CD Rates Johnson City, Tennessee (TN) for April 2026
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Brian McKay
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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 Johnson City, Tennessee CD rates include Northeast Community Credit UnionNortheast Community Credit Union313 W Oakland Ave, Johnson City, TN 37604A+5.0 ★Texas Ratio: 1.63% offering 60 Month Certificate Account at 3.80% APY, Appalachian Community Federal Credit UnionAppalachian Community Federal Credit Union3101 Peoples St, Johnson City, TN 37604A+5.0 ★Texas Ratio: 1.21% offering 6 Month Certificate at 3.50% APY, Elizabethton FSBElizabethton FSB304 Sunset Dr, Johnson City, TN 37604A+5.0 ★Texas Ratio: 0.47% offering 12 Month CD at 3.36% APY, Consumer Credit UnionConsumer Credit Union1919 N Roan St, Johnson City, TN 37601A+5.0 ★Texas Ratio: 0.68% offering 18 Month Term Certificate Accounts / IRA Certificates at 2.85% APY, and First Citizens BankFirst Citizens Bank916 N State Of Franklin Rd, Johnson City, TN 37604A+5.0 ★Texas Ratio: 5.24% offering 6-month automatic saver CD at 0.01% APY. CD rates as of April 5, 2026 according to verified data from MonitorBankRates.
To help you find the best CD rates in Johnson City, Tennessee, and the surrounding area,, use our comprehensive rate tables for side-by-side comparisons across all 8 CD terms from local and national banks and credit unions, to ensure you find the best CD rates available.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: April 5, 2026
Compare Best CD Rates in Johnson City, Tennessee & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
3101 Peoples St, Johnson City, TN 37604
3 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
131 Maple Row Blvd Ste 401, Hendersonville, TN 37075
Certificates of Deposit 3 Month
$0
3.91%
▼
Rate3.85%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
9525 Apison Pike, Collegedale, TN 37315
3-Month Share Certificate
$100,000
3.60%
▼
Rate3.54%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
$100,000 Minimum to Earn APY
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
1122 N Main St, Shelbyville, TN 37160
3 Month Certificates of Deposit (Regular & IRAs)
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
2711 Old Lebanon Pike, Nashville, TN 37214
3 Month Share Certificate
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN 37210
3 Month Certificate (quarterly dividends) Jumbo Certificate
$50,000
3.00%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 5, 2026
Details
Volunteer State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
9000 Carothers Pkwy, Franklin, TN 37067
3 Month CD/IRA
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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
$1,000
1.76%
▼
Rate1.75%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
100 Mcmurry Blvd E, Hartsville, TN 37074
90 Day CD
$5,000
0.95%
▼
Rate0.95%
Min Deposit$5,000
Min Balance—
UpdatedApr 5, 2026
Details
Community Bank Lexington, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
19 Natchez Trace Dr S, Lexington, TN 38351
3 Month Certificates of Deposit
$500
0.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Patriot Equity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.60%
1450 Union University Dr, Jackson, TN 38305
3 Month Share Certificates
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
420 Central Ave NW, Cleveland, TN 37311
Term Share Certificates 90 Day
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
$500 Minimum. Loss of dividend penalty for early withdrawal.
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
1500 McCallie Ave, Chattanooga, TN 37404 2937
3-Month CD
$0
0.10%
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
3101 Peoples St, Johnson City, TN 37604
6 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
313 W Oakland Ave, Johnson City, TN 37604
6 Month Certificate Account with Rewards
$500
2.95%
▼
Rate2.95%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Elizabethton FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
304 Sunset Dr, Johnson City, TN 37604
6 Month CD
$2,500
2.94%
▼
Rate2.90%
Min Deposit$2,500
Min Balance—
UpdatedApr 5, 2026
Details
Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1919 N Roan St, Johnson City, TN 37601
6 Month Term Certificate Accounts / IRA Certificates
$0
1.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
916 N State Of Franklin Rd, Johnson City, TN 37604
6-month automatic saver CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
113 Seaboard Ln, Franklin, TN 37067
IRA - Individual Retirement Accounts 6-Month
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
1500 McCallie Ave, Chattanooga, TN 37404 2937
6-Month CD
$0
3.95%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN 37415 6911
6-Month Share Certificate
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 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—
UpdatedApr 5, 2026
Details
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
3183 Poplar Ave, Memphis, TN 38111
6 Month Certificate
$50,000
3.75%
▼
Rate3.72%
Min Deposit$50,000
Min Balance—
UpdatedApr 5, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Traditional/Roth IRA Certificates 6 Month IRA
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
United Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
314 N Public Sq, Centerville, TN 37033
6-month CD
$2,500
3.65%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 5, 2026
Details
Bowater Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN 37309
6-month Term Share Account (TSA)
$0
3.63%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
420 Central Ave NW, Cleveland, TN 37311
Term Share Certificates 6 Month
$0
3.60%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
$500 Minimum. Early withdrawal penalty = 90 days dividend, earned or not.
Johnsonville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
209 HIGHWAY 641 N, CAMDEN, TN 38320
6 Month Certificate
$1,000
3.58%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
131 Maple Row Blvd Ste 401, Hendersonville, TN 37075
Certificates of Deposit 6 Month
$0
3.53%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
9525 Apison Pike, Collegedale, TN 37315
6-Month Share Certificate
$100,000
3.45%
▼
Rate3.40%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
$100,000 Minimum to Earn APY
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN 37210
6 Month Certificate (quarterly dividends) Jumbo Certificate
$50,000
3.43%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 5, 2026
Details
RockPointBank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
401 Chestnut St, Chattanooga, TN 37402
6-month CD
$25,000
3.35%
▼
Rate3.30%
Min Deposit$25,000
Min Balance—
UpdatedApr 5, 2026
Details
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
2711 Old Lebanon Pike, Nashville, TN 37214
6 Month Share Certificate
$0
3.34%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 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 Certificates of Deposit (Regular & IRAs)
$0
3.17%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3155 Millbranch Rd, Memphis, TN 38116 1917
6 Month Share Certificates (CDs)
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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—
UpdatedApr 5, 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%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Minimum Opening Deposit $500.00
Knoxville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
5207 Schubert Rd, Knoxville, TN 37912
6 Month Share Certificate
$0
2.75%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
($100,000+)
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN 37027
6 Month Certificate
$0
2.73%
▼
Rate2.70%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3120 Broad St, Chattanooga, TN 37408 3095
6 Month Certificate
$2,500
2.50%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 5, 2026
Details
Gateway Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 22.88%
100 Otis Smith Dr, Clarksville, TN 37043 8939
6 Month Term Deposit
$1,000
2.00%
▼
Rate2.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
3601 Paul R Lowry Rd, Memphis, TN 38109 3007
Certificates minimum) 6 Month
$0
1.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
$1,000
First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
100 Mcmurry Blvd E, Hartsville, TN 37074
6 Month CD
$1,000
1.00%
▼
Rate1.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Patriot Equity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.60%
1450 Union University Dr, Jackson, TN 38305
6 Month Share Certificates
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
220 S Royal Oaks Blvd, Franklin, TN 37064 5313
DreamBuilder 6 Month Certificate
$100
0.50%
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedApr 5, 2026
Details
First Choice Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
100 N 17th St, Knoxville, TN 37921 6750
6 Month IRA-Certificate
$1,000
0.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Greeneville Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
101 W Summer St, Greeneville, TN 37743
IRA Certificates 6 Month
$0
0.15%
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Kennedy VA Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
1030 Jefferson Ave, Memphis, TN 38104
6 Month Term Account
$5,000
0.07%
▼
Rate0.07%
Min Deposit$5,000
Min Balance—
UpdatedApr 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
3101 Peoples St, Johnson City, TN 37604
12 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Elizabethton FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
304 Sunset Dr, Johnson City, TN 37604
12 Month CD
$500
3.36%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
313 W Oakland Ave, Johnson City, TN 37604
12 Month Certificate Account with Rewards
$500
3.25%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1919 N Roan St, Johnson City, TN 37601
12 Month Term Certificate Accounts / IRA Certificates
$0
2.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
First Citizens Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.24%
916 N State Of Franklin Rd, Johnson City, TN 37604
1-year convertible CD
$500
0.01%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Qualifying balance up to $49,000.00
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN 37210
12 Month Special Regular Certificate
$5,000
3.91%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 5, 2026
Details
minimum $5,000 New Money/maximum $250,000
Sonata Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
5005 Maryland Way, Brentwood, TN 37027
12-Month CD
$0
3.90%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Financial Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
1715 Aaron Brenner Dr, Memphis, TN 38120
12 Month CD
$1,000
3.85%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
ORNL
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
1117 N Charles G Seivers Blvd, Clinton, TN 37716 3943
12-Month IRA PROMOTIONAL
$500
3.80%
▼
Rate3.73%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
$500 minimum deposit required
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
1500 McCallie Ave, Chattanooga, TN 37404 2937
1-Year CD
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
1701 21st Ave s, Nashville, TN 37212 3703
12-Month Certificate
$500
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Bowater Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN 37309
12-month TSA/IRA
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
420 Central Ave NW, Cleveland, TN 37311
Term Share Certificates 12 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
$1,200 Minimum. Early withdrawal penalty = 90 days dividend earned or not.
Community Bank Lexington, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
19 Natchez Trace Dr S, Lexington, TN 38351
Individual Retirement Accounts IRA 12 Month
$500
3.45%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
3601 Paul R Lowry Rd, Memphis, TN 38109 3007
Certificates minimum) 12 Month
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
$1,000
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
2711 Old Lebanon Pike, Nashville, TN 37214
12 Month Share Certificate
$0
3.29%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
131 Maple Row Blvd Ste 401, Hendersonville, TN 37075
Certificates of Deposit 12 Month
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
minimum balance of $1,000 is required for all CDs, and an early withdrawal penalty will apply for all CDs not held to maturity.
Homeland Community Bank
Institution Rating:
C+4.2 ★Texas Ratio: 24.87%
900 N Chancery St, Mcminnville, TN 37110
12 Month CD
$500
2.95%
▼
Rate2.95%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Minimum Opening Deposit $500.00
FedTrust Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
167 N Main St Ste 102, Memphis, TN 38103 1867
Certificate 1 Year
$0
2.78%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3155 Millbranch Rd, Memphis, TN 38116 1917
12 Month Share Certificates (CDs)
$0
2.75%
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Volunteer State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
9000 Carothers Pkwy, Franklin, TN 37067
12 Month CD/IRA
$0
2.63%
▼
Rate2.60%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN 37027
12 Month Certificate
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Gateway Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 22.88%
100 Otis Smith Dr, Clarksville, TN 37043 8939
12 Month IRA
$1
2.25%
▼
Rate2.25%
Min Deposit$1
Min Balance—
UpdatedApr 5, 2026
Details
U T
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2100 White Ave, Knoxville, TN 37916 2216
12 Month Add-On Certificate
$10,000
2.00%
▼
Rate1.98%
Min Deposit$10,000
Min Balance—
UpdatedApr 5, 2026
Details
($100 MIN)?
Tennessee State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
2210 Parkway, Pigeon Forge, TN 37863
12 Month CD Personal
$1,000
1.50%
▼
Rate1.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
113 Seaboard Ln, Franklin, TN 37067
IRA - Individual Retirement Accounts 12-Month
$1,000
1.25%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Kennedy VA Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
1030 Jefferson Ave, Memphis, TN 38104
12 Month Term Account
$1,500
1.00%
▼
Rate1.00%
Min Deposit$1,500
Min Balance—
UpdatedApr 5, 2026
Details
Patriot Equity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.60%
1450 Union University Dr, Jackson, TN 38305
12 Month Share Certificates
$0
0.70%
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
First Choice Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
100 N 17th St, Knoxville, TN 37921 6750
12 Month IRA-Certificate
$1,000
0.45%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Greeneville Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
101 W Summer St, Greeneville, TN 37743
IRA Certificates 12 Month
$0
0.25%
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
3101 Peoples St, Johnson City, TN 37604
18 Month Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
313 W Oakland Ave, Johnson City, TN 37604
18 Month Certificate Account with Rewards
$500
3.35%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Elizabethton FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
304 Sunset Dr, Johnson City, TN 37604
18 Month CD
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1919 N Roan St, Johnson City, TN 37601
18 Month Term Certificate Accounts / IRA Certificates
$0
2.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN 37415 6911
18-Month Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
9525 Apison Pike, Collegedale, TN 37315
IRA Certificate Term 18-Month Variable
$100,000
3.72%
▼
Rate3.66%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
$100,000 Minimum to Earn APY
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
201 Battlecreek Rd, South Pittsburg, TN 37380
18 Month Certificate of Deposit
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN 37210
18 Month Retention Special Regular Certificate
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Maturing certificates only
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
2050 Lowes Dr, Clarksville, TN 37040 1620
Fixed Rate Certificate | 18 Month
$0
3.40%
▼
Rate3.36%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
$1,000.00 Minimum Balance to Earn Stated APY
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
3183 Poplar Ave, Memphis, TN 38111
18 Month Certificate
$10,000
3.30%
▼
Rate3.30%
Min Deposit$10,000
Min Balance—
UpdatedApr 5, 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
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Community Bank Lexington, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
19 Natchez Trace Dr S, Lexington, TN 38351
Individual Retirement Accounts IRA 18 Month
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
2711 Old Lebanon Pike, Nashville, TN 37214
18 Month Share Certificate
$0
3.19%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Johnsonville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
209 HIGHWAY 641 N, CAMDEN, TN 38320
18 Month Certificate
$1,000
3.10%
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
1701 21st Ave s, Nashville, TN 37212 3703
18-Month Certificate
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
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%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Minimum Opening Deposit $500.00
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
420 Central Ave NW, Cleveland, TN 37311
Term Share Certificates 18 Month
$0
2.83%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
$1,800 Minimum. Early withdrawal penalty = 90 days dividend earned or not.
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
113 Seaboard Ln, Franklin, TN 37067
IRA - Individual Retirement Accounts 18-Month
$1,000
2.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
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—
UpdatedApr 5, 2026
Details
Knoxville Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
5207 Schubert Rd, Knoxville, TN 37912
18 Month Share Certificate
$0
2.35%
▼
Rate2.35%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
($1,000-$49,999)
Gateway Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 22.88%
100 Otis Smith Dr, Clarksville, TN 37043 8939
18 Month IRA
$1
2.30%
▼
Rate2.30%
Min Deposit$1
Min Balance—
UpdatedApr 5, 2026
Details
Horizon Credit Union Kingsport, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
130 Main St W, Mt Carmel, TN 37645
IRA - 18 Month Certificate
$0
2.02%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
100 Mcmurry Blvd E, Hartsville, TN 37074
18 Month CD
$1,000
1.90%
▼
Rate1.89%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
U T
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2100 White Ave, Knoxville, TN 37916 2216
18 Month Educational IRA
$0
1.55%
▼
Rate1.54%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Tennessee State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
2210 Parkway, Pigeon Forge, TN 37863
Traditional IRA 18 Month CD
$100
1.50%
▼
Rate1.50%
Min Deposit$100
Min Balance—
UpdatedApr 5, 2026
Details
Patriot Equity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.60%
1450 Union University Dr, Jackson, TN 38305
18 Month Share Certificates
$0
0.90%
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
First Choice Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
100 N 17th St, Knoxville, TN 37921 6750
18 Month IRA-Certificate
$1,000
0.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Greeneville Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
101 W Summer St, Greeneville, TN 37743
IRA Certificates 18 Month
$0
0.30%
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Kennedy VA Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
1030 Jefferson Ave, Memphis, TN 38104
18 Month IRA
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedApr 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
313 W Oakland Ave, Johnson City, TN 37604
24 Month Certificate Account with Rewards
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
3101 Peoples St, Johnson City, TN 37604
24 Month Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Elizabethton FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
304 Sunset Dr, Johnson City, TN 37604
24 Month CD
$500
3.04%
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1919 N Roan St, Johnson City, TN 37601
24 Month Term Certificate Accounts / IRA Certificates
$0
1.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
$100,000 and over
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
1500 McCallie Ave, Chattanooga, TN 37404 2937
2 1/2-Year CD
$0
3.95%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN 37210
24 Month Certificate (quarterly dividends) Jumbo Certificate
$50,000
3.40%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedApr 5, 2026
Details
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
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
2050 Lowes Dr, Clarksville, TN 37040 1620
Fixed Rate Certificate | 24 Month
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
$1,000.00 Minimum Balance to Earn Stated APY
Community Bank Lexington, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
19 Natchez Trace Dr S, Lexington, TN 38351
Individual Retirement Accounts IRA 24 Month
$500
3.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.34%
3183 Poplar Ave, Memphis, TN 38111
2 Year Certificate
$50,000
3.10%
▼
Rate3.10%
Min Deposit$50,000
Min Balance—
UpdatedApr 5, 2026
Details
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
2711 Old Lebanon Pike, Nashville, TN 37214
24 Month Share Certificate
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
1701 21st Ave s, Nashville, TN 37212 3703
24-Month Certificate
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
420 Central Ave NW, Cleveland, TN 37311
Term Share Certificates 24 Month
$0
2.93%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
$2,000 Minimum. 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—
UpdatedApr 5, 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%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Minimum Opening Deposit $500.00
Bowater Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
5123 Highway 11 S, Calhoun, TN 37309
24-month TSA/IRA
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
113 Seaboard Ln, Franklin, TN 37067
IRA - Individual Retirement Accounts 24-Month
$1,000
2.75%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
1401 W Main St, Lebanon, TN 37087
24 Month Share Certificate
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Gateway Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 22.88%
100 Otis Smith Dr, Clarksville, TN 37043 8939
24 Month IRA
$1
2.50%
▼
Rate2.50%
Min Deposit$1
Min Balance—
UpdatedApr 5, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN 37027
24 Month Certificate
$0
2.47%
▼
Rate2.45%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Volunteer State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
9000 Carothers Pkwy, Franklin, TN 37067
2 Year CD/IRA
$0
2.42%
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3155 Millbranch Rd, Memphis, TN 38116 1917
24 Month Share Certificates (CDs)
$0
2.25%
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
100 Mcmurry Blvd E, Hartsville, TN 37074
24 Month CD
$1,000
2.10%
▼
Rate2.09%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
First Choice Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
100 N 17th St, Knoxville, TN 37921 6750
24 Month Share Certificate
$1,000
1.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Patriot Equity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.60%
1450 Union University Dr, Jackson, TN 38305
24 Month Share Certificates
$0
1.10%
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Greeneville Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
101 W Summer St, Greeneville, TN 37743
24 Month Certificate
$0
0.35%
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
313 W Oakland Ave, Johnson City, TN 37604
36 Month Certificate Account
$0
3.60%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
3101 Peoples St, Johnson City, TN 37604
36 Month Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1919 N Roan St, Johnson City, TN 37601
36 Month Term Certificate Accounts / IRA Certificates
$0
1.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
3 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
$100,000 and over
ORNL
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
1117 N Charles G Seivers Blvd, Clinton, TN 37716 3943
36-Month IRA PROMOTIONAL
$500
3.80%
▼
Rate3.73%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
$500 minimum deposit required
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
9525 Apison Pike, Collegedale, TN 37315
IRA Certificate Term 36-Month Variable
$100,000
3.67%
▼
Rate3.61%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
$100,000 Minimum to Earn APY
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN 37210
IRA 36 Month Certificate
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
($50,000 or more)
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
113 Seaboard Ln, Franklin, TN 37067
IRA - Individual Retirement Accounts 36-Month
$1,000
3.50%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
First Choice Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
100 N 17th St, Knoxville, TN 37921 6750
36 Month Share Certificate
$1,000
3.35%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
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
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN 37415 6911
36-Month Share Certificate
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
2050 Lowes Dr, Clarksville, TN 37040 1620
Fixed Rate Certificate | 36 Month
$0
3.15%
▼
Rate3.11%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
$1,000.00 Minimum Balance to Earn Stated APY
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—
UpdatedApr 5, 2026
Details
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
2711 Old Lebanon Pike, Nashville, TN 37214
36 Month Share Certificate
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
1500 McCallie Ave, Chattanooga, TN 37404 2937
3-Year CD
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Community Bank Lexington, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
19 Natchez Trace Dr S, Lexington, TN 38351
Individual Retirement Accounts IRA 36 Month
$500
2.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
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%
▼
Rate2.80%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Minimum Opening Deposit $500.00
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3120 Broad St, Chattanooga, TN 37408 3095
36 Month Certificate
$2,500
2.75%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 5, 2026
Details
Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
1401 W Main St, Lebanon, TN 37087
36 Month Share Certificate
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Gateway Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 22.88%
100 Otis Smith Dr, Clarksville, TN 37043 8939
36 Month IRA
$1
2.50%
▼
Rate2.50%
Min Deposit$1
Min Balance—
UpdatedApr 5, 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—
UpdatedApr 5, 2026
Details
First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
100 Mcmurry Blvd E, Hartsville, TN 37074
36 Month CD
$1,000
2.34%
▼
Rate2.33%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN 37027
36 Month Certificate
$0
2.32%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3155 Millbranch Rd, Memphis, TN 38116 1917
36 Month Share Certificates (CDs)
$0
2.00%
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Patriot Equity Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.60%
1450 Union University Dr, Jackson, TN 38305
36 Month Share Certificates
$0
1.26%
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
420 Central Ave NW, Cleveland, TN 37311
Term Share Certificates 36 Month
$0
1.00%
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
$2,000 Minimum. Early withdrawal penalty = 90 days dividend earned or not.
Greeneville Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
101 W Summer St, Greeneville, TN 37743
36 Month Certificate
$0
0.45%
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
313 W Oakland Ave, Johnson City, TN 37604
48 Month Certificate Account
$0
3.70%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
3101 Peoples St, Johnson City, TN 37604
48 Month Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Elizabethton FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
304 Sunset Dr, Johnson City, TN 37604
48 Month CD
$500
2.15%
▼
Rate2.12%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1919 N Roan St, Johnson City, TN 37601
48 Month Term Certificate Accounts / IRA Certificates
$0
1.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
113 Seaboard Ln, Franklin, TN 37067
IRA - Individual Retirement Accounts 48-Month
$1,000
3.65%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN 37210
IRA 48 Month Certificate
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
($50,000 or more)
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
9525 Apison Pike, Collegedale, TN 37315
48-Month Share Certificate
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
$100,000 Minimum to Earn APY
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
2050 Lowes Dr, Clarksville, TN 37040 1620
Fixed Rate Certificate | 48 Month
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
$1,000.00 Minimum Balance to Earn Stated APY
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
2711 Old Lebanon Pike, Nashville, TN 37214
48 Month Share Certificate
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
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%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Minimum Opening Deposit $500.00
Community Bank Lexington, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
19 Natchez Trace Dr S, Lexington, TN 38351
Individual Retirement Accounts IRA 48 Month
$500
2.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Gateway Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 22.88%
100 Otis Smith Dr, Clarksville, TN 37043 8939
48 Month Term Deposit
$1,000
2.50%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Interest Pays Quarterly
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—
UpdatedApr 5, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN 37027
48 Month Certificate
$0
2.32%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
1701 21st Ave s, Nashville, TN 37212 3703
48-Month Certificate
$500
2.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3155 Millbranch Rd, Memphis, TN 38116 1917
48 Month Share Certificates (CDs)
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Greeneville Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
101 W Summer St, Greeneville, TN 37743
IRA Certificates 48 Month
$0
0.45%
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
313 W Oakland Ave, Johnson City, TN 37604
60 Month Certificate Account
$0
3.80%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
3101 Peoples St, Johnson City, TN 37604
60 Month Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Elizabethton FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
304 Sunset Dr, Johnson City, TN 37604
60 Month CD
$500
2.15%
▼
Rate2.12%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
1919 N Roan St, Johnson City, TN 37601
60 Month Term Certificate Accounts / IRA Certificates
$0
1.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
$100,000 and over
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN 37210
IRA 5 Year Certificate
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
($50,000 or more)
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
9525 Apison Pike, Collegedale, TN 37315
IRA Certificate Term 60-Month Fixed
$100,000
3.50%
▼
Rate3.44%
Min Deposit$100,000
Min Balance—
UpdatedApr 5, 2026
Details
$100,000 Minimum to Earn APY
Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
2050 Lowes Dr, Clarksville, TN 37040 1620
Fixed Rate Certificate | 60 Month
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
$1,000.00 Minimum Balance to Earn Stated APY
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
1235 E Weisgarber Rd, Knoxville, TN 37909 2646
60-Mo Trad/Roth IRA CD
$2,500
3.20%
▼
Rate3.15%
Min Deposit$2,500
Min Balance—
UpdatedApr 5, 2026
Details
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
2711 Old Lebanon Pike, Nashville, TN 37214
60 Month Share Certificate
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
First Choice Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
100 N 17th St, Knoxville, TN 37921 6750
60 Month Share Certificate
$1,000
3.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
3120 Broad St, Chattanooga, TN 37408 3095
60 Month Certificate
$2,500
2.75%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 5, 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%
▼
Rate2.70%
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
Minimum Opening Deposit $500.00
Community Bank Lexington, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
19 Natchez Trace Dr S, Lexington, TN 38351
Individual Retirement Accounts IRA 60 Month
$500
2.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedApr 5, 2026
Details
First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
100 Mcmurry Blvd E, Hartsville, TN 37074
60 Month CD
$1,000
2.64%
▼
Rate2.62%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Gateway Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 22.88%
100 Otis Smith Dr, Clarksville, TN 37043 8939
60 Month Term Deposit
$1,000
2.50%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedApr 5, 2026
Details
Interest Pays Quarterly
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—
UpdatedApr 5, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
215 Centerview Dr Ste 3 111, Brentwood, TN 37027
60 Month Certificate
$0
2.32%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
3155 Millbranch Rd, Memphis, TN 38116 1917
60 Month Share Certificates (CDs)
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details
Greeneville Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.03%
101 W Summer St, Greeneville, TN 37743
IRA Certificates 60 Month
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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.
Frequently Asked Questions about CD Rates in Johnson City, Tennessee
Are CD rates in Johnson City, Tennessee FDIC insured?
Yes, most established banks in Johnson City, 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 Johnson City, 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 Johnson City, 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 Johnson City, 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 Johnson City, Tennessee?
Here are recent top rates found for this area:
- Northeast Community Credit Union: 3.80% APY (60 Month Certificate Account)
- Appalachian Community Federal Credit Union: 3.50% APY (6 Month Certificate)
- Elizabethton FSB: 3.36% APY (12 Month CD)
- Consumer Credit Union: 2.85% APY (18 Month Term Certificate Accounts / IRA Certificates)
- First Citizens Bank: 0.01% APY (6-month automatic saver CD)
- Firefighters First Federal Credit Union: 4.10% APY (Dream Home Share Certificate 5 Year Retirement Share Certificate)
- Republic Bank & Trust Company: 4.00% APY (IRA - Individual Retirement Accounts 6-Month)
- EPB Employees Credit Union: 3.95% APY (2 1/2-Year CD)
- Austin Capital Bank: 3.91% APY (Certificates of Deposit 3 Month)
- US Community Credit Union: 3.91% APY (12 Month Special Regular Certificate)
Rates reflect recent verified offers available in Johnson City, Tennessee. Last Updated: April 5, 2026
CD Calculators
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate certificate of deposit (CD) rates for Johnson City, Tennessee directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling data straight from the institutions' own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Johnson City, 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: April 5, 2026
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