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CD Rate Trends

New Market, Tennessee Best CD Rates September 2026

Current New Market, Tennessee CD rates include Hope Federal Credit Union Jackson, MSHope Federal Credit Union Jackson, MSA5.0 ★Texas Ratio: 6.51%Real return: +1.67%APY minus CPI (February 2026) offering 60 Month Jumbo Share Certificates (CDs) at 4.47% APY, Collegedale Credit UnionCollegedale Credit UnionA+5.0 ★Texas Ratio: 0.21%Real return: +1.53%APY minus CPI (February 2026) offering 6 Month IRA Certificate at 4.33% APY, Austin Capital BankAustin Capital BankA+5.0 ★Texas Ratio: 2.96%Real return: +1.52%APY minus CPI (February 2026) offering 3 Month CD at 4.32% APY, US Community Credit UnionUS Community Credit UnionA+5.0 ★Texas Ratio: 3.85%Real return: +1.48%APY minus CPI (February 2026) offering IRA 5 Year Certificate at 4.28% APY, and Chattanooga Federal Employees Credit UnionChattanooga Federal Employees Credit UnionA+5.0 ★Texas Ratio: 3.20%Real return: +1.47%APY minus CPI (February 2026) offering 12 Month Certificate at 4.27% APY. CD rates as of September 22, 2026 according to verified data from MonitorBankRates.

New Market is a smaller community with no bank or credit union branches currently in our database. 723 institutions serving the Tennessee area are available to New Market residents, with CD rates as high as 4.47% APY from Hope Federal Credit Union Jackson, MS. Rates are continually updated, so we recommend checking back frequently.

The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: September 22, 2026

Compare Best CD Rates in New Market, Tennessee & the Surrounding Area

New Market 3 Month CD Rates

National 3 Month CD Average2.06% APYUnchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month CD
$1,000
4.32% ▲ 2.26% above national avg
Rate4.25%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 2.26% above avg
Details

UP to $99,999.99

Cornerstone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
3-Month Certificate
$0
4.10% ▲ 2.04% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 2.04% above avg
Details

Compound frequency at maturity. Penalty equal to 90 days of dividends.

Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
3 Month Share Certificate Account
$1,000
3.87% ▲ 1.81% above national avg
Rate3.80%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.81% above avg
Details

TNConnect Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Tailored Certificate - 3 month
$0
3.75% ▲ 1.69% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.69% above avg
Details

ORNL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
3 Month Certificate
$0
3.75% ▲ 1.69% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 1.69% above avg
Details

Term: 3 months through 5 months; Balances of $500.00-$99,999.99

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
3 Month Business Share Certificate
$1,000
3.66% ▲ 1.60% above national avg
Rate3.60%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.60% above avg
Details

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
3 Month Regular, Business and / or IRA Share Certificate
$1,000
3.66% ▲ 1.60% above national avg
Rate3.60%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.06%▲ 1.60% above avg
Details

Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Share Certificate - 3 Month
$1,000
3.60% ▲ 1.54% above national avg
Rate3.54%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.54% above avg
Details

Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
3 Month Share Certificate
$1,000
3.59% ▲ 1.53% above national avg
Rate3.59%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.53% above avg
Details

Balance: $1,000-$74,999

Veritas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
3 Month Certificate
$0
3.55% ▲ 1.49% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.49% above avg
Details

Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
3 Month Certificate
$0
3.50% ▲ 1.44% above national avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 1.44% above avg
Details

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
3 Month Certificate
$0
3.50% ▲ 1.44% above national avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 1.44% above avg
Details

First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
3 Month Certificate
$0
3.29% ▲ 1.23% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.23% above avg
Details

First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
3 Month IRA Certificate
$0
3.29% ▲ 1.23% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.06%▲ 1.23% above avg
Details

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
3 Month Certificate
$100,000
3.04% ▲ 0.98% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.98% above avg
Details

quarterly dividends

MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
Share Certificate Dividends 3 Month
$0
3.03% ▲ 0.97% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.97% above avg
Details

The Tennessee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
3 Month Classic Share Certificate
$0
3.00% ▲ 0.94% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.94% above avg
Details

Dividends Paid: Monthly

The Tennessee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
3 Month Share Certificate
$0
3.00% ▲ 0.94% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.94% above avg
Details

Dividends Credited: Monthly

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
3 Month Certificate
$500
2.99% ▲ 0.93% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.93% above avg
Details

quarterly dividends

Knoxville Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
3 Month Share Certificate
$1,000
2.79% ▲ 0.73% above national avg
Rate2.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.06%▲ 0.73% above avg
Details

MINOR: $500.00

City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
3 Month CD
$0
2.78% ▲ 0.72% above national avg
Rate2.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▲ 0.72% above avg
Details

Term: 3 months (90 to 179 days)

Volunteer State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
3 Month CD / IRA
$0
2.52% ▲ 0.46% above national avg
Rate2.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.46% above avg
Details

Volunteer State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
3 Month CD/IRA
$0
2.52% ▲ 0.46% above national avg
Rate2.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.06%▲ 0.46% above avg
Details

First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
3 Month CDs (Certificates)
$100
2.18% ▲ 0.12% above national avg
Rate2.16%
Min Deposit$100
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▲ 0.12% above avg
Details

Monthly Interest / Monthly Check - Posted rate less .20% APY. Additional deposits are permitted to share certificates up to 10 days after open/renewal date.

Home Federal Bank of Tennessee
Institution Rating:
A5.0 ★Texas Ratio: 12.75%
3 Month Certificate of Deposit
$0
2.00% ▼ 0.06% below national avg
Rate1.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.06% below avg
Details

Interest Credited Monthly; Penalty: 2 MO

First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
1 - 3 Month CD
$1,000
1.76% ▼ 0.30% below national avg
Rate1.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.06%▼ 0.30% below avg
Details

First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.41%
3 Month Build IT CD
$0
1.35% ▼ 0.71% below national avg
Rate1.31%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 0.71% below avg
Details

Balance: $100 to $999.99; Once the Build-IT CD has reached a balance greater than $999.99, it will be rolled into a regular CD of the same term. Penalties for early withdrawals may apply. Rates are subject to change without notice, please see for complete details. Federally insured by NCUA.

The Tennessee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
3 Month Business Share Certificates
$0
1.25% ▼ 0.81% below national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 0.81% below avg
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
Share Ctf 3 month
$0
1.15% ▼ 0.91% below national avg
Rate1.15%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 0.91% below avg
Details

Balance: $50,000.00+

Collegedale Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
3 Month IRA Certificate
$0
1.06% ▼ 1.00% below national avg
Rate1.05%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 1.00% below avg
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
Share Ctf 3 month
$0
1.05% ▼ 1.01% below national avg
Rate1.05%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 1.01% below avg
Details

Balance: $10,000 - $49,999

First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
90 Day Certificate
$0
0.95% ▼ 1.11% below national avg
Rate0.95%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.11% below avg
Details

Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.89%
Share Ctf 3 month
$0
0.95% ▼ 1.11% below national avg
Rate0.95%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 1.11% below avg
Details

Balance: $500.00 - $999.99

FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
3 Month Share Certificates
$0
0.65% ▼ 1.41% below national avg
Rate0.65%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 1.41% below avg
Details

Balance: $50,000 and over

FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
3 Month Share Certificates
$0
0.55% ▼ 1.51% below national avg
Rate0.55%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.06%▼ 1.51% below avg
Details

Balance: $500 - $49,999.99

Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Month IRA Certificate
$500
0.50% ▼ 1.56% below national avg
Rate0.50%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.56% below avg
Details

Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Jumbo Share/IRA Certificate 3 Month
$100,000
0.50% ▼ 1.56% below national avg
Rate0.50%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 1.56% below avg
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
90 Day Certificate
$500
0.50% ▼ 1.56% below national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 1.56% below avg
Details

U T
Institution Rating:
A+5.0 ★Texas Ratio: 1.19%
3 Month Certificate
$0
0.45% ▼ 1.61% below national avg
Rate0.45%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 1.61% below avg
Details

Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
90 Day Certificate
$500
0.20% ▼ 1.86% below national avg
Rate0.20%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 1.86% below avg
Details

Loss of dividend penalty for early withdrawal.

Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
3 Month Certificates of Deposit (CDs)
$1,000
0.10% ▼ 1.96% below national avg
Rate0.10%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.06%▼ 1.96% below avg
Details

EPB Employees Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.53%
3-Month CD
$0
0.10% ▼ 1.96% below national avg
Rate0.10%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.06%▼ 1.96% below avg
Details

Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
3 Month Share Certificate
$2,000
0.10% ▼ 1.96% below national avg
Rate
Min Deposit$2,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.06%▼ 1.96% below avg
Details

Penalty for early withdrawal may apply. No additional deposits allowed until end of term.

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
3 month Standard Interest Rate
$2,500
0.06% ▼ 2.00% below national avg
Rate0.06%
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.00% below avg
Details

Early withdrawal penalties may apply.

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 6.32%
3 month Standard Fixed Rate CD
$2,500
0.05% ▼ 2.01% below national avg
Rate0.05%
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.06%▼ 2.01% below avg
Details

Relationship APY 0.06%. Early withdrawal penalties may apply.

New Market 6 Month CD Rates

National 6 Month CD Average2.76% APYUnchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Collegedale Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
6 Month IRA Certificate
$0
4.33% ▲ 1.57% above national avg
Rate4.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.57% above avg
Details

BASF Chattanooga Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.08%
6 Month Certificate
$500
4.25% ▲ 1.49% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.49% above avg
Details

BCBST Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
180 Day Share Certificate
$1,000
4.16% ▲ 1.40% above national avg
Rate4.10%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.40% above avg
Details

Cornerstone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
6-Month Certificate
$0
4.10% ▲ 1.34% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.34% above avg
Details

Compound frequency at maturity. Penalty equal to 90 days of dividends.

Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
6 Month CD
$1,000
4.06% ▲ 1.30% above national avg
Rate4.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.30% above avg
Details

Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
6 Month Certificate of Deposit
$0
4.06% ▲ 1.30% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.30% above avg
Details

Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
6 Month Certificate
$0
4.06% ▲ 1.30% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.30% above avg
Details

Financial Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
6 MONTH CD
$1,000
4.05% ▲ 1.29% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.29% above avg
Details

Minimum Opening balance of $1000 required.

Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month CD
$1,000
4.04% ▲ 1.28% above national avg
Rate4.00%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.28% above avg
Details

UP to $99,999.99

City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
Special 6-Month Fixed Rate
$0
4.00% ▲ 1.24% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details

Term: Special 6-Month Fixed Rate2

Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
6 Month IRA Certificate
$500
4.00% ▲ 1.24% above national avg
Rate3.93%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details

Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Jumbo Share/IRA Certificate 6 Month
$100,000
4.00% ▲ 1.24% above national avg
Rate3.93%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 1.24% above avg
Details

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
6 Month Share Certificate
$0
4.00% ▲ 1.24% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details

$50,000 & up; Dividends Paid Monthly

EPB Employees Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.53%
6-Month CD
$0
3.95% ▲ 1.19% above national avg
Rate3.95%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.19% above avg
Details

SouthEast Bank
Institution Rating:
C4.0 ★Texas Ratio: 27.13%
6-Month CD Special
$1,000
3.90% ▲ 1.14% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.14% above avg
Details

Interest Compounded & Credited: Quarterly

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month Certificates of Deposit
$1,000
3.90% ▲ 1.14% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.14% above avg
Details

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - Certificates of Deposit - 6 Month
$0
3.90% ▲ 1.14% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.14% above avg
Details

TRUST Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
6-Month Share Certificate
$500
3.90% ▲ 1.14% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.14% above avg
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
Jumbo Certificate - 6 Months Fixed
$0
3.87% ▲ 1.11% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.11% above avg
Details

Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
6 Month IRA Certificate
$2,000
3.87% ▲ 1.11% above national avg
Rate3.80%
Min Deposit$2,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.11% above avg
Details

Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
6 Month Share Certificate Account
$1,000
3.87% ▲ 1.11% above national avg
Rate3.80%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.11% above avg
Details

First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
6 Month CD
$1,000
3.80% ▲ 1.04% above national avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 1.04% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month CD - Certificates of Deposit
$0
3.80% ▲ 1.04% above national avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.04% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month Certificates of Deposit
$1,000
3.80% ▲ 1.04% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.04% above avg
Details

All rates are Annual Percentage Yields.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - Certificates of Deposit - 6 Month
$0
3.80% ▲ 1.04% above national avg
Rate3.73%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.04% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 6 Month
$1,000
3.80% ▲ 1.04% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.04% above avg
Details

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts - 6-Month
$1,000
3.80% ▲ 1.04% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.04% above avg
Details

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

Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
6 Month Share Certificate
$1,000
3.79% ▲ 1.03% above national avg
Rate3.79%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.03% above avg
Details

Balance: $1,000-$74,999

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month Certificates of Deposit
$1,000
3.75% ▲ 0.99% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.99% above avg
Details

All rates are Annual Percentage Yields.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - Certificates of Deposit - 6 Month
$0
3.75% ▲ 0.99% above national avg
Rate3.68%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.99% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 6 Month
$1,000
3.75% ▲ 0.99% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.99% above avg
Details

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
6 Month Business Share Certificates
$0
3.75% ▲ 0.99% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.99% above avg
Details

Balance: $100,000 and over

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
6 Month Share Certificates
$0
3.75% ▲ 0.99% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.99% above avg
Details

Balance: $100,000 and over

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates 6 Month
$100,000
3.75% ▲ 0.99% above national avg
Rate3.69%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.99% above avg
Details

Kimberly Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
6 Month Share Certificate
$0
3.75% ▲ 0.99% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.99% above avg
Details

TNConnect Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Tailored Certificate - 6 month
$0
3.75% ▲ 0.99% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details

ORNL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
6 Month Certificate
$0
3.75% ▲ 0.99% above national avg
Rate3.69%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.99% above avg
Details

Term: 6 months through 11 months; Balances of $500.00-$99,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
6 Month Business Share Certificates
$0
3.70% ▲ 0.94% above national avg
Rate3.64%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.94% above avg
Details

Balance: $50,000 - $99,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
6 Month Share Certificates
$0
3.70% ▲ 0.94% above national avg
Rate3.64%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.94% above avg
Details

Balance: $50,000 - $99,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
6 Month Traditional/Roth IRA Certificates
$50,000
3.70% ▲ 0.94% above national avg
Rate3.64%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.94% above avg
Details

Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.47%
6-month CD
$0
3.65% ▲ 0.89% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.89% above avg
Details

New Money; Open now; Open in branch

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
6 Month Business Share Certificates
$0
3.65% ▲ 0.89% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.89% above avg
Details

Balance: $1,000 - $49,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
6 Month Share Certificates
$0
3.65% ▲ 0.89% above national avg
Rate3.59%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.89% above avg
Details

Balance: $1,000 - $49,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates - 6 Month
$1,000
3.65% ▲ 0.89% above national avg
Rate3.59%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.89% above avg
Details

Bowater Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
6-month Term Share Account (TSA)
$0
3.63% ▲ 0.87% above national avg
Rate3.60%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.87% above avg
Details

Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Share Certificate - 6 Month
$1,000
3.60% ▲ 0.84% above national avg
Rate3.54%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.84% above avg
Details

Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
6 Month Certificate
$500
3.60% ▲ 0.84% above national avg
Rate3.60%
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.84% above avg
Details

Early withdrawal penalty = 90 days dividend, earned or not.

Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
6 Month Jumbo Certificate
$250,000
3.60% ▲ 0.84% above national avg
Rate3.55%
Min Deposit$250,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.84% above avg
Details

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
6 Month CERTIFICATE ACCOUNTS/BUSINESS CERTIFICATE ACCOUNTS
$0
3.60% ▲ 0.84% above national avg
Rate3.54%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.84% above avg
Details

Add 0.25% to current dividend certificate rate with at least $10,000 new money OR with direct deposit. Ask for details.

Johnsonville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
6 Month Certificate
$1,000
3.58% ▲ 0.82% above national avg
Rate3.55%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.82% above avg
Details

New Market 12 Month CD Rates

National 12 Month CD Average2.95% APYUnchanged from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Collegedale Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.21%
12 Month IRA Certificate
$0
4.28% ▲ 1.33% above national avg
Rate4.20%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.33% above avg
Details

Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
12 Month Certificate
$0
4.27% ▲ 1.32% above national avg
Rate4.20%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.32% above avg
Details

Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
12 Month Certificates of Deposit (CDs)
$1,000
4.20% ▲ 1.25% above national avg
Rate4.14%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.25% above avg
Details

Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
12-month CD
$1,000
4.20% ▲ 1.25% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.25% above avg
Details

Limited-time offer. New money deposits only. The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. A withdrawal and/or fees may reduce earnings. Interest penalty will be imposed for early withdrawal. The rate and APY is effective as of 8/10/26 and is subject to change on the Bank's discretion.

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
12 Month (Quarterly) Special
$250,000
4.17% ▲ 1.22% above national avg
Rate
Min Deposit$250,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.22% above avg
Details

Special

Sonata Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
12-month CD
$0
4.15% ▲ 1.20% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.20% above avg
Details

City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.66%
Special 12-Month Fixed Rate
$0
4.11% ▲ 1.16% above national avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.16% above avg
Details

Term: Special 12-Month Fixed Rate1

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
12 Month (Quarterly) Special
$2,500
4.11% ▲ 1.16% above national avg
Rate
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.16% above avg
Details

Special

Cornerstone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
12-Month Certificate
$0
4.10% ▲ 1.15% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.15% above avg
Details

Compound frequency semi-annually. Penalty equal to 90 days of dividends.

Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
12 Month Jumbo Share Certificates (CDs)
$1,000
4.07% ▲ 1.12% above national avg
Rate3.99%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.12% above avg
Details

Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
12 Month IRA Certificate
$2,000
4.02% ▲ 1.07% above national avg
Rate3.95%
Min Deposit$2,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.07% above avg
Details

Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
12 Month Share Certificate Account
$1,000
4.02% ▲ 1.07% above national avg
Rate3.95%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.07% above avg
Details

SouthEast Bank
Institution Rating:
C4.0 ★Texas Ratio: 27.13%
12-Month CD Special
$1,000
4.01% ▲ 1.06% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.06% above avg
Details

Interest Compounded & Credited: Quarterly

Elizabethton FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
12 Month CD
$500
4.01% ▲ 1.06% above national avg
Rate3.93%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.06% above avg
Details

Elizabethton FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
IRA 12 Month CD
$500
4.01% ▲ 1.06% above national avg
Rate3.93%
Min Deposit$500
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.95%▲ 1.06% above avg
Details

IRA

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
IRA 12 Month Certificate
$0
4.01% ▲ 1.06% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.06% above avg
Details

IRA Certificate

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Roth IRA 12 Month Certificate
$0
4.01% ▲ 1.06% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.06% above avg
Details

Roth IRA Certificate

Financial Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
12 MONTH CD
$1,000
4.00% ▲ 1.05% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 1.05% above avg
Details

Minimum Opening balance of $1000 required.

Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
12 Month IRA Certificate
$500
4.00% ▲ 1.05% above national avg
Rate3.93%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details

Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Jumbo Share/IRA Certificate 12 Month
$100,000
4.00% ▲ 1.05% above national avg
Rate3.93%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.95%▲ 1.05% above avg
Details

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
IRA Accumulation Share Certificate - 12 Month IRA Variable
$5
4.00% ▲ 1.05% above national avg
Rate3.93%
Min Deposit$5
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 1.05% above avg
Details

Term: 12 Month IRA Variable

BASF Chattanooga Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.08%
12 Month Certificate
$500
4.00% ▲ 1.05% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.05% above avg
Details

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Month Share Certificate
$0
4.00% ▲ 1.05% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.05% above avg
Details

$50,000 & up; Dividends Paid Monthly

BCBST Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Month Share Certificate
$1,000
4.00% ▲ 1.05% above national avg
Rate3.95%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
12 Month CERTIFICATE ACCOUNTS/BUSINESS CERTIFICATE ACCOUNTS
$0
4.00% ▲ 1.05% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.05% above avg
Details

Add 0.25% to current dividend certificate rate with at least $10,000 new money OR with direct deposit. Ask for details.

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
IRA 12 Month Certificate
$0
3.96% ▲ 1.01% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.01% above avg
Details

IRA Certificate

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Roth IRA 12 Month Certificate
$0
3.96% ▲ 1.01% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 1.01% above avg
Details

Roth IRA Certificate

Kimberly Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
12 Month Share Certificate
$0
3.95% ▲ 1.00% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 1.00% above avg
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
Jumbo Certificate - 12 Months Fixed
$0
3.92% ▲ 0.97% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.95%▲ 0.97% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1 Year Retirement Liquid Share Certificates
$0
3.91% ▲ 0.96% above national avg
Rate3.84%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.96% above avg
Details

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
12 Month Certificate
$100,000
3.91% ▲ 0.96% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.96% above avg
Details

quarterly dividends

TRUST Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
12-Month Share Certificate
$500
3.85% ▲ 0.90% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.90% above avg
Details

Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
12 Month CD
$1,000
3.85% ▲ 0.90% above national avg
Rate3.80%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.90% above avg
Details

Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
12 Month Certificate of Deposit
$0
3.85% ▲ 0.90% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.90% above avg
Details

The Tennessee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
12 Month Classic Share Certificate
$0
3.85% ▲ 0.90% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.90% above avg
Details

Dividends Paid: Monthly

The Tennessee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
12 Month Share Certificate
$0
3.85% ▲ 0.90% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.90% above avg
Details

Dividends Credited: Monthly

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
12 Month Certificate
$500
3.85% ▲ 0.90% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.90% above avg
Details

quarterly dividends

Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
12 Month Share Certificate
$1,000
3.82% ▲ 0.87% above national avg
Rate3.82%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.87% above avg
Details

Balance: $1,000-$74,999

City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
12 Month Certificate
$0
3.82% ▲ 0.87% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.87% above avg
Details

Member Rewards: If you have CECU checking and direct deposit and over $25,000 on deposit with us, we will increase the rate on your new certificate by .10% or if you have over $50,000 on deposit, we will increase the new certificate rate by .20%. $2,500 minimum balance. Early withdrawal penalties may apply

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1 Year Business Share Certificates
$0
3.80% ▲ 0.85% above national avg
Rate3.74%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details

Balance: $1,000 - $49,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1 Year Rookie Share Certificate
$0
3.80% ▲ 0.85% above national avg
Rate3.74%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details

Balance: $250 - $2,500

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
1 Year Share Certificates
$0
3.80% ▲ 0.85% above national avg
Rate3.74%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details

Balance: $1,000 - $49,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
12 Month Share Certificates
$1,000
3.80% ▲ 0.85% above national avg
Rate3.74%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
12 Month Traditional/Roth IRA Certificates
$50,000
3.80% ▲ 0.85% above national avg
Rate3.74%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates - 12 Month
$1,000
3.80% ▲ 0.85% above national avg
Rate3.74%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates 12 Month
$100,000
3.80% ▲ 0.85% above national avg
Rate3.74%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.95%▲ 0.85% above avg
Details

Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
12 Month Jumbo Certificate
$250,000
3.80% ▲ 0.85% above national avg
Rate3.75%
Min Deposit$250,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.85% above avg
Details

Scenic Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.55%
1 Year Certificate
$2,500
3.80% ▲ 0.85% above national avg
Rate3.75%
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.95%▲ 0.85% above avg
Details

First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
12 Month Certificate of Deposit
$0
3.75% ▲ 0.80% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.80% above avg
Details

First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
12 Month IRA
$0
3.75% ▲ 0.80% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.95%▲ 0.80% above avg
Details

New Market 18 Month CD Rates

National 18 Month CD Average2.81% APY▼ 0.04% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Cornerstone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
18-Month Certificate
$0
4.10% ▲ 1.29% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.29% above avg
Details

Compound frequency semi-annually. Penalty equal to 180 days of dividends.

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
IRA 18 Month Certificate
$0
4.07% ▲ 1.26% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.26% above avg
Details

IRA Certificate

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Roth IRA 18 Month Certificate
$0
4.07% ▲ 1.26% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.26% above avg
Details

Roth IRA Certificate

Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
18 Month IRA Certificate
$2,000
4.02% ▲ 1.21% above national avg
Rate3.95%
Min Deposit$2,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.21% above avg
Details

Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
18 Month Share Certificate Account
$1,000
4.02% ▲ 1.21% above national avg
Rate3.95%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.21% above avg
Details

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
IRA 18 Month Certificate
$0
4.02% ▲ 1.21% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.21% above avg
Details

IRA Certificate

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Roth IRA 18 Month Certificate
$0
4.02% ▲ 1.21% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.21% above avg
Details

Roth IRA Certificate

Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
18 Month Certificate
$0
4.01% ▲ 1.20% above national avg
Rate3.95%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.20% above avg
Details

BASF Chattanooga Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.08%
18 Month Certificate
$500
4.00% ▲ 1.19% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.19% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
18 Month Share Certificate
$1,000
4.00% ▲ 1.19% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.19% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates 18 Month
$100,000
4.00% ▲ 1.19% above national avg
Rate3.93%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.19% above avg
Details

Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
18 Month Term Certificate
$0
4.00% ▲ 1.19% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.19% above avg
Details

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
18 Month Certificate
$100,000
3.96% ▲ 1.15% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.15% above avg
Details

quarterly dividends

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
18 Month Share Certificate
$1,000
3.95% ▲ 1.14% above national avg
Rate3.88%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.14% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
18 Month Traditional/Roth IRA Certificates
$50,000
3.95% ▲ 1.14% above national avg
Rate3.88%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.14% above avg
Details

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
18 Month Certificate
$500
3.91% ▲ 1.10% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.10% above avg
Details

quarterly dividends

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
18 Month Share Certificates
$1,000
3.90% ▲ 1.09% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.09% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates - 18 Month
$1,000
3.90% ▲ 1.09% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 1.09% above avg
Details

BCBST Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Month Share Certificate
$1,000
3.90% ▲ 1.09% above national avg
Rate3.85%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 1.09% above avg
Details

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
18 Month Business Share Certificate
$1,000
3.82% ▲ 1.01% above national avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 1.01% above avg
Details

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
18 Month Regular, Business and / or IRA Share Certificate
$1,000
3.82% ▲ 1.01% above national avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 1.01% above avg
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
Jumbo Certificate - 18 Months Fixed
$0
3.82% ▲ 1.01% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 1.01% above avg
Details

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
18 Month CERTIFICATE ACCOUNTS/BUSINESS CERTIFICATE ACCOUNTS
$0
3.80% ▲ 0.99% above national avg
Rate3.74%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.99% above avg
Details

Add 0.25% to current dividend certificate rate with at least $10,000 new money OR with direct deposit. Ask for details.

First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
18 Month Certificate of Deposit
$0
3.75% ▲ 0.94% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 0.94% above avg
Details

TRUST Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.11%
18-Month Share Certificate
$500
3.75% ▲ 0.94% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.94% above avg
Details

Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
18 Month Certificate
$0
3.70% ▲ 0.89% above national avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.89% above avg
Details

Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Share Certificate - 18 Month
$1,000
3.65% ▲ 0.84% above national avg
Rate3.59%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.81%▲ 0.84% above avg
Details

City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
18 Month Certificate
$0
3.60% ▲ 0.79% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.79% above avg
Details

Member Rewards: If you have CECU checking and direct deposit and over $25,000 on deposit with us, we will increase the rate on your new certificate by .10% or if you have over $50,000 on deposit, we will increase the new certificate rate by .20%. $2,500 minimum balance. Early withdrawal penalties may apply

First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
18 Month IRA Certificate
$0
3.55% ▲ 0.74% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.74% above avg
Details

Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
18 Month Jumbo Certificate
$250,000
3.55% ▲ 0.74% above national avg
Rate3.50%
Min Deposit$250,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.74% above avg
Details

Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
18 Month Share Certificate
$1,000
3.54% ▲ 0.73% above national avg
Rate3.54%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.73% above avg
Details

Balance: $1,000-$74,999

Tennessee State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
Traditional IRA 18 Month CD
$100
3.51% ▲ 0.70% above national avg
Rate3.50%
Min Deposit$100
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 0.70% above avg
Details

Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
18 Month Business CD
$2,500
3.50% ▲ 0.69% above national avg
Rate
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 0.69% above avg
Details

Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
18 Month CD
$2,500
3.50% ▲ 0.69% above national avg
Rate
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 0.69% above avg
Details

First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
18 Month Certificate
$0
3.50% ▲ 0.69% above national avg
Rate3.50%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.69% above avg
Details

Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
18 Month Share Certificates (CDs)
$0
3.50% ▲ 0.69% above national avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.69% above avg
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
Share Certificate - 18 Months Fixed
$0
3.49% ▲ 0.68% above national avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 0.68% above avg
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
Traditional IRA and Roth IRA Certificate 18 Months Fixed
$0
3.49% ▲ 0.68% above national avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 0.68% above avg
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
Traditional IRAs and Roth IRA Certificates - 18 Months Fixed
$0
3.49% ▲ 0.68% above national avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.81%▲ 0.68% above avg
Details

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
18 Month Certificate
$0
3.45% ▲ 0.64% above national avg
Rate3.40%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.64% above avg
Details

Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
18 Month IRA Certificate
$500
3.44% ▲ 0.63% above national avg
Rate3.40%
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.63% above avg
Details

Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
18 Month Standard Certificate
$500
3.44% ▲ 0.63% above national avg
Rate3.40%
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.63% above avg
Details

Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
18 Month Certificate Account with Rewards
$0
3.35% ▲ 0.54% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.54% above avg
Details

Reward add-ons apply

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
18 Month Certificate
$500
3.35% ▲ 0.54% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.81%▲ 0.54% above avg
Details

monthly dividends

First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
18 Month IRA Fixed
$100
3.29% ▲ 0.48% above national avg
Rate3.25%
Min Deposit$100
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.81%▲ 0.48% above avg
Details

Veritas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.49%
18 Month Roth IRA Certificate
$0
3.29% ▲ 0.48% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.81%▲ 0.48% above avg
Details

IRA and Roth Certificates

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
18 Month CD - Certificates of Deposit
$0
3.25% ▲ 0.44% above national avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.44% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
18 Month Certificates of Deposit
$1,000
3.25% ▲ 0.44% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.44% above avg
Details

All rates are Annual Percentage Yields.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - Certificates of Deposit - 18 Month
$0
3.25% ▲ 0.44% above national avg
Rate3.20%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.44% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 18 Month
$1,000
3.25% ▲ 0.44% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.81%▲ 0.44% above avg
Details

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

New Market 24 Month CD Rates

National 24 Month CD Average2.83% APY▼ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
24 Month Jumbo Share Certificates (CDs)
$1,000
4.28% ▲ 1.45% above national avg
Rate4.19%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.45% above avg
Details

SouthEast Bank
Institution Rating:
C4.0 ★Texas Ratio: 27.13%
24-Month CD Special
$1,000
4.25% ▲ 1.42% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 1.42% above avg
Details

Interest Compounded & Credited: Quarterly

Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
24 Month Term Certificate
$0
4.15% ▲ 1.32% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.32% above avg
Details

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
IRA 24 Month Certificate
$0
4.12% ▲ 1.29% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.29% above avg
Details

IRA Certificate

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Roth IRA 24 Month Certificate
$0
4.12% ▲ 1.29% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.29% above avg
Details

Roth IRA Certificate

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Retirement Liquid Share Certificates
$0
4.10% ▲ 1.27% above national avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.27% above avg
Details

Cornerstone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
24-Month Certificate
$0
4.10% ▲ 1.27% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.27% above avg
Details

Compound frequency semi-annually. Penalty equal to 180 days of dividends.

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
IRA 24 Month Certificate
$0
4.07% ▲ 1.24% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.24% above avg
Details

IRA Certificate

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Roth IRA 24 Month Certificate
$0
4.07% ▲ 1.24% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.24% above avg
Details

Roth IRA Certificate

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Retirement Liquid Share Certificates
$0
4.05% ▲ 1.22% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.22% above avg
Details

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
24 Month Certificate
$100,000
4.02% ▲ 1.19% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.19% above avg
Details

quarterly dividends

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Business Share Certificates
$0
4.00% ▲ 1.17% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.17% above avg
Details

Balance: $100,000 and over

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Retirement Liquid Share Certificates
$0
4.00% ▲ 1.17% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.17% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Share Certificates
$0
4.00% ▲ 1.17% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.17% above avg
Details

Balance: $100,000 and over

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
1 - 2 Year Business Investment Certificate
$1,000
4.00% ▲ 1.17% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.17% above avg
Details

Term: 1 to 2 Years (365 to 729 days); Jumbo APY: 4.05%; Jumbo Dividend Rate: 3.98%; Early Withdrawal Penalty: 180 Days' Dividends

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
1 - 2 Year Investment Certificate
$1,000
4.00% ▲ 1.17% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.17% above avg
Details

Term: 1 to 2 Years (365 to 729 days); Jumbo APY ($100k Minimum): 4.05%; Jumbo Dividend Rate ($100k minimum): 3.98%; Early Withdrawal Penalty: 90 Days' Dividends

Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
24 Month IRA Certificate
$2,000
3.97% ▲ 1.14% above national avg
Rate3.90%
Min Deposit$2,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.14% above avg
Details

Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
24 Month Share Certificate Account
$1,000
3.97% ▲ 1.14% above national avg
Rate3.90%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.14% above avg
Details

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
24 Month Certificate
$500
3.97% ▲ 1.14% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.14% above avg
Details

quarterly dividends

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Business Share Certificates
$0
3.95% ▲ 1.12% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.12% above avg
Details

Balance: $50,000 - $99,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Share Certificates
$0
3.95% ▲ 1.12% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.12% above avg
Details

Balance: $50,000 - $99,999.99

EPB Employees Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.53%
2 1/2-Year CD
$0
3.95% ▲ 1.12% above national avg
Rate3.95%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.12% above avg
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
Jumbo Certificate - 24 Months Fixed
$0
3.92% ▲ 1.09% above national avg
Rate3.85%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.09% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Business Share Certificates
$0
3.90% ▲ 1.07% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.07% above avg
Details

Balance: $1,000 - $49,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
2 Year Share Certificates
$0
3.90% ▲ 1.07% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.07% above avg
Details

Balance: $1,000 - $49,999.99

BCBST Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Month Share Certificate
$1,000
3.90% ▲ 1.07% above national avg
Rate3.85%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.07% above avg
Details

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
24 Month Business Jumbo Share Certificate
$100,000
3.87% ▲ 1.04% above national avg
Rate3.80%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.04% above avg
Details

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
24 Month CERTIFICATE ACCOUNTS/BUSINESS CERTIFICATE ACCOUNTS
$0
3.85% ▲ 1.02% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.02% above avg
Details

Add 0.25% to current dividend certificate rate with at least $10,000 new money OR with direct deposit. Ask for details.

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
24 Month Business Share Certificate
$1,000
3.82% ▲ 0.99% above national avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.99% above avg
Details

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
24 Month Regular, Business and / or IRA Share Certificate
$1,000
3.82% ▲ 0.99% above national avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.99% above avg
Details

Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.20%
24 Month Certificate
$0
3.80% ▲ 0.97% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.97% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
24 Month CD - Certificates of Deposit
$0
3.75% ▲ 0.92% above national avg
Rate3.68%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.92% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
24 Month Certificates of Deposit
$1,000
3.75% ▲ 0.92% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.92% above avg
Details

All rates are Annual Percentage Yields.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - Certificates of Deposit - 24 Month
$0
3.75% ▲ 0.92% above national avg
Rate3.68%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.92% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 24 Month
$1,000
3.75% ▲ 0.92% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.92% above avg
Details

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts - 24-Month
$1,000
3.75% ▲ 0.92% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.92% above avg
Details

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

BASF Chattanooga Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 22.08%
24 Month Certificate
$1,000
3.75% ▲ 0.92% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.92% above avg
Details

EPB Employees Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.53%
1 1/2 Year-CD
$0
3.75% ▲ 0.92% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.92% above avg
Details

Holley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
24 Month Share Certificates
$0
3.75% ▲ 0.92% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.92% above avg
Details

Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
2 Year Share Certificate
$1,000
3.72% ▲ 0.89% above national avg
Rate3.72%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.89% above avg
Details

Balance: $1,000-$74,999

First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
24 Month IRA Certificate
$0
3.70% ▲ 0.87% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.87% above avg
Details

First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
24 Month Certificate
$0
3.65% ▲ 0.82% above national avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.82% above avg
Details

Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Share Certificate - 24 Month
$1,000
3.60% ▲ 0.77% above national avg
Rate3.54%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.77% above avg
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
Share Certificate - 24 Months Fixed
$0
3.60% ▲ 0.77% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.77% above avg
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
Traditional IRA and Roth IRA Certificate 24 Months Fixed
$0
3.60% ▲ 0.77% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.77% above avg
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
Traditional IRAs and Roth IRA Certificates - 24 Months Fixed
$0
3.60% ▲ 0.77% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.77% above avg
Details

Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
24 Month Jumbo Certificate
$250,000
3.55% ▲ 0.72% above national avg
Rate3.50%
Min Deposit$250,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.72% above avg
Details

Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
24 Month Business CD
$2,500
3.50% ▲ 0.67% above national avg
Rate
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 0.67% above avg
Details

Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
24 Month CD
$2,500
3.50% ▲ 0.67% above national avg
Rate
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 0.67% above avg
Details

Knoxville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
24 Month Share Certificate
$100,000
3.50% ▲ 0.67% above national avg
Rate3.50%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.67% above avg
Details

Balance: $100,000+

New Market 36 Month CD Rates

National 36 Month CD Average2.75% APY▼ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
36 Month Jumbo Share Certificates (CDs)
$1,000
4.35% ▲ 1.60% above national avg
Rate4.26%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.60% above avg
Details

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
IRA 36 Month Certificate
$0
4.18% ▲ 1.43% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.43% above avg
Details

IRA Certificate

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Roth IRA 36 Month Certificate
$0
4.18% ▲ 1.43% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.43% above avg
Details

Roth IRA Certificate

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
36 Month Certificate
$100,000
4.13% ▲ 1.38% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.38% above avg
Details

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
IRA 36 Month Certificate
$0
4.13% ▲ 1.38% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.38% above avg
Details

IRA Certificate

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Roth IRA 36 Month Certificate
$0
4.13% ▲ 1.38% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.38% above avg
Details

Roth IRA Certificate

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Retirement Liquid Share Certificates
$0
4.10% ▲ 1.35% above national avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.35% above avg
Details

Cornerstone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
36-Month Certificate
$0
4.10% ▲ 1.35% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.35% above avg
Details

Compound frequency semi-annually. Penalty equal to 180 days of dividends.

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
36 Month Certificate
$500
4.07% ▲ 1.32% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.32% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Retirement Liquid Share Certificates
$0
4.05% ▲ 1.30% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.30% above avg
Details

Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
36 Month IRA Certificate
$2,000
4.02% ▲ 1.27% above national avg
Rate3.95%
Min Deposit$2,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.27% above avg
Details

Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
36 Month Share Certificate Account
$1,000
4.02% ▲ 1.27% above national avg
Rate3.95%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.27% above avg
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
Jumbo Certificate - 36 Months Fixed
$0
4.02% ▲ 1.27% above national avg
Rate3.95%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 1.27% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Business Share Certificates
$0
4.00% ▲ 1.25% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.25% above avg
Details

Balance: $100,000 and over

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Retirement Liquid Share Certificates
$0
4.00% ▲ 1.25% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.25% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Share Certificates
$0
4.00% ▲ 1.25% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.25% above avg
Details

Balance: $100,000 and over

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates 3 Year
$100,000
4.00% ▲ 1.25% above national avg
Rate3.93%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.25% above avg
Details

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
2 - 3 Year Business Investment Certificate
$1,000
4.00% ▲ 1.25% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.25% above avg
Details

Term: 2 to 3 Years (730 to 1,094 days); Jumbo APY: 4.05%; Jumbo Dividend Rate: 3.98%; Early Withdrawal Penalty: 180 Days' Dividends

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
2 - 3 Year Investment Certificate
$1,000
4.00% ▲ 1.25% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.25% above avg
Details

Term: 2 to 3 Years (730 to 1,094 days); Jumbo APY ($100k Minimum): 4.05%; Jumbo Dividend Rate ($100k minimum): 3.98%; Early Withdrawal Penalty: 180 Days' Dividends

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Business Share Certificates
$0
3.95% ▲ 1.20% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.20% above avg
Details

Balance: $50,000 - $99,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Share Certificates
$0
3.95% ▲ 1.20% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.20% above avg
Details

Balance: $50,000 - $99,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Traditional/Roth IRA Certificates
$50,000
3.95% ▲ 1.20% above national avg
Rate3.88%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.20% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Business Share Certificates
$0
3.90% ▲ 1.15% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.15% above avg
Details

Balance: $1,000 - $49,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
3 Year Share Certificates
$0
3.90% ▲ 1.15% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.15% above avg
Details

Balance: $1,000 - $49,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates - 3 Year
$1,000
3.90% ▲ 1.15% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 1.15% above avg
Details

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
36 Month Business Share Certificate
$1,000
3.87% ▲ 1.12% above national avg
Rate3.80%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 1.12% above avg
Details

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
36 Month Regular, Business and / or IRA Share Certificate
$1,000
3.87% ▲ 1.12% above national avg
Rate3.80%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 1.12% above avg
Details

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
36 Month Business IRA Certificate Accounts
$0
3.85% ▲ 1.10% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.10% above avg
Details

Add 0.25% to current dividend certificate rate with at least $10,000 new money OR with direct deposit. Ask for details.

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
36 Month CERTIFICATE ACCOUNTS/BUSINESS CERTIFICATE ACCOUNTS
$0
3.85% ▲ 1.10% above national avg
Rate3.78%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 1.10% above avg
Details

Add 0.25% to current dividend certificate rate with at least $10,000 new money OR with direct deposit. Ask for details.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
36 Month CD - Certificates of Deposit
$0
3.75% ▲ 1.00% above national avg
Rate3.68%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
36 Month Certificates of Deposit
$1,000
3.75% ▲ 1.00% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details

All rates are Annual Percentage Yields.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - Certificates of Deposit - 36 Month
$0
3.75% ▲ 1.00% above national avg
Rate3.68%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 36 Month
$1,000
3.75% ▲ 1.00% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
Details

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts - 36-Month
$1,000
3.75% ▲ 1.00% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 1.00% above avg
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: 0.58%
36 Month IRA Certificate
$0
3.70% ▲ 0.95% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.95% above avg
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
Share Certificate - 36 Months Fixed
$0
3.70% ▲ 0.95% above national avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 0.95% above avg
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
Traditional IRA and Roth IRA Certificate 36 Months Fixed
$0
3.70% ▲ 0.95% above national avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 0.95% above avg
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
Traditional IRAs and Roth IRA Certificates - 36 Months Fixed
$0
3.70% ▲ 0.95% above national avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 0.95% above avg
Details

First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
36 Month Certificate
$0
3.65% ▲ 0.90% above national avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.75%▲ 0.90% above avg
Details

Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
3 Year Share Certificate
$1,000
3.63% ▲ 0.88% above national avg
Rate3.63%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.88% above avg
Details

Balance: $1,000-$74,999

Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Share Certificate - 36 Month
$1,000
3.60% ▲ 0.85% above national avg
Rate3.54%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.75%▲ 0.85% above avg
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
Member's Choice Share Certificate - 36 Months Fixed
$0
3.60% ▲ 0.85% above national avg
Rate3.55%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 0.85% above avg
Details

Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
36 Month Certificate Account
$0
3.60% ▲ 0.85% above national avg
Rate3.60%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.75%▲ 0.85% above avg
Details

Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
36 Month Business CD
$2,500
3.50% ▲ 0.75% above national avg
Rate
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.75%▲ 0.75% above avg
Details

Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
36 Month CD
$2,500
3.50% ▲ 0.75% above national avg
Rate
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.75%▲ 0.75% above avg
Details

Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
36 Month Share Certificates (CDs)
$0
3.50% ▲ 0.75% above national avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.75% above avg
Details

Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
36 Month CD
$1,000
3.49% ▲ 0.74% above national avg
Rate3.45%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.74% above avg
Details

Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
36 Month Certificate of Deposit
$0
3.49% ▲ 0.74% above national avg
Rate3.45%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.74% above avg
Details

Knoxville Law Enforcement Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
36 Month Share Certificate
$1,000
3.41% ▲ 0.66% above national avg
Rate3.35%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.75%▲ 0.66% above avg
Details

MINOR: $500.00

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
36 Month Home Purchase Share Certificate
$1,000
3.40% ▲ 0.65% above national avg
Rate3.35%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.75%▲ 0.65% above avg
Details

New Market 48 Month CD Rates

National 48 Month CD Average2.76% APY▼ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
IRA 48 Month Certificate
$0
4.23% ▲ 1.47% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.47% above avg
Details

IRA Certificate

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Roth IRA 48 Month Certificate
$0
4.23% ▲ 1.47% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.47% above avg
Details

Roth IRA Certificate

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
48 Month Certificate
$100,000
4.18% ▲ 1.42% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.42% above avg
Details

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
IRA 48 Month Certificate
$0
4.18% ▲ 1.42% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.42% above avg
Details

IRA Certificate

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Roth IRA 48 Month Certificate
$0
4.18% ▲ 1.42% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.42% above avg
Details

Roth IRA Certificate

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
48 Month Certificate
$500
4.13% ▲ 1.37% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.37% above avg
Details

Cornerstone Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.97%
48-Month Certificate
$0
4.10% ▲ 1.34% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.34% above avg
Details

Compound frequency semi-annually. Penalty equal to 180 days of dividends.

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
Jumbo Certificate - 48 Months Fixed
$0
4.07% ▲ 1.31% above national avg
Rate4.00%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.31% above avg
Details

Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
48 Month Share Certificates (CDs)
$0
4.00% ▲ 1.24% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 1.24% above avg
Details

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
3 - 4 Year Business Investment Certificate
$1,000
4.00% ▲ 1.24% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.24% above avg
Details

Term: 3 to 4 Years (1,095 to 1,460 days); Jumbo APY: 4.05%; Jumbo Dividend Rate: 3.98%; Early Withdrawal Penalty: 240 Days' Dividends

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
3 - 4 Year Investment Certificate
$1,000
4.00% ▲ 1.24% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.24% above avg
Details

Term: 3 to 4 Years (1,095 to 1,460 days); Jumbo APY ($100k Minimum): 4.05%; Jumbo Dividend Rate ($100k minimum): 3.98%; Early Withdrawal Penalty: 180 Days' Dividends

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
48 Month Business Share Certificate
$1,000
3.92% ▲ 1.16% above national avg
Rate3.85%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.16% above avg
Details

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
48 Month Regular, Business and / or IRA Share Certificate
$1,000
3.92% ▲ 1.16% above national avg
Rate3.85%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 1.16% above avg
Details

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
48 Month Business IRA Certificate Accounts
$0
3.90% ▲ 1.14% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.14% above avg
Details

Add 0.25% to current dividend certificate rate with at least $10,000 new money OR with direct deposit. Ask for details.

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
48 Month CERTIFICATE ACCOUNTS/BUSINESS CERTIFICATE ACCOUNTS
$0
3.90% ▲ 1.14% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 1.14% above avg
Details

Add 0.25% to current dividend certificate rate with at least $10,000 new money OR with direct deposit. Ask for details.

First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
48 Month IRA Certificate
$0
3.80% ▲ 1.04% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 1.04% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48 Month CD - Certificates of Deposit
$0
3.75% ▲ 0.99% above national avg
Rate3.68%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.99% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48 Month Certificates of Deposit
$1,000
3.75% ▲ 0.99% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.99% above avg
Details

All rates are Annual Percentage Yields.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - Certificates of Deposit - 48 Month
$0
3.75% ▲ 0.99% above national avg
Rate3.68%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.99% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 48 Month
$1,000
3.75% ▲ 0.99% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.99% above avg
Details

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts - 48-Month
$1,000
3.75% ▲ 0.99% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.99% above avg
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: 0.58%
48 Month Certificate
$0
3.75% ▲ 0.99% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.76%▲ 0.99% above avg
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
Share Certificate - 48 Months Fixed
$0
3.75% ▲ 0.99% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.99% above avg
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
Traditional IRA and Roth IRA Certificate 48 Months Fixed
$0
3.75% ▲ 0.99% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.99% above avg
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
Traditional IRAs and Roth IRA Certificates - 48 Months Fixed
$0
3.75% ▲ 0.99% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.99% above avg
Details

Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
48 Month Certificate Account
$0
3.70% ▲ 0.94% above national avg
Rate3.70%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.94% above avg
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
Member's Choice Share Certificate - 48 Months Fixed
$0
3.65% ▲ 0.89% above national avg
Rate3.60%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.76%▲ 0.89% above avg
Details

Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Share Certificate - 48 Month
$1,000
3.60% ▲ 0.84% above national avg
Rate3.54%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.84% above avg
Details

Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
4 Year Share Certificate
$1,000
3.55% ▲ 0.79% above national avg
Rate3.55%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.79% above avg
Details

Balance: $1,000-$74,999

Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
48 Month Business CD
$2,500
3.50% ▲ 0.74% above national avg
Rate
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.74% above avg
Details

Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
48 Month CD
$2,500
3.50% ▲ 0.74% above national avg
Rate
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.76%▲ 0.74% above avg
Details

Greater Eastern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
48 Month Certificate of Deposit
$0
3.50% ▲ 0.74% above national avg
Rate3.46%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.74% above avg
Details

Frequency of Compounding: Quarterly

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
48 Month Certificate
$0
3.40% ▲ 0.64% above national avg
Rate3.35%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.64% above avg
Details

Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
48 Month Jumbo Certificate
$250,000
3.39% ▲ 0.63% above national avg
Rate3.35%
Min Deposit$250,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.63% above avg
Details

Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
48 Month IRA Certificate
$500
3.29% ▲ 0.53% above national avg
Rate3.25%
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.53% above avg
Details

Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
48 Month Standard Certificate
$500
3.29% ▲ 0.53% above national avg
Rate3.25%
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.53% above avg
Details

Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
48 Month Certificate
$0
3.29% ▲ 0.53% above national avg
Rate3.25%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.53% above avg
Details

New South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
48 Month Certificate
$0
3.25% ▲ 0.49% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.49% above avg
Details

Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.32%
4 Year Certificate
$500
3.25% ▲ 0.49% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.49% above avg
Details

MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
Share Certificate Dividends 48 Month
$0
3.03% ▲ 0.27% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.27% above avg
Details

Parthenon Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.76%
4 Years Certificate
$500
3.00% ▲ 0.24% above national avg
Rate3.00%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.24% above avg
Details

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
48 Month Share Certificate
$0
3.00% ▲ 0.24% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.76%▲ 0.24% above avg
Details

$50,000 & up; Dividends Paid Monthly

TNConnect Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
Tailored Certificate - 48 month
$0
3.00% ▲ 0.24% above national avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.24% above avg
Details

Beacon Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
48 Month Certificates
$0
3.00% ▲ 0.24% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.24% above avg
Details

ORNL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.89%
48 Month Certificate
$0
3.00% ▲ 0.24% above national avg
Rate2.96%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.76%▲ 0.24% above avg
Details

Term: 48 months through 59 months; Balances of $500.00-$99,999.99

Gateway First Bank
Institution Rating:
C+4.0 ★Texas Ratio: 26.57%
48 Month Certificate
$0
2.90% ▲ 0.14% above national avg
Rate2.86%
Min Deposit$0
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▲ 0.14% above avg
Details

Homeland Community Bank
Institution Rating:
B3.8 ★Texas Ratio: 4.23%
48 Month CD
$500
2.75% ▼ 0.01% below national avg
Rate2.75%
Min Deposit$500
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.76%▼ 0.01% below avg
Details

Home Federal Bank of Tennessee
Institution Rating:
A5.0 ★Texas Ratio: 12.75%
4 Year Certificate of Deposit
$0
2.75% ▼ 0.01% below national avg
Rate2.72%
Min Deposit$0
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.76%▼ 0.01% below avg
Details

Interest Credited Monthly; Penalty: 6 MO

Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
48 Month IRA Certificate
$500
2.75% ▼ 0.01% below national avg
Rate2.72%
Min Deposit$500
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 0.01% below avg
Details

Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Jumbo Share/IRA Certificate 48 Month
$100,000
2.75% ▼ 0.01% below national avg
Rate2.72%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.76%▼ 0.01% below avg
Details

New Market 60 Month CD Rates

National 60 Month CD Average2.83% APY▼ 0.05% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 6.51%
60 Month Jumbo Share Certificates (CDs)
$1,000
4.47% ▲ 1.64% above national avg
Rate4.37%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.64% above avg
Details

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
IRA 5 Year Certificate
$0
4.28% ▲ 1.45% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.45% above avg
Details

IRA Certificate

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Roth IRA 5 Year Certificate
$0
4.28% ▲ 1.45% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.45% above avg
Details

Roth IRA Certificate

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
5 Year Certificate
$100,000
4.23% ▲ 1.40% above national avg
Rate
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.40% above avg
Details

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
IRA 5 Year Certificate
$0
4.23% ▲ 1.40% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.40% above avg
Details

IRA Certificate

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
Roth IRA 5 Year Certificate
$0
4.23% ▲ 1.40% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.40% above avg
Details

Roth IRA Certificate

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
5 Year Certificate
$500
4.18% ▲ 1.35% above national avg
Rate
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.35% above avg
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
Jumbo Certificate - 60 Months Fixed
$0
4.13% ▲ 1.30% above national avg
Rate4.05%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.30% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
5 Year Retirement Liquid Share Certificates
$0
4.10% ▲ 1.27% above national avg
Rate4.03%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.27% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
5 Year Retirement Liquid Share Certificates
$0
4.05% ▲ 1.22% above national avg
Rate3.98%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.22% above avg
Details

Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
60 Month Share Certificates (CDs)
$0
4.00% ▲ 1.17% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.17% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
5 Year Business Share Certificates
$0
4.00% ▲ 1.17% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.17% above avg
Details

Balance: $100,000 and over

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
5 Year Retirement Liquid Share Certificates
$0
4.00% ▲ 1.17% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.17% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
5 Year Share Certificates
$0
4.00% ▲ 1.17% above national avg
Rate3.93%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.17% above avg
Details

Balance: $100,000 and over

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates 5 Year
$100,000
4.00% ▲ 1.17% above national avg
Rate3.93%
Min Deposit$100,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.17% above avg
Details

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
4 - 5 Year Business Investment Certificate
$1,000
4.00% ▲ 1.17% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.17% above avg
Details

Term: 4 to 5 Years (1,461 to 1,825 days); Jumbo APY: 4.05%; Jumbo Dividend Rate: 3.98%; Early Withdrawal Penalty: 240 Days' Dividends

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
4 - 5 Year Investment Certificate
$1,000
4.00% ▲ 1.17% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.17% above avg
Details

Term: 4 to 5 Years (1,461 to 1,825 days); Jumbo APY ($100k Minimum): 4.05%; Jumbo Dividend Rate ($100k minimum): 3.98%; Early Withdrawal Penalty: 180 Days' Dividends

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
5 Year Business Investment Certificate
$1,000
4.00% ▲ 1.17% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.17% above avg
Details

Term: 5 Years (1,826 to 2,190 days); Jumbo APY: 4.05%; Jumbo Dividend Rate: 3.98%; Early Withdrawal Penalty: 240 Days' Dividends

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
5 Year Investment Certificate
$1,000
4.00% ▲ 1.17% above national avg
Rate3.93%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.17% above avg
Details

Term: 5 Years (1,826 to 2,190 days); Jumbo APY ($100k Minimum): 4.05%; Jumbo Dividend Rate ($100k minimum): 3.98%; Early Withdrawal Penalty: 180 Days' Dividends

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
60 Month Business Share Certificate
$1,000
3.97% ▲ 1.14% above national avg
Rate3.90%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.14% above avg
Details

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
60 Month Regular, Business and / or IRA Share Certificate
$1,000
3.97% ▲ 1.14% above national avg
Rate3.90%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 1.14% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
5 Year Business Share Certificates
$0
3.95% ▲ 1.12% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.12% above avg
Details

Balance: $50,000 - $99,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
5 Year Share Certificates
$0
3.95% ▲ 1.12% above national avg
Rate3.88%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.12% above avg
Details

Balance: $50,000 - $99,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
5 Year Traditional/Roth IRA Certificates
$50,000
3.95% ▲ 1.12% above national avg
Rate3.88%
Min Deposit$50,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.12% above avg
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
5 Year Business Share Certificates
$0
3.90% ▲ 1.07% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.07% above avg
Details

Balance: $1,000 - $49,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
5 Year Share Certificates
$0
3.90% ▲ 1.07% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.07% above avg
Details

Balance: $1,000 - $49,999.99

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.84%
Traditional/Roth IRA Certificates - 5 Year
$1,000
3.90% ▲ 1.07% above national avg
Rate3.83%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 1.07% above avg
Details

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
60 Month Business IRA Certificate Accounts
$0
3.90% ▲ 1.07% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.07% above avg
Details

Add 0.25% to current dividend certificate rate with at least $10,000 new money OR with direct deposit. Ask for details.

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
60 Month CERTIFICATE ACCOUNTS/BUSINESS CERTIFICATE ACCOUNTS
$0
3.90% ▲ 1.07% above national avg
Rate3.83%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 1.07% above avg
Details

Add 0.25% to current dividend certificate rate with at least $10,000 new money OR with direct deposit. Ask for details.

First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
60 Month IRA Certificate
$0
3.80% ▲ 0.97% above national avg
Rate
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.97% above avg
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
Share Certificate - 60 Months Fixed
$0
3.80% ▲ 0.97% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.97% above avg
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
Traditional IRA and Roth IRA Certificate 60 Months Fixed
$0
3.80% ▲ 0.97% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.97% above avg
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
Traditional IRAs and Roth IRA Certificates - 60 Months Fixed
$0
3.80% ▲ 0.97% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.97% above avg
Details

Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
60 Month Certificate Account
$0
3.80% ▲ 0.97% above national avg
Rate3.80%
Min Deposit$0
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.97% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
60 Month CD - Certificates of Deposit
$0
3.75% ▲ 0.92% above national avg
Rate3.68%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.92% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
60 Month Certificates of Deposit
$1,000
3.75% ▲ 0.92% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.92% above avg
Details

All rates are Annual Percentage Yields.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
CD - Certificates of Deposit - 60 Month
$0
3.75% ▲ 0.92% above national avg
Rate3.68%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.92% above avg
Details

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 60 Month
$1,000
3.75% ▲ 0.92% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.92% above avg
Details

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts - 60-Month
$1,000
3.75% ▲ 0.92% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.92% above avg
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: 0.58%
60 Month Certificate
$0
3.75% ▲ 0.92% above national avg
Rate3.75%
Min Deposit$0
Min Balance
Verified and UpdatedSep 14, 2026
National Average2.83%▲ 0.92% above avg
Details

Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
5 Year Share Certificate
$1,000
3.75% ▲ 0.92% above national avg
Rate3.75%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 21, 2026
National Average2.83%▲ 0.92% above avg
Details

Balance: $1,000-$74,999

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.05%
Member's Choice Share Certificate - 60 Months Fixed
$0
3.70% ▲ 0.87% above national avg
Rate3.65%
Min Deposit$0
Min Balance
Verified and UpdatedSep 20, 2026
National Average2.83%▲ 0.87% above avg
Details

Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
60 Month Jumbo Certificate
$250,000
3.65% ▲ 0.82% above national avg
Rate3.60%
Min Deposit$250,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.82% above avg
Details

Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.45%
Share Certificate - 60 Month
$1,000
3.60% ▲ 0.77% above national avg
Rate3.54%
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 18, 2026
National Average2.83%▲ 0.77% above avg
Details

First Choice Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.67%
60 Month Share Certificate
$1,000
3.56% ▲ 0.73% above national avg
Rate
Min Deposit$1,000
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.73% above avg
Details

Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
60 Month IRA Certificate
$500
3.55% ▲ 0.72% above national avg
Rate3.50%
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.72% above avg
Details

Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
60 Month Roth IRA Certificate
$500
3.55% ▲ 0.72% above national avg
Rate3.50%
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.72% above avg
Details

Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.38%
60 Month Standard Certificate
$500
3.55% ▲ 0.72% above national avg
Rate3.50%
Min Deposit$500
Min Balance
Verified and UpdatedSep 22, 2026
National Average2.83%▲ 0.72% above avg
Details

Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
60 Month Business CD
$2,500
3.50% ▲ 0.67% above national avg
Rate
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 0.67% above avg
Details

Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A5.0 ★Texas Ratio: 7.15%
60 Month CD
$2,500
3.50% ▲ 0.67% above national avg
Rate
Min Deposit$2,500
Min Balance
Verified and UpdatedSep 19, 2026
National Average2.83%▲ 0.67% above avg
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 New Market, Tennessee Institutions

Highest verified APYs available today, updated September 22, 2026

B Top 5 Bank Rates
Austin Capital Bank
3 Month CD
A+ 5.0 ★ TX: 2.96%
Min: $1,000
4.32%
SouthEast Bank
24-Month CD Special
C 4.0 ★ TX: 27.13%
Min: $1,000
4.25%
Eclipse Bank
12 Month Certificates of Deposit (CDs)
A+ 5.0 ★ TX: 3.43%
Min: $1,000
4.20%
Sonata Bank
12-month CD
A+ 5.0 ★ TX: 5.18%
Min: $0
4.15%
City National Bank
Special 12-Month Fixed Rate
A+ 5.0 ★ TX: 5.66%
Min: $0
4.11%
CU Top 5 Credit Union Rates
Hope Federal Credit Union Jackson, MS
60 Month Jumbo Share Certificates (CDs)
A 5.0 ★ TX: 6.51%
Min: $1,000
4.47%
Collegedale Credit Union
6 Month IRA Certificate
A+ 5.0 ★ TX: 0.21%
Min: $0
4.33%
US Community Credit Union
IRA 5 Year Certificate
A+ 5.0 ★ TX: 3.85%
Min: $0
4.28%
Chattanooga Federal Employees Credit Union
12 Month Certificate
A+ 5.0 ★ TX: 3.20%
Min: $0
4.27%
BASF Chattanooga Federal Credit Union
6 Month Certificate
B 4.4 ★ TX: 22.08%
Min: $500
4.25%
Rates verified September 22, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.

New Market, TN CD Rate Trends

Compare local New Market, 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
2.945%
▲ 0.004 vs 7 days ago

Tennessee 12-month CD rates rose 0.004 points over the past 7 days to 2.945% APY.

6-Month CD TN Avg
2.760%
Unchanged vs 7 days ago

Tennessee 6-month CD rates currently average 2.760% APY based on data from institutions in our monitoring network.

As of Sep 22, 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 September 2027?

Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.

TN 12-Month Avg APY
2.945%
6-Month Forecast
2.945%
Range: 2.75% – 3.10%
12-Month Forecast
3.195%
Range: 3.00% – 3.35%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch 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 1.43% 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% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

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 2.055% $102.77 $205.54 $513.85 $1,027.70
6-Month CD 2.760% $137.99 $275.97 $689.93 $1,379.85
12-Month CD 2.945% $147.27 $294.54 $736.35 $1,472.70
18-Month CD 2.813% $140.67 $281.33 $703.32 $1,406.65
24-Month CD 2.833% $141.64 $283.27 $708.18 $1,416.35
36-Month CD 2.754% $137.68 $275.36 $688.40 $1,376.80
48-Month CD 2.759% $137.97 $275.93 $689.82 $1,379.65
60-Month CD 2.834% $141.70 $283.39 $708.48 $1,416.95
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of September 22, 2026.

Sample CD Ladder for New Market, 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 2.055% $102.77
2 6-Month CD $5,000 2.760% $137.99
3 12-Month CD $5,000 2.945% $147.27
4 24-Month CD $5,000 2.833% $141.64
5 36-Month CD $5,000 2.754% $137.68
Total ($25,000 invested) $25,000 2.669% blended $667.35/yr

Ladder example uses equal $5,000 rungs and Tennessee average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.

853
CD Rates
Tracked in New Market, Tennessee
27 Banks 66 Credit Unions

About Our New Market, Tennessee CD Rate Database

MonitorBankRates tracks 853 CD rates from 27 banks and 66 credit unions with locations in New Market, Tennessee, plus national online institutions available to Tennessee residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: Hope Federal Credit Union Jackson, MS offers a CD at 4.47% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in New Market, Tennessee.

How to Find the Best CD Rates in New Market, Tennessee

What to compare when shopping for a CD in New Market, Tennessee

To find the best APYs in New Market, Tennessee, start with credit unions and online-only banks: New Market, Tennessee has 66 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.

Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.

Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.

When a CD Makes Sense in New Market, 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 New Market, Tennessee: 93 institutions here report CD rates

Consider an Alternative If…

New Market, Tennessee Financial Snapshot

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

Population 65+
17.1%
National avg: 17.3%
Median Individual Earnings
$42,335
National avg: $47,340
Poverty Rate
7.5%
National avg: 11.1%
Unemployment Rate
3.4%
National avg: 4.8%
CD Earnings on 10% of Salary
$125/yr
At TN 12-mo avg 2.945% APY

17.1% of residents are 65 or older, in line with the national average of 17.3%; a low unemployment rate of 3.4% reflects a strong local economy. At today’s TN 12-month CD average of 2.945%, saving 10% of the local median salary ($4,233/year) and putting it in a CD would earn an additional $125 annually in interest.

Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.

CD Rates vs. Other Savings Options in New Market, 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

How Certificates of Deposit Work in New Market, Tennessee

A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in New Market, Tennessee typically earns a higher rate than a standard savings account pays. CDs from banks are insured by the FDIC and those from credit unions by the NCUA, in New Market, Tennessee as everywhere in the U.S.

Choosing a CD Term in New Market, Tennessee

The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give New Market, Tennessee savers easier access to their funds. For example, Collegedale Credit Union is offering its 6 Month IRA Certificate at 4.33% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Hope Federal Credit Union Jackson, MS is offering its 60 Month Jumbo Share Certificates (CDs) at 4.47% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for New Market, Tennessee Savers

CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a New Market, Tennessee saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.

How CD Interest Is Paid in New Market, Tennessee

Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the New Market, Tennessee CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.

Fixed vs. Variable CD Rates in New Market, Tennessee

Most CDs carry a fixed rate that is locked for the entire term, protecting a New Market, Tennessee depositor if market rates fall after the account is opened. Some institutions offer variable-rate or bump-up CDs whose rate can change during the term; these may start lower but allow the rate to rise if conditions improve. Which is better depends on the direction a saver expects rates to move.

Frequently Asked Questions about CD Rates in New Market, Tennessee

Are CD rates in New Market, Tennessee FDIC insured?

Yes, most established banks in New Market, 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 New Market, 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 New Market, 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 New Market, 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 New Market, Tennessee?

Here are recent top rates found for this area:
  • Hope Federal Credit Union Jackson, MS: 4.47% APY (60 Month Jumbo Share Certificates (CDs))
  • Collegedale Credit Union: 4.33% APY (6 Month IRA Certificate)
  • Austin Capital Bank: 4.32% APY (3 Month CD)
  • US Community Credit Union: 4.28% APY (IRA 5 Year Certificate)
  • Chattanooga Federal Employees Credit Union: 4.27% APY (12 Month Certificate)
  • SouthEast Bank: 4.25% APY (24-Month CD Special)
  • BASF Chattanooga Federal Credit Union: 4.25% APY (6 Month Certificate)
  • Eclipse Bank: 4.20% APY (12 Month Certificates of Deposit (CDs))
  • BCBST Employees Credit Union: 4.16% APY (180 Day Share Certificate)
  • Sonata Bank: 4.15% APY (12-month CD)
Rates reflect recent verified offers available in New Market, Tennessee. Last Updated: September 22, 2026

New Market, Tennessee CD Calculator

See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current New Market, Tennessee rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.

Interest at Maturity
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Ending Balance
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Matures

Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30–180 days of interest. Estimates are for informational purposes only.

Top New Market, Tennessee CD Rates by Term

Verified September 22, 2026 · click a rate to use its term and APY
Highest verified APY per term available in New Market, Tennessee. Averages shown use the Tennessee state average where available, national otherwise. See the full rate tables above for all offers.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our New Market, Tennessee CD rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for New Market, Tennessee directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in New Market, 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: September 22, 2026

New Market, Tennessee Rates & Resources