited Community Bank1835 E Northfield Blvd, Murfreesboro, TN 37130A+5.0 ★Texas Ratio: 3.01%Real return: +0.85%APY minus CPI (February 2026) offering 6-month CD at 3.65% APY, and Ascend Federal Credit UnionAscend Federal Credit Union1250 W Clark Blvd, Murfreesboro, TN 37129 2300A+5.0 ★Texas Ratio: 2.48%Real return: +0.70%APY minus CPI (February 2026) offering IRA Accumulation Share Certificate 12 Month IRA Variable at 3.50% APY. CD rates as of April 12, 2026 according to verified data from MonitorBankRates.
Murfreesboro has 38 local institutions in our database, with CD rates as high as 4.00% APY from Republic Bank & Trust Company at 1141 Fortress Blvd, Murfreesboro, TN 37128. 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 12, 2026
Compare Best CD Rates in Murfreesboro, Tennessee & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1111 N Maple St, Murfreesboro, TN 37130
3 Month Certificates of Deposit (Regular & IRAs)
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
130 W Northfield Blvd, Murfreesboro, TN 37129
3-Month Certificate
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Volunteer State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
2240 Medical Center Pkwy, Murfreesboro, TN 37129
3 Month CD/IRA
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2110 Memorial Boulevard, Murfreesboro, TN 37129
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
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 12, 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%
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 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%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 2026
Details
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 12, 2026
Details
($500.00 MINOR)
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 12, 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 12, 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 12, 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 12, 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 12, 2026
Details
$500 Minimum. Loss of dividend penalty for early withdrawal.
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1141 Fortress Blvd, Murfreesboro, TN 37128
IRA - Individual Retirement Accounts 6-Month
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
FirstBank (TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
615 Memorial Blvd, Murfreesboro, TN 37129
6 Month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
United Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1835 E Northfield Blvd, Murfreesboro, TN 37130
6-month CD
$2,500
3.65%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
130 W Northfield Blvd, Murfreesboro, TN 37129
6-Month Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Heritage South Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
839 W College St, Murfreesboro, TN 37129 2718
6 Month Certificate
$0
3.43%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1111 N Maple St, Murfreesboro, TN 37130
6 Month Certificates of Deposit (Regular & IRAs)
$0
3.17%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Volunteer State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
2240 Medical Center Pkwy, Murfreesboro, TN 37129
6 Month CD/IRA
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2110 Memorial Boulevard, Murfreesboro, TN 37129
6 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 2026
Details
As High As
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 12, 2026
Details
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 12, 2026
Details
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 12, 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 12, 2026
Details
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
6 Month CD
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 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%
6-Month Share Certificate
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
$100,000 Minimum to Earn APY
Rate3.30%
Min Deposit$25,000
Min Balance—
UpdatedApr 12, 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 12, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
6 Month Certificate (monthly dividends) Jumbo Certificate
$50,000
3.25%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 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 12, 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 12, 2026
Details
Rate2.90%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 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 12, 2026
Details
($500.00 MINOR)
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 12, 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 12, 2026
Details
($100,000+)
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Shelby County Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
Share Certificate Account 6 Month
$1,000
2.00%
▼
Rate2.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
Certificates minimum) 6 Month
$0
1.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
$1,000
Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
6 Month Term Certificate Accounts / IRA Certificates
$0
1.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
6 Month CD
$1,000
1.00%
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
DreamBuilder 6 Month Certificate
$100
0.50%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 12, 2026
Details
Greeneville Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
IRA Certificates 6 Month
$0
0.15%
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Kennedy VA Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
6 Month Term Account
$5,000
0.07%
▼
Rate0.07%
Min Deposit$5,000
Min Balance—
UpdatedApr 12, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
6-month automatic saver CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
130 W Northfield Blvd, Murfreesboro, TN 37129
12-Month Certificate
$500
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
1250 W Clark Blvd, Murfreesboro, TN 37129 2300
IRA Accumulation Share Certificate 12 Month IRA Variable
$5
3.50%
▼
Rate3.45%
Min Deposit$5
Min Balance—
UpdatedApr 12, 2026
Details
Heritage South Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
839 W College St, Murfreesboro, TN 37129 2718
12 Month Certificate
$0
3.44%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1111 N Maple St, Murfreesboro, TN 37130
12 Month Certificates of Deposit (Regular & IRAs)
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Volunteer State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
2240 Medical Center Pkwy, Murfreesboro, TN 37129
12 Month CD/IRA
$0
2.63%
▼
Rate2.60%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2110 Memorial Boulevard, Murfreesboro, TN 37129
1 year Standard Fixed Rate CD
$2,500
1.51%
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1141 Fortress Blvd, Murfreesboro, TN 37128
IRA - Individual Retirement Accounts 12-Month
$1,000
1.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
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 12, 2026
Details
$10,000 - $49,999.99
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 2026
Details
Rate3.73%
Min Deposit$500
Min Balance—
UpdatedApr 12, 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%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 12, 2026
Details
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
12 Month CD
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 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 12, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
12-Month Share Certificate
$100,000
3.40%
▼
Rate3.35%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
$100,000 Minimum to Earn APY
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 12, 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 12, 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 12, 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 12, 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 12, 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%
▼
Rate3.05%
Min Deposit$500
Min Balance—
UpdatedApr 12, 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.
Homeland Community Bank
Institution Rating:
C+4.2 ★Texas Ratio: 24.87%
12 Month CD
$500
2.95%
▼
Rate2.95%
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Minimum Opening Deposit $500.00
FedTrust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Certificate 1 Year
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
12 Month Share Certificates (CDs)
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
12 Month Certificate
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Knoxville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
12 Month Share Certificate
$0
2.25%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
($1,000-$49,999)
Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
12 Month Term Certificate Accounts / IRA Certificates
$0
2.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
Appy Youth 12 Month Certificate
$0
2.05%
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Rate1.98%
Min Deposit$10,000
Min Balance—
UpdatedApr 12, 2026
Details
($100 MIN)?
Kennedy VA Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
12 Month Term Account
$1,500
1.00%
▼
Rate1.00%
Min Deposit$1,500
Min Balance—
UpdatedApr 12, 2026
Details
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%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Greeneville Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
12 Month Certificate
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
1-year convertible CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Qualifying balance up to $49,000.00
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
130 W Northfield Blvd, Murfreesboro, TN 37129
18-Month Certificate
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1111 N Maple St, Murfreesboro, TN 37130
18 Month Certificates of Deposit (Regular & IRAs)
$0
2.85%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1141 Fortress Blvd, Murfreesboro, TN 37128
IRA - Individual Retirement Accounts 18-Month
$1,000
2.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Volunteer State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
2240 Medical Center Pkwy, Murfreesboro, TN 37129
18 Month CD/IRA
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 2026
Details
$100,000 and over
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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
18 Month Certificate Account with Rewards
$500
3.35%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 12, 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 12, 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 12, 2026
Details
($100,000+)
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 12, 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 12, 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 12, 2026
Details
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 12, 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 12, 2026
Details
Minimum Opening Deposit $500.00
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 12, 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 12, 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 12, 2026
Details
Rate2.30%
Min Deposit$1
Min Balance—
UpdatedApr 12, 2026
Details
Horizon Credit Union Kingsport, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
IRA - 18 Month Certificate
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
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 12, 2026
Details
Rate1.54%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Greeneville Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
18 Month Certificate
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Kennedy VA Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
18 Month IRA
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
130 W Northfield Blvd, Murfreesboro, TN 37129
24-Month Certificate
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1111 N Maple St, Murfreesboro, TN 37130
24 Month Certificates of Deposit (Regular & IRAs)
$0
2.75%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Volunteer State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
2240 Medical Center Pkwy, Murfreesboro, TN 37129
2 Year CD/IRA
$0
2.42%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
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 12, 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 12, 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 12, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
IRA 24 Month Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 2026
Details
$100,000 Minimum to Earn APY
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
24 Month CD
$0
3.39%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
24 Month Certificate Account
$500
3.30%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 12, 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 12, 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 12, 2026
Details
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 2026
Details
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 12, 2026
Details
Knoxville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
24 Month Share Certificate
$0
2.50%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
($1,000-$49,999)
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 12, 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 12, 2026
Details
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 12, 2026
Details
Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
24 Month Term Certificate Accounts / IRA Certificates
$0
1.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Greeneville Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
24 Month Certificate
$0
0.35%
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1141 Fortress Blvd, Murfreesboro, TN 37128
IRA - Individual Retirement Accounts 36-Month
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1111 N Maple St, Murfreesboro, TN 37130
36 Month Certificates of Deposit (Regular & IRAs)
$0
2.50%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Volunteer State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
2240 Medical Center Pkwy, Murfreesboro, TN 37129
3 Year CD/IRA
$0
2.37%
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
130 W Northfield Blvd, Murfreesboro, TN 37129
36-Month Certificate
$500
2.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
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 12, 2026
Details
Rate3.73%
Min Deposit$500
Min Balance—
UpdatedApr 12, 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%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 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 12, 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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
($50,000 or more)
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.83%
36 Month CD
$0
3.49%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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 12, 2026
Details
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
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 12, 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 12, 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%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 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 12, 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 12, 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 12, 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 12, 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%
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1141 Fortress Blvd, Murfreesboro, TN 37128
IRA - Individual Retirement Accounts 48-Month
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1111 N Maple St, Murfreesboro, TN 37130
48 Month Certificates of Deposit (Regular & IRAs)
$0
2.50%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Volunteer State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
2240 Medical Center Pkwy, Murfreesboro, TN 37129
4 Year CD/IRA
$0
2.42%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
130 W Northfield Blvd, Murfreesboro, TN 37129
48-Month Certificate
$500
2.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 12, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
48 Month Certificate Account
$0
3.70%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
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 12, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
IRA 48 Month Certificate
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 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%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 12, 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%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 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 12, 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%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 2026
Details
Rate2.12%
Min Deposit$500
Min Balance—
UpdatedApr 12, 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 12, 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 12, 2026
Details
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 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1141 Fortress Blvd, Murfreesboro, TN 37128
IRA - Individual Retirement Accounts 60-Month
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 12, 2026
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Heritage South Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
839 W College St, Murfreesboro, TN 37129 2718
60 Month Certificate
$0
3.39%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1111 N Maple St, Murfreesboro, TN 37130
60 Month Certificates of Deposit (Regular & IRAs)
$0
2.50%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
Volunteer State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
2240 Medical Center Pkwy, Murfreesboro, TN 37129
5 Year CD/IRA
$0
2.47%
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
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 12, 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%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
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 12, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
IRA 5 Year Certificate
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 2026
Details
($50,000 or more)
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 12, 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%
▼
Rate3.15%
Min Deposit$2,500
Min Balance—
UpdatedApr 12, 2026
Details
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 12, 2026
Details
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
60 Month Certificates
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 12, 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 12, 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 12, 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 12, 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 12, 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 12, 2026
Details
Rate2.12%
Min Deposit$500
Min Balance—
UpdatedApr 12, 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 12, 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 12, 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 12, 2026
Details
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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.
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Murfreesboro, TN CD Rate Trends
Compare local Murfreesboro, 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
2.513%
Unchanged vs 7 days ago
Tennessee 12-month CD rates currently average 2.513% APY based on data from institutions in our monitoring network.
6-Month CD — TN Avg
2.528%
Unchanged vs 7 days ago
Tennessee 6-month CD rates currently average 2.528% APY based on data from institutions in our monitoring network.
As of Apr 12, 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
2.513%
6-Month Forecast
2.513%
Range: 2.31% – 2.66%
12-Month Forecast
2.263%
Range: 2.06% – 2.41%
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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 | 1.569% | $78.43 | $156.86 | $392.15 | $784.30 |
| 6-Month CD | 2.528% | $126.41 | $252.82 | $632.05 | $1,264.10 |
| 12-Month CD | 2.513% | $125.67 | $251.33 | $628.33 | $1,256.65 |
| 18-Month CD | 2.814% | $140.69 | $281.37 | $703.43 | $1,406.85 |
| 24-Month CD | 2.485% | $124.25 | $248.49 | $621.23 | $1,242.45 |
| 36-Month CD | 2.449% | $122.46 | $244.92 | $612.30 | $1,224.60 |
| 48-Month CD | 2.227% | $111.33 | $222.66 | $556.65 | $1,113.30 |
| 60-Month CD | 2.550% | $127.50 | $255.00 | $637.50 | $1,275.00 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of April 12, 2026. | |||||
Sample CD Ladder for Murfreesboro, 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 | 1.569% | $78.43 |
| 2 | 6-Month CD | $5,000 | 2.528% | $126.41 |
| 3 | 12-Month CD | $5,000 | 2.513% | $125.67 |
| 4 | 24-Month CD | $5,000 | 2.485% | $124.25 |
| 5 | 36-Month CD | $5,000 | 2.449% | $122.46 |
| Total ($25,000 invested) | $25,000 | 2.309% blended | $577.22/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 Murfreesboro, Tennessee
in Murfreesboro, Tennessee
20 Banks
35 Credit Unions
About Our Murfreesboro, Tennessee CD Rate Database
MonitorBankRates tracks CD rates from 20 banks and 35 credit unions with locations in Murfreesboro, 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: Republic Bank & Trust Company offers a CD at 4.00% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Murfreesboro, Tennessee.
How to Find the Best CD Rates in Murfreesboro, Tennessee
What to compare when shopping for a CD in Murfreesboro, Tennessee
To find the best APYs in Murfreesboro, Tennessee, start with credit unions and online-only banks — Murfreesboro, Tennessee has 35 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 Murfreesboro, 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 Murfreesboro, Tennessee — 55 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Murfreesboro, Tennessee savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Murfreesboro, Tennessee money market rates
Murfreesboro, Tennessee Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
Population 65+
10.6%
National avg: 17.3%
Median Individual Earnings
$41,578
National avg: $47,340
Poverty Rate
8.8%
National avg: 11.1%
Unemployment Rate
4.3%
National avg: 4.8%
CD Earnings on 10% of Salary
$104/yr
At TN 12-mo avg 2.513% APY
10.6% of residents are 65 or older — below the national average of 17.3%. At today’s TN 12-month CD average of 2.513%, saving 10% of the local median salary ($4,157/year) and putting it in a CD would earn an additional $104 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 Murfreesboro, 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 Murfreesboro, Tennessee
Are CD rates in Murfreesboro, Tennessee FDIC insured?
Yes, most established banks in Murfreesboro, 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 Murfreesboro, 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 Murfreesboro, 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 Murfreesboro, 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 Murfreesboro, Tennessee?
Here are recent top rates found for this area:
- Republic Bank & Trust Company: 4.00% APY (IRA - Individual Retirement Accounts 6-Month)
- FirstBank (TN): 3.80% APY (6 Month CD)
- Cornerstone Financial Credit Union: 3.65% APY (12-Month Certificate)
- United Community Bank: 3.65% APY (6-month CD)
- Ascend Federal Credit Union: 3.50% APY (IRA Accumulation Share Certificate 12 Month IRA Variable)
- Heritage South Community Credit Union: 3.44% APY (12 Month Certificate)
- First Commerce Bank Lewisburg, TN: 3.29% APY (3 Month Certificates of Deposit (Regular & IRAs))
- Volunteer State Bank: 2.78% APY (6 Month CD/IRA)
- Wells Fargo: 1.51% APY (1 year Standard Fixed Rate CD)
- Firefighters First Federal Credit Union: 4.10% APY (Dream Home Share Certificate 5 Year Retirement Share Certificate)
Rates reflect recent verified offers available in Murfreesboro, Tennessee. Last Updated: April 12, 2026
CD Calculators for Murfreesboro, Tennessee
Murfreesboro, Tennessee CD Calculator
At today’s TN top rate of 4.00% APY, a $10,000 deposit earns $400 in the first year. Enter your amount to see your exact return.
Murfreesboro, Tennessee CD LadderTN CD rates currently range from 1.569% (3-month) to 2.449% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Murfreesboro, Tennessee CD at 4.00% 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 2.513% 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 Murfreesboro, 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 Murfreesboro, 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 12, 2026
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