CD Rates Tennessee (TN) for March 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Tennessee CD rates include Firefighters First Federal Credit UnionFirefighters First Federal Credit Union5150 Stage Rd Ste 102, Memphis, CA 38134 3169A+5.0 ★Texas Ratio: 1.58% offering Dream Home Share Certificate 2 Year Retirement Share Certificate at 4.10% APY, SouthEast BankSouthEast Bank285 Front St, Spring City, TN 37381C-3.6 ★Texas Ratio: 31.66% offering 6-Month CD Special at 4.00% APY, Austin Capital BankAustin Capital Bank131 Maple Row Blvd Ste 401, Hendersonville, TX 37075A+5.0 ★Texas Ratio: 0.43% offering 3 Month Certificate of Deposit at 3.91% APY, US Community Credit UnionUS Community Credit Union89 Hermitage Ave, Nashville, TN 37210A+5.0 ★Texas Ratio: 1.37% offering 12 Month Special Regular Certificate at 3.91% APY, and TRUST Federal Credit UnionTRUST Federal Credit Union2186 Northgate Park Ln, Chattanooga, TN 37415 6911B+4.7 ★Texas Ratio: 18.28% offering 6-Month Share Certificate at 3.90% APY.
To help you find the best CD rates in Tennessee, use our comprehensive rate tables for side-by-side comparisons across all 8 CD terms from local and national banks and credit unions, to ensure you find the best CD rates available.
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: March 19, 2026
Tennessee CD Rate Trends
Compare local Tennessee CD rate quotes against the statewide average
Weekly CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — TN Avg
2.542%
▼ 0.567 from last week
Tennessee 12-month CD rates fell 0.567 points this week to 2.542% APY, down from 3.108% last week.
6-Month CD — TN Avg
2.555%
▲ 0.033 from last week
Tennessee 6-month CD rates rose 0.033 points this week to 2.555% APY, up from 2.522% last week.
As of Mar 20, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Compare Best CD Rates in Tennessee
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
131 Maple Row Blvd Ste 401, Hendersonville, TX 37075
3 Month Certificate of Deposit
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
9525 Apison Pike, Collegedale, CA 37315
3-Month Share Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
$100,000 Minimum to Earn APY
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2, Gray, TN 37615
3 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 14, 2026
Details
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1122 N Main St, Shelbyville, TN 37160
3 Month Certificates of Deposit (Regular & IRAs)
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
2711 Old Lebanon Pike, Nashville, TN 37214
3 Month Share Certificate
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN 37210
3 Month Certificate (quarterly dividends) Jumbo Certificate
$50,000
3.00%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMar 17, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN 37210
3 Month Certificate (quarterly dividends) Regular Certificate
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
1701 21st Ave s, Nashville, TN 37212 3703
3-Month Certificate
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
Volunteer State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
9000 Carothers Pkwy, Franklin, TN 37067
3 Month CD/IRA
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
775 Ridge Lake Blvd, Memphis, AR 38120
1 - 3 Month CD
$1,000
1.76%
▼
Rate1.75%
Min Deposit$1,000
Min Balance—
UpdatedMar 19, 2026
Details
First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
100 Mcmurry Blvd E, Hartsville, AR 37074
90 Day CD
$5,000
0.95%
▼
Rate0.95%
Min Deposit$5,000
Min Balance—
UpdatedMar 19, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
SouthEast Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.66%
285 Front St, Spring City, TN 37381
6-Month CD Special
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 15, 2026
Details
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN 37415 6911
6-Month Share Certificate
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
FirstBank (TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
71 S Mechanic St, Lynchburg, TN 37352
6 Month CD
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
FirstBank (TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
71 S Mechanic St, Lynchburg, TN 37352
6-month CD
$500
3.80%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
Minimum balance to earn 3.80% APY is $500. Maximum deposit of $500,000 is only for online account opening. Interest penalty will apply for early withdrawal. Public Funds are not eligible. Fees may reduce earnings. The APY for the 6-month and 30-month CD is 3.80% paid until account maturity. Rates subject to change. APY assumes interest remains on deposit until maturity. CD terms greater than one (1) year credit interest to the principal annually. CD terms of one (1) year or less credit interest at maturity. Early withdrawals or periodic interest payments will reduce earnings.
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
775 Ridge Lake Blvd, Memphis, AR 38120
6 Month CD
$1,000
3.80%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMar 19, 2026
Details
Financial Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
1715 Aaron Brenner Dr, Memphis, TN 38120
6 Month CD
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 18, 2026
Details
Community Bank Lexington, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
19 Natchez Trace Dr S, Lexington, TN 38351
6 Month Certificates of Deposit
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
Community Bank Lexington, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
19 Natchez Trace Dr S, Lexington, TN 38351
IRA 6 Month
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
Community Bank Lexington, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
19 Natchez Trace Dr S, Lexington, TN 38351
IRA Certificates 6 Month
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
3183 Poplar Ave, Memphis, TN 38111
6 Month Certificate
$50,000
3.75%
▼
Rate3.72%
Min Deposit$50,000
Min Balance—
UpdatedMar 17, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, CA 38134 3169
6 Month Share Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, CA 38134 3169
Traditional/Roth IRA Certificates 6 Month IRA
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
3183 Poplar Ave, Memphis, TN 38111
6 Month Certificate
$10,000
3.70%
▼
Rate3.67%
Min Deposit$10,000
Min Balance—
UpdatedMar 17, 2026
Details
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
2050 Lowes Dr, Clarksville, TN 37040 1620
Fixed Rate Certificate | 6 Month
$0
3.70%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
$1,000.00 Minimum Balance to Earn Stated APY
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, CA 38134 3169
6 Month Share Certificate
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, CA 38134 3169
Dream Home Share Certificate 1 Year Retirement Share Certificate
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
$10,000 - $49,999.99
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN 37210
12 Month Special Regular Certificate
$5,000
3.91%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMar 17, 2026
Details
minimum $5,000 New Money/maximum $250,000
SouthEast Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.66%
285 Front St, Spring City, TN 37381
12-Month CD Special
$1,000
3.85%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 15, 2026
Details
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN 37415 6911
12-Month Share Certificate
$500
3.85%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, CA 38134 3169
1 Year Rookie Share Certificate
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, CA 38134 3169
1 Year Share Certificate
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, CA 38134 3169
1 Year Share Certificates
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, CA 38134 3169
Traditional/Roth IRA Certificates 1 Year IRA
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
ORNL
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
1117 N Charles G Seivers Blvd, Clinton, 37716 3943
12-Month IRA PROMOTIONAL
$500
3.80%
▼
Rate3.73%
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
($500 minimum deposit required)
ORNL
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
1117 N Charles G Seivers Blvd, Clinton, 37716 3943
12-Month PROMOTIONAL
$500
3.80%
▼
Rate3.73%
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
($500 minimum deposit required)
Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
1401 W Main St, Lebanon, TN 37087
12 Month Share Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
1401 W Main St, Lebanon, TN 37087
12 Month Share Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
1401 W Main St, Lebanon, TN 37087
Share Certificates 12 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Financial Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
1715 Aaron Brenner Dr, Memphis, TN 38120
12 Month CD
$1,000
3.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 18, 2026
Details
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
2050 Lowes Dr, Clarksville, TN 37040 1620
Fixed Rate Certificate | 12 Month
$0
3.65%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
$1,000.00 Minimum Balance to Earn Stated APY
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, CA 38134 3169
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, CA 38134 3169
Traditional/Roth IRA Certificates 18 Month IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, CA 38134 3169
Traditional/Roth IRA Certificates 18 Month IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN 37415 6911
18-Month Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
9525 Apison Pike, Collegedale, CA 37315
IRA Certificate Term 18-Month Variable
$100,000
3.72%
▼
Rate3.66%
Min Deposit$100,000
Min Balance—
UpdatedMar 15, 2026
Details
$100,000 Minimum to Earn APY
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
201 Battlecreek Rd, South Pittsburg, AL 37380
18 Month Certificate of Deposit
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN 37210
18 Month Retention Special Regular Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Maturing certificates only
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2, Gray, TN 37615
18 Month Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 14, 2026
Details
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
2050 Lowes Dr, Clarksville, TN 37040 1620
Fixed Rate Certificate | 18 Month
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
$1,000.00 Minimum Balance to Earn Stated APY
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
2050 Lowes Dr, Clarksville, TN 37040 1620
Fixed Rate IRA Certificate 18 Month
$500
3.40%
▼
Rate3.36%
Min Deposit$500
Min Balance—
UpdatedMar 16, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN 37210
IRA 18 Month Certificate
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
($500 - $49,999.99)
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN 37210
Roth IRA 18 Month Certificate
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
($500 - $49,999.99)
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
3183 Poplar Ave, Memphis, TN 38111
18 Month Certificate
$50,000
3.35%
▼
Rate3.35%
Min Deposit$50,000
Min Balance—
UpdatedMar 17, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN 37643
18 Month Certificate Account with Rewards
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
3183 Poplar Ave, Memphis, TN 38111
18 Month Certificate
$10,000
3.30%
▼
Rate3.30%
Min Deposit$10,000
Min Balance—
UpdatedMar 17, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, CA 38134 3169
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, CA 38134 3169
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, CA 38134 3169
2 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, CA 38134 3169
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
$10,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, CA 38134 3169
2 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, CA 38134 3169
2 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Financial Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
1715 Aaron Brenner Dr, Memphis, TN 38120
2 Year CD
$1,000
3.70%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMar 18, 2026
Details
Knoxville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
5207 Schubert Rd, Knoxville, TN 37912
24 Month Share Certificate
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 14, 2026
Details
($100,000+)
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN 37415 6911
24-Month Share Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN 37643
24 Month Certificate Account with Rewards
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 18, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN 37210
IRA 24 Month Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
($50,000 or more)
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN 37210
Roth IRA 24 Month Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
($50,000 or more)
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
9525 Apison Pike, Collegedale, CA 37315
24-Month Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
$100,000 Minimum to Earn APY
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
9525 Apison Pike, Collegedale, CA 37315
IRA Certificate Term 24-Month Fixed
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedMar 15, 2026
Details
$100,000 Minimum to Earn APY
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2, Gray, TN 37615
24 Month Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 14, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, CA 38134 3169
3 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, CA 38134 3169
Traditional/Roth IRA Certificates 3 Year IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, CA 38134 3169
3 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, CA 38134 3169
Traditional/Roth IRA Certificates 3 Year IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, CA 38134 3169
3 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, CA 38134 3169
Traditional/Roth IRA Certificates 3 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
ORNL
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
1117 N Charles G Seivers Blvd, Clinton, 37716 3943
36-Month IRA PROMOTIONAL
$500
3.80%
▼
Rate3.73%
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
($500 minimum deposit required)
ORNL
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
1117 N Charles G Seivers Blvd, Clinton, 37716 3943
36-Month PROMOTIONAL
$500
3.80%
▼
Rate3.73%
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
($500 minimum deposit required)
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
9525 Apison Pike, Collegedale, CA 37315
IRA Certificate Term 36-Month Variable
$100,000
3.67%
▼
Rate3.61%
Min Deposit$100,000
Min Balance—
UpdatedMar 15, 2026
Details
$100,000 Minimum to Earn APY
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN 37643
36 Month Certificate Account
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN 37210
IRA 36 Month Certificate
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
($50,000 or more)
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN 37210
Roth IRA 36 Month Certificate
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
($50,000 or more)
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
9525 Apison Pike, Collegedale, CA 37315
36-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
$100,000 Minimum to Earn APY
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
9525 Apison Pike, Collegedale, CA 37315
IRA Certificate Term 36-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMar 15, 2026
Details
$100,000 Minimum to Earn APY
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2, Gray, TN 37615
36 Month Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMar 14, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN 37643
48 Month Certificate Account
$0
3.70%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN 37210
IRA 48 Month Certificate
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
($50,000 or more)
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN 37210
Roth IRA 48 Month Certificate
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
($50,000 or more)
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
9525 Apison Pike, Collegedale, CA 37315
48-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
$100,000 Minimum to Earn APY
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
9525 Apison Pike, Collegedale, CA 37315
IRA Certificate Term 48-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedMar 15, 2026
Details
$100,000 Minimum to Earn APY
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2, Gray, TN 37615
48 Month Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMar 14, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN 37210
48 Month Certificate Jumbo Certificate
$50,000
3.40%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMar 17, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN 37210
IRA 48 Month Certificate
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
($500 - $49,999.99)
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN 37210
Roth IRA 48 Month Certificate
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
($500 - $49,999.99)
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN 37210
48 Month Certificate Regular Certificate
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 17, 2026
Details
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
2050 Lowes Dr, Clarksville, TN 37040 1620
Fixed Rate Certificate | 48 Month
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
$1,000.00 Minimum Balance to Earn Stated APY
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
2050 Lowes Dr, Clarksville, TN 37040 1620
Fixed Rate IRA Certificate 48 Month
$500
3.25%
▼
Rate3.21%
Min Deposit$500
Min Balance—
UpdatedMar 16, 2026
Details
New South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.30%
3261 N Mall Rd, Knoxville, TN 37924
48 Month Certificates
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN 37064 5313
4 Year Certificate
$500
3.10%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMar 15, 2026
Details
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
2711 Old Lebanon Pike, Nashville, TN 37214
48 Month Share Certificate
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, CA 38134 3169
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, CA 38134 3169
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, CA 38134 3169
5 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, CA 38134 3169
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
$10,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, CA 38134 3169
Traditional/Roth IRA Certificates 5 Year IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, CA 38134 3169
5 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, CA 38134 3169
Traditional/Roth IRA Certificates 5 Year IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, CA 38134 3169
5 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, CA 38134 3169
Traditional/Roth IRA Certificates 5 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
980 Jason Witten Way, Elizabethton, TN 37643
60 Month Certificate Account
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN 37210
IRA 5 Year Certificate
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
($50,000 or more)
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN 37210
Roth IRA 5 Year Certificate
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
($50,000 or more)
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
201 Battlecreek Rd, South Pittsburg, AL 37380
60 Month Certificate of Deposit
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
201 Battlecreek Rd, South Pittsburg, AL 37380
60 Month IRA
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
9525 Apison Pike, Collegedale, CA 37315
60-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
$100,000 Minimum to Earn APY
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Frequently Asked Questions about CD Rates in Tennessee
Are CD rates in Tennessee FDIC insured?
Yes, most established banks in 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 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 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 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 Tennessee?
Here are recent top rates found for this area:
- Firefighters First Federal Credit Union: 4.10% APY (Dream Home Share Certificate 2 Year Retirement Share Certificate)
- SouthEast Bank: 4.00% APY (6-Month CD Special)
- Austin Capital Bank: 3.91% APY (3 Month Certificate of Deposit)
- US Community Credit Union: 3.91% APY (12 Month Special Regular Certificate)
- TRUST Federal Credit Union: 3.90% APY (6-Month Share Certificate)
- FirstBank (TN): 3.80% APY (6 Month CD)
- First National Bank of Eastern Arkansas: 3.80% APY (6 Month CD)
- Northeast Community Credit Union: 3.80% APY (60 Month Certificate Account)
- ORNL: 3.80% APY (12-Month IRA PROMOTIONAL)
- Financial Federal Bank: 3.75% APY (6 Month CD)
Rates reflect recent verified offers available in Tennessee. Last Updated: March 19, 2026
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Tennessee directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in 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: March 19, 2026
Cities in Tennessee
