Tennessee CD Rates Today - Compare Best APYs for June 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Tennessee CD rates include Peoples Bank of Middle TennesseePeoples Bank of Middle Tennessee1122 N Main St, Shelbyville, TN 37160A+5.0 ★Texas Ratio: 2.98%Real return: +2.00%APY minus CPI (February 2026) offering 18-Month CD at 4.80% APY, Community Trust BankCommunity Trust Bank106 S Tennessee Ave, La Follette, TN 37766A+5.0 ★Texas Ratio: 2.24%Real return: +1.45%APY minus CPI (February 2026) offering 12-Month CD Special at 4.25% APY, ORNLORNL1117 N Charles G Seivers Blvd, Clinton, TN 37716 3943A+5.0 ★Texas Ratio: 3.85%Real return: +1.45%APY minus CPI (February 2026) offering 60-Month Certificate at 4.25% APY, Sonata BankSonata Bank5005 Maryland Way, Brentwood, TN 37027A+5.0 ★Texas Ratio: 2.99%Real return: +1.25%APY minus CPI (February 2026) offering 6-Month CD Special at 4.05% APY, and Firefighters First Federal Credit UnionFirefighters First Federal Credit Union5150 Stage Rd Ste 102, Memphis, TN 38134 3169A+5.0 ★Texas Ratio: 1.51%Real return: +1.20%APY minus CPI (February 2026) offering Share Certificates 5 Years at 4.00% APY. CD rates as of June 16, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare CD rates across all terms in Tennessee side-by-side. Tennessee CD rates currently reach as high as 4.80% APY from Peoples Bank of Middle Tennessee at 1122 N Main St, Shelbyville, TN 37160. 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: June 16, 2026
Compare Best CD Rates in Tennessee
Tennessee 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
ORNL
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
1117 N Charles G Seivers Blvd, Clinton, TN 37716 3943
3 months through 5 months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Balances of $500.00-$99,999.99
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
520 Airpark Dr, Tullahoma, TN 37388
3 Months
$1,000
3.66%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
9525 Apison Pike, Collegedale, TN 37315
3-Month Share Certificate
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
5034 Bobby Hicks Hwy Ste 2, Gray, TN 37615
3 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 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 Certificate
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 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 IRA Certificate
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
IRA
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—
UpdatedJun 16, 2026
Details
Home Federal Bank of Tennessee
Institution Rating:
A5.0 ★Texas Ratio: 13.35%
515 Market St, Knoxville, TN 37902
3 MO
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
775 Ridge Lake Blvd, Memphis, TN 38120
1 - 3 Month CD
$0
1.76%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
580 Franklin Rd, Franklin, TN 37069
3 Month Certificate
$1,000
1.25%
▼
Rate1.24%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed rate certificate, IRA, and HSA requirements.
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
201 S ILLINOIS AVE, OAK RIDGE, TN 37830
3 Month*
$500
0.50%
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
U T
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
2100 White Ave, Knoxville, TN 37916 2216
3 Months
$0
0.45%
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
420 Central Ave NW, Cleveland, TN 37311
90 Day*
$0
0.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Loss of dividend penalty for early withdrawal.
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
203 Broyles Dr, Johnson City, TN 37601
3 months
$1,000
0.10%
▼
Rate0.10%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
1500 McCallie Ave, Chattanooga, TN 37404 2937
3-Month CD
$0
0.10%
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
230 4th Ave N, Nashville, TN 37219
3 month Standard Fixed Rate CD
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details
Relationship APY: 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
230 4th Ave N, Nashville, TN 37219
3 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details
Relationship APY: 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
450 N Charles G Seivers Blvd, Clinton, TN 37716 3730
3 Months Business Share Certificate
$0
0.05%
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Business Share Certificate $100,000+
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
450 N Charles G Seivers Blvd, Clinton, TN 37716 3730
Business Share Certificates 3 Months
$0
0.05%
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Tennessee 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Sonata Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
5005 Maryland Way, Brentwood, TN 37027
6-Month CD Special
$0
4.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
201 S ILLINOIS AVE, OAK RIDGE, TN 37830
6 Month*
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
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—
UpdatedJun 16, 2026
Details
Interest Compounded & Credited: Quarterly
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
1500 McCallie Ave, Chattanooga, TN 37404 2937
6-Month CD
$0
3.95%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
535 Chestnut St, Chattanooga, TN 37402
6 Months
$1,000
3.90%
▼
Rate3.86%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
A penalty applies for early withdrawal.
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.13%
2186 Northgate Park Ln, Chattanooga, TN 37415 6911
6-Month Share Certificate
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 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
3.80%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Early withdrawal penalty will apply. Rate and offer subject to change without notice. Fees could reduce earnings on account. Not available to institutional investors.
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
775 Ridge Lake Blvd, Memphis, TN 38120
6 Month CD
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Share Certificates 6 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
ORNL
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
1117 N Charles G Seivers Blvd, Clinton, TN 37716 3943
6 months through 11 months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Balances of $500.00-$99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
6 Month IRA
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.59% for $1,000 - $49,999.99; Dividend Rate: 3.64% for $50,000 - $99,999.99; Dividend Rate: 3.69% for $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
6 Month Share Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
1616 Whitten Rd, Memphis, TN 38134
IRA Account 6 Months
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
6 Month IRA
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.59% for $1,000 - $49,999.99; Dividend Rate: 3.64% for $50,000 - $99,999.99; Dividend Rate: 3.69% for $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
6 Month Share Certificate
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Share Certificates 6 Months
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
6 Month IRA
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.59% for $1,000 - $49,999.99; Dividend Rate: 3.64% for $50,000 - $99,999.99; Dividend Rate: 3.69% for $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
6 Month Share Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Share Certificates 6 Months
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
420 Central Ave NW, Cleveland, TN 37311
6 Month*
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Early withdrawal penalty = 90 days dividend, earned or not.
Johnsonville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
209 HIGHWAY 641 N, CAMDEN, TN 38320
6 Month
$0
3.58%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Home Federal Bank of Tennessee
Institution Rating:
A5.0 ★Texas Ratio: 13.35%
515 Market St, Knoxville, TN 37902
6 MO
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
203 Broyles Dr, Johnson City, TN 37601
6 months
$1,000
3.50%
▼
Rate3.46%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
203 Broyles Dr, Johnson City, TN 37601
6-month CD
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
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 10/29/25 and is subject to change on the Bank's discretion.
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
420 Central Ave NW, Cleveland, TN 37311
6 Month*
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
One withdrawal with no penalty - all subsequent withdrawals incur a 90 day dividend penalty.
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
5034 Bobby Hicks Hwy Ste 2, Gray, TN 37615
6 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1623 Hatcher Ln, Columbia, TN 38401 4826
IRA Certificate 6 months
$500
3.49%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1623 Hatcher Ln, Columbia, TN 38401 4826
Standard Certificates 6 months
$500
3.49%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
9525 Apison Pike, Collegedale, TN 37315
6-Month Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
520 Airpark Dr, Tullahoma, TN 37388
6 Months
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN 37334
Share Certificate 6 Months Fixed
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1122 N Main St, Shelbyville, TN 37160
6 Month IRA Certificate
$0
3.19%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
IRA
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1122 N Main St, Shelbyville, TN 37160
6 Month Certificate
$0
3.17%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN 37334
Share Certificate 6 Months (Starter) Fixed
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Special Offers
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN 37334
Special Offers 6 Months (Starter) Fixed
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
1545 Bluff City Hwy, Bristol, TN 37620 6018
6 Month Maturity
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
3155 Millbranch Rd, Memphis, TN 38116 1917
Share Certificates (CDs) 6 Months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Volunteer State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
9000 Carothers Pkwy, Franklin, TN 37067
6 Month CD/IRA
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Homeland Community Bank
Institution Rating:
C+4.2 ★Texas Ratio: 24.87%
900 N Chancery St, Mcminnville, TN 37110
6 Month CD
$500
2.77%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Elizabethton FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
112 N Sycamore St, Elizabethton, TN 37643
6 Month CD
$2,500
2.53%
▼
Rate2.50%
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
3120 Broad St, Chattanooga, TN 37408 3095
6 Month Certificate
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Kemba Delta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
3108 N Germantown Rd, Bartlett, TN 38133
6 Months
$0
2.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN 37027
6 Month Certificate
$0
2.42%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Gateway Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 19.67%
100 Otis Smith Dr, Clarksville, TN 37043 8939
6 Month Term Deposit
$1,000
2.00%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedJun 11, 2026
Details
Parthenon Federal Credit Union
Institution Rating:
D3.1 ★Texas Ratio: 36.29%
2290 Rosa L Parks Blvd, Nashville, TN 37228 1306
6 Months
$500
1.75%
▼
Rate1.75%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
A penalty will be applied for early withdrawal.
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
580 Franklin Rd, Franklin, TN 37069
6 Month Fixed IRA
$1,000
1.50%
▼
Rate1.49%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed rate certificate, IRA, and HSA requirements.
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
580 Franklin Rd, Franklin, TN 37069
6 Month Certificate
$1,000
1.45%
▼
Rate1.44%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed rate certificate, IRA, and HSA requirements.
Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3634 E Andrew Johnson Hwy, Greeneville, TN 37745
6 Month Term Certificate
$0
1.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
U T
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
2100 White Ave, Knoxville, TN 37916 2216
6 Months
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
450 N Charles G Seivers Blvd, Clinton, TN 37716 3730
ROTH IRA Share Certificates -49,999 6 Months
$0
0.40%
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$10,000
Tennessee 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Peoples Bank of Middle Tennessee
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
1122 N Main St, Shelbyville, TN 37160
12-Month CD
$500
4.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 5, 2026
Details
Community Trust Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
106 S Tennessee Ave, La Follette, TN 37766
12-Month CD Special
$0
4.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
535 Chestnut St, Chattanooga, TN 37402
12 Months
$1,000
4.00%
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
A penalty applies for early withdrawal.
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
535 Chestnut St, Chattanooga, TN 37402
Term - 12 Months*
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
201 S ILLINOIS AVE, OAK RIDGE, TN 37830
12 Month
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
ORNL
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
1117 N Charles G Seivers Blvd, Clinton, TN 37716 3943
12-Month Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
($500 minimum deposit required)
ORNL
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
1117 N Charles G Seivers Blvd, Clinton, TN 37716 3943
12-Month IRA Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
($500 minimum deposit required)
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
1 Year Retirement Share Certificate
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate $10,000 - $49,999.99: 3.84%, Annual Percentage Yield $10,000 - $49,999.99: 3.91%, Dividend Rate $50,000 - $99,999.99: 3.84%, Annual Percentage Yield $50,000 - $99,999.99: 3.91%, Dividend Rate $100,000 and over: 3.84%, Annual Percentage Yield $100,000 and over: 3.91%
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.13%
2186 Northgate Park Ln, Chattanooga, TN 37415 6911
12-Month Share Certificate
$500
3.85%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
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—
UpdatedJun 16, 2026
Details
Interest Compounded & Credited: Quarterly
Financial Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
1715 Aaron Brenner Dr, Memphis, TN 38120
12 Month CD
$1,000
3.85%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Early withdrawal penalty will apply. Rate and offer subject to change without notice. Fees could reduce earnings on account. Not available to institutional investors.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
1 Year IRA
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.74% for $1,000 - $49,999.99; Dividend Rate: 3.74% for $50,000 - $99,999.99; Dividend Rate: 3.74% for $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
1 Year Rookie Share Certificate
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
1 Year Share Certificate
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Share Certificates 1 Year
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
1545 Bluff City Hwy, Bristol, TN 37620 6018
12 Month Maturity
$1,000
3.75%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
1500 McCallie Ave, Chattanooga, TN 37404 2937
1-Year CD
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
ORNL
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
1117 N Charles G Seivers Blvd, Clinton, TN 37716 3943
12 months through 23 months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Balances of $500.00-$99,999.99
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1623 Hatcher Ln, Columbia, TN 38401 4826
IRA Certificate 12 months
$500
3.70%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1623 Hatcher Ln, Columbia, TN 38401 4826
Roth IRA Certificates 12 months
$500
3.70%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1623 Hatcher Ln, Columbia, TN 38401 4826
Standard Certificates 12 months
$500
3.70%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
420 Central Ave NW, Cleveland, TN 37311
12 Month*
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Early withdrawal penalty = 90 days dividend earned or not.
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
201 Battlecreek Rd, South Pittsburg, TN 37380
12 Month Certificate of Deposit
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
201 Battlecreek Rd, South Pittsburg, TN 37380
12 Month IRA
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
450 N Charles G Seivers Blvd, Clinton, TN 37716 3730
12 Months Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Special Offer
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
450 N Charles G Seivers Blvd, Clinton, TN 37716 3730
Share Certificates 12 Months
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Special Offer
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
1616 Whitten Rd, Memphis, TN 38134
IRA Account 12 Months
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
5034 Bobby Hicks Hwy Ste 2, Gray, TN 37615
12 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
520 Airpark Dr, Tullahoma, TN 37388
12 Months
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Johnsonville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
209 HIGHWAY 641 N, CAMDEN, TN 38320
12 Month
$0
3.45%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Johnsonville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
209 HIGHWAY 641 N, CAMDEN, TN 38320
12 Month Wealth Builder
$0
3.45%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
9525 Apison Pike, Collegedale, TN 37315
12-Month Fixed
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
9525 Apison Pike, Collegedale, TN 37315
12-Month Share Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN 37334
Share Certificate 12 Months Fixed
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN 37334
Traditional IRAs and Roth IRA Certificates 12 Months Fixed
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Traditional IRAs and Roth IRA Certificates
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
775 Ridge Lake Blvd, Memphis, TN 38120
12 Month IRA Fixed
$100
3.29%
▼
Rate3.25%
Min Deposit$100
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
775 Ridge Lake Blvd, Memphis, TN 38120
12 Month IRA Variable
$100
3.29%
▼
Rate3.25%
Min Deposit$100
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
775 Ridge Lake Blvd, Memphis, TN 38120
1 Year CD
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Tennessee State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
2210 Parkway, Pigeon Forge, TN 37863
12 Month CD Personal
$1,000
3.25%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
203 Broyles Dr, Johnson City, TN 37601
12 months
$1,000
3.25%
▼
Rate3.21%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Veritas Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
1 Nissan Way, Franklin, TN 37067
Roth Convertible Certificate 12 Months
$0
3.24%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Veritas Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
1 Nissan Way, Franklin, TN 37067
Roth IRA Certificate 12 Months
$0
3.24%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Elizabethton FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
112 N Sycamore St, Elizabethton, TN 37643
12 Month CD
$500
3.18%
▼
Rate3.13%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
3155 Millbranch Rd, Memphis, TN 38116 1917
IRA Certificate 12 Months
$0
3.15%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1122 N Main St, Shelbyville, TN 37160
12 Month IRA Certificate
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
IRA
Kemba Delta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
3108 N Germantown Rd, Bartlett, TN 38133
12 Months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
3120 Broad St, Chattanooga, TN 37408 3095
IRA Certificate 12 Month
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
3120 Broad St, Chattanooga, TN 37408 3095
12 Month Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1122 N Main St, Shelbyville, TN 37160
12 Month Certificate
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
C3bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
615 9th Avenue South, Nashville, TN 37203
12 month
$25,000
3.00%
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedJun 16, 2026
Details
Tennessee 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Peoples Bank of Middle Tennessee
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
1122 N Main St, Shelbyville, TN 37160
18-Month CD
$500
4.80%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 5, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
535 Chestnut St, Chattanooga, TN 37402
18 Months
$1,000
4.00%
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
A penalty applies for early withdrawal.
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
535 Chestnut St, Chattanooga, TN 37402
Term - 18 Months*
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
18 Month IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
18 Month IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
9525 Apison Pike, Collegedale, TN 37315
18-Month Variable
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
18 Month IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.13%
2186 Northgate Park Ln, Chattanooga, TN 37415 6911
18-Month Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
201 Battlecreek Rd, South Pittsburg, TN 37380
18 Month Certificate of Deposit
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
1545 Bluff City Hwy, Bristol, TN 37620 6018
18 Month Maturity
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
5034 Bobby Hicks Hwy Ste 2, Gray, TN 37615
18 Month Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
520 Airpark Dr, Tullahoma, TN 37388
18 Months
$1,000
3.45%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1623 Hatcher Ln, Columbia, TN 38401 4826
IRA Certificate 18 months
$500
3.44%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1623 Hatcher Ln, Columbia, TN 38401 4826
Standard Certificates 18 months
$500
3.44%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
775 Ridge Lake Blvd, Memphis, TN 38120
18 Month IRA Fixed
$100
3.29%
▼
Rate3.25%
Min Deposit$100
Min Balance—
UpdatedJun 16, 2026
Details
Veritas Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
1 Nissan Way, Franklin, TN 37067
IRA Certificate 18 Months
$0
3.29%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
450 N Charles G Seivers Blvd, Clinton, TN 37716 3730
ROTH IRA Share Certificates -99,999 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$50,000
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
450 N Charles G Seivers Blvd, Clinton, TN 37716 3730
Traditional IRA Share Certificates -99,999 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$50,000
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
450 N Charles G Seivers Blvd, Clinton, TN 37716 3730
Traditional IRA Share Certificates -9,999 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$500
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
450 N Charles G Seivers Blvd, Clinton, TN 37716 3730
Traditional IRA Share Certificates -49,999 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$10,000
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
450 N Charles G Seivers Blvd, Clinton, TN 37716 3730
Share Certificates -99,999 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$50,000
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
450 N Charles G Seivers Blvd, Clinton, TN 37716 3730
Share Certificates -9,999 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$500
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
450 N Charles G Seivers Blvd, Clinton, TN 37716 3730
Share Certificates -49,999 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$10,000
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
450 N Charles G Seivers Blvd, Clinton, TN 37716 3730
18 Months Business Share Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Business Share Certificate $100,000+
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
450 N Charles G Seivers Blvd, Clinton, TN 37716 3730
ROTH IRA Share Certificates -9,999 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$500
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
450 N Charles G Seivers Blvd, Clinton, TN 37716 3730
ROTH IRA Share Certificates -49,999 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$10,000
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
450 N Charles G Seivers Blvd, Clinton, TN 37716 3730
Business Share Certificates 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
450 N Charles G Seivers Blvd, Clinton, TN 37716 3730
18 Months Traditional IRA Share Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Jumbo Certificate $100,000+
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
450 N Charles G Seivers Blvd, Clinton, TN 37716 3730
18 Months Share Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Share Certificate $50,000-99,999
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
450 N Charles G Seivers Blvd, Clinton, TN 37716 3730
18 Months ROTH IRA Share Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Jumbo Certificate $100,000+
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
450 N Charles G Seivers Blvd, Clinton, TN 37716 3730
18 Months Education IRA Share Certificate
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Education IRA Share Certificate $500-9,999
Tennessee State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
2210 Parkway, Pigeon Forge, TN 37863
Traditional IRA 18 Month CD
$100
3.21%
▼
Rate3.20%
Min Deposit$100
Min Balance—
UpdatedJun 16, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN 37334
Traditional IRAs and Roth IRA Certificates 18 Months Fixed
$0
3.19%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Traditional IRAs and Roth IRA Certificates
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN 37334
Share Certificate 18 Months Fixed
$0
3.19%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Johnsonville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
209 HIGHWAY 641 N, CAMDEN, TN 38320
18 Month
$0
3.10%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
775 Ridge Lake Blvd, Memphis, TN 38120
18 Month CD
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★Texas Ratio: 6.31%
1604 Remke Ave, Lawrenceburg, TN 38464 2261
IRA Certificates of Deposit - 18 Month
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Home Federal Bank of Tennessee
Institution Rating:
A5.0 ★Texas Ratio: 13.35%
515 Market St, Knoxville, TN 37902
18 MO
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
3120 Broad St, Chattanooga, TN 37408 3095
18 Month Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Kemba Delta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
3108 N Germantown Rd, Bartlett, TN 38133
18 Months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Elizabethton FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
112 N Sycamore St, Elizabethton, TN 37643
18 Month CD
$500
2.89%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1122 N Main St, Shelbyville, TN 37160
18 Month IRA Certificate
$0
2.88%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
IRA
Homeland Community Bank
Institution Rating:
C+4.2 ★Texas Ratio: 24.87%
900 N Chancery St, Mcminnville, TN 37110
18 Month CD
$500
2.86%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1122 N Main St, Shelbyville, TN 37160
18 Month Certificate
$0
2.85%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3634 E Andrew Johnson Hwy, Greeneville, TN 37745
18 Month Term Certificate
$0
2.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
420 Central Ave NW, Cleveland, TN 37311
18 Month*
$0
2.83%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Early withdrawal penalty = 90 days dividend earned or not.
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN 37027
18 Month Certificate
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Volunteer State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
9000 Carothers Pkwy, Franklin, TN 37067
18 Month CD/IRA
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Volunteer State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
9000 Carothers Pkwy, Franklin, TN 37067
18 Month Variable IRA
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Variable rate
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 7.39%
1451 Madison Ave, Memphis, TN 38104
IRA 18-Month Certificate
$0
2.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Tennessee 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Peoples Bank of Middle Tennessee
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
1122 N Main St, Shelbyville, TN 37160
24-Month CD
$500
4.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 5, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
2 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Share Certificates 2 Years
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
2 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate $10,000 - $49,999.99: 3.93%, Annual Percentage Yield $10,000 - $49,999.99: 4.00%, Dividend Rate $50,000 - $99,999.99: 3.98%, Annual Percentage Yield $50,000 - $99,999.99: 4.05%, Dividend Rate $100,000 and over: 4.03%, Annual Percentage Yield $100,000 and over: 4.10%
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
2 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Share Certificates 2 Years
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
1500 McCallie Ave, Chattanooga, TN 37404 2937
2 1/2-Year CD
$0
3.95%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
2 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Share Certificates 2 Years
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
535 Chestnut St, Chattanooga, TN 37402
24 Months
$1,000
3.75%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
A penalty applies for early withdrawal.
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
535 Chestnut St, Chattanooga, TN 37402
Term - 24 Months*
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
1545 Bluff City Hwy, Bristol, TN 37620 6018
24 Month Maturity
$1,000
3.75%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
1500 McCallie Ave, Chattanooga, TN 37404 2937
1 1/2 Year-CD
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.13%
2186 Northgate Park Ln, Chattanooga, TN 37415 6911
24-Month Share Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
1500 McCallie Ave, Chattanooga, TN 37404 2937
2-Year CD
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
9525 Apison Pike, Collegedale, TN 37315
24-Month Share Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
5034 Bobby Hicks Hwy Ste 2, Gray, TN 37615
24 Month Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
9525 Apison Pike, Collegedale, TN 37315
24-Month Fixed
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
520 Airpark Dr, Tullahoma, TN 37388
24 Months
$1,000
3.45%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1623 Hatcher Ln, Columbia, TN 38401 4826
IRA Certificate 24 months
$500
3.44%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1623 Hatcher Ln, Columbia, TN 38401 4826
Standard Certificates 24 months
$500
3.44%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
580 Franklin Rd, Franklin, TN 37069
2 Year Fixed HSA
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
580 Franklin Rd, Franklin, TN 37069
2 Year Fixed IRA
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed rate certificate, IRA, and HSA requirements.
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
775 Ridge Lake Blvd, Memphis, TN 38120
2 Year CD
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
775 Ridge Lake Blvd, Memphis, TN 38120
24 Month IRA Fixed
$100
3.29%
▼
Rate3.25%
Min Deposit$100
Min Balance—
UpdatedJun 16, 2026
Details
Early withdrawal penalty 120 days
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
580 Franklin Rd, Franklin, TN 37069
2 Year Certificate
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed rate certificate, IRA, and HSA requirements.
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN 37334
Traditional IRAs and Roth IRA Certificates 24 Months Fixed
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Traditional IRAs and Roth IRA Certificates
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN 37334
Share Certificate 24 Months Fixed
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
203 Broyles Dr, Johnson City, TN 37601
24 months
$1,000
3.00%
▼
Rate2.97%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
1235 E Weisgarber Rd, Knoxville, TN 37909 2646
24-Mo Trad/Roth IRA CD (Fixed)
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
1616 Whitten Rd, Memphis, TN 38134
IRA Account 24 Months
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
3120 Broad St, Chattanooga, TN 37408 3095
24 Month Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Johnsonville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
209 HIGHWAY 641 N, CAMDEN, TN 38320
24 Month
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
ORNL
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
1117 N Charles G Seivers Blvd, Clinton, TN 37716 3943
24 months through 35 months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Balances of $500.00-$99,999.99
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
420 Central Ave NW, Cleveland, TN 37311
24 Month*
$0
2.93%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Early withdrawal penalty = 90 days dividend earned or not.
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
201 Battlecreek Rd, South Pittsburg, TN 37380
24 Month Certificate of Deposit
$0
2.90%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
201 Battlecreek Rd, South Pittsburg, TN 37380
24 Month IRA
$0
2.90%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Elizabethton FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
112 N Sycamore St, Elizabethton, TN 37643
24 Month CD
$500
2.89%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Homeland Community Bank
Institution Rating:
C+4.2 ★Texas Ratio: 24.87%
900 N Chancery St, Mcminnville, TN 37110
24 Month CD
$500
2.85%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1122 N Main St, Shelbyville, TN 37160
24 Month IRA Certificate
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
IRA
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
450 N Charles G Seivers Blvd, Clinton, TN 37716 3730
ROTH IRA Share Certificates -49,999 24 Months
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$10,000
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
201 S ILLINOIS AVE, OAK RIDGE, TN 37830
24 Month
$500
2.75%
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
450 N Charles G Seivers Blvd, Clinton, TN 37716 3730
Traditional IRA Share Certificates -99,999 24 Months
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$50,000
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
450 N Charles G Seivers Blvd, Clinton, TN 37716 3730
Traditional IRA Share Certificates -9,999 24 Months
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$500
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
450 N Charles G Seivers Blvd, Clinton, TN 37716 3730
Traditional IRA Share Certificates -49,999 24 Months
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$10,000
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
450 N Charles G Seivers Blvd, Clinton, TN 37716 3730
Share Certificates -9,999 24 Months
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$500
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
450 N Charles G Seivers Blvd, Clinton, TN 37716 3730
Share Certificates -49,999 24 Months
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$10,000
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
450 N Charles G Seivers Blvd, Clinton, TN 37716 3730
ROTH IRA Share Certificates -99,999 24 Months
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$50,000
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
450 N Charles G Seivers Blvd, Clinton, TN 37716 3730
ROTH IRA Share Certificates -9,999 24 Months
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$500
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
450 N Charles G Seivers Blvd, Clinton, TN 37716 3730
Share Certificates -99,999 24 Months
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
$50,000
Tennessee 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Peoples Bank of Middle Tennessee
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
1122 N Main St, Shelbyville, TN 37160
36-Month CD
$500
4.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 5, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
3 Year IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
3 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Share Certificates 3 Years
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
ORNL
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
1117 N Charles G Seivers Blvd, Clinton, TN 37716 3943
36-Month Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
($500 minimum deposit required)
ORNL
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
1117 N Charles G Seivers Blvd, Clinton, TN 37716 3943
36-Month IRA Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
($500 minimum deposit required)
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
3 Year IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
3 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Share Certificates 3 Years
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
3 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
3 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Share Certificates 3 Years
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
9525 Apison Pike, Collegedale, TN 37315
36-Month Variable
$0
3.89%
▼
Rate3.82%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
520 Airpark Dr, Tullahoma, TN 37388
36 Months
$1,000
3.51%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
9525 Apison Pike, Collegedale, TN 37315
36-Month Fixed
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
9525 Apison Pike, Collegedale, TN 37315
36-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
5034 Bobby Hicks Hwy Ste 2, Gray, TN 37615
36 Month Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN 37334
Share Certificate 36 Months Fixed
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN 37334
Traditional IRAs and Roth IRA Certificates 36 Months Fixed
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Traditional IRAs and Roth IRA Certificates
Veritas Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
1 Nissan Way, Franklin, TN 37067
IRA Certificate 36 Months
$0
3.34%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
580 Franklin Rd, Franklin, TN 37069
3 Year Fixed HSA
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
580 Franklin Rd, Franklin, TN 37069
3 Year Fixed IRA
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed rate certificate, IRA, and HSA requirements.
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
775 Ridge Lake Blvd, Memphis, TN 38120
3 Year CD
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
775 Ridge Lake Blvd, Memphis, TN 38120
36 Month IRA Fixed
$100
3.29%
▼
Rate3.25%
Min Deposit$100
Min Balance—
UpdatedJun 16, 2026
Details
Early withdrawal penalty 182 days
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1623 Hatcher Ln, Columbia, TN 38401 4826
IRA Certificate 36 months
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1623 Hatcher Ln, Columbia, TN 38401 4826
Roth IRA Certificates 36 months
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1623 Hatcher Ln, Columbia, TN 38401 4826
Standard Certificates 36 months
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
580 Franklin Rd, Franklin, TN 37069
3 Year Certificate
$1,000
3.25%
▼
Rate3.20%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed rate certificate, IRA, and HSA requirements.
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.13%
2186 Northgate Park Ln, Chattanooga, TN 37415 6911
36-Month Share Certificate
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN 37334
Member's Choice Share Certificate 36 Months Fixed
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
201 Battlecreek Rd, South Pittsburg, TN 37380
36 Month Certificate of Deposit
$0
3.10%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
201 Battlecreek Rd, South Pittsburg, TN 37380
36 Month IRA
$0
3.10%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
1545 Bluff City Hwy, Bristol, TN 37620 6018
36 Month Maturity
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Parthenon Federal Credit Union
Institution Rating:
D3.1 ★Texas Ratio: 36.29%
2290 Rosa L Parks Blvd, Nashville, TN 37228 1306
3 Years
$500
3.00%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
A penalty will be applied for early withdrawal.
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
1500 McCallie Ave, Chattanooga, TN 37404 2937
3-Year CD
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
ORNL
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
1117 N Charles G Seivers Blvd, Clinton, TN 37716 3943
36 months through 47 months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Balances of $500.00-$99,999.99
Homeland Community Bank
Institution Rating:
C+4.2 ★Texas Ratio: 24.87%
900 N Chancery St, Mcminnville, TN 37110
36 Month CD
$500
2.80%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
201 S ILLINOIS AVE, OAK RIDGE, TN 37830
36 Month
$500
2.75%
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
3120 Broad St, Chattanooga, TN 37408 3095
36 Month Certificate
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
3120 Broad St, Chattanooga, TN 37408 3095
IRA Certificate 36 Month
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN 37027
36 Month Certificate
$0
2.63%
▼
Rate2.60%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1122 N Main St, Shelbyville, TN 37160
36 Month IRA Certificate
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
IRA
Gateway Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 19.67%
100 Otis Smith Dr, Clarksville, TN 37043 8939
36 Month IRA
$1
2.50%
▼
Rate2.50%
Min Deposit$1
Min Balance—
UpdatedJun 11, 2026
Details
Gateway Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 19.67%
100 Otis Smith Dr, Clarksville, TN 37043 8939
36 Month Term Deposit
$1,000
2.50%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedJun 11, 2026
Details
Interest Pays Quarterly
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1122 N Main St, Shelbyville, TN 37160
36 Month Certificate
$0
2.50%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Leaders Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
214 Oil Well Rd, Jackson, TN 38305 7914
36 Months
$0
2.50%
▼
Rate2.48%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Volunteer State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
9000 Carothers Pkwy, Franklin, TN 37067
3 Year CD/IRA
$0
2.37%
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
1616 Whitten Rd, Memphis, TN 38134
IRA Account 36 Months
$0
2.25%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
3155 Millbranch Rd, Memphis, TN 38116 1917
IRA Certificate 36 Months
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
3155 Millbranch Rd, Memphis, TN 38116 1917
Share Certificates (CDs) 36 Months
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Tennessee 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Peoples Bank of Middle Tennessee
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
1122 N Main St, Shelbyville, TN 37160
48-Month CD
$500
4.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 5, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
520 Airpark Dr, Tullahoma, TN 37388
48 Months
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
580 Franklin Rd, Franklin, TN 37069
4 Year Fixed HSA
$1,000
3.55%
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
580 Franklin Rd, Franklin, TN 37069
4 Year Fixed IRA
$1,000
3.55%
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed rate certificate, IRA, and HSA requirements.
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
580 Franklin Rd, Franklin, TN 37069
4 Year Certificate
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed rate certificate, IRA, and HSA requirements.
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
1545 Bluff City Hwy, Bristol, TN 37620 6018
48 Month Maturity
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
9525 Apison Pike, Collegedale, TN 37315
48-Month Fixed
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
9525 Apison Pike, Collegedale, TN 37315
48-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
5034 Bobby Hicks Hwy Ste 2, Gray, TN 37615
48 Month Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN 37334
Share Certificate 48 Months Fixed
$0
3.39%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN 37334
Traditional IRAs and Roth IRA Certificates 48 Months Fixed
$0
3.39%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Traditional IRAs and Roth IRA Certificates
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN 37334
Member's Choice Share Certificate 48 Months Fixed
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1623 Hatcher Ln, Columbia, TN 38401 4826
IRA Certificate 48 months
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1623 Hatcher Ln, Columbia, TN 38401 4826
Standard Certificates 48 months
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
ORNL
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
1117 N Charles G Seivers Blvd, Clinton, TN 37716 3943
48 months through 59 months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Balances of $500.00-$99,999.99
Parthenon Federal Credit Union
Institution Rating:
D3.1 ★Texas Ratio: 36.29%
2290 Rosa L Parks Blvd, Nashville, TN 37228 1306
4 Years
$500
3.00%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
A penalty will be applied for early withdrawal.
Homeland Community Bank
Institution Rating:
C+4.2 ★Texas Ratio: 24.87%
900 N Chancery St, Mcminnville, TN 37110
48 Month CD
$500
2.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
201 S ILLINOIS AVE, OAK RIDGE, TN 37830
48 Month
$500
2.75%
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
3120 Broad St, Chattanooga, TN 37408 3095
48 Month Certificate
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN 37027
48 Month Certificate
$0
2.68%
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1122 N Main St, Shelbyville, TN 37160
48 Month IRA Certificate
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
IRA
Gateway Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 19.67%
100 Otis Smith Dr, Clarksville, TN 37043 8939
48 Month Term Deposit
$1,000
2.50%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedJun 11, 2026
Details
Interest Pays Quarterly
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1122 N Main St, Shelbyville, TN 37160
48 Month Certificate
$0
2.50%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Volunteer State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
9000 Carothers Pkwy, Franklin, TN 37067
4 Year CD/IRA
$0
2.42%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
1616 Whitten Rd, Memphis, TN 38134
IRA Account 48 Months
$0
2.25%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Elizabethton FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
112 N Sycamore St, Elizabethton, TN 37643
48 Month CD
$500
2.15%
▼
Rate2.12%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
3155 Millbranch Rd, Memphis, TN 38116 1917
Share Certificates (CDs) 48 Months
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
U T
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
2100 White Ave, Knoxville, TN 37916 2216
48 Months
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
3634 E Andrew Johnson Hwy, Greeneville, TN 37745
48 Month Term Certificate
$0
1.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Select Seven Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
333 E Main St, Johnson City, TN 37601
48 Months
$1,000
0.95%
▼
Rate0.95%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
203 Broyles Dr, Johnson City, TN 37601
48 months
$1,000
0.60%
▼
Rate0.60%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Tennessee 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Peoples Bank of Middle Tennessee
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
1122 N Main St, Shelbyville, TN 37160
60-Month CD
$500
4.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 5, 2026
Details
ORNL
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
1117 N Charles G Seivers Blvd, Clinton, TN 37716 3943
60-Month Certificate
$0
4.25%
▼
Rate4.17%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
($500 minimum deposit required)
ORNL
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
1117 N Charles G Seivers Blvd, Clinton, TN 37716 3943
60-Month IRA Certificate
$0
4.25%
▼
Rate4.17%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
($500 minimum deposit required)
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
5 Year IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
5 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate $10,000 - $49,999.99: 3.93%, Annual Percentage Yield $10,000 - $49,999.99: 4.00%, Dividend Rate $50,000 - $99,999.99: 3.98%, Annual Percentage Yield $50,000 - $99,999.99: 4.05%, Dividend Rate $100,000 and over: 4.03%, Annual Percentage Yield $100,000 and over: 4.10%
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
5 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Share Certificates 5 Years
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
5 Year IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
5 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Share Certificates 5 Years
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
5 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
5 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Share Certificates 5 Years
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
520 Airpark Dr, Tullahoma, TN 37388
60 Months
$1,000
3.66%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
580 Franklin Rd, Franklin, TN 37069
5 Year Fixed HSA
$1,000
3.55%
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
580 Franklin Rd, Franklin, TN 37069
5 Year Fixed IRA
$1,000
3.55%
▼
Rate3.49%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed rate certificate, IRA, and HSA requirements.
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1623 Hatcher Ln, Columbia, TN 38401 4826
IRA Certificate 60 months
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1623 Hatcher Ln, Columbia, TN 38401 4826
Roth IRA Certificates 60 months
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
1623 Hatcher Ln, Columbia, TN 38401 4826
Standard Certificates 60 months
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
201 Battlecreek Rd, South Pittsburg, TN 37380
60 Month Certificate of Deposit
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
201 Battlecreek Rd, South Pittsburg, TN 37380
60 Month IRA
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.06%
580 Franklin Rd, Franklin, TN 37069
5 Year Certificate
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
Fixed rate certificate, IRA, and HSA requirements.
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
1545 Bluff City Hwy, Bristol, TN 37620 6018
60 Month Maturity
$1,000
3.50%
▼
Rate3.44%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
9525 Apison Pike, Collegedale, TN 37315
60-Month Fixed
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Minimum balance to earn APY: $100,000
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
9525 Apison Pike, Collegedale, TN 37315
60-Month Share Certificate
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN 37334
Share Certificate 60 Months Fixed
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN 37334
Traditional IRAs and Roth IRA Certificates 60 Months Fixed
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Traditional IRAs and Roth IRA Certificates
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
5034 Bobby Hicks Hwy Ste 2, Gray, TN 37615
60 Month Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
110 Bluff Dr, Fayetteville, TN 37334
Member's Choice Share Certificate 60 Months Fixed
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
1235 E Weisgarber Rd, Knoxville, TN 37909 2646
60-Mo Trad/Roth IRA CD (Fixed)
$2,500
3.20%
▼
Rate3.15%
Min Deposit$2,500
Min Balance—
UpdatedJun 16, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
535 Chestnut St, Chattanooga, TN 37402
60 Months
$1,000
3.00%
▼
Rate2.97%
Min Deposit$1,000
Min Balance—
UpdatedJun 16, 2026
Details
A penalty applies for early withdrawal.
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.89%
535 Chestnut St, Chattanooga, TN 37402
Term - 60 Months*
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Parthenon Federal Credit Union
Institution Rating:
D3.1 ★Texas Ratio: 36.29%
2290 Rosa L Parks Blvd, Nashville, TN 37228 1306
5 Years
$500
3.00%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
A penalty will be applied for early withdrawal.
ORNL
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
1117 N Charles G Seivers Blvd, Clinton, TN 37716 3943
60 months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Balances of $500.00-$99,999.99
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
201 S ILLINOIS AVE, OAK RIDGE, TN 37830
60 Month
$500
2.75%
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
3120 Broad St, Chattanooga, TN 37408 3095
60 Month Certificate
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
3120 Broad St, Chattanooga, TN 37408 3095
IRA Certificate 60 Month
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Homeland Community Bank
Institution Rating:
C+4.2 ★Texas Ratio: 24.87%
900 N Chancery St, Mcminnville, TN 37110
60 Month CD
$500
2.70%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
215 Centerview Dr Ste 3 111, Brentwood, TN 37027
60 Month Certificate
$0
2.68%
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedJun 11, 2026
Details
Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★Texas Ratio: 7.39%
1451 Madison Ave, Memphis, TN 38104
IRA 60-Month Certificate
$0
2.63%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1122 N Main St, Shelbyville, TN 37160
60 Month IRA Certificate
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
IRA
Leaders Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
214 Oil Well Rd, Jackson, TN 38305 7914
60 months
$0
2.50%
▼
Rate2.48%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Gateway Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 19.67%
100 Otis Smith Dr, Clarksville, TN 37043 8939
60 Month Term Deposit
$1,000
2.50%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedJun 11, 2026
Details
Interest Pays Quarterly
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1122 N Main St, Shelbyville, TN 37160
60 Month Certificate
$0
2.50%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
4424 Lebanon Pike, Hermitage, TN 37076
60 Months CD
$500
2.50%
▼
Rate2.50%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Volunteer State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
9000 Carothers Pkwy, Franklin, TN 37067
5 Year CD/IRA
$0
2.47%
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
1616 Whitten Rd, Memphis, TN 38134
IRA Account 60 Months
$0
2.25%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Elizabethton FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
112 N Sycamore St, Elizabethton, TN 37643
60 Month CD
$500
2.15%
▼
Rate2.12%
Min Deposit$500
Min Balance—
UpdatedJun 16, 2026
Details
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
3155 Millbranch Rd, Memphis, TN 38116 1917
IRA Certificate 60 Months
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.33%
3155 Millbranch Rd, Memphis, TN 38116 1917
Share Certificates (CDs) 60 Months
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedJun 16, 2026
Details
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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.
Tennessee CD Rate Trends
Compare local Tennessee CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — TN Avg
2.127%
▲ 0.208 vs 7 days ago
Tennessee 12-month CD rates rose 0.208 points over the past 7 days to 2.127% APY.
6-Month CD — TN Avg
1.643%
▲ 0.207 vs 7 days ago
Tennessee 6-month CD rates rose 0.207 points over the past 7 days to 1.643% APY.
As of Jun 20, 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 June 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
TN 12-Month Avg APY
2.127%
6-Month Forecast
2.127%
Range: 1.93% – 2.28%
12-Month Forecast
1.877%
Range: 1.68% – 2.03%
Powered by
MonitorBankRates
What Your Savings Earn at TN CD Rates Today
Annual interest earnings at today’s Tennessee average APYs. State average used where available; national average as fallback.
| CD Term | TN Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.836% | $91.81 | $183.61 | $459.03 | $918.05 |
| 6-Month CD | 1.643% | $82.13 | $164.25 | $410.63 | $821.25 |
| 12-Month CD | 2.127% | $106.33 | $212.66 | $531.65 | $1,063.30 |
| 18-Month CD | 2.911% | $145.54 | $291.07 | $727.68 | $1,455.35 |
| 24-Month CD | 2.822% | $141.08 | $282.16 | $705.40 | $1,410.80 |
| 36-Month CD | 3.038% | $151.91 | $303.82 | $759.55 | $1,519.10 |
| 48-Month CD | 2.845% | $142.27 | $284.54 | $711.35 | $1,422.70 |
| 60-Month CD | 3.075% | $153.76 | $307.51 | $768.78 | $1,537.55 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 16, 2026. | |||||
Sample CD Ladder for Tennessee Savers
$25,000 split equally across 5 terms using today’s Tennessee average rates. As each CD matures, reinvest at the 36-month rung.
| Rung | Term | Deposit | TN Avg APY | Annual Earnings |
|---|---|---|---|---|
| 1 | 3-Month CD | $5,000 | 1.836% | $91.81 |
| 2 | 6-Month CD | $5,000 | 1.643% | $82.13 |
| 3 | 12-Month CD | $5,000 | 2.127% | $106.33 |
| 4 | 24-Month CD | $5,000 | 2.822% | $141.08 |
| 5 | 36-Month CD | $5,000 | 3.038% | $151.91 |
| Total ($25,000 invested) | $25,000 | 2.293% blended | $573.26/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.
402
CD Rates
Tracked in Tennessee
Tracked in Tennessee
21 Banks
29 Credit Unions
About Our Tennessee CD Rate Database
MonitorBankRates tracks 402 CD rates from 21 banks and 29 credit unions with locations in 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: Peoples Bank of Middle Tennessee offers a CD at 4.80% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Tennessee.
How to Find the Best CD Rates in Tennessee
What to compare when shopping for a CD in Tennessee
To find the best APYs in Tennessee, start with credit unions and online-only banks — Tennessee has 29 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 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 Tennessee — 50 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Tennessee savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Tennessee money market rates
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
$42,418
National avg: $47,340
Poverty Rate
13.8%
National avg: 11.1%
Unemployment Rate
4.7%
National avg: 4.8%
CD Earnings on 10% of Salary
$90/yr
At TN 12-mo avg 2.127% APY
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 2.127%, saving 10% of the local median salary ($4,241/year) and putting it in a CD would earn an additional $90 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 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 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 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 Tennessee as everywhere in the U.S.
Choosing a CD Term in 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 Tennessee savers easier access to their funds. For example, Sonata Bank is offering its 6-Month CD Special at 4.05% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Peoples Bank of Middle Tennessee is offering its 60-Month CD at 4.50% 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 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 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 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 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 Tennessee
Most CDs carry a fixed rate that is locked for the entire term, protecting a 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 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:
- Peoples Bank of Middle Tennessee: 4.80% APY (18-Month CD)
- Community Trust Bank: 4.25% APY (12-Month CD Special)
- ORNL: 4.25% APY (60-Month Certificate)
- Sonata Bank: 4.05% APY (6-Month CD Special)
- Tennessee Valley Federal Credit Union: 4.00% APY (Term - 18 Months*)
- Firefighters First Federal Credit Union: 4.00% APY (18 Month IRA)
- Enrichment Federal Credit Union: 4.00% APY (6 Month*)
- SouthEast Bank: 4.00% APY (6-Month CD Special)
- EPB Employees Credit Union: 3.95% APY (2 1/2-Year CD)
- UNIFY Financial Federal Credit Union: 3.91% APY (18-Month Variable)
Rates reflect recent verified offers available in Tennessee. Last Updated: June 16, 2026
CD Calculators for Tennessee
Tennessee CD Calculator
At today’s TN top rate of 4.80% APY, a $10,000 deposit earns $480 in the first year. Enter your amount to see your exact return.
Tennessee CD LadderTN CD rates currently range from 1.836% (3-month) to 3.038% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Tennessee CD at 4.80% 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 2.127% APY. Compare locking in that rate against a flexible high-yield savings account to see which earns more for your deposit and timeline.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our 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 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 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: June 16, 2026
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