Current Quebeck, Tennessee CD rates include Leaders Credit UnionLeaders Credit UnionA+5.0 ★Texas Ratio: 4.57%Real return: +1.45%APY minus CPI (February 2026) offering 12-Month Certificate Special at 4.25% APY, ORNLORNLA+5.0 ★Texas Ratio: 3.85%Real return: +1.45%APY minus CPI (February 2026) offering 60-Month IRA PROMOTIONAL at 4.25% APY, BCBST Employees Credit UnionBCBST Employees Credit UnionA+5.0 ★Texas Ratio: 0.00%Real return: +1.36%APY minus CPI (February 2026) offering 180 Days at 4.16% APY, UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit UnionB4.4 ★Texas Ratio: 17.71%Real return: +1.32%APY minus CPI (February 2026) offering 36-Month Variable IRA Certificate at 4.12% APY, and Collegedale Credit UnionCollegedale Credit UnionA5.0 ★Texas Ratio: 9.17%Real return: +1.27%APY minus CPI (February 2026) offering 6 Months at 4.07% APY. CD rates as of July 12, 2026 according to verified data from MonitorBankRates.
Quebeck is a smaller community with no bank or credit union branches currently in our database. 468 institutions serving the Tennessee area are available to Quebeck residents, with CD rates as high as 4.25% APY from Leaders Credit Union. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: July 12, 2026
Balances of $500.00-$99,999.99
IRA APY*
Quarterly dividends
$500 to $24,999; $25,000 to $49,999; $50,000 or more
There is a substantial penalty for failure to comply with certificate requirements. Certificate rates are subject to change without notice. You will be paid this rate until first maturity. These are fixed rate certificate, IRA, and HSA requirements.
$500 Minimum. Loss of dividend penalty for early withdrawal.
Early withdrawal penalties may apply. Additional terms are available at a branch.
APY is Annual Percentage Yield. DR is Dividend Rate. Dividends calculated daily, compounded/posted monthly. Rates subject to change without notice. Other rates and terms are available. There is a penalty for early withdrawal.
Dividends calculated daily, compounded/posted monthly. Rates subject without notice. Other rates and terms are available. There is a penalty for early withdrawal.
Relationship APY 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Special CD. APY*
Interest Compounded & Credited: Quarterly
A penalty applies for early withdrawal.
Any certificate account with new money of $10,000.00 may add 0.10% APY to the dividend rate featured above. With an active direct deposit, add 0.25% to current dividend rate. Ask for details.
Balances of $500.00-$99,999.99
Rate: 3.59%, APY: 3.65% for $1,000 - $49,999.99; Rate: 3.64%, APY: 3.70% for $50,000 - $99,999.99; Rate: 3.69%, APY: 3.75% for $100,000 and over
Dividend Rate $50,000 - $99,999.99: 3.64%, Annual Percentage Yield $50,000 - $99,999.99: 3.70%, Dividend Rate $100,000 and over: 3.69%, Annual Percentage Yield $100,000 and over: 3.75%
$500 Minimum. Early withdrawal penalty = 90 days dividend, earned or not.
Rates subject to change without notice.
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 10/29/25 and is subject to change on the Bank's discretion.
$500 to $24,999; $25,000 to $49,999; $50,000 or more
$500 Minimum. One withdrawal with no penalty - all subsequent withdrawals incur a 90 day dividend penalty.
Quarterly dividends
Monthly dividends
Value Plus Certificate
IRA APY*
Special Offers
Compounding
$500 minimum deposit required
$500 minimum deposit required
A penalty applies for early withdrawal.
Interest Compounded & Credited: Quarterly
Rate: 3.74%, APY: 3.80% for $1,000 - $49,999.99; Rate: 3.74%, APY: 3.80% for $50,000 - $99,999.99; Rate: 3.74%, APY: 3.80% for $100,000 and over
Dividend Rate $50,000 - $99,999.99: 3.74%, Annual Percentage Yield $50,000 - $99,999.99: 3.80%, Dividend Rate $100,000 and over: 3.74%, Annual Percentage Yield $100,000 and over: 3.80%
Any certificate account with new money of $10,000.00 may add 0.10% APY to the dividend rate featured above. With an active direct deposit, add 0.25% to current dividend rate. Ask for details.
Balances of $500.00-$99,999.99
$500 to $24,999; $25,000 to $49,999; $50,000 or more
Jumbo IRA: 3.65% APY*
Jumbo IRA: 3.65% APY*
Rates subject to change without notice.
$1,200 Minimum. Early withdrawal penalty = 90 days dividend earned or not.
Quarterly dividends
DR is Dividend Rate. Rates subject to change without notice. Dividends calculated daily, compounded/posted monthly. Fees may affect earnings. Other rates and terms are available. There is a penalty for early withdrawal. Minimum balance to receive advertised rate is $500.
Minimum balance to earn APY: $100,000, $40,000, $100
Monthly dividends
Minimum balance to earn APY: $100,000, $40,000, $100
A penalty applies for early withdrawal.
Dividend Rate $50,000 - $99,999.99: 3.88%, Annual Percentage Yield $50,000 - $99,999.99: 3.95%, Dividend Rate $100,000 and over: 3.93%, Annual Percentage Yield $100,000 and over: 4.00%
Any certificate account with new money of $10,000.00 may add 0.10% APY to the dividend rate featured above. With an active direct deposit, add 0.25% to current dividend rate. Ask for details.
Jumbo IRA: 3.60% APY*
Jumbo IRA: 3.60% APY*
Quarterly dividends
Jumbo Certificate
APY is Annual Percentage Yield. DR is Dividend Rate. Dividends calculated daily, compounded/posted monthly. Rates subject to change without notice. Other rates and terms are available. There is a penalty for early withdrawal.
Dividends calculated daily, compounded/posted monthly. Rates subject without notice. Other rates and terms are available. There is a penalty for early withdrawal.
DR is Dividend Rate. Rates subject to change without notice. Dividends calculated daily, compounded/posted monthly. Fees may affect earnings. Other rates and terms are available. There is a penalty for early withdrawal.
APY is Annual Percentage Yield. DR is Dividend Rate. Rates subject to change without notice. Dividends calculated daily, compounded/posted monthly. Other rates and terms are available. There is a penalty for early withdrawal.
APY is Annual Percentage Yield. DR is Dividend Rate. Rates subject to change without notice. Dividends calculated daily, compounded/posted monthly. Other rates and terms are available. There is a penalty for early withdrawal.
Monthly dividends
$500 to $24,999; $25,000 to $49,999; $50,000 or more
IRA APY*
$1,800 Minimum. Early withdrawal penalty = 90 days dividend earned or not.
Variable Rate
Interest Pays Quarterly
STAR-SPANGLED SAVINGS ? Celebrate America's 250th Anniversary ? Limited time offer. This offer is subject to change without notice. Consumer and commercial deposits only, no brokered funds. Interest compounded daily. Subject to terms and conditions. Volunteer Federal reserves the right to refuse any deposit. Early withdrawal penalties may apply.
Rate: 3.83%, APY: 3.90% for $1,000 - $49,999.99; Rate: 3.88%, APY: 3.95% for $50,000 - $99,999.99; Rate: 3.93%, APY: 4.00% for $100,000 and over
A penalty applies for early withdrawal.
Jumbo APY: 3.80%, Jumbo Dividend Rate: 3.74%, Early Withdrawal Penalty: 180 Days' Dividends
Any certificate account with new money of $10,000.00 may add 0.10% APY to the dividend rate featured above. With an active direct deposit, add 0.25% to current dividend rate. Ask for details.
Jumbo IRA: 3.66% APY*
Jumbo IRA: 3.66% APY*
Quarterly dividends
Minimum balance to earn APY: $100,000, $40,000, $100
Quarterly dividends
These are fixed rate certificate, IRA, and HSA requirements.
These are fixed rate certificate, IRA, and HSA requirements.
Early withdrawal penalty 120 days
There is a substantial penalty for failure to comply with certificate requirements. Certificate rates are subject to change without notice. You will be paid this rate until first maturity. These are fixed rate certificate, IRA, and HSA requirements.
Monthly dividends
Balances of $500.00-$99,999.99
Monthly Dividend Compound. Automatic deposits of at least $25.00 per month are required on balances under $25,000.00. Failure to complete required deposits may result in early withdrawal penalties and closure. Additional deposits allowed within the term of the certificate account. No limits required for additional deposits.
$500 to $24,999; $25,000 to $49,999; $50,000 or more
$2,000 Minimum. Early withdrawal penalty = 90 days dividend earned or not.
IRA APY*
Minimum balance to earn APY: $100,000, $40,000, $100
$500 minimum deposit required
$500 minimum deposit required
Dividend Rate $50,000 - $99,999.99: 3.88%, Annual Percentage Yield $50,000 - $99,999.99: 3.95%, Dividend Rate $100,000 and over: 3.93%, Annual Percentage Yield $100,000 and over: 4.00%
Rate: 3.83%, APY: 3.90% for $1,000 - $49,999.99; Rate: 3.88%, APY: 3.95% for $50,000 - $99,999.99; Rate: 3.93%, APY: 4.00% for $100,000 and over
Jumbo APY: 3.80%, Jumbo Dividend Rate: 3.74%, Early Withdrawal Penalty: 180 Days' Dividends
Any certificate account with new money of $10,000.00 may add 0.10% APY to the dividend rate featured above. With an active direct deposit, add 0.25% to current dividend rate. Ask for details.
Minimum balance to earn APY: $100,000, $40,000, $100
Jumbo IRA: 3.56% APY*
Jumbo IRA: 3.56% APY*
These are fixed rate certificate, IRA, and HSA requirements.
These are fixed rate certificate, IRA, and HSA requirements.
Early withdrawal penalty 182 days
There is a substantial penalty for failure to comply with certificate requirements. Certificate rates are subject to change without notice. You will be paid this rate until first maturity. These are fixed rate certificate, IRA, and HSA requirements.
Balances of $500.00-$99,999.99
IRA APY*
Interest Pays Quarterly
Jumbo APY: 3.80%, Jumbo Dividend Rate: 3.74%, Early Withdrawal Penalty: 240 Days' Dividends
These are fixed rate certificate, IRA, and HSA requirements.
These are fixed rate certificate, IRA, and HSA requirements.
There is a substantial penalty for failure to comply with certificate requirements. Certificate rates are subject to change without notice. You will be paid this rate until first maturity. These are fixed rate certificate, IRA, and HSA requirements.
Minimum balance to earn APY: $100,000, $40,000, $100
Any certificate account with new money of $10,000.00 may add 0.10% APY to the dividend rate featured above. With an active direct deposit, add 0.25% to current dividend rate. Ask for details.
Jumbo IRA: 3.56% APY*
Jumbo IRA: 3.56% APY*
Balances of $500.00-$99,999.99
IRA APY*
Interest Pays Quarterly
$500 to $24,999; $25,000 to $49,999; $50,000 or more
$500 minimum deposit required
$500 minimum deposit required
Dividend Rate $50,000 - $99,999.99: 3.88%, Annual Percentage Yield $50,000 - $99,999.99: 3.95%, Dividend Rate $100,000 and over: 3.93%, Annual Percentage Yield $100,000 and over: 4.00%
Rate: 3.83%, APY: 3.90% for $1,000 - $49,999.99; Rate: 3.88%, APY: 3.95% for $50,000 - $99,999.99; Rate: 3.93%, APY: 4.00% for $100,000 and over
Jumbo APY: 3.80%, Jumbo Dividend Rate: 3.74%, Early Withdrawal Penalty: 240 Days' Dividends
Jumbo APY: 3.80%, Jumbo Dividend Rate: 3.74%, Early Withdrawal Penalty: 240 Days' Dividends
These are fixed rate certificate, IRA, and HSA requirements.
These are fixed rate certificate, IRA, and HSA requirements.
Jumbo IRA: 3.61% APY*
Jumbo IRA: 3.61% APY*
There is a substantial penalty for failure to comply with certificate requirements. Certificate rates are subject to change without notice. You will be paid this rate until first maturity. These are fixed rate certificate, IRA, and HSA requirements.
Minimum balance to earn APY: $100,000, $40,000, $100
Any certificate account with new money of $10,000.00 may add 0.10% APY to the dividend rate featured above. With an active direct deposit, add 0.25% to current dividend rate. Ask for details.
A penalty applies for early withdrawal.
Balances of $500.00-$99,999.99
IRA APY*
Interest Pays Quarterly
Compare local Quebeck, TN CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Tennessee 12-month CD rates rose 0.326 points over the past 7 days to 2.654% APY.
Tennessee 6-month CD rates rose 0.454 points over the past 7 days to 2.290% APY.
Where are Tennessee CD rates headed through July 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
Annual interest earnings at today’s Tennessee average APYs. State average used where available; national average as fallback.
| CD Term | TN Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.945% | $97.26 | $194.52 | $486.30 | $972.60 |
| 6-Month CD | 2.290% | $114.49 | $228.97 | $572.43 | $1,144.85 |
| 12-Month CD | 2.654% | $132.71 | $265.41 | $663.53 | $1,327.05 |
| 18-Month CD | 2.939% | $146.97 | $293.93 | $734.83 | $1,469.65 |
| 24-Month CD | 3.014% | $150.69 | $301.38 | $753.45 | $1,506.90 |
| 36-Month CD | 3.051% | $152.53 | $305.06 | $762.65 | $1,525.30 |
| 48-Month CD | 2.899% | $144.94 | $289.88 | $724.70 | $1,449.40 |
| 60-Month CD | 3.123% | $156.16 | $312.31 | $780.78 | $1,561.55 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of July 12, 2026. | |||||
$25,000 split equally across 5 terms using today’s Tennessee average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | TN Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.945% | $97.26 |
| 2 | 6-Month CD | $5,000 | 2.290% | $114.49 |
| 3 | 12-Month CD | $5,000 | 2.654% | $132.71 |
| 4 | 24-Month CD | $5,000 | 3.014% | $150.69 |
| 5 | 36-Month CD | $5,000 | 3.051% | $152.53 |
| Total ($25,000 invested) | $25,000 | 2.591% blended | $647.68/yr | |
Ladder example uses equal $5,000 rungs and Tennessee average APYs. Actual earnings depend on the specific institution and product chosen. Use the calculator above to model your exact deposit amounts.
MonitorBankRates tracks 417 CD rates from 16 banks and 38 credit unions with locations in Quebeck, 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: Leaders Credit Union offers a CD at 4.25% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Quebeck, Tennessee.
What to compare when shopping for a CD in Quebeck, Tennessee
To find the best APYs in Quebeck, Tennessee, start with credit unions and online-only banks — Quebeck, Tennessee has 38 credit unions in our database, and they consistently offer some of the highest yields because they have lower overhead than traditional banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn.
Also compare the early withdrawal penalty. Common penalties range from 30 to 180 days of interest depending on the term. If you’re unsure whether you’ll need the funds early, a no-penalty CD or a high-yield savings account may be a better fit.
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
17.1% of residents are 65 or older, in line with the national average of 17.3%. At today’s TN 12-month CD average of 2.654%, saving 10% of the local median salary ($4,241/year) and putting it in a CD would earn an additional $113 annually in interest.
Data: U.S. Census Bureau, American Community Survey 5-Year Estimates 2024. Median earnings from ACS 2023 place-level estimates.
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Quebeck, 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 Quebeck, Tennessee as everywhere in the U.S.
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Quebeck, Tennessee savers easier access to their funds. For example, BCBST Employees Credit Union is offering its 180 Days at 4.16% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, ORNL is offering its 60-Month IRA PROMOTIONAL at 4.25% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Quebeck, Tennessee saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Quebeck, Tennessee CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Most CDs carry a fixed rate that is locked for the entire term, protecting a Quebeck, 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.
At today’s TN top rate of 4.25% APY, a $10,000 deposit earns $425 in the first year. Enter your amount to see your exact return.
Quebeck, Tennessee CD LadderTN CD rates currently range from 1.945% (3-month) to 3.051% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Quebeck, Tennessee CD at 4.25% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsTennessee’s average 12-month CD is 2.654% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Quebeck, 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 Quebeck, 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 Quebeck, 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.