Dickson, Tennessee CD Rates Today - Compare Best APYs for July 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Dickson, Tennessee CD rates include Ascend Federal Credit UnionAscend Federal Credit Union412 Thornton Dr, Dickson, TN 37055A+5.0 ★Texas Ratio: 2.38%Real return: +0.86%APY minus CPI (February 2026) offering 3 Months at 3.66% APY, Cornerstone Financial Credit UnionCornerstone Financial Credit Union650 Highway 46 S, Dickson, TN 37055 2552A5.0 ★Texas Ratio: 6.15%Real return: +0.85%APY minus CPI (February 2026) offering 12-Month Certificate at 3.65% APY, Leaders Credit UnionLeaders Credit UnionA+5.0 ★Texas Ratio: 4.57%Real return: +1.45%APY minus CPI (February 2026) offering 12-Month Certificate Special at 4.25% APY, ORNLORNLA+5.0 ★Texas Ratio: 3.85%Real return: +1.45%APY minus CPI (February 2026) offering 60-Month PROMOTIONAL at 4.25% APY, and BCBST Employees Credit UnionBCBST Employees Credit UnionA+5.0 ★Texas Ratio: 0.00%Real return: +1.36%APY minus CPI (February 2026) offering 180 Days at 4.16% APY. CD rates as of July 16, 2026 according to verified data from MonitorBankRates.
Dickson has 15 local institutions in our database, with CD rates as high as 3.66% APY from Ascend Federal Credit Union at 412 Thornton Dr, Dickson, TN 37055. Use the tables below to compare all available CD terms and offers, including options from institutions serving the broader Tennessee area. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: July 16, 2026
Compare Best CD Rates in Dickson, Tennessee & the Surrounding Area
Dickson 3 Month CD Rates
$500 to $24,999; $25,000 to $49,999; $50,000 or more
Balances of $500.00-$99,999.99
IRA APY*
Quarterly dividends
There is a substantial penalty for failure to comply with certificate requirements. Certificate rates are subject to change without notice. You will be paid this rate until first maturity. These are fixed rate certificate, IRA, and HSA requirements.
$500 Minimum. Loss of dividend penalty for early withdrawal.
Early withdrawal penalties may apply. Additional terms are available at a branch.
Relationship APY 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Other rates and terms are available. There is a penalty for early withdrawal.
Other rates and terms are available.
Dickson 6 Month CD Rates
$500 to $24,999; $25,000 to $49,999; $50,000 or more
Special CD. APY*
Interest Compounded & Credited: Quarterly
A penalty applies for early withdrawal.
Any certificate account with new money of $10,000.00 may add 0.10% APY to the dividend rate featured above. With an active direct deposit, add 0.25% to current dividend rate. Ask for details.
Dividend Rate $1,000 - $49,999.99: 3.59%, Annual Percentage Yield $1,000 - $49,999.99: 3.65%, Dividend Rate $50,000 - $99,999.99: 3.64%, Annual Percentage Yield $50,000 - $99,999.99: 3.70%, Dividend Rate $100,000 and over: 3.69%, Annual Percentage Yield $100,000 and over: 3.75%
Dividend Rate $1,000 - $49,999.99: 3.59%; Annual Percentage Yield $1,000 - $49,999.99: 3.65%; Dividend Rate $50,000 - $99,999.99: 3.64%; Annual Percentage Yield $50,000 - $99,999.99: 3.70%; Dividend Rate $100,000 and over: 3.69%; Annual Percentage Yield $100,000 and over: 3.75%
Balances of $500.00-$99,999.99
Dividend Rate $1,000 - $49,999.99: 3.59%, Annual Percentage Yield $1,000 - $49,999.99: 3.65%, Dividend Rate $50,000 - $99,999.99: 3.64%, Annual Percentage Yield $50,000 - $99,999.99: 3.70%, Dividend Rate $100,000 and over: 3.69%, Annual Percentage Yield $100,000 and over: 3.75%
Dividend Rate $1,000 - $49,999.99: 3.59%; Annual Percentage Yield $1,000 - $49,999.99: 3.65%; Dividend Rate $50,000 - $99,999.99: 3.64%; Annual Percentage Yield $50,000 - $99,999.99: 3.70%; Dividend Rate $100,000 and over: 3.69%; Annual Percentage Yield $100,000 and over: 3.75%
Dividend Rate $1,000 - $49,999.99: 3.59%; Annual Percentage Yield $1,000 - $49,999.99: 3.65%; Dividend Rate $50,000 - $99,999.99: 3.64%; Annual Percentage Yield $50,000 - $99,999.99: 3.70%; Dividend Rate $100,000 and over: 3.69%; Annual Percentage Yield $100,000 and over: 3.75%
Dividend Rate $1,000 - $49,999.99: 3.59%, Annual Percentage Yield $1,000 - $49,999.99: 3.65%, Dividend Rate $50,000 - $99,999.99: 3.64%, Annual Percentage Yield $50,000 - $99,999.99: 3.70%, Dividend Rate $100,000 and over: 3.69%, Annual Percentage Yield $100,000 and over: 3.75%
Compounding
$500 Minimum. Early withdrawal penalty = 90 days dividend, earned or not.
Dividend Compound: At Maturity. Early Withdrawal Penalty - For all accounts, the amount of the early withdrawal penalty for your account is 90 days dividends.
Rates subject to change without notice.
Non-Compounding
Limited-Time Offer; New money deposits only. The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. A withdrawal and/or fees may reduce earnings. Interest penalty will be imposed for early withdrawal. The rate and APY is effective as of 10/29/25 and is subject to change on the Bank's discretion.
$500 Minimum. One withdrawal with no penalty - all subsequent withdrawals incur a 90 day dividend penalty.
Quarterly dividends
Compounding
Non-Compounding
Monthly dividends
Value Plus Certificate
IRA APY*
Compounding
Compounding
Dickson 12 Month CD Rates
$500 to $24,999; $25,000 to $49,999; $50,000 or more
A penalty applies for early withdrawal.
$500 minimum deposit required
$500 minimum deposit required
Interest Compounded & Credited: Quarterly
Dividend Rate $1,000 - $49,999.99: 3.74%; Annual Percentage Yield $1,000 - $49,999.99: 3.80%; Dividend Rate $50,000 - $99,999.99: 3.74%; Annual Percentage Yield $50,000 - $99,999.99: 3.80%; Dividend Rate $100,000 and over: 3.74%; Annual Percentage Yield $100,000 and over: 3.80%
Dividend Rate $1,000 - $49,999.99: 3.74%, Annual Percentage Yield $1,000 - $49,999.99: 3.80%, Dividend Rate $50,000 - $99,999.99: 3.74%, Annual Percentage Yield $50,000 - $99,999.99: 3.80%, Dividend Rate $100,000 and over: 3.74%, Annual Percentage Yield $100,000 and over: 3.80%
Any certificate account with new money of $10,000.00 may add 0.10% APY to the dividend rate featured above. With an active direct deposit, add 0.25% to current dividend rate. Ask for details.
Balances of $500.00-$99,999.99
Compounding
Jumbo IRA: 3.65% APY*
Jumbo IRA: 3.65% APY*
Non-Compounding
Rates subject to change without notice.
Quarterly dividends
$1,200 Minimum. Early withdrawal penalty = 90 days dividend earned or not.
Dividend Compound: At Maturity. Early Withdrawal Penalty - For all accounts, the amount of the early withdrawal penalty for your account is 90 days dividends.
Dividend Compound: At Maturity. Early Withdrawal Penalty - For all accounts, the amount of the early withdrawal penalty for your account is 90 days dividends.
Compounding
Non-Compounding
Dickson 18 Month CD Rates
$500 to $24,999; $25,000 to $49,999; $50,000 or more
A penalty applies for early withdrawal.
Dividend Rate $1,000 - $49,999.99: 3.83%, Annual Percentage Yield $1,000 - $49,999.99: 3.90%, Dividend Rate $50,000 - $99,999.99: 3.88%, Annual Percentage Yield $50,000 - $99,999.99: 3.95%, Dividend Rate $100,000 and over: 3.93%, Annual Percentage Yield $100,000 and over: 4.00%
Dividend Rate $1,000 - $49,999.99: 3.83%, Annual Percentage Yield $1,000 - $49,999.99: 3.90%, Dividend Rate $50,000 - $99,999.99: 3.88%, Annual Percentage Yield $50,000 - $99,999.99: 3.95%, Dividend Rate $100,000 and over: 3.93%, Annual Percentage Yield $100,000 and over: 4.00%
Dividend Rate $1,000 - $49,999.99: 3.83%, Annual Percentage Yield $1,000 - $49,999.99: 3.90%, Dividend Rate $50,000 - $99,999.99: 3.88%, Annual Percentage Yield $50,000 - $99,999.99: 3.95%, Dividend Rate $100,000 and over: 3.93%, Annual Percentage Yield $100,000 and over: 4.00%
Any certificate account with new money of $10,000.00 may add 0.10% APY to the dividend rate featured above. With an active direct deposit, add 0.25% to current dividend rate. Ask for details.
Jumbo IRA: 3.60% APY*
Jumbo IRA: 3.60% APY*
Compounding
Non-Compounding
Quarterly dividends
Other rates and terms are available.
Other rates and terms are available.
Rates subject to change without notice.
Rates subject to change without notice.
Other rates and terms are available.
Compounding
Monthly dividends
Non-Compounding
Dividend Compound: At Maturity. Early Withdrawal Penalty - For all accounts, the amount of the early withdrawal penalty for your account is 90 days dividends.
A penalty equal to the accrued interest on the amount withdrawn will be imposed if any funds are withdrawn before the maturity date.
Dickson 24 Month CD Rates
$500 to $24,999; $25,000 to $49,999; $50,000 or more
STAR-SPANGLED SAVINGS ? Celebrate America's 250th Anniversary ? Limited time offer. This offer is subject to change without notice. Consumer and commercial deposits only, no brokered funds. Interest compounded daily. Subject to terms and conditions. Volunteer Federal reserves the right to refuse any deposit. Early withdrawal penalties may apply.
Dividend Rate $1,000 - $49,999.99: 3.83%; Annual Percentage Yield $1,000 - $49,999.99: 3.90%; Dividend Rate $50,000 - $99,999.99: 3.88%; Annual Percentage Yield $50,000 - $99,999.99: 3.95%; Dividend Rate $100,000 and over: 3.93%; Annual Percentage Yield $100,000 and over: 4.00%
Dividend Rate $1,000 - $49,999.99: 3.83%; Annual Percentage Yield $1,000 - $49,999.99: 3.90%; Dividend Rate $50,000 - $99,999.99: 3.88%; Annual Percentage Yield $50,000 - $99,999.99: 3.95%; Dividend Rate $100,000 and over: 3.93%; Annual Percentage Yield $100,000 and over: 4.00%
Dividend Rate $1,000 - $49,999.99: 3.83%; Annual Percentage Yield $1,000 - $49,999.99: 3.90%; Dividend Rate $50,000 - $99,999.99: 3.88%; Annual Percentage Yield $50,000 - $99,999.99: 3.95%; Dividend Rate $100,000 and over: 3.93%; Annual Percentage Yield $100,000 and over: 4.00%
A penalty applies for early withdrawal.
Any certificate account with new money of $10,000.00 may add 0.10% APY to the dividend rate featured above. With an active direct deposit, add 0.25% to current dividend rate. Ask for details.
Jumbo APY: 3.80%, Jumbo Dividend Rate: 3.74%, Early Withdrawal Penalty: 180 Days' Dividends
Compounding
Jumbo IRA: 3.66% APY*
Jumbo IRA: 3.66% APY*
Non-Compounding
Quarterly dividends
Quarterly dividends
These are fixed rate certificate, IRA, and HSA requirements.
These are fixed rate certificate, IRA, and HSA requirements.
Early withdrawal penalty 120 days
Compounding
There is a substantial penalty for failure to comply with certificate requirements. Certificate rates are subject to change without notice. You will be paid this rate until first maturity. These are fixed rate certificate, IRA, and HSA requirements.
Non-Compounding
Monthly dividends
Balances of $500.00-$99,999.99
Dividend Compound: At Maturity. Early Withdrawal Penalty - For all accounts, the amount of the early withdrawal penalty for your account is 90 days dividends.
Dickson 36 Month CD Rates
$500 to $24,999; $25,000 to $49,999; $50,000 or more
$500 minimum deposit required
$500 minimum deposit required
Dividend Rate $1,000 - $49,999.99: 3.83%; Annual Percentage Yield $1,000 - $49,999.99: 3.90%; Dividend Rate $50,000 - $99,999.99: 3.88%; Annual Percentage Yield $50,000 - $99,999.99: 3.95%; Dividend Rate $100,000 and over: 3.93%; Annual Percentage Yield $100,000 and over: 4.00%
Dividend Rate $1,000 - $49,999.99: 3.83%, Annual Percentage Yield $1,000 - $49,999.99: 3.90%, Dividend Rate $50,000 - $99,999.99: 3.88%, Annual Percentage Yield $50,000 - $99,999.99: 3.95%, Dividend Rate $100,000 and over: 3.93%, Annual Percentage Yield $100,000 and over: 4.00%
Dividend Rate $1,000 - $49,999.99: 3.83%, Annual Percentage Yield $1,000 - $49,999.99: 3.90%, Dividend Rate $50,000 - $99,999.99: 3.88%, Annual Percentage Yield $50,000 - $99,999.99: 3.95%, Dividend Rate $100,000 and over: 3.93%, Annual Percentage Yield $100,000 and over: 4.00%
Dividend Rate $1,000 - $49,999.99: 3.83%; Annual Percentage Yield $1,000 - $49,999.99: 3.90%; Dividend Rate $50,000 - $99,999.99: 3.88%; Annual Percentage Yield $50,000 - $99,999.99: 3.95%; Dividend Rate $100,000 and over: 3.93%; Annual Percentage Yield $100,000 and over: 4.00%
Dividend Rate $1,000 - $49,999.99: 3.83%, Annual Percentage Yield $1,000 - $49,999.99: 3.90%, Dividend Rate $50,000 - $99,999.99: 3.88%, Annual Percentage Yield $50,000 - $99,999.99: 3.95%, Dividend Rate $100,000 and over: 3.93%, Annual Percentage Yield $100,000 and over: 4.00%
Dividend Rate $1,000 - $49,999.99: 3.83%; Annual Percentage Yield $1,000 - $49,999.99: 3.90%; Dividend Rate $50,000 - $99,999.99: 3.88%; Annual Percentage Yield $50,000 - $99,999.99: 3.95%; Dividend Rate $100,000 and over: 3.93%; Annual Percentage Yield $100,000 and over: 4.00%
Jumbo APY: 3.80%, Jumbo Dividend Rate: 3.74%, Early Withdrawal Penalty: 180 Days' Dividends
Compounding
Non-Compounding
Any certificate account with new money of $10,000.00 may add 0.10% APY to the dividend rate featured above. With an active direct deposit, add 0.25% to current dividend rate. Ask for details.
Jumbo IRA: 3.56% APY*
Jumbo IRA: 3.56% APY*
Compounding
Non-Compounding
These are fixed rate certificate, IRA, and HSA requirements.
These are fixed rate certificate, IRA, and HSA requirements.
Compounding
Early withdrawal penalty 182 days
There is a substantial penalty for failure to comply with certificate requirements. Certificate rates are subject to change without notice. You will be paid this rate until first maturity. These are fixed rate certificate, IRA, and HSA requirements.
Non-Compounding
Balances of $500.00-$99,999.99
Dickson 48 Month CD Rates
$500 to $24,999; $25,000 to $49,999; $50,000 or more
Compounding
Jumbo APY: 3.80%, Jumbo Dividend Rate: 3.74%, Early Withdrawal Penalty: 240 Days' Dividends
Non-Compounding
These are fixed rate certificate, IRA, and HSA requirements.
These are fixed rate certificate, IRA, and HSA requirements.
Any certificate account with new money of $10,000.00 may add 0.10% APY to the dividend rate featured above. With an active direct deposit, add 0.25% to current dividend rate. Ask for details.
There is a substantial penalty for failure to comply with certificate requirements. Certificate rates are subject to change without notice. You will be paid this rate until first maturity. These are fixed rate certificate, IRA, and HSA requirements.
Jumbo IRA: 3.56% APY*
Jumbo IRA: 3.56% APY*
Compounding
Non-Compounding
Compounding
Non-Compounding
Balances of $500.00-$99,999.99
IRA APY*
Interest Pays Quarterly
Dickson 60 Month CD Rates
$500 minimum deposit required
$500 minimum deposit required
Dividend Rate $1,000 - $49,999.99: 3.83%; Annual Percentage Yield $1,000 - $49,999.99: 3.90%; Dividend Rate $50,000 - $99,999.99: 3.88%; Annual Percentage Yield $50,000 - $99,999.99: 3.95%; Dividend Rate $100,000 and over: 3.93%; Annual Percentage Yield $100,000 and over: 4.00%
Dividend Rate $1,000 - $49,999.99: 3.83%, Annual Percentage Yield $1,000 - $49,999.99: 3.90%, Dividend Rate $50,000 - $99,999.99: 3.88%, Annual Percentage Yield $50,000 - $99,999.99: 3.95%, Dividend Rate $100,000 and over: 3.93%, Annual Percentage Yield $100,000 and over: 4.00%
Dividend Rate $1,000 - $49,999.99: 3.83%, Annual Percentage Yield $1,000 - $49,999.99: 3.90%, Dividend Rate $50,000 - $99,999.99: 3.88%, Annual Percentage Yield $50,000 - $99,999.99: 3.95%, Dividend Rate $100,000 and over: 3.93%, Annual Percentage Yield $100,000 and over: 4.00%
Dividend Rate $1,000 - $49,999.99: 3.83%; Annual Percentage Yield $1,000 - $49,999.99: 3.90%; Dividend Rate $50,000 - $99,999.99: 3.88%; Annual Percentage Yield $50,000 - $99,999.99: 3.95%; Dividend Rate $100,000 and over: 3.93%; Annual Percentage Yield $100,000 and over: 4.00%
Dividend Rate $1,000 - $49,999.99: 3.83%, Annual Percentage Yield $1,000 - $49,999.99: 3.90%, Dividend Rate $50,000 - $99,999.99: 3.88%, Annual Percentage Yield $50,000 - $99,999.99: 3.95%, Dividend Rate $100,000 and over: 3.93%, Annual Percentage Yield $100,000 and over: 4.00%
Dividend Rate $1,000 - $49,999.99: 3.83%; Annual Percentage Yield $1,000 - $49,999.99: 3.90%; Dividend Rate $50,000 - $99,999.99: 3.88%; Annual Percentage Yield $50,000 - $99,999.99: 3.95%; Dividend Rate $100,000 and over: 3.93%; Annual Percentage Yield $100,000 and over: 4.00%
Compounding
Jumbo APY: 3.80%, Jumbo Dividend Rate: 3.74%, Early Withdrawal Penalty: 240 Days' Dividends
Jumbo APY: 3.80%, Jumbo Dividend Rate: 3.74%, Early Withdrawal Penalty: 240 Days' Dividends
Non-Compounding
These are fixed rate certificate, IRA, and HSA requirements.
These are fixed rate certificate, IRA, and HSA requirements.
Jumbo IRA: 3.61% APY*
Jumbo IRA: 3.61% APY*
There is a substantial penalty for failure to comply with certificate requirements. Certificate rates are subject to change without notice. You will be paid this rate until first maturity. These are fixed rate certificate, IRA, and HSA requirements.
Any certificate account with new money of $10,000.00 may add 0.10% APY to the dividend rate featured above. With an active direct deposit, add 0.25% to current dividend rate. Ask for details.
Compounding
Non-Compounding
Compounding
Non-Compounding
A penalty applies for early withdrawal.
Balances of $500.00-$99,999.99
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Dickson, TN CD Rate Trends
Compare local Dickson, TN CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Tennessee 12-month CD rates fell 0.136 points over the past 7 days to 2.423% APY.
Tennessee 6-month CD rates rose 0.144 points over the past 7 days to 2.122% APY.
TN CD Rate Forecast — Next 12 Months
Where are Tennessee CD rates headed through July 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
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 | 1.917% | $95.84 | $191.67 | $479.18 | $958.35 |
| 6-Month CD | 2.122% | $106.08 | $212.16 | $530.40 | $1,060.80 |
| 12-Month CD | 2.423% | $121.14 | $242.27 | $605.68 | $1,211.35 |
| 18-Month CD | 2.982% | $149.08 | $298.15 | $745.38 | $1,490.75 |
| 24-Month CD | 2.973% | $148.66 | $297.31 | $743.28 | $1,486.55 |
| 36-Month CD | 3.077% | $153.85 | $307.70 | $769.25 | $1,538.50 |
| 48-Month CD | 2.952% | $147.59 | $295.17 | $737.93 | $1,475.85 |
| 60-Month CD | 3.233% | $161.64 | $323.27 | $808.18 | $1,616.35 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of July 16, 2026. | |||||
Sample CD Ladder for Dickson, 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 | 1.917% | $95.84 |
| 2 | 6-Month CD | $5,000 | 2.122% | $106.08 |
| 3 | 12-Month CD | $5,000 | 2.423% | $121.14 |
| 4 | 24-Month CD | $5,000 | 2.973% | $148.66 |
| 5 | 36-Month CD | $5,000 | 3.077% | $153.85 |
| Total ($25,000 invested) | $25,000 | 2.502% blended | $625.57/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.
Tracked in Dickson, Tennessee
About Our Dickson, Tennessee CD Rate Database
MonitorBankRates tracks 489 CD rates from 19 banks and 40 credit unions with locations in Dickson, 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: Ascend Federal Credit Union offers a CD at 3.66% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Dickson, Tennessee.
How to Find the Best CD Rates in Dickson, Tennessee
What to compare when shopping for a CD in Dickson, Tennessee
To find the best APYs in Dickson, Tennessee, start with credit unions and online-only banks — Dickson, Tennessee has 40 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 Dickson, 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 Dickson, Tennessee — 59 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Dickson, Tennessee savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Dickson, Tennessee money market rates
Dickson, Tennessee Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024
14.3% of residents are 65 or older — below the national average of 17.3%. At today’s TN 12-month CD average of 2.423%, saving 10% of the local median salary ($4,112/year) and putting it in a CD would earn an additional $100 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 Dickson, 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 Dickson, 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 Dickson, 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 Dickson, Tennessee as everywhere in the U.S.
Choosing a CD Term in Dickson, 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 Dickson, Tennessee savers easier access to their funds. For example, Cornerstone Financial Credit Union is offering its 6-Month Certificate at 3.50% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Ascend Federal Credit Union is offering its 60 Months at 3.66% 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 Dickson, 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 Dickson, 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 Dickson, 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 Dickson, 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 Dickson, Tennessee
Most CDs carry a fixed rate that is locked for the entire term, protecting a Dickson, 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 Dickson, Tennessee
Are CD rates in Dickson, Tennessee FDIC insured?
Do I have to pay state taxes on CD interest in Dickson, Tennessee?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Dickson, Tennessee?
- Ascend Federal Credit Union: 3.66% APY (60 Months)
- Cornerstone Financial Credit Union: 3.65% APY (12-Month Certificate)
- Leaders Credit Union: 4.25% APY (12-Month Certificate Special)
- ORNL: 4.25% APY (60-Month PROMOTIONAL)
- BCBST Employees Credit Union: 4.16% APY (180 Days)
- UNIFY Financial Federal Credit Union: 4.12% APY (36-Month Variable IRA Certificate)
- Firefighters First Federal Credit Union: 4.10% APY (5 Year Retirement Share Certificate)
- Collegedale Credit Union: 4.07% APY (6 Months)
- Chattanooga Federal Employees Credit Union: 4.06% APY (12 Month Certificate)
- Sonata Bank: 4.05% APY (6-Month CD)
CD Calculators for Dickson, Tennessee
At today’s TN top rate of 3.66% APY, a $10,000 deposit earns $366 in the first year. Enter your amount to see your exact return.
Dickson, Tennessee CD LadderTN CD rates currently range from 1.917% (3-month) to 3.077% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Dickson, Tennessee CD at 3.66% 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 2.423% 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 Dickson, 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 Dickson, 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 Dickson, 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.
