Johnson City, Tennessee CD Rates Today - Compare Best APYs for July 2026
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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 Johnson City, Tennessee CD rates include Consumer Credit UnionConsumer Credit Union1919 N Roan St, Johnson City, TN 37601A+5.0 ★Texas Ratio: 0.67%Real return: +1.35%APY minus CPI (February 2026) offering 24 Month Term at 4.15% APY, Knoxville TVA Employees Credit UnionKnoxville TVA Employees Credit Union2004 N Roan St, Johnson City, TN 37601A+5.0 ★Texas Ratio: 3.25%Real return: +0.95%APY minus CPI (February 2026) offering CERTIFICATE ACCOUNTS/BUSINESS CERTIFICATE ACCOUNTS 18 Months at 3.75% APY, Eastman Credit UnionEastman Credit Union113 Broyles Dr, Johnson City, TN 37601A+5.0 ★Texas Ratio: 1.27%Real return: +0.95%APY minus CPI (February 2026) offering Business 3 to 4 Years at 3.75% APY, Eclipse BankEclipse Bank203 Broyles Dr, Johnson City, TN 37601A+5.0 ★Texas Ratio: 1.64%Real return: +0.70%APY minus CPI (February 2026) offering 6 months at 3.50% APY, and Appalachian Community Federal Credit UnionAppalachian Community Federal Credit Union3101 Peoples St, Johnson City, TN 37604A+5.0 ★Texas Ratio: 1.13%Real return: +0.70%APY minus CPI (February 2026) offering 3 Month Certificate at 3.50% APY. CD rates as of July 25, 2026 according to verified data from MonitorBankRates.
Johnson City has 54 local institutions in our database, with CD rates as high as 4.15% APY from Consumer Credit Union at 1919 N Roan St, Johnson City, TN 37601. 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 25, 2026
Compare Best CD Rates in Johnson City, Tennessee & the Surrounding Area
Johnson City 3 Month CD Rates
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: 1.13%
3101 Peoples St, Johnson City, TN 37604
3 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
203 Broyles Dr, Johnson City, TN 37601
3 months
$0
0.10%
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Balances of $500.00-$99,999.99
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Business 3 Months
$1,000
3.66%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedJul 22, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
3-Month
$0
3.60%
▼
Rate3.54%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
Share Certificate 3 Months
$0
3.59%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
3 Month
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
3 Month IRA
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
IRA APY*
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
3 Month Certificate
$0
3.05%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
quarterly dividends
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
3-Month Certificate
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
$500 to $24,999; $25,000 to $49,999; $50,000 or more
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
1 - 3 Month CD
$0
1.76%
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Rate1.05%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
90 Day
$500
0.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
3 Month
$500
0.50%
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedJul 15, 2026
Details
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
Jumbo Share/IRA Certificate 3 Month
$100,000
0.50%
▼
Rate0.50%
Min Deposit$100,000
Min Balance—
UpdatedJul 15, 2026
Details
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
90 Day
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Loss of dividend penalty for early withdrawal.
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
3 Months
$0
0.10%
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Interest Rate
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Early withdrawal penalties may apply. Additional terms are available at a branch.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedJul 11, 2026
Details
Relationship APY 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Other rates and terms are available. There is a penalty for early withdrawal.
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
Business Share Certificates 3 Months
$0
0.05%
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Other rates and terms are available.
Johnson City 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
2004 N Roan St, Johnson City, TN 37601
CERTIFICATE ACCOUNTS/BUSINESS CERTIFICATE ACCOUNTS 6 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
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.
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
203 Broyles Dr, Johnson City, TN 37601
6 months
$0
3.50%
▼
Rate3.46%
Min Deposit$0
Min Balance—
UpdatedJul 12, 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—
UpdatedJul 12, 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.
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
3101 Peoples St, Johnson City, TN 37604
6 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 24, 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
2.53%
▼
Rate2.50%
Min Deposit$2,500
Min Balance—
UpdatedJul 12, 2026
Details
Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1919 N Roan St, Johnson City, TN 37601
6 Month Term
$0
1.10%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Special CD. APY*
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
Jumbo Share/IRA Certificate 6 Month
$100,000
4.00%
▼
Rate3.93%
Min Deposit$100,000
Min Balance—
UpdatedJul 15, 2026
Details
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
6 Month
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedJul 15, 2026
Details
SouthEast Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.66%
6-Month CD Special
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Interest Compounded & Credited: Quarterly
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.13%
6-Month Share Certificate
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 24, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
6 Month CD
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
Share Certificate 6 Months
$0
3.79%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Balances of $500.00-$99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Months
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Jumbo Certificate 6 Months Fixed
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Compounding
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Month
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
6 Months
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 6 Month
$1,000
3.65%
▼
Rate3.59%
Min Deposit$1,000
Min Balance—
UpdatedJul 25, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Jumbo Certificate 6 Months Fixed
$0
3.60%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Non-Compounding
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
6 Month
$0
3.60%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 23, 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%
6 Month
$0
3.58%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
6 Months IRA Certificate
$2,000
3.56%
▼
Rate3.50%
Min Deposit$2,000
Min Balance—
UpdatedJul 25, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
6 Month
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
One withdrawal with no penalty - all subsequent withdrawals incur a 90 day dividend penalty.
Outreach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
6 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
6-Month Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
$500 to $24,999; $25,000 to $49,999; $50,000 or more
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
IRA Certificate 6 months
$500
3.49%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
Standard Certificates 6 months
$500
3.49%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Business 6 Months
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedJul 22, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
6-Month
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Heritage South Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
6 Month Certificate
$0
3.43%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
6 Month Certificate
$0
3.38%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
quarterly dividends
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Share Certificate 6 Months Fixed
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Compounding
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Share Certificate 6 Months Fixed
$0
3.30%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Non-Compounding
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
6 Month Certificate
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
monthly dividends
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
6 Month IRA
$0
3.19%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
IRA APY*
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
Value Plus 6 Month Certificate
$0
3.19%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
6 Month
$0
3.17%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
6 Months (Starter) Fixed
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Compounding
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Share Certificate 6 Months (Starter) Fixed
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Special Offers
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
6 Months (Starter) Fixed
$0
3.10%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Non-Compounding
Johnson City 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1919 N Roan St, Johnson City, TN 37601
12 Month Term
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
2004 N Roan St, Johnson City, TN 37601
CERTIFICATE ACCOUNTS/BUSINESS CERTIFICATE ACCOUNTS 12 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
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.
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
3101 Peoples St, Johnson City, TN 37604
12 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
203 Broyles Dr, Johnson City, TN 37601
12 months
$0
3.25%
▼
Rate3.21%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Elizabethton FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
304 Sunset Dr, Johnson City, TN 37604
12 Month CD
$500
3.18%
▼
Rate3.13%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Beacon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
300 Med Tech Pkwy, Johnson City, TN 37604
Certificates 12 Months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
3101 Peoples St, Johnson City, TN 37604
Appy Youth Certificate 12 Month
$0
2.05%
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
3101 Peoples St, Johnson City, TN 37604
Appy Youth Certificate 12 Month Certificate
$0
2.05%
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
2004 N Roan St, Johnson City, TN 37601
Set It & Forget It Certificate Account - 12 months
$25
2.00%
▼
Rate1.98%
Min Deposit$25
Min Balance—
UpdatedJul 11, 2026
Details
Monthly Dividend Compound. Automatic deposits of at least $25.00 per month are required on balances under $25,000.00. Failure to complete required deposits may result in early withdrawal penalties and closure. Additional deposits allowed within the term of the certificate account. No limits required for additional deposits.
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
3111 Browns Mill Rd, Johnson City, TN 37604
12 Months
$0
2.00%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Leaders Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
12-Month Certificate Special
$1,000
4.25%
▼
Rate4.17%
Min Deposit$1,000
Min Balance—
UpdatedJul 16, 2026
Details
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
12 Month Certificate
$1,000
4.06%
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
UpdatedJul 25, 2026
Details
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.77%
Youth Share Certificates 12 Months
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Youth Bonus
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
$500 minimum deposit required
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
$500 minimum deposit required
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
Jumbo Share/IRA Certificate 12 Month
$100,000
4.00%
▼
Rate3.93%
Min Deposit$100,000
Min Balance—
UpdatedJul 15, 2026
Details
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
12 Month
$500
4.00%
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedJul 15, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1 Year
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
SouthEast Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.66%
12-Month CD Special
$1,000
3.85%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedJul 12, 2026
Details
Interest Compounded & Credited: Quarterly
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.13%
12-Month Share Certificate
$500
3.85%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 24, 2026
Details
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
Share Certificate 12 Months
$0
3.82%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1 Year
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
1 Year Rookie Share Certificate
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 12 Month
$1,000
3.80%
▼
Rate3.74%
Min Deposit$1,000
Min Balance—
UpdatedJul 25, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
1 Year Certificate
$2,500
3.80%
▼
Rate3.75%
Min Deposit$2,500
Min Balance—
UpdatedJul 25, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
12 Month Certificate of Deposit
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Balances of $500.00-$99,999.99
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Jumbo Certificate 12 Months Fixed
$0
3.71%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Compounding
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
IRA Certificate 12 months
$500
3.70%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
Roth IRA Certificates 12 months
$500
3.70%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
Standard Certificates 12 months
$500
3.70%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
12-Month Certificate
$500
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
$500 to $24,999; $25,000 to $49,999; $50,000 or more
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Jumbo Certificate 12 Months Fixed
$0
3.65%
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Non-Compounding
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
IRA 12 Month Certificate
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
Roth IRA 12 Month Certificate
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Outreach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
12 Months
$0
3.60%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
12 Months IRA Certificate
$2,000
3.56%
▼
Rate3.50%
Min Deposit$2,000
Min Balance—
UpdatedJul 25, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
12 Month Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
quarterly dividends
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.22%
12 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Early withdrawal penalty = 90 days dividend earned or not.
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Business 12 Months
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedJul 22, 2026
Details
Johnsonville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
12 Month
$0
3.45%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Johnsonville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
12 Month Wealth Builder
$0
3.45%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Heritage South Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
12 Month Certificate
$0
3.44%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
12-Month
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
12-Month Fixed
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Johnson City 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1919 N Roan St, Johnson City, TN 37601
18 Month Term
$0
4.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
2004 N Roan St, Johnson City, TN 37601
CERTIFICATE ACCOUNTS/BUSINESS CERTIFICATE ACCOUNTS 18 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
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.
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
3101 Peoples St, Johnson City, TN 37604
18 Month Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Elizabethton FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
304 Sunset Dr, Johnson City, TN 37604
18 Month CD
$500
2.89%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
3111 Browns Mill Rd, Johnson City, TN 37604
18 Months
$0
2.00%
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
203 Broyles Dr, Johnson City, TN 37601
18 months
$0
0.50%
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
18-Month Variable
$0
4.01%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 18 Month
$1,000
3.90%
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
UpdatedJul 25, 2026
Details
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
18 Month Certificate
$1,000
3.80%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedJul 25, 2026
Details
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
18 Month Certificate of Deposit
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.13%
18-Month Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 24, 2026
Details
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
18 Months IRA Certificate
$2,000
3.66%
▼
Rate3.60%
Min Deposit$2,000
Min Balance—
UpdatedJul 25, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
18 Month Retention Special
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Maturing certificates only
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Jumbo Certificate 18 Months Fixed
$0
3.61%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Compounding
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
Roth IRA 18 Month Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
IRA 18 Month Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Jumbo Certificate 18 Months Fixed
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Non-Compounding
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
Share Certificate 18 Months
$0
3.54%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Business 18 Months
$1,000
3.45%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedJul 22, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
18 Month Certificate
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
quarterly dividends
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
IRA Certificate 18 months
$500
3.44%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
Standard Certificates 18 months
$500
3.44%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
18 Month IRA Fixed
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Share Certificate 18 Months Fixed
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Compounding
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Traditional IRAs and Roth IRA Certificates 18 Months Fixed
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Veritas Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
IRA Certificate 18 Months
$0
3.29%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
ROTH IRA Share Certificates Jumbo Certificate 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Share Certificate 18 Months Fixed
$0
3.25%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Non-Compounding
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
Traditional IRA Share Certificates Jumbo Certificate 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
Traditional IRA Jumbo Certificate 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Other rates and terms are available.
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
Traditional IRA 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Other rates and terms are available.
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
Traditional IRA Share Certificates 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
ROTH IRA Share Certificates 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
ROTH IRA Jumbo Certificate 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Rates subject to change without notice.
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
ROTH IRA 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Rates subject to change without notice.
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
Jumbo Certificate 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.88%
Business Share Certificates 18 Months
$0
3.25%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Other rates and terms are available.
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details
Tennessee State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
Traditional IRA 18 Month CD
$100
3.21%
▼
Rate3.20%
Min Deposit$100
Min Balance—
UpdatedJul 11, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
18 Month Certificate
$0
3.20%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
monthly dividends
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Johnsonville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
18 Month
$0
3.10%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
EMPLOYEE RESOURCES
Institution Rating:
A+5.0 ★Texas Ratio: 6.31%
IRA Certificate of Deposit - 18 Month
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
18 Month CD
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
18-Month Certificate
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
$500 to $24,999; $25,000 to $49,999; $50,000 or more
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
18 Month Certificate
$2,500
3.00%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedJul 23, 2026
Details
Kemba Delta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.46%
18 Months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Johnson City 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1919 N Roan St, Johnson City, TN 37601
24 Month Term
$0
4.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
113 Broyles Dr, Johnson City, TN 37601
Business 1 to 2 Years
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedJul 16, 2026
Details
Jumbo APY: 3.80%, Jumbo Dividend Rate: 3.74%, Early Withdrawal Penalty: 180 Days' Dividends
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
2004 N Roan St, Johnson City, TN 37601
CERTIFICATE ACCOUNTS/BUSINESS CERTIFICATE ACCOUNTS 24 Months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
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.
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
3101 Peoples St, Johnson City, TN 37604
24 Month Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
2004 N Roan St, Johnson City, TN 37601
Set It & Forget It Certificate Account - 24 months
$25
3.00%
▼
Rate2.96%
Min Deposit$25
Min Balance—
UpdatedJul 11, 2026
Details
Monthly Dividend Compound. Automatic deposits of at least $25.00 per month are required on balances under $25,000.00. Failure to complete required deposits may result in early withdrawal penalties and closure. Additional deposits allowed within the term of the certificate account. No limits required for additional deposits.
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
203 Broyles Dr, Johnson City, TN 37601
24 months
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Beacon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
300 Med Tech Pkwy, Johnson City, TN 37604
Certificates 24 Months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Elizabethton FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
304 Sunset Dr, Johnson City, TN 37604
24 Month CD
$500
2.89%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedJul 12, 2026
Details
Leaders Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
24-Month Certificate Special
$1,000
4.25%
▼
Rate4.17%
Min Deposit$1,000
Min Balance—
UpdatedJul 16, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Years
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Volunteer Federal Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.66%
2-Year CD
$500
4.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
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.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Years
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
2 1/2-Year CD
$0
3.95%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Year
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
2 Years
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.48%
1 1/2 Year-CD
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
Share Certificate 2 Years
$0
3.72%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
Roth IRA 24 Month Certificate
$0
3.66%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
IRA 24 Month Certificate
$0
3.66%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Jumbo Certificate 24 Months Fixed
$0
3.66%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Compounding
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
24 Months IRA Certificate
$2,000
3.66%
▼
Rate3.60%
Min Deposit$2,000
Min Balance—
UpdatedJul 25, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Jumbo Certificate 24 Months Fixed
$0
3.60%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Non-Compounding
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
IRA 24 Month Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
Roth IRA 24 Month Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
24 Month Certificate
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedJul 25, 2026
Details
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.13%
24-Month Share Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 24, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
24-Month Fixed
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
24-Month
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Business 24 Months
$1,000
3.45%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedJul 22, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
IRA Certificate 24 months
$500
3.44%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
Standard Certificates 24 months
$500
3.44%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
24 Month Certificate
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
quarterly dividends
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Share Certificate 24 Months Fixed
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Compounding
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Traditional IRAs and Roth IRA Certificates 24 Months Fixed
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Share Certificate 24 Months Fixed
$0
3.30%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Non-Compounding
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
2 Year CD
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
24 Month IRA Fixed
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Early withdrawal penalty 120 days
Outreach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
24 Months
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
24 Month Certificate
$0
3.15%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
monthly dividends
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
24-Month Certificate
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
$500 to $24,999; $25,000 to $49,999; $50,000 or more
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Balances of $500.00-$99,999.99
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
24 Month Certificate
$2,500
3.00%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedJul 23, 2026
Details
Johnson City 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
113 Broyles Dr, Johnson City, TN 37601
Business 2 to 3 Years
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedJul 16, 2026
Details
Jumbo APY: 3.80%, Jumbo Dividend Rate: 3.74%, Early Withdrawal Penalty: 180 Days' Dividends
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
2004 N Roan St, Johnson City, TN 37601
CERTIFICATE ACCOUNTS/BUSINESS CERTIFICATE ACCOUNTS 36 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
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.
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
3101 Peoples St, Johnson City, TN 37604
36 Month Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Beacon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
300 Med Tech Pkwy, Johnson City, TN 37604
Certificates 36 Months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1919 N Roan St, Johnson City, TN 37601
36 Month Term
$0
1.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
203 Broyles Dr, Johnson City, TN 37601
36 months
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Leaders Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
36-Month Certificate Special
$1,000
4.25%
▼
Rate4.17%
Min Deposit$1,000
Min Balance—
UpdatedJul 16, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
36-Month Variable
$0
4.12%
▼
Rate4.04%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
$500 minimum deposit required
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
$500 minimum deposit required
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Years
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Years
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 3 Year
$1,000
3.90%
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Years
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
3 Year
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.51%
36 Months IRA Certificate
$2,000
3.76%
▼
Rate3.70%
Min Deposit$2,000
Min Balance—
UpdatedJul 25, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Jumbo Certificate 36 Months Fixed
$0
3.76%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Compounding
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Jumbo Certificate 36 Months Fixed
$0
3.70%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Non-Compounding
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
Share Certificate 3 Years
$0
3.63%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
IRA 36 Month Certificate
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
Roth IRA 36 Month Certificate
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Business 36 Months
$1,000
3.51%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedJul 22, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
36-Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
36-Month Fixed
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
IRA 36 Month Certificate
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
Roth IRA 36 Month Certificate
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Share Certificate 36 Months Fixed
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Compounding
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Traditional IRAs and Roth IRA Certificates 36 Months Fixed
$0
3.44%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Share Certificate 36 Months Fixed
$0
3.40%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Non-Compounding
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
36 Month Certificate
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Veritas Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.94%
IRA Certificate 36 Months
$0
3.34%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Member's Choice Share Certificate 36 Months Fixed
$0
3.34%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Compounding
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Member's Choice Share Certificate 36 Months Fixed
$0
3.30%
▼
Rate3.30%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Non-Compounding
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
36 Month Certificate
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
IRA Certificate 36 months
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
Roth IRA Certificates 36 months
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
Standard Certificates 36 months
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
3 Year CD
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
36 Month IRA Fixed
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Early withdrawal penalty 182 days
Outreach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
36 Months
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
36 Month Certificate
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedJul 25, 2026
Details
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 17.13%
36-Month Share Certificate
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 24, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
36 Month Certificate of Deposit
$0
3.10%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Johnson City 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
113 Broyles Dr, Johnson City, TN 37601
Business 3 to 4 Years
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedJul 16, 2026
Details
Jumbo APY: 3.80%, Jumbo Dividend Rate: 3.74%, Early Withdrawal Penalty: 240 Days' Dividends
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
2004 N Roan St, Johnson City, TN 37601
CERTIFICATE ACCOUNTS/BUSINESS CERTIFICATE ACCOUNTS 48 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
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.
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
3101 Peoples St, Johnson City, TN 37604
48 Month Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Beacon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
300 Med Tech Pkwy, Johnson City, TN 37604
Certificates 48 Months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 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—
UpdatedJul 12, 2026
Details
Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1919 N Roan St, Johnson City, TN 37601
48 Month Term
$0
1.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
203 Broyles Dr, Johnson City, TN 37601
48 months
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Jumbo Certificate 48 Months Fixed
$0
3.82%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Compounding
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Jumbo Certificate 48 Months Fixed
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Non-Compounding
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
Roth IRA 48 Month Certificate
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
IRA 48 Month Certificate
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Business 48 Months
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedJul 22, 2026
Details
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
Share Certificate 4 Years
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
48-Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
48-Month Fixed
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Share Certificate 48 Months Fixed
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Compounding
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Traditional IRAs and Roth IRA Certificates 48 Months Fixed
$0
3.49%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Share Certificate 48 Months Fixed
$0
3.45%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Non-Compounding
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
IRA 48 Month Certificate
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
Roth IRA 48 Month Certificate
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
48 Month Certificate
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Member's Choice Share Certificate 48 Months Fixed
$0
3.39%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Compounding
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Member's Choice Share Certificate 48 Months Fixed
$0
3.35%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Non-Compounding
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
48 Month Certificate
$0
3.30%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
IRA Certificate 48 months
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
Standard Certificates 48 months
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
4 Year
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Balances of $500.00-$99,999.99
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
48 Month Certificate
$2,500
2.75%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedJul 23, 2026
Details
Homeland Community Bank
Institution Rating:
C+4.2 ★Texas Ratio: 24.87%
48 Month CD
$500
2.75%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedJul 20, 2026
Details
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
Jumbo Share/IRA Certificate 48 Month
$100,000
2.75%
▼
Rate2.72%
Min Deposit$100,000
Min Balance—
UpdatedJul 15, 2026
Details
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
48 Month
$500
2.75%
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedJul 15, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.16%
48 Month Certificate
$0
2.68%
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
48 Month IRA
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
IRA APY*
Gateway Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 19.67%
48 Month Term Deposit
$1,000
2.50%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedJul 11, 2026
Details
Interest Pays Quarterly
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
48 Month
$0
2.50%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.15%
48-Month Certificate
$500
2.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
$500 to $24,999; $25,000 to $49,999; $50,000 or more
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Johnson City 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
113 Broyles Dr, Johnson City, TN 37601
Business 4 to 5 Years
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedJul 16, 2026
Details
Jumbo APY: 3.80%, Jumbo Dividend Rate: 3.74%, Early Withdrawal Penalty: 240 Days' Dividends
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
113 Broyles Dr, Johnson City, TN 37601
Business 5 Years
$1,000
3.75%
▼
Rate3.69%
Min Deposit$1,000
Min Balance—
UpdatedJul 16, 2026
Details
Jumbo APY: 3.80%, Jumbo Dividend Rate: 3.74%, Early Withdrawal Penalty: 240 Days' Dividends
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.25%
2004 N Roan St, Johnson City, TN 37601
CERTIFICATE ACCOUNTS/BUSINESS CERTIFICATE ACCOUNTS 60 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
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.
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
3101 Peoples St, Johnson City, TN 37604
60 Month Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Beacon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.23%
300 Med Tech Pkwy, Johnson City, TN 37604
Certificates 60 Months
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
3111 Browns Mill Rd, Johnson City, TN 37604
60 Months
$0
2.50%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJul 12, 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—
UpdatedJul 12, 2026
Details
Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1919 N Roan St, Johnson City, TN 37601
60 Month Term
$0
1.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
203 Broyles Dr, Johnson City, TN 37601
60 months
$0
0.60%
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Rate4.17%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
$500 minimum deposit required
Rate4.17%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
$500 minimum deposit required
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Years
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Years
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
Traditional/Roth IRA Certificates 5 Year
$1,000
3.90%
▼
Rate3.83%
Min Deposit$1,000
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Years
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.51%
5 Year
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Jumbo Certificate 60 Months Fixed
$0
3.87%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Compounding
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Jumbo Certificate 60 Months Fixed
$0
3.80%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Non-Compounding
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
Share Certificate 5 Years
$0
3.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
Business 60 Months
$1,000
3.66%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedJul 22, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
IRA 5 Year Certificate
$0
3.61%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
Roth IRA 5 Year Certificate
$0
3.61%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
IRA Certificate 60 months
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
Roth IRA Certificates 60 months
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
Standard Certificates 60 months
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedJul 16, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Share Certificate 60 Months Fixed
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Compounding
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Traditional IRAs and Roth IRA Certificates 60 Months Fixed
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
IRA 5 Year Certificate
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
Roth IRA 5 Year Certificate
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
60-Month
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 17.71%
60-Month Fixed
$0
3.50%
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
60 Month Certificate of Deposit
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Share Certificate 60 Months Fixed
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Non-Compounding
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 20, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
5 Year Certificate
$0
3.46%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Member's Choice Share Certificate 60 Months Fixed
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Compounding
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.90%
Member's Choice Share Certificate 60 Months Fixed
$0
3.40%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Non-Compounding
Heritage South Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
60 Month Certificate
$0
3.39%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.30%
5 Year
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedJul 11, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
5 Year Certificate
$0
3.35%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 25, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 24, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details
Balances of $500.00-$99,999.99
Outreach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.95%
60 Months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 22, 2026
Details
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
60 Month IRA
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 23, 2026
Details
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.27%
60 Month Certificate
$2,500
2.75%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedJul 23, 2026
Details
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
Jumbo Share/IRA Certificate 60 Month
$100,000
2.75%
▼
Rate2.72%
Min Deposit$100,000
Min Balance—
UpdatedJul 15, 2026
Details
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.64%
60 Month
$500
2.75%
▼
Rate2.72%
Min Deposit$500
Min Balance—
UpdatedJul 15, 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.
Johnson City, TN CD Rate Trends
Compare local Johnson City, 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.
12-Month CD — TN Avg
2.382%
▼ 0.019 vs 7 days ago
Tennessee 12-month CD rates fell 0.019 points over the past 7 days to 2.382% APY.
6-Month CD — TN Avg
2.096%
▼ 0.017 vs 7 days ago
Tennessee 6-month CD rates fell 0.017 points over the past 7 days to 2.096% APY.
As of Jul 26, 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 July 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
TN 12-Month Avg APY
2.382%
6-Month Forecast
2.382%
Range: 2.18% – 2.53%
12-Month Forecast
2.132%
Range: 1.93% – 2.28%
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 | 1.945% | $97.27 | $194.54 | $486.35 | $972.70 |
| 6-Month CD | 2.096% | $104.80 | $209.60 | $524.00 | $1,048.00 |
| 12-Month CD | 2.382% | $119.08 | $238.16 | $595.40 | $1,190.80 |
| 18-Month CD | 2.920% | $146.01 | $292.01 | $730.03 | $1,460.05 |
| 24-Month CD | 2.938% | $146.88 | $293.75 | $734.38 | $1,468.75 |
| 36-Month CD | 3.150% | $157.51 | $315.01 | $787.53 | $1,575.05 |
| 48-Month CD | 3.022% | $151.09 | $302.18 | $755.45 | $1,510.90 |
| 60-Month CD | 3.284% | $164.21 | $328.41 | $821.03 | $1,642.05 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of July 25, 2026. | |||||
Sample CD Ladder for Johnson City, 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 | 1.945% | $97.27 |
| 2 | 6-Month CD | $5,000 | 2.096% | $104.80 |
| 3 | 12-Month CD | $5,000 | 2.382% | $119.08 |
| 4 | 24-Month CD | $5,000 | 2.938% | $146.88 |
| 5 | 36-Month CD | $5,000 | 3.150% | $157.51 |
| Total ($25,000 invested) | $25,000 | 2.502% blended | $625.54/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.
476
CD Rates
Tracked in Johnson City, Tennessee
Tracked in Johnson City, Tennessee
19 Banks
40 Credit Unions
About Our Johnson City, Tennessee CD Rate Database
MonitorBankRates tracks 476 CD rates from 19 banks and 40 credit unions with locations in Johnson City, 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: Consumer Credit Union offers a CD at 4.15% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Johnson City, Tennessee.
How to Find the Best CD Rates in Johnson City, Tennessee
What to compare when shopping for a CD in Johnson City, Tennessee
To find the best APYs in Johnson City, Tennessee, start with credit unions and online-only banks — Johnson City, 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 Johnson City, 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 Johnson City, Tennessee — 59 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Johnson City, Tennessee savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Johnson City, Tennessee money market rates
Tennessee Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
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
$101/yr
At TN 12-mo avg 2.382% 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 2.382%, saving 10% of the local median salary ($4,241/year) and putting it in a CD would earn an additional $101 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 Johnson City, 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 Johnson City, 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 Johnson City, 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 Johnson City, Tennessee as everywhere in the U.S.
Choosing a CD Term in Johnson City, 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 Johnson City, Tennessee savers easier access to their funds. For example, Knoxville TVA Employees Credit Union is offering its CERTIFICATE ACCOUNTS/BUSINESS CERTIFICATE ACCOUNTS 6 Months at 3.75% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Eastman Credit Union is offering its Business 4 to 5 Years at 3.75% 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 Johnson City, 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 Johnson City, 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 Johnson City, 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 Johnson City, 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 Johnson City, Tennessee
Most CDs carry a fixed rate that is locked for the entire term, protecting a Johnson City, 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 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:
- Consumer Credit Union: 4.15% APY (24 Month Term)
- Knoxville TVA Employees Credit Union: 3.75% APY (CERTIFICATE ACCOUNTS/BUSINESS CERTIFICATE ACCOUNTS 18 Months)
- Eastman Credit Union: 3.75% APY (Business 3 to 4 Years)
- Eclipse Bank: 3.50% APY (6-month CD)
- Appalachian Community Federal Credit Union: 3.50% APY (6 Month Certificate)
- Elizabethton FSB: 3.18% APY (12 Month CD)
- Beacon Financial Credit Union: 3.00% APY (Certificates 48 Months)
- Fsnb: 2.50% APY (60 Months)
- Leaders Credit Union: 4.25% APY (24-Month Certificate Special)
- ORNL: 4.25% APY (60-Month IRA PROMOTIONAL)
Rates reflect recent verified offers available in Johnson City, Tennessee. Last Updated: July 25, 2026
CD Calculators for Johnson City, Tennessee
Johnson City, Tennessee CD Calculator
At today’s TN top rate of 4.15% APY, a $10,000 deposit earns $415 in the first year. Enter your amount to see your exact return.
Johnson City, Tennessee CD LadderTN CD rates currently range from 1.945% (3-month) to 3.150% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Johnson City, Tennessee CD at 4.15% 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 2.382% 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 Johnson City, 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 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 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 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: July 25, 2026
Johnson City, Tennessee Rates & Resources
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