Memphis, Tennessee Best CD Rates October 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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.
Memphis, Tennessee CD rates range from 0.01% to 5.00% APY, verified by MonitorBankRates as of October 31, 2026. Current Memphis, Tennessee CD rates include Hope Federal Credit Union Jackson, MSHope Federal Credit Union Jackson, MS1451 Madison Ave, Memphis, TN 38104A5.0 ★Texas Ratio: 7.78%Real return: +1.25%APY minus CPIRate verified Oct 29, 2026 offering 60 Month Jumbo Share Certificates (CDs) at 4.95% APY, Financial Federal BankFinancial Federal Bank1715 Aaron Brenner Dr, Memphis, TN 38120A+5.0 ★Texas Ratio: 0.53%Real return: +0.55%APY minus CPIRate verified Oct 31, 2026 offering 24 Month CD at 4.25% APY, Firefighters First Federal Credit UnionFirefighters First Federal Credit Union5150 Stage Rd Ste 102, Memphis, TN 38134 3169A+5.0 ★Texas Ratio: 1.69%Real return: +0.40%APY minus CPIRate verified Oct 29, 2026 offering 2 Year Retirement Liquid Share Certificate at 4.10% APY, First National Bank of Eastern ArkansasFirst National Bank of Eastern Arkansas775 Ridge Lake Blvd, Memphis, TN 38120A+5.0 ★Texas Ratio: 3.75%Real return: +0.37%APY minus CPIRate verified Oct 31, 2026 offering 1 Year CD at 4.07% APY, and Memphis City Employees Credit UnionMemphis City Employees Credit Union2608 Avery Ave, Memphis, TN 38112 4821A+5.0 ★Texas Ratio: 2.01%Real return: +0.36%APY minus CPIRate verified Oct 29, 2026 offering 6 Month CD at 4.06% APY. CD rates as of October 31, 2026 according to verified data from MonitorBankRates.
Memphis has 231 local institutions in our database, with CD rates as high as 4.95% APY from Hope Federal Credit Union Jackson, MS at 1451 Madison Ave, Memphis, TN 38104. 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, so 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: October 31, 2026
Compare Best CD Rates in Memphis, Tennessee & the Surrounding Area
Memphis 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
165 Madison Ave, Memphis, TN 38103
CD - 3 Month
$0
2.94%
▲ 1.15% above Tennessee avg
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average1.79%▲ 1.15% above avgNationally 2.13%
Details
Rate History
No change since Oct 20, 2026 · 2.94% APY · checked 3 times
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
3731 Austin Peay Hwy, Memphis, TN 38128
CD - 3 Months
$0
2.18%
▲ 0.39% above Tennessee avg
▼
Rate2.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average1.79%▲ 0.39% above avgNationally 2.13%
Details
Effective Date: October 19th, 2026
Rate History
No change since Oct 19, 2026 · 2.18% APY · checked 4 times
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
775 Ridge Lake Blvd, Memphis, TN 38120
1 - 3 Month CD
$1,000
2.03%
▲ 0.24% above Tennessee avg
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average1.79%▲ 0.24% above avgNationally 2.13%
Details
Rate History
No change since Oct 3, 2026 · 2.03% APY · checked 9 times
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
3731 Austin Peay Hwy, Memphis, TN 38128
Build IT CDs - 3 Months
$100
1.64%
▼ 0.15% below Tennessee avg
▼
Rate1.64%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average1.79%▼ 0.15% below avgNationally 2.13%
Details
Balance: $100 to $999.99; Additional deposits accepted at any time; rolls into a regular CD of the same term once balance exceeds $999.99
Rate History
No change since Oct 19, 2026 · 1.64% APY · checked 3 times
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
1265 Union Ave, Memphis, TN 38104 3415
Share Certificate 3 month
$0
1.15%
▼ 0.64% below Tennessee avg
▼
Rate1.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average1.79%▼ 0.64% below avgNationally 2.13%
Details
Balance: $50,000.00 and over
Rate History
No change since Oct 23, 2026 · 1.15% APY · checked 2 times
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
1265 Union Ave, Memphis, TN 38104 3415
Share Certificate 3 month
$0
1.05%
▼ 0.74% below Tennessee avg
▼
Rate1.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average1.79%▼ 0.74% below avgNationally 2.13%
Details
Balance: $10,000 - $49,999
Rate History
No change since Oct 23, 2026 · 1.05% APY · checked 2 times
Espeeco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
2650 Thousand Oaks Blvd, Memphis, TN 38118
Term Certificates - 3 Month
$0
1.00%
▼ 0.79% below Tennessee avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average1.79%▼ 0.79% below avgNationally 2.13%
Details
Balance: $1,000.00 and up; *APR column shown as rate
Rate History
No change since Oct 23, 2026 · 1.00% APY · checked 2 times
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
1265 Union Ave, Memphis, TN 38104 3415
Share Certificate 3 month
$0
0.95%
▼ 0.84% below Tennessee avg
▼
Rate0.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average1.79%▼ 0.84% below avgNationally 2.13%
Details
Balance: $1,000.00 - $9,999.99
Rate History
No change since Oct 23, 2026 · 0.95% APY · checked 2 times
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
7974 Centennial Dr, Memphis, TN 38125 2376
3 Month Share Certificates
$0
0.65%
▼ 1.14% below Tennessee avg
▼
Rate0.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average1.79%▼ 1.14% below avgNationally 2.13%
Details
Minimum Balance: $50,000
Rate History
No change since Sep 14, 2026 · 0.65% APY · checked 7 times
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
7974 Centennial Dr, Memphis, TN 38125 2376
3 Month Share Certificates
$0
0.55%
▼ 1.24% below Tennessee avg
▼
Rate0.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average1.79%▼ 1.24% below avgNationally 2.13%
Details
Minimum Balance: $500
Rate History
No change since Sep 14, 2026 · 0.55% APY · checked 7 times
U T Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
910 Madison Ave, Memphis, TN 38103
3 Month Certificate
$1,000
0.45%
▼ 1.34% below Tennessee avg
▼
Rate0.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average1.79%▼ 1.34% below avgNationally 2.13%
Details
Balance: $1,000.00 - $9,999.99
Rate History
No change since Oct 14, 2026 · 0.45% APY · checked 4 times
U T Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
910 Madison Ave, Memphis, TN 38103
Certificate - 3 Months
$1,000
0.45%
▼ 1.34% below Tennessee avg
▼
Rate0.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average1.79%▼ 1.34% below avgNationally 2.13%
Details
Certificate Rates $1,000-$9,999 tier; APY = Annual Percentage Yield
Rate History
No change since Oct 14, 2026 · 0.45% APY · checked 4 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3611 Hacks Cross Rd, Memphis, TN 38125
3 Month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 1.73% below Tennessee avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average1.79%▼ 1.73% below avgNationally 2.13%
Details
California counties only; Balance: $0 - $4,999.99; Relationship rate; Early withdrawal penalties may apply
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 5 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3611 Hacks Cross Rd, Memphis, TN 38125
3 Month Standard Fixed Rate CD
$2,500
0.05%
▼ 1.74% below Tennessee avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average1.79%▼ 1.74% below avgNationally 2.13%
Details
California counties only; Balance: $0 - $4,999.99; Early withdrawal penalties may apply
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1895 Union Ave, Memphis, TN 38104
3 Month Personal Certificate of Deposit
$0
0.05%
▼ 1.74% below Tennessee avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average1.79%▼ 1.74% below avgNationally 2.13%
Details
Same rate for all terms 7 days - 60 months; Standard interest rates for all balances ($0.01+); Minimum opening deposit $2,500 for terms from 7 to 31 days; $1,000 for terms from 32 days to 60 months; Rates are accurate as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY · checked 3 times
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
165 Madison Ave, Memphis, TN 38103
90 Day Regular CD Account
$0
0.05%
▼ 1.74% below Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average1.79%▼ 1.74% below avgNationally 2.13%
Details
Type: Regular; Next Steps: Open Now
Rate History
No change since Oct 20, 2026 · 0.05% APY · checked 3 times
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month Certificate of Deposit
$0
4.58%
▲ 2.79% above Tennessee avg
▼
Rate4.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average1.79%▲ 2.79% above avgNationally 2.13%
Details
Balance: Up to $99,999.99; Minimum $1,000 required for all CDs; early withdrawal penalty applies if not held to maturity; Assumes no compounding, interest paid annually or at maturity
Rate History
No change since Oct 21, 2026 · 4.58% APY · checked 2 times
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
3 Month Certificate
$1,000
4.00%
▲ 2.21% above Tennessee avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average1.79%▲ 2.21% above avgNationally 2.13%
Details
Paid monthly
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 5, 20264.00%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Finworth, a division of InsBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
90 Day Certificate of Deposit
$50,000
3.95%
▲ 2.16% above Tennessee avg
▼
Rate3.89%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average1.79%▲ 2.16% above avgNationally 2.13%
Details
Maximum deposit $240,000; APY accurate as of 10-23-2026; Rates subject to change without notice
Rate History
No change since Oct 2, 2026 · 3.95% APY · checked 4 times
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
Share Certificate - 3 Months
$1,000
3.87%
▲ 2.08% above Tennessee avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average1.79%▲ 2.08% above avgNationally 2.13%
Details
Rates effective as of 01/27/2026
Rate History
No change since Oct 19, 2026 · 3.87% APY · checked 4 times
TNConnect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
3 Month Tailored Certificate
$1,000
3.75%
▲ 1.96% above Tennessee avg
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average1.79%▲ 1.96% above avgNationally 2.13%
Details
Minimum Opening Deposit and Minimum Balance to earn dividends $1000.00; IRA Certificate available
Rate History
No change since Oct 14, 2026 · 3.75% APY · checked 5 times
ORNL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
3 Month Certificate
$0
3.75%
▲ 1.96% above Tennessee avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average1.79%▲ 1.96% above avgNationally 2.13%
Details
Term: 3 months through 5 months; Balance: $500.00 - $99,999.99; Minimum balance of $500 required; Any certificate may be opened as an IRA Certificate
Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 7 times
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
3 Month Share Certificate
$0
3.68%
▲ 1.89% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average1.79%▲ 1.89% above avgNationally 2.13%
Details
Balance: $1,000 - $74,999; Effective 10/1/2026
Rate History
1 change since Sep 21, 2026 · 3.59% → 3.68% ▲ 0.09 pts · high 3.68% / low 3.59%
- Oct 9, 20263.68%▲ from 3.59%
- Sep 21, 20263.59%first recorded
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
Regular, Business and / or IRA Share Certificate - 3 Months
$1,000
3.66%
▲ 1.87% above Tennessee avg
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average1.79%▲ 1.87% above avgNationally 2.13%
Details
Rate History
No change since Oct 8, 2026 · 3.66% APY · checked 5 times
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
Share Certificate - 3 Month
$1,000
3.60%
▲ 1.81% above Tennessee avg
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average1.79%▲ 1.81% above avgNationally 2.13%
Details
Dividend credited monthly; Early withdrawal penalty: 30 days of dividends
Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 5 times
Veritas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
Certificate - 3 Months
$500
3.55%
▲ 1.76% above Tennessee avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average1.79%▲ 1.76% above avgNationally 2.13%
Details
Dividends quarterly; early withdrawals subject to penalty
Rate History
No change since Oct 15, 2026 · 3.55% APY · checked 3 times
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
3 Month Certificates of Deposit
$0
3.50%
▲ 1.71% above Tennessee avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average1.79%▲ 1.71% above avgNationally 2.13%
Details
Minimum Balance $500
Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 5 times
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
CD - 3 months
$0
3.50%
▲ 1.71% above Tennessee avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average1.79%▲ 1.71% above avgNationally 2.13%
Details
Accurate as of 09/30/2026
Rate History
No change since Oct 2, 2026 · 3.50% APY · checked 7 times
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
3 Month Certificate of Deposit
$1,000
3.29%
▲ 1.50% above Tennessee avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Tennessee Average1.79%▲ 1.50% above avgNationally 2.13%
Details
Minimum to open certificates of deposit $1,000; Penalty will be imposed for early withdrawal
Rate History
No change since Oct 8, 2026 · 3.29% APY · checked 5 times
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
3 Month IRA Certificate of Deposit
$100
3.29%
▲ 1.50% above Tennessee avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Tennessee Average1.79%▲ 1.50% above avgNationally 2.13%
Details
IRA APY; Minimum to open IRA certificates $100; Penalty will be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.29% APY · checked 3 times
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
3 Month Certificate (quarterly dividends)
$0
3.04%
▲ 1.25% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average1.79%▲ 1.25% above avgNationally 2.13%
Details
Jumbo Certificate; Balance: $100,000.00 and over
Rate History
No change since Oct 14, 2026 · 3.04% APY · checked 4 times
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
3 Month Share Certificate
$1,000
3.03%
▲ 1.24% above Tennessee avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average1.79%▲ 1.24% above avgNationally 2.13%
Details
APY is the Annual Percentage Yield; Effective Date 02/01/2026
Rate History
No change since Sep 18, 2026 · 3.03% APY · checked 6 times
Resound Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
3-Month Certificate
$0
3.00%
▲ 1.21% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average1.79%▲ 1.21% above avgNationally 2.13%
Details
Balance: $500 to $24,999
Rate History
No change since Oct 10, 2026 · 3.00% APY · checked 6 times
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
3 Month Certificate (quarterly dividends)
$0
2.99%
▲ 1.20% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average1.79%▲ 1.20% above avgNationally 2.13%
Details
Regular Certificate; Balance: $500.00 - $99,999.99
Rate History
No change since Oct 14, 2026 · 2.99% APY · checked 4 times
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
3 Month Personal CD
$0
2.78%
▲ 0.99% above Tennessee avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average1.79%▲ 0.99% above avgNationally 2.13%
Details
Term: 3 months (90 to 179 days)
Rate History
No change since Oct 14, 2026 · 2.78% APY · checked 4 times
Lawrence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
3 Month CD/IRA
$0
2.52%
▲ 0.73% above Tennessee avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average1.79%▲ 0.73% above avgNationally 2.13%
Details
$1,000 minimum balance to obtain the APY on 3 month - 5 year CDs / IRAs; A penalty applies for early withdrawal.
Rate History
No change since Oct 14, 2026 · 2.52% APY · checked 6 times
The Tennessee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
Classic Share Certificate - 3 Month
$500
2.25%
▲ 0.46% above Tennessee avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average1.79%▲ 0.46% above avgNationally 2.13%
Details
Dividends paid monthly
Rate History
No change since Oct 5, 2026 · 2.25% APY · checked 5 times
Planters Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
Time Deposits Maturing < 1 Year - 3 Month
$500
2.02%
▲ 0.23% above Tennessee avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average1.79%▲ 0.23% above avgNationally 2.13%
Details
Time Deposits Maturing < 1 Year; $500 minimum opening deposit
Rate History
No change since Oct 22, 2026 · 2.02% APY · checked 4 times
Home Federal Bank of Tennessee
Institution Rating:
A5.0 ★Texas Ratio: 12.75%
3 Month Certificate of Deposit
$500
2.00%
▲ 0.21% above Tennessee avg
▼
Rate1.98%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average1.79%▲ 0.21% above avgNationally 2.13%
Details
Penalty: 2 MO; Interest credited monthly; Effective 10/20/2026
Rate History
No change since Oct 26, 2026 · 2.00% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Month Short-Term Certificate
$0
1.55%
▼ 0.24% below Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average1.79%▼ 0.24% below avgNationally 2.13%
Details
Balance: $100K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET
Rate History
No change since Oct 20, 2026 · 1.55% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Month Short-Term Certificate
$0
1.50%
▼ 0.29% below Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average1.79%▼ 0.29% below avgNationally 2.13%
Details
Balance: $1K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET
Rate History
No change since Oct 20, 2026 · 1.50% APY · checked 3 times
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
3 Month Certificate
$0
1.25%
▼ 0.54% below Tennessee avg
▼
Rate1.24%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average1.79%▼ 0.54% below avgNationally 2.13%
Details
Rate History
No change since Sep 25, 2026 · 1.25% APY · checked 6 times
The Tennessee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
Business Share Certificates - 3 Month
$500
1.25%
▼ 0.54% below Tennessee avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average1.79%▼ 0.54% below avgNationally 2.13%
Details
Dividends Paid: Monthly
Rate History
No change since Oct 19, 2026 · 1.25% APY · checked 3 times
Collegedale Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
Term Share Certificate - 3 Months
$0
1.06%
▼ 0.73% below Tennessee avg
▼
Rate1.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average1.79%▼ 0.73% below avgNationally 2.13%
Details
Rates effective September 18, 2026
Rate History
No change since Oct 14, 2026 · 1.06% APY · checked 4 times
First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
90 Day CD
$0
0.95%
▼ 0.84% below Tennessee avg
▼
Rate0.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average1.79%▼ 0.84% below avgNationally 2.13%
Details
Available as an I.R.A. account; Certificates of Deposit subject to early withdrawal penalty
Rate History
No change since Oct 20, 2026 · 0.95% APY · checked 4 times
Community Bank Lexington, TN
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
Certificates of Deposit - 3 Month
$500
0.50%
▼ 1.29% below Tennessee avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average1.79%▼ 1.29% below avgNationally 2.13%
Details
Interest penalty for early withdrawal may apply
Rate History
No change since Oct 22, 2026 · 0.50% APY · checked 3 times
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
Certificate - 3 Month
$500
0.50%
▼ 1.29% below Tennessee avg
▼
Rate0.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average1.79%▼ 1.29% below avgNationally 2.13%
Details
Rate History
No change since Oct 12, 2026 · 0.50% APY · checked 3 times
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
90 Day Certificate
$500
0.50%
▼ 1.29% below Tennessee avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average1.79%▼ 1.29% below avgNationally 2.13%
Details
Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 7 times
Patriot Equity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.49%
Share Certificate - 3 Month
$0
0.30%
▼ 1.49% below Tennessee avg
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average1.79%▼ 1.49% below avgNationally 2.13%
Details
Computed Daily, Posted Quarterly
Rate History
No change since Oct 19, 2026 · 0.30% APY · checked 3 times
Alcoa Tenn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
Share Certificate - 3 Month
$1,000
0.25%
▼ 1.54% below Tennessee avg
▼
Rate0.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average1.79%▼ 1.54% below avgNationally 2.13%
Details
Penalty equal to 180 days' dividends for early withdrawal
Rate History
No change since Oct 15, 2026 · 0.25% APY · checked 3 times
Memphis 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
2608 Avery Ave, Memphis, TN 38112 4821
6 Month CD
$0
4.06%
▲ 1.23% above Tennessee avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.83%▲ 1.23% above avgNationally 2.79%
Details
Penalty for early withdrawal: 60 days
Rate History
No change since Oct 19, 2026 · 4.06% APY · checked 3 times
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
2608 Avery Ave, Memphis, TN 38112 4821
Certificate of Deposit - 6 months
$0
4.06%
▲ 1.23% above Tennessee avg
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.83%▲ 1.23% above avgNationally 2.79%
Details
Rates effective September 1, 2026; 60 days penalty for early withdrawal of certificate
Rate History
No change since Oct 19, 2026 · 4.06% APY · checked 3 times
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
3670 Hacks Cross Rd, Memphis, TN 38125
6 Month Share Certificate
$0
4.00%
▲ 1.17% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.83%▲ 1.17% above avgNationally 2.79%
Details
Balance: $50,000 & up; Dividends Paid Monthly
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 9 times
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
775 Ridge Lake Blvd, Memphis, TN 38120
6 Month CD
$1,000
3.80%
▲ 0.97% above Tennessee avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.83%▲ 0.97% above avgNationally 2.79%
Details
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 13 times
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
1616 Whitten Rd, Memphis, TN 38134
6 Month Share Certificate
$0
3.75%
▲ 0.92% above Tennessee avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.83%▲ 0.92% above avgNationally 2.79%
Details
Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 6 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Share Certificates - 6 Months
$0
3.75%
▲ 0.92% above Tennessee avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.83%▲ 0.92% above avgNationally 2.79%
Details
Balance: $100,000 and over
Rate History
No change since Oct 26, 2026 · 3.75% APY · checked 2 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Traditional/Roth IRA Certificate - 6 Month
$100,000
3.75%
▲ 0.92% above Tennessee avg
▼
Rate3.69%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.83%▲ 0.92% above avgNationally 2.79%
Details
Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 5 times
Kimberly Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
1520 N 2nd St, Memphis, TN 38107 1004
6 Month Share Certificate
$0
3.75%
▲ 0.92% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.83%▲ 0.92% above avgNationally 2.79%
Details
Also offered as IRA Share Certificate; Rates effective 9/30/2026 through 10/13/2026; for certificates purchased through 10/13/2026
Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Share Certificates - 6 Months
$0
3.70%
▲ 0.87% above Tennessee avg
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.83%▲ 0.87% above avgNationally 2.79%
Details
Balance: $50,000 - $99,999.99
Rate History
No change since Oct 26, 2026 · 3.70% APY · checked 2 times
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
5699 Poplar Ave, Memphis, TN 38119
6-month CD
$50,000
3.65%
▲ 0.82% above Tennessee avg
▼
RateN/A
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.83%▲ 0.82% above avgNationally 2.79%
Details
Minimum balance to open: $50,000 - $250,000 New Money; Open now (online) or Open in branch; Our highest CD rate
Rate History
No change since Sep 24, 2026 · 3.65% APY · checked 7 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Share Certificates - 6 Months
$0
3.65%
▲ 0.82% above Tennessee avg
▼
Rate3.59%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.83%▲ 0.82% above avgNationally 2.79%
Details
Balance: $1,000 - $49,999.99
Rate History
No change since Oct 26, 2026 · 3.65% APY · checked 2 times
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
6029 Walnut Grove Rd, Memphis, TN 38120
Investment Certificates - 6 Months SC
$0
3.50%
▲ 0.67% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.83%▲ 0.67% above avgNationally 2.79%
Details
Rate History
No change since Oct 12, 2026 · 3.50% APY · checked 4 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
165 Madison Ave, Memphis, TN 38103
CD - 6 Month
$0
3.20%
▲ 0.37% above Tennessee avg
▼
Rate3.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.83%▲ 0.37% above avgNationally 2.79%
Details
Rate History
No change since Oct 20, 2026 · 3.20% APY · checked 3 times
FedTrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
167 N Main St Ste 102, Memphis, TN 38103 1867
Certificate - 6 Months
$0
3.04%
▲ 0.21% above Tennessee avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.83%▲ 0.21% above avgNationally 2.79%
Details
Quarterly Paid Dividends
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 4 times
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
3155 Millbranch Rd, Memphis, TN 38116 1917
Share Certificates (CDs) - 6 Months
$0
3.00%
▲ 0.17% above Tennessee avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.83%▲ 0.17% above avgNationally 2.79%
Details
Minimum $500 balance. Early withdrawal fees apply.
Rate History
No change since Oct 19, 2026 · 3.00% APY · checked 3 times
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
3731 Austin Peay Hwy, Memphis, TN 38128
CD - 6 Months
$0
2.98%
▲ 0.15% above Tennessee avg
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▲ 0.15% above avgNationally 2.79%
Details
Effective Date: October 19th, 2026
Rate History
No change since Oct 19, 2026 · 2.98% APY · checked 4 times
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
1265 Union Ave, Memphis, TN 38104 3415
6 Month Share Certificate
$0
2.95%
▲ 0.12% above Tennessee avg
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.83%▲ 0.12% above avgNationally 2.79%
Details
Balance: $50,000.00+
Rate History
No change since Oct 13, 2026 · 2.95% APY · checked 4 times
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
1265 Union Ave, Memphis, TN 38104 3415
6 Month Share Certificate
$0
2.80%
▼ 0.03% below Tennessee avg
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.83%▼ 0.03% below avgNationally 2.79%
Details
Balance: $10,000 - $49,999
Rate History
No change since Oct 13, 2026 · 2.80% APY · checked 4 times
FedTrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
167 N Main St Ste 102, Memphis, TN 38103 1867
Certificate - 6 Months
$0
2.78%
▼ 0.05% below Tennessee avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.83%▼ 0.05% below avgNationally 2.79%
Details
Quarterly Paid Dividends
Rate History
No change since Sep 14, 2026 · 2.78% APY · checked 4 times
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
1265 Union Ave, Memphis, TN 38104 3415
6 Month Share Certificate
$0
2.55%
▼ 0.28% below Tennessee avg
▼
Rate2.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.83%▼ 0.28% below avgNationally 2.79%
Details
Balance: $1,000.00 - $9,999.99
Rate History
No change since Oct 13, 2026 · 2.55% APY · checked 4 times
UPS Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
1814 E Brooks Rd, Memphis, TN 38116
Share CD - 6 Months
$1,000
2.50%
▼ 0.33% below Tennessee avg
▼
Rate2.48%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▼ 0.33% below avgNationally 2.79%
Details
Share CDs and IRA CDs
Rate History
No change since Oct 14, 2026 · 2.50% APY · checked 4 times
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
3731 Austin Peay Hwy, Memphis, TN 38128
Build IT CDs - 6 Months
$100
1.80%
▼ 1.03% below Tennessee avg
▼
Rate1.81%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▼ 1.03% below avgNationally 2.79%
Details
Balance: $100 to $999.99; Additional deposits accepted at any time; rolls into a regular CD of the same term once balance exceeds $999.99
Rate History
No change since Oct 19, 2026 · 1.80% APY · checked 3 times
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
1265 Union Ave, Memphis, TN 38104 3415
Share Certificate 6 month
$0
1.75%
▼ 1.08% below Tennessee avg
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.83%▼ 1.08% below avgNationally 2.79%
Details
Balance: $500.00 - $999.99
Rate History
No change since Oct 23, 2026 · 1.75% APY · checked 2 times
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3601 Paul R Lowry Rd, Memphis, TN 38109 3007
Share Certificate - 6 Months
$1,000
1.40%
▼ 1.43% below Tennessee avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.83%▼ 1.43% below avgNationally 2.79%
Details
Rate History
No change since Oct 26, 2026 · 1.40% APY · checked 2 times
Espeeco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
2650 Thousand Oaks Blvd, Memphis, TN 38118
Term Certificates - 6 Month
$0
1.25%
▼ 1.58% below Tennessee avg
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.83%▼ 1.58% below avgNationally 2.79%
Details
Balance: $1,000.00 and up; *APR column shown as rate
Rate History
No change since Oct 23, 2026 · 1.25% APY · checked 2 times
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
7974 Centennial Dr, Memphis, TN 38125 2376
6 Month Share Certificates
$0
1.20%
▼ 1.63% below Tennessee avg
▼
Rate1.19%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.83%▼ 1.63% below avgNationally 2.79%
Details
Minimum Balance: $50,000
Rate History
No change since Sep 14, 2026 · 1.20% APY · checked 7 times
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
7974 Centennial Dr, Memphis, TN 38125 2376
6 Month Share Certificates
$0
1.10%
▼ 1.73% below Tennessee avg
▼
Rate1.09%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.83%▼ 1.73% below avgNationally 2.79%
Details
Minimum Balance: $500
Rate History
No change since Sep 14, 2026 · 1.10% APY · checked 7 times
U T Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
910 Madison Ave, Memphis, TN 38103
6 Month Certificate
$1,000
0.60%
▼ 2.23% below Tennessee avg
▼
Rate0.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▼ 2.23% below avgNationally 2.79%
Details
Balance: $1,000.00 - $9,999.99
Rate History
No change since Oct 14, 2026 · 0.60% APY · checked 4 times
U T Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
910 Madison Ave, Memphis, TN 38103
Certificate - 6 Months
$1,000
0.60%
▼ 2.23% below Tennessee avg
▼
Rate0.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▼ 2.23% below avgNationally 2.79%
Details
Certificate Rates $1,000-$9,999 tier; APY = Annual Percentage Yield
Rate History
No change since Oct 14, 2026 · 0.60% APY · checked 4 times
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
165 Madison Ave, Memphis, TN 38103
180 Day Regular CD Account
$0
0.10%
▼ 2.73% below Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.83%▼ 2.73% below avgNationally 2.79%
Details
Type: Regular; Next Steps: Open Now
Rate History
No change since Oct 20, 2026 · 0.10% APY · checked 3 times
Kennedy VA Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1030 Jefferson Ave, Memphis, TN 38104
6 Month Term Account
$5,000
0.07%
▼ 2.76% below Tennessee avg
▼
Rate0.07%
Min Deposit$5,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.83%▼ 2.76% below avgNationally 2.79%
Details
Early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 0.08% APY · checked 5 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3611 Hacks Cross Rd, Memphis, TN 38125
6 Month Standard Fixed Rate CD - Relationship
$2,500
0.06%
▼ 2.77% below Tennessee avg
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.83%▼ 2.77% below avgNationally 2.79%
Details
California counties only; Balance: $0 - $4,999.99; Relationship rate; Early withdrawal penalties may apply
Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 5 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3611 Hacks Cross Rd, Memphis, TN 38125
6 Month Standard Fixed Rate CD
$2,500
0.05%
▼ 2.78% below Tennessee avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.83%▼ 2.78% below avgNationally 2.79%
Details
California counties only; Balance: $0 - $4,999.99; Early withdrawal penalties may apply
Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 5 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1895 Union Ave, Memphis, TN 38104
6 Month Personal Certificate of Deposit
$0
0.05%
▼ 2.78% below Tennessee avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.83%▼ 2.78% below avgNationally 2.79%
Details
Same rate for all terms 7 days - 60 months; Standard interest rates for all balances ($0.01+); Minimum opening deposit $2,500 for terms from 7 to 31 days; $1,000 for terms from 32 days to 60 months; Rates are accurate as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY · checked 3 times
Kennedy VA Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1030 Jefferson Ave, Memphis, TN 38104
6 Month Term Account
$1,000
0.05%
▼ 2.78% below Tennessee avg
▼
Rate0.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.83%▼ 2.78% below avgNationally 2.79%
Details
Early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 times
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
6 Month Business Share Certificate PROMO
$50,000
4.75%
▲ 1.92% above Tennessee avg
▼
Rate4.65%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.83%▲ 1.92% above avgNationally 2.79%
Details
Promo rate; 25% of opening deposit must be new money; penalties apply for early withdrawal; converts to regular certificate at maturity unless changed during 7-day grace period
Rate History
No change since Oct 15, 2026 · 4.75% APY · checked 3 times
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
6 Month Share Certificates PROMO
$0
4.75%
▲ 1.92% above Tennessee avg
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.83%▲ 1.92% above avgNationally 2.79%
Details
PROMO: 6, 12, or 18 Months
Rate History
No change since Oct 23, 2026 · 4.75% APY · checked 2 times
Collegedale Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
Term Share Certificate - 6 Months
$0
4.33%
▲ 1.50% above Tennessee avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▲ 1.50% above avgNationally 2.79%
Details
Rates effective September 18, 2026
Rate History
No change since Oct 14, 2026 · 4.33% APY · checked 4 times
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month Certificate of Deposit
$0
4.30%
▲ 1.47% above Tennessee avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.83%▲ 1.47% above avgNationally 2.79%
Details
Balance: Up to $99,999.99; Minimum $1,000 required for all CDs; early withdrawal penalty applies if not held to maturity; Assumes no compounding, interest paid annually or at maturity
Rate History
No change since Oct 21, 2026 · 4.30% APY · checked 2 times
SouthEast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
6-Month CD Special
$1,000
4.26%
▲ 1.43% above Tennessee avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.83%▲ 1.43% above avgNationally 2.79%
Details
Interest compounded and credited quarterly; Open Online; Promotional rate applies only to the initial term and will not apply when the CD renews; Rates accurate as of 10/30/26
Rate History
2 changes since Sep 14, 2026 · 3.90% → 4.26% ▲ 0.36 pts · high 4.26% / low 3.90%
- Oct 31, 20264.26%▲ from 4.05%
- Sep 24, 20264.05%▲ from 3.90%
- Sep 14, 20263.90%first recorded
Finworth, a division of InsBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
6 Month Certificate of Deposit
$50,000
4.25%
▲ 1.42% above Tennessee avg
▼
Rate4.21%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▲ 1.42% above avgNationally 2.79%
Details
Maximum deposit $240,000; APY accurate as of 10-23-2026; Rates subject to change without notice
Rate History
1 change since Oct 2, 2026 · 4.15% → 4.25% ▲ 0.10 pts · high 4.25% / low 4.15%
- Oct 26, 20264.25%▲ from 4.15%
- Oct 2, 20264.15%first recorded
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Special 6-Month Fixed Rate CD
$10,000
4.23%
▲ 1.40% above Tennessee avg
▼
Rate4.15%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.83%▲ 1.40% above avgNationally 2.79%
Details
New money deposits required; $10,000 minimum opening deposit
Rate History
1 change since Oct 14, 2026 · 4.00% → 4.23% ▲ 0.23 pts · high 4.23% / low 4.00%
- Oct 20, 20264.23%▲ from 4.00%
- Oct 14, 20264.00%first recorded
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Share Certificate - 6 Months
$1,000
4.15%
▲ 1.32% above Tennessee avg
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.83%▲ 1.32% above avgNationally 2.79%
Details
Dividend Rate; $1,000 minimum opening deposit required; early withdrawal penalty applies
Rate History
1 change since Oct 4, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90%
- Oct 8, 20264.15%▲ from 3.90%
- Oct 4, 20263.90%first recorded
Community Bank Lexington, TN
Institution Rating:
A+5.0 ★Texas Ratio: 5.60%
Certificates of Deposit - 6 Month
$500
4.08%
▲ 1.25% above Tennessee avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.83%▲ 1.25% above avgNationally 2.79%
Details
Interest penalty for early withdrawal may apply
Rate History
No change since Oct 22, 2026 · 4.08% APY · checked 3 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificate of Deposit - 6 Month
$1,000
4.00%
▲ 1.17% above Tennessee avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Tennessee Average2.83%▲ 1.17% above avgNationally 2.79%
Details
Partial withdrawals allowed; APY as of 10/20/2026
Rate History
No change since Oct 21, 2026 · 4.00% APY · checked 3 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 6 Month
$1,000
4.00%
▲ 1.17% above Tennessee avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Tennessee Average2.83%▲ 1.17% above avgNationally 2.79%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 21, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts - 6-Month
$1,000
4.00%
▲ 1.17% above Tennessee avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Tennessee Average2.83%▲ 1.17% above avgNationally 2.79%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
- Oct 7, 20264.00%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA Certificate - 6-Month
$1,000
4.00%
▲ 1.17% above Tennessee avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Tennessee Average2.83%▲ 1.17% above avgNationally 2.79%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 21, 2026 · 4.00% APY · checked 3 times
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
Certificate - 6 Month
$500
4.00%
▲ 1.17% above Tennessee avg
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.83%▲ 1.17% above avgNationally 2.79%
Details
Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 3 times
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
6 Month Certificate
$1,000
4.00%
▲ 1.17% above Tennessee avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.83%▲ 1.17% above avgNationally 2.79%
Details
Paid monthly
Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 5, 20264.00%▲ from 3.50%
- Sep 14, 20263.50%first recorded
Memphis 12 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1451 Madison Ave, Memphis, TN 38104
12 Month Jumbo Share Certificates (CDs)
$1,000
4.53%
▲ 1.39% above Tennessee avg
▼
Rate4.43%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.14%▲ 1.39% above avgNationally 3.01%
Details
Jumbo rate; standard jumbo rates available on deposits of $95,000 or more
Rate History
No change since Oct 26, 2026 · 4.53% APY · checked 2 times
Financial Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
1715 Aaron Brenner Dr, Memphis, TN 38120
12 Month CD
$0
4.20%
▲ 1.06% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average3.14%▲ 1.06% above avgNationally 3.01%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
- Oct 2, 20264.20%▲ from 4.00%
- Sep 14, 20264.00%first recorded
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
775 Ridge Lake Blvd, Memphis, TN 38120
1 Year CD
$1,000
4.07%
▲ 0.93% above Tennessee avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average3.14%▲ 0.93% above avgNationally 3.01%
Details
Rate History
1 change since Sep 14, 2026 · 3.29% → 4.07% ▲ 0.78 pts · high 4.07% / low 3.29%
- Oct 3, 20264.07%▲ from 3.29%
- Sep 14, 20263.29%first recorded
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
3670 Hacks Cross Rd, Memphis, TN 38125
12 Month Share Certificate
$0
4.00%
▲ 0.86% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.14%▲ 0.86% above avgNationally 3.01%
Details
Balance: $50,000 & up; Dividends Paid Monthly
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 9 times
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
3670 Hacks Cross Rd, Memphis, TN 38125
12 Month Youth Share Certificates
$0
4.00%
▲ 0.86% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.14%▲ 0.86% above avgNationally 3.01%
Details
Balance: Under $10,000; APY shown as 4.00% + Youth Bonus (bonus amount not stated)
Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 5 times
Kimberly Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
1520 N 2nd St, Memphis, TN 38107 1004
12 Month Share Certificate
$0
3.95%
▲ 0.81% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.14%▲ 0.81% above avgNationally 3.01%
Details
Also offered as IRA Share Certificate; Rates effective 9/30/2026 through 10/13/2026; for certificates purchased through 10/13/2026
Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 8 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
1 Year Retirement Liquid Share Certificate
$0
3.91%
▲ 0.77% above Tennessee avg
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.14%▲ 0.77% above avgNationally 3.01%
Details
Balance: $10,000.00 - $49,999.99
Rate History
No change since Oct 26, 2026 · 3.91% APY · checked 2 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Retirement Liquid Share Certificate - 1 Year
$0
3.91%
▲ 0.77% above Tennessee avg
▼
Rate3.84%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.14%▲ 0.77% above avgNationally 3.01%
Details
Balance: $50,000.00 - $99,999.99
Rate History
No change since Oct 26, 2026 · 3.91% APY · checked 2 times
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
2608 Avery Ave, Memphis, TN 38112 4821
12 Month CD
$0
3.85%
▲ 0.71% above Tennessee avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.14%▲ 0.71% above avgNationally 3.01%
Details
Penalty for early withdrawal: 60 days
Rate History
No change since Oct 19, 2026 · 3.85% APY · checked 3 times
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
2608 Avery Ave, Memphis, TN 38112 4821
Certificate of Deposit - 12 months
$0
3.85%
▲ 0.71% above Tennessee avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.14%▲ 0.71% above avgNationally 3.01%
Details
Rates effective September 1, 2026; 60 days penalty for early withdrawal of certificate
Rate History
No change since Oct 19, 2026 · 3.85% APY · checked 3 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
1 Year Rookie Share Certificate
$0
3.80%
▲ 0.66% above Tennessee avg
▼
Rate3.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.14%▲ 0.66% above avgNationally 3.01%
Details
Balance: $250 - $2,500; Maximum Balance: $2,500
Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 12 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Traditional/Roth IRA Certificate - 12 Month
$100,000
3.80%
▲ 0.66% above Tennessee avg
▼
Rate3.74%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.14%▲ 0.66% above avgNationally 3.01%
Details
Rate History
No change since Oct 9, 2026 · 3.80% APY · checked 5 times
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3601 Paul R Lowry Rd, Memphis, TN 38109 3007
12 Month Share Certificate
$1,000
3.60%
▲ 0.46% above Tennessee avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.14%▲ 0.46% above avgNationally 3.01%
Details
Minimum certificate deposit: $1,000
Rate History
1 change since Oct 19, 2026 · 3.40% → 3.60% ▲ 0.20 pts · high 3.60% / low 3.40%
- Oct 29, 20263.60%▲ from 3.40%
- Oct 19, 20263.40%first recorded
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
3601 Paul R Lowry Rd, Memphis, TN 38109 3007
Share Certificate - 12 Months
$1,000
3.60%
▲ 0.46% above Tennessee avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.14%▲ 0.46% above avgNationally 3.01%
Details
Rate History
1 change since Oct 26, 2026 · 3.40% → 3.60% ▲ 0.20 pts · high 3.60% / low 3.40%
- Oct 29, 20263.60%▲ from 3.40%
- Oct 26, 20263.40%first recorded
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
1616 Whitten Rd, Memphis, TN 38134
IRA Certificate 12 Months
$0
3.55%
▲ 0.41% above Tennessee avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average3.14%▲ 0.41% above avgNationally 3.01%
Details
Penalty for early withdrawal: 90 days dividend
Rate History
No change since Oct 12, 2026 · 3.55% APY · checked 4 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
165 Madison Ave, Memphis, TN 38103
CD - 12 Month
$0
3.51%
▲ 0.37% above Tennessee avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average3.14%▲ 0.37% above avgNationally 3.01%
Details
Rate History
No change since Oct 20, 2026 · 3.51% APY · checked 3 times
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
775 Ridge Lake Blvd, Memphis, TN 38120
12 Month IRA Fixed
$100
3.50%
▲ 0.36% above Tennessee avg
▼
Rate3.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average3.14%▲ 0.36% above avgNationally 3.01%
Details
APY based on interest paid quarterly
Rate History
1 change since Sep 14, 2026 · 3.29% → 3.50% ▲ 0.21 pts · high 3.50% / low 3.29%
- Oct 7, 20263.50%▲ from 3.29%
- Sep 14, 20263.29%first recorded
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
775 Ridge Lake Blvd, Memphis, TN 38120
12 Month IRA Variable
$100
3.50%
▲ 0.36% above Tennessee avg
▼
Rate3.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average3.14%▲ 0.36% above avgNationally 3.01%
Details
Rate History
1 change since Sep 14, 2026 · 3.29% → 3.50% ▲ 0.21 pts · high 3.50% / low 3.29%
- Oct 7, 20263.50%▲ from 3.29%
- Sep 14, 20263.29%first recorded
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
1616 Whitten Rd, Memphis, TN 38134
12 Month Share Certificate
$0
3.50%
▲ 0.36% above Tennessee avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average3.14%▲ 0.36% above avgNationally 3.01%
Details
Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 6 times
UPS Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
1814 E Brooks Rd, Memphis, TN 38116
Share CD - 12 Months
$1,000
3.50%
▲ 0.36% above Tennessee avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.14%▲ 0.36% above avgNationally 3.01%
Details
Share CDs and IRA CDs; source rate '3.4.55%' is malformed, so rate not stored
Rate History
No change since Oct 14, 2026 · 3.50% APY · checked 3 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1895 Union Ave, Memphis, TN 38104
CD 12 Month
$0
3.25%
▲ 0.11% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average3.14%▲ 0.11% above avgNationally 3.01%
Details
Balance: $100,000 and above; special rate on select new CD accounts
Rate History
No change since Oct 20, 2026 · 3.25% APY · checked 3 times
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
6029 Walnut Grove Rd, Memphis, TN 38120
Investment Certificates - 12 Months IRA SC
$0
3.25%
▲ 0.11% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.14%▲ 0.11% above avgNationally 3.01%
Details
IRA
Rate History
No change since Oct 12, 2026 · 3.25% APY · checked 4 times
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
6029 Walnut Grove Rd, Memphis, TN 38120
Investment Certificates - 12 Months SC
$0
3.25%
▲ 0.11% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.14%▲ 0.11% above avgNationally 3.01%
Details
Rate History
No change since Oct 12, 2026 · 3.25% APY · checked 4 times
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
1265 Union Ave, Memphis, TN 38104 3415
12 Month IRA Share Certificate
$0
3.20%
▲ 0.06% above Tennessee avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.14%▲ 0.06% above avgNationally 3.01%
Details
Balance: $50,000.00+
Rate History
No change since Oct 23, 2026 · 3.20% APY · checked 2 times
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
1265 Union Ave, Memphis, TN 38104 3415
12 Month Share Certificate
$0
3.20%
▲ 0.06% above Tennessee avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.14%▲ 0.06% above avgNationally 3.01%
Details
Balance: $50,000.00+
Rate History
No change since Oct 13, 2026 · 3.20% APY · checked 4 times
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
1265 Union Ave, Memphis, TN 38104 3415
12 Month IRA Share Certificate
$0
3.05%
▼ 0.09% below Tennessee avg
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.14%▼ 0.09% below avgNationally 3.01%
Details
Balance: $10,000.00 - $49,999.99
Rate History
No change since Oct 23, 2026 · 3.05% APY · checked 2 times
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
1265 Union Ave, Memphis, TN 38104 3415
12 Month Share Certificate
$0
3.05%
▼ 0.09% below Tennessee avg
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.14%▼ 0.09% below avgNationally 3.01%
Details
Balance: $10,000 - $49,999
Rate History
No change since Oct 13, 2026 · 3.05% APY · checked 4 times
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1451 Madison Ave, Memphis, TN 38104
12 Month Share Certificates (CDs)
$1,000
3.04%
▼ 0.10% below Tennessee avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.14%▼ 0.10% below avgNationally 3.01%
Details
Rate History
No change since Sep 18, 2026 · 3.05% APY · checked 6 times
FedTrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
167 N Main St Ste 102, Memphis, TN 38103 1867
Certificate - 1 Year
$0
3.04%
▼ 0.10% below Tennessee avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.14%▼ 0.10% below avgNationally 3.01%
Details
Quarterly Paid Dividends
Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 4 times
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
3731 Austin Peay Hwy, Memphis, TN 38128
CD - 12 Months
$0
3.03%
▼ 0.11% below Tennessee avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.14%▼ 0.11% below avgNationally 3.01%
Details
Effective Date: October 19th, 2026
Rate History
No change since Oct 19, 2026 · 3.03% APY · checked 4 times
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
1265 Union Ave, Memphis, TN 38104 3415
12 Month IRA Share Certificate
$0
2.80%
▼ 0.34% below Tennessee avg
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.14%▼ 0.34% below avgNationally 3.01%
Details
Balance: $2,000.00 - $9,999.99
Rate History
No change since Oct 23, 2026 · 2.80% APY · checked 2 times
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
1265 Union Ave, Memphis, TN 38104 3415
12 Month Share Certificate
$0
2.80%
▼ 0.34% below Tennessee avg
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.14%▼ 0.34% below avgNationally 3.01%
Details
Balance: $1,000.00 - $9,999.99
Rate History
No change since Oct 13, 2026 · 2.80% APY · checked 4 times
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
3155 Millbranch Rd, Memphis, TN 38116 1917
12 Month IRA Certificates
$0
2.75%
▼ 0.39% below Tennessee avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.14%▼ 0.39% below avgNationally 3.01%
Details
Minimum $500 balance; Early withdrawal fees apply
Rate History
No change since Oct 26, 2026 · 2.75% APY · checked 2 times
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
3155 Millbranch Rd, Memphis, TN 38116 1917
Share Certificates (CDs) - 12 Months
$0
2.75%
▼ 0.39% below Tennessee avg
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.14%▼ 0.39% below avgNationally 3.01%
Details
Minimum $500 balance. Early withdrawal fees apply.
Rate History
No change since Oct 19, 2026 · 2.75% APY · checked 3 times
FedTrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
167 N Main St Ste 102, Memphis, TN 38103 1867
Certificate/IRA - 1 Year
$0
2.52%
▼ 0.62% below Tennessee avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.14%▼ 0.62% below avgNationally 3.01%
Details
Quarterly Paid Dividends
Rate History
No change since Sep 14, 2026 · 2.52% APY · checked 4 times
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
3950 Austin Peay Hwy, Memphis, TN 38128
Certificate of Deposit (CDs) - 12 Months
$500
2.00%
▼ 1.14% below Tennessee avg
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Tennessee Average3.14%▼ 1.14% below avgNationally 3.01%
Details
Minimum balance to obtain APY: $500.00
Rate History
No change since Oct 21, 2026 · 2.00% APY · checked 2 times
U T Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
910 Madison Ave, Memphis, TN 38103
Certificate - 12 Month Add-On
$100
2.00%
▼ 1.14% below Tennessee avg
▼
Rate1.98%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.14%▼ 1.14% below avgNationally 3.01%
Details
Add-On Certificate; $100 minimum balance to open; dividends paid quarterly; minimum add-on deposit $25 after opening
Rate History
No change since Oct 14, 2026 · 2.00% APY · checked 4 times
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
7974 Centennial Dr, Memphis, TN 38125 2376
12 Month Share Certificates
$0
1.80%
▼ 1.34% below Tennessee avg
▼
Rate1.79%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average3.14%▼ 1.34% below avgNationally 3.01%
Details
Minimum Balance: $50,000
Rate History
No change since Sep 14, 2026 · 1.80% APY · checked 7 times
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
7974 Centennial Dr, Memphis, TN 38125 2376
12 Month Share Certificates
$0
1.70%
▼ 1.44% below Tennessee avg
▼
Rate1.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average3.14%▼ 1.44% below avgNationally 3.01%
Details
Minimum Balance: $500
Rate History
No change since Sep 14, 2026 · 1.70% APY · checked 7 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3611 Hacks Cross Rd, Memphis, TN 38125
1 Year Standard Fixed Rate CD - Relationship
$2,500
1.51%
▼ 1.63% below Tennessee avg
▼
Rate1.50%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average3.14%▼ 1.63% below avgNationally 3.01%
Details
California counties only; Balance: $0 - $4,999.99; Relationship rate; Early withdrawal penalties may apply
Rate History
No change since Sep 27, 2026 · 1.51% APY · checked 5 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3611 Hacks Cross Rd, Memphis, TN 38125
1 Year Standard Fixed Rate CD
$2,500
1.50%
▼ 1.64% below Tennessee avg
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average3.14%▼ 1.64% below avgNationally 3.01%
Details
California counties only; Balance: $0 - $4,999.99; Early withdrawal penalties may apply
Rate History
No change since Sep 27, 2026 · 1.50% APY · checked 5 times
Espeeco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
2650 Thousand Oaks Blvd, Memphis, TN 38118
Term Certificates - 12 Month
$0
1.50%
▼ 1.64% below Tennessee avg
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average3.14%▼ 1.64% below avgNationally 3.01%
Details
Balance: $1,000.00 and up; *APR column shown as rate
Rate History
No change since Oct 23, 2026 · 1.50% APY · checked 2 times
U T Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
910 Madison Ave, Memphis, TN 38103
12 Month Certificate
$1,000
1.50%
▼ 1.64% below Tennessee avg
▼
Rate1.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.14%▼ 1.64% below avgNationally 3.01%
Details
Balance: $1,000.00 - $9,999.99
Rate History
No change since Sep 22, 2026 · 1.50% APY · checked 7 times
U T Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
910 Madison Ave, Memphis, TN 38103
Certificate - 12 Months
$1,000
1.50%
▼ 1.64% below Tennessee avg
▼
Rate1.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.14%▼ 1.64% below avgNationally 3.01%
Details
Certificate Rates $1,000-$9,999 tier; APY = Annual Percentage Yield
Rate History
No change since Oct 14, 2026 · 1.50% APY · checked 4 times
Kennedy VA Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1030 Jefferson Ave, Memphis, TN 38104
12 Month Term Account
$1,500
1.00%
▼ 2.14% below Tennessee avg
▼
Rate1.00%
Min Deposit$1,500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average3.14%▼ 2.14% below avgNationally 3.01%
Details
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 5 times
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
165 Madison Ave, Memphis, TN 38103
12 Month Regular CD Account
$0
0.10%
▼ 3.04% below Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average3.14%▼ 3.04% below avgNationally 3.01%
Details
Type: Regular; Next Steps: Open Now
Rate History
No change since Oct 20, 2026 · 0.10% APY · checked 3 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1895 Union Ave, Memphis, TN 38104
12 Month Personal Certificate of Deposit
$0
0.05%
▼ 3.09% below Tennessee avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average3.14%▼ 3.09% below avgNationally 3.01%
Details
Same rate for all terms 7 days - 60 months; Standard interest rates for all balances ($0.01+); Minimum opening deposit $2,500 for terms from 7 to 31 days; $1,000 for terms from 32 days to 60 months; Rates are accurate as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY · checked 3 times
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
12 Month Certificate Account
$0
5.00%
▲ 1.86% above Tennessee avg
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.14%▲ 1.86% above avgNationally 3.01%
Details
Dividend Compound: Monthly; 0.25% new money/direct deposit addition not applicable
Rate History
1 change since Oct 14, 2026 · 4.00% → 5.00% ▲ 1.00 pts · high 5.00% / low 4.00%
- Oct 19, 20265.00%▲ from 4.00%
- Oct 14, 20264.00%first recorded
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
12 Month IRA Certificate Account
$0
5.00%
▲ 1.86% above Tennessee avg
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.14%▲ 1.86% above avgNationally 3.01%
Details
Dividend Compound: Monthly; 0.25% direct deposit/new money addition not applicable to this certificate
Rate History
1 change since Oct 14, 2026 · 4.00% → 5.00% ▲ 1.00 pts · high 5.00% / low 4.00%
- Oct 19, 20265.00%▲ from 4.00%
- Oct 14, 20264.00%first recorded
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Business Certificate Accounts - 12 Month Certificate Account
$0
5.00%
▲ 1.86% above Tennessee avg
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.14%▲ 1.86% above avgNationally 3.01%
Details
Dividend Compound: Monthly; 0.25% direct deposit/new money addition not applicable
Rate History
1 change since Oct 14, 2026 · 4.00% → 5.00% ▲ 1.00 pts · high 5.00% / low 4.00%
- Oct 19, 20265.00%▲ from 4.00%
- Oct 14, 20264.00%first recorded
Memphis 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Traditional/Roth IRA Certificate - 18 Month
$100,000
4.00%
▲ 1.08% above Tennessee avg
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.92%▲ 1.08% above avgNationally 2.91%
Details
Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 5 times
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
775 Ridge Lake Blvd, Memphis, TN 38120
18 Month IRA Fixed
$100
3.50%
▲ 0.58% above Tennessee avg
▼
Rate3.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.92%▲ 0.58% above avgNationally 2.91%
Details
APY based on interest paid quarterly
Rate History
1 change since Sep 14, 2026 · 3.29% → 3.50% ▲ 0.21 pts · high 3.50% / low 3.29%
- Oct 7, 20263.50%▲ from 3.29%
- Sep 14, 20263.29%first recorded
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
3155 Millbranch Rd, Memphis, TN 38116 1917
Share Certificates (CDs) - 18 Months
$0
3.50%
▲ 0.58% above Tennessee avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.92%▲ 0.58% above avgNationally 2.91%
Details
Minimum $500 balance. Early withdrawal fees apply.
Rate History
No change since Oct 19, 2026 · 3.50% APY · checked 3 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
165 Madison Ave, Memphis, TN 38103
CD - 18 Month
$0
3.46%
▲ 0.54% above Tennessee avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.92%▲ 0.54% above avgNationally 2.91%
Details
Rate History
No change since Oct 20, 2026 · 3.46% APY · checked 3 times
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
775 Ridge Lake Blvd, Memphis, TN 38120
18 Month CD
$1,000
3.30%
▲ 0.38% above Tennessee avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.92%▲ 0.38% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.03% → 3.30% ▲ 0.27 pts · high 3.30% / low 3.03%
- Oct 3, 20263.30%▲ from 3.03%
- Sep 14, 20263.03%first recorded
UPS Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
1814 E Brooks Rd, Memphis, TN 38116
Share CD - 18 Months
$1,000
3.00%
▲ 0.08% above Tennessee avg
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.92%▲ 0.08% above avgNationally 2.91%
Details
Share CDs and IRA CDs
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 4 times
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1451 Madison Ave, Memphis, TN 38104
IRA 18-Month Certificate
$0
2.87%
▼ 0.05% below Tennessee avg
▼
Rate2.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.92%▼ 0.05% below avgNationally 2.91%
Details
Individual Retirement Accounts; Rates as of 10/1/26
Rate History
1 change since Sep 14, 2026 · 2.55% → 2.87% ▲ 0.32 pts · high 2.87% / low 2.55%
- Oct 9, 20262.87%▲ from 2.55%
- Sep 14, 20262.55%first recorded
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
1265 Union Ave, Memphis, TN 38104 3415
18 Month IRA Share Certificate
$0
2.75%
▼ 0.17% below Tennessee avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.92%▼ 0.17% below avgNationally 2.91%
Details
Balance: $50,000.00+
Rate History
No change since Oct 23, 2026 · 2.75% APY · checked 2 times
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
1265 Union Ave, Memphis, TN 38104 3415
18 Month Share Certificate
$0
2.75%
▼ 0.17% below Tennessee avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.92%▼ 0.17% below avgNationally 2.91%
Details
Balance: $50,000.00+
Rate History
No change since Oct 13, 2026 · 2.75% APY · checked 4 times
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
1265 Union Ave, Memphis, TN 38104 3415
18 Month IRA Share Certificate
$0
2.55%
▼ 0.37% below Tennessee avg
▼
Rate2.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.92%▼ 0.37% below avgNationally 2.91%
Details
Balance: $10,000.00 - $49,999.99
Rate History
No change since Oct 23, 2026 · 2.55% APY · checked 2 times
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
1265 Union Ave, Memphis, TN 38104 3415
18 Month Share Certificate
$0
2.55%
▼ 0.37% below Tennessee avg
▼
Rate2.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.92%▼ 0.37% below avgNationally 2.91%
Details
Balance: $10,000 - $49,999
Rate History
No change since Oct 13, 2026 · 2.55% APY · checked 4 times
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
6029 Walnut Grove Rd, Memphis, TN 38120
Investment Certificates - 18 Months SC
$0
2.50%
▼ 0.42% below Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.92%▼ 0.42% below avgNationally 2.91%
Details
Rate History
No change since Oct 12, 2026 · 2.50% APY · checked 4 times
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
3731 Austin Peay Hwy, Memphis, TN 38128
CD - 18 Months
$0
2.50%
▼ 0.42% below Tennessee avg
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.92%▼ 0.42% below avgNationally 2.91%
Details
Effective Date: October 19th, 2026
Rate History
No change since Oct 19, 2026 · 2.50% APY · checked 4 times
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
1265 Union Ave, Memphis, TN 38104 3415
18 Month IRA Share Certificate
$0
2.35%
▼ 0.57% below Tennessee avg
▼
Rate2.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.92%▼ 0.57% below avgNationally 2.91%
Details
Balance: $2,000.00 - $9,999.99
Rate History
No change since Oct 23, 2026 · 2.35% APY · checked 2 times
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
1265 Union Ave, Memphis, TN 38104 3415
18 Month Share Certificate
$0
2.35%
▼ 0.57% below Tennessee avg
▼
Rate2.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.92%▼ 0.57% below avgNationally 2.91%
Details
Balance: $1,000.00 - $9,999.99
Rate History
No change since Oct 13, 2026 · 2.35% APY · checked 4 times
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
3950 Austin Peay Hwy, Memphis, TN 38128
Certificate of Deposit (CDs) - 18 Months
$500
2.00%
▼ 0.92% below Tennessee avg
▼
Rate2.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Tennessee Average2.92%▼ 0.92% below avgNationally 2.91%
Details
Minimum balance to obtain APY: $500.00
Rate History
No change since Oct 21, 2026 · 2.00% APY · checked 2 times
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
7974 Centennial Dr, Memphis, TN 38125 2376
18 Month Share Certificates
$0
1.87%
▼ 1.05% below Tennessee avg
▼
Rate1.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.92%▼ 1.05% below avgNationally 2.91%
Details
Minimum Balance: $50,000
Rate History
No change since Sep 14, 2026 · 1.87% APY · checked 7 times
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
7974 Centennial Dr, Memphis, TN 38125 2376
18 Month Share Certificates
$0
1.77%
▼ 1.15% below Tennessee avg
▼
Rate1.76%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.92%▼ 1.15% below avgNationally 2.91%
Details
Minimum Balance: $500
Rate History
No change since Sep 14, 2026 · 1.77% APY · checked 7 times
Espeeco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
2650 Thousand Oaks Blvd, Memphis, TN 38118
Term Certificates - 18 Month
$0
1.75%
▼ 1.17% below Tennessee avg
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.92%▼ 1.17% below avgNationally 2.91%
Details
Balance: $1,000.00 and up; *APR column shown as rate
Rate History
No change since Oct 23, 2026 · 1.75% APY · checked 2 times
U T Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
910 Madison Ave, Memphis, TN 38103
18 Month Certificate
$1,000
1.55%
▼ 1.37% below Tennessee avg
▼
Rate1.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.92%▼ 1.37% below avgNationally 2.91%
Details
Balance: $1,000.00 - $9,999.99
Rate History
No change since Sep 22, 2026 · 1.55% APY · checked 7 times
U T Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
910 Madison Ave, Memphis, TN 38103
18 Month Educational IRA Certificate
$100
1.55%
▼ 1.37% below Tennessee avg
▼
Rate1.54%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.92%▼ 1.37% below avgNationally 2.91%
Details
Educational IRA; $100 minimum and $2,000 maximum
Rate History
No change since Sep 18, 2026 · 1.55% APY · checked 5 times
U T Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
910 Madison Ave, Memphis, TN 38103
Certificate - 18 Months
$1,000
1.55%
▼ 1.37% below Tennessee avg
▼
Rate1.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.92%▼ 1.37% below avgNationally 2.91%
Details
Certificate Rates $1,000-$9,999 tier; APY = Annual Percentage Yield
Rate History
No change since Oct 14, 2026 · 1.55% APY · checked 4 times
U T Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
910 Madison Ave, Memphis, TN 38103
Educational IRA Certificate - 18 Months
$0
1.55%
▼ 1.37% below Tennessee avg
▼
Rate1.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.92%▼ 1.37% below avgNationally 2.91%
Details
Educational IRA; $100 minimum and $2,000 maximum
Rate History
No change since Oct 19, 2026 · 1.55% APY · checked 3 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1895 Union Ave, Memphis, TN 38104
18 Month Personal Certificate of Deposit
$0
0.05%
▼ 2.87% below Tennessee avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.92%▼ 2.87% below avgNationally 2.91%
Details
Same rate for all terms 7 days - 60 months; Standard interest rates for all balances ($0.01+); Minimum opening deposit $2,500 for terms from 7 to 31 days; $1,000 for terms from 32 days to 60 months; Rates are accurate as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY · checked 3 times
Kennedy VA Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1030 Jefferson Ave, Memphis, TN 38104
18 Month IRA
$2,500
0.05%
▼ 2.87% below Tennessee avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.92%▼ 2.87% below avgNationally 2.91%
Details
Early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 times
Kennedy VA Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.95%
1030 Jefferson Ave, Memphis, TN 38104
18 Month Term Account
$2,500
0.05%
▼ 2.87% below Tennessee avg
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.92%▼ 2.87% below avgNationally 2.91%
Details
Early withdrawal penalty applies
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 times
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
18 Month Certificate of Deposit
$0
4.77%
▲ 1.85% above Tennessee avg
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.92%▲ 1.85% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.77% ▲ 1.02 pts · high 4.77% / low 3.75%
- Oct 26, 20264.77%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
18 Month Business Share Certificate PROMO
$50,000
4.75%
▲ 1.83% above Tennessee avg
▼
Rate4.65%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.92%▲ 1.83% above avgNationally 2.91%
Details
Promo rate; 25% of opening deposit must be new money; penalties apply for early withdrawal; converts to regular certificate at maturity unless changed during 7-day grace period
Rate History
No change since Oct 15, 2026 · 4.75% APY · checked 3 times
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
18 Month Share Certificates PROMO
$0
4.75%
▲ 1.83% above Tennessee avg
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.92%▲ 1.83% above avgNationally 2.91%
Details
PROMO: 6, 12, or 18 Months
Rate History
No change since Oct 23, 2026 · 4.75% APY · checked 2 times
Finworth, a division of InsBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
18 Month Certificate of Deposit
$50,000
4.50%
▲ 1.58% above Tennessee avg
▼
Rate4.50%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.92%▲ 1.58% above avgNationally 2.91%
Details
Maximum deposit $240,000; APY accurate as of 10-23-2026; Rates subject to change without notice
Rate History
2 changes since Oct 2, 2026 · 4.30% → 4.50% ▲ 0.20 pts · high 4.50% / low 4.30%
- Oct 26, 20264.50%▲ from 4.40%
- Oct 14, 20264.40%▲ from 4.30%
- Oct 2, 20264.30%first recorded
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Share Certificate - 18 Months
$1,000
4.25%
▲ 1.33% above Tennessee avg
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.92%▲ 1.33% above avgNationally 2.91%
Details
Dividend Rate; $1,000 minimum opening deposit required; early withdrawal penalty applies
Rate History
1 change since Oct 4, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
- Oct 8, 20264.25%▲ from 4.00%
- Oct 4, 20264.00%first recorded
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
IRA Term Account - 18 Months
$0
4.24%
▲ 1.32% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.92%▲ 1.32% above avgNationally 2.91%
Details
Effective 08/15/2023; All rates stated as APY; Certificate rates are set for the term of the account; Early withdrawal penalty applies
Rate History
No change since Oct 26, 2026 · 4.24% APY · checked 2 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.15%
▲ 1.23% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.92%▲ 1.23% above avgNationally 2.91%
Details
Balance: $100K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET
Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 3 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month Short-Term Certificate
$0
4.10%
▲ 1.18% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.92%▲ 1.18% above avgNationally 2.91%
Details
Balance: $1K Minimum APY tier; Share, IRA, ESA; Rates as of Oct 30, 2026 ET
Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 3 times
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
18 Month Certificate
$1,000
4.10%
▲ 1.18% above Tennessee avg
▼
Rate4.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.92%▲ 1.18% above avgNationally 2.91%
Details
Paid monthly
Rate History
1 change since Sep 14, 2026 · 3.45% → 4.10% ▲ 0.65 pts · high 4.10% / low 3.45%
- Oct 5, 20264.10%▲ from 3.45%
- Sep 14, 20263.45%first recorded
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
IRA 18 Month Certificate
$0
4.07%
▲ 1.15% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.92%▲ 1.15% above avgNationally 2.91%
Details
Balance: $100,000 and over; Jumbo IRA
Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 11 times
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Roth IRA 18 Month Certificate
$0
4.07%
▲ 1.15% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.92%▲ 1.15% above avgNationally 2.91%
Details
Balance: $100,000 and over; Jumbo IRA
Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 11 times
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
18 Month Certificate Account
$0
4.05%
▲ 1.13% above Tennessee avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.92%▲ 1.13% above avgNationally 2.91%
Details
Dividend Compound: Monthly; 0.25% new money/direct deposit addition may apply
Rate History
No change since Oct 14, 2026 · 4.05% APY · checked 5 times
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
18 Month IRA Certificate Account
$0
4.05%
▲ 1.13% above Tennessee avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.92%▲ 1.13% above avgNationally 2.91%
Details
Dividend Compound: Monthly
Rate History
No change since Oct 14, 2026 · 4.05% APY · checked 5 times
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Business Certificate Accounts - 18 Month Certificate Account
$0
4.05%
▲ 1.13% above Tennessee avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.92%▲ 1.13% above avgNationally 2.91%
Details
Dividend Compound: Monthly
Rate History
No change since Oct 14, 2026 · 4.05% APY · checked 3 times
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
IRA 18 Months
$2,000
4.02%
▲ 1.10% above Tennessee avg
▼
Rate3.95%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.92%▲ 1.10% above avgNationally 2.91%
Details
Rate History
No change since Oct 19, 2026 · 4.02% APY · checked 3 times
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
Share Certificate - 18 Months
$1,000
4.02%
▲ 1.10% above Tennessee avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.92%▲ 1.10% above avgNationally 2.91%
Details
Rates effective as of 01/27/2026
Rate History
No change since Oct 19, 2026 · 4.02% APY · checked 4 times
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
IRA 18 Month Certificate
$0
4.02%
▲ 1.10% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.92%▲ 1.10% above avgNationally 2.91%
Details
Balance: $500 - $99,999.99; Regular IRA
Rate History
No change since Sep 14, 2026 · 4.02% APY · checked 11 times
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Roth IRA 18 Month Certificate
$0
4.02%
▲ 1.10% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.92%▲ 1.10% above avgNationally 2.91%
Details
Balance: $500 - $99,999.99; Regular IRA
Rate History
No change since Sep 14, 2026 · 4.02% APY · checked 11 times
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
Share Certificate - 18 Month Maturity
$1,000
4.00%
▲ 1.08% above Tennessee avg
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.92%▲ 1.08% above avgNationally 2.91%
Details
Rate History
No change since Oct 23, 2026 · 4.00% APY · checked 2 times
Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
Certificate Account - 18 Month Term
$0
4.00%
▲ 1.08% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.92%▲ 1.08% above avgNationally 2.91%
Details
Rate History
No change since Oct 19, 2026 · 4.00% APY · checked 3 times
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
Regular, Business and / or IRA Share Certificate - 18 Months
$1,000
3.97%
▲ 1.05% above Tennessee avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.92%▲ 1.05% above avgNationally 2.91%
Details
Rate History
No change since Oct 8, 2026 · 3.97% APY · checked 5 times
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
18 Month Certificate (quarterly dividends)
$0
3.96%
▲ 1.04% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.92%▲ 1.04% above avgNationally 2.91%
Details
Jumbo Certificate; Balance: $100,000.00 and over
Rate History
No change since Oct 14, 2026 · 3.96% APY · checked 5 times
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 18 Months Fixed
$100,000
3.92%
▲ 1.00% above Tennessee avg
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.92%▲ 1.00% above avgNationally 2.91%
Details
Compounding: Dividend Rate Compounding 3.85%, APY Compounding 3.92%
Rate History
2 changes since Sep 14, 2026 · 3.71% → 3.92% ▲ 0.21 pts · high 3.92% / low 3.71%
- Oct 4, 20263.92%▲ from 3.82%
- Sep 18, 20263.82%▲ from 3.71%
- Sep 14, 20263.71%first recorded
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
18 Month Certificate (quarterly dividends)
$0
3.91%
▲ 0.99% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.92%▲ 0.99% above avgNationally 2.91%
Details
Regular Certificate; Balance: $500.00 - $99,999.99
Rate History
No change since Oct 14, 2026 · 3.91% APY · checked 5 times
Memphis 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1451 Madison Ave, Memphis, TN 38104
24 Month Jumbo Share Certificates (CDs)
$1,000
4.82%
▲ 1.82% above Tennessee avg
▼
Rate4.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.00%▲ 1.82% above avgNationally 2.91%
Details
Jumbo rate; standard jumbo rates available on deposits of $95,000 or more
Rate History
No change since Oct 26, 2026 · 4.82% APY · checked 2 times
Financial Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
1715 Aaron Brenner Dr, Memphis, TN 38120
24 Month CD
$0
4.25%
▲ 1.25% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average3.00%▲ 1.25% above avgNationally 2.91%
Details
Rate History
No change since Oct 2, 2026 · 4.25% APY · checked 10 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
2 Year Retirement Liquid Share Certificate
$0
4.10%
▲ 1.10% above Tennessee avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.00%▲ 1.10% above avgNationally 2.91%
Details
Balance: $100,000.00 and over
Rate History
No change since Oct 26, 2026 · 4.10% APY · checked 2 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
2 Year Retirement Liquid Share Certificate
$0
4.05%
▲ 1.05% above Tennessee avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.00%▲ 1.05% above avgNationally 2.91%
Details
Balance: $50,000.00 - $99,999.99
Rate History
No change since Oct 19, 2026 · 4.05% APY · checked 3 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
2 Year Retirement Liquid Share Certificate
$10,000
4.00%
▲ 1.00% above Tennessee avg
▼
Rate3.93%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.00%▲ 1.00% above avgNationally 2.91%
Details
Balance: $10,000.00 - $9,999.99 (as printed)
Rate History
No change since Oct 26, 2026 · 4.00% APY · checked 2 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Share Certificates - 2 Years
$0
4.00%
▲ 1.00% above Tennessee avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.00%▲ 1.00% above avgNationally 2.91%
Details
Balance: $100,000 and over
Rate History
No change since Oct 26, 2026 · 4.00% APY · checked 2 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Share Certificates - 2 Years
$0
3.95%
▲ 0.95% above Tennessee avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.00%▲ 0.95% above avgNationally 2.91%
Details
Balance: $50,000 - $99,999.99
Rate History
No change since Oct 26, 2026 · 3.95% APY · checked 2 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Share Certificates - 2 Years
$0
3.90%
▲ 0.90% above Tennessee avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.00%▲ 0.90% above avgNationally 2.91%
Details
Balance: $1,000 - $49,999.99
Rate History
No change since Oct 26, 2026 · 3.90% APY · checked 2 times
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
775 Ridge Lake Blvd, Memphis, TN 38120
2 Year CD
$1,000
3.56%
▲ 0.56% above Tennessee avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average3.00%▲ 0.56% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 3.29% → 3.56% ▲ 0.27 pts · high 3.56% / low 3.29%
- Oct 3, 20263.56%▲ from 3.29%
- Sep 14, 20263.29%first recorded
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
775 Ridge Lake Blvd, Memphis, TN 38120
24 Month IRA Fixed
$100
3.50%
▲ 0.50% above Tennessee avg
▼
Rate3.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average3.00%▲ 0.50% above avgNationally 2.91%
Details
Early withdrawal penalty 120 days; APY based on interest paid quarterly
Rate History
1 change since Sep 14, 2026 · 3.29% → 3.50% ▲ 0.21 pts · high 3.50% / low 3.29%
- Oct 7, 20263.50%▲ from 3.29%
- Sep 14, 20263.29%first recorded
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
3670 Hacks Cross Rd, Memphis, TN 38125
24 Month Share Certificate
$0
3.50%
▲ 0.50% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.00%▲ 0.50% above avgNationally 2.91%
Details
Balance: $50,000 & up; Dividends Paid Monthly
Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 9 times
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
3155 Millbranch Rd, Memphis, TN 38116 1917
Share Certificates (CDs) - 24 Months
$0
3.50%
▲ 0.50% above Tennessee avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.00%▲ 0.50% above avgNationally 2.91%
Details
Minimum $500 balance. Early withdrawal fees apply.
Rate History
No change since Oct 19, 2026 · 3.50% APY · checked 3 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
165 Madison Ave, Memphis, TN 38103
CD - 24 Month
$0
3.41%
▲ 0.41% above Tennessee avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average3.00%▲ 0.41% above avgNationally 2.91%
Details
Rate History
No change since Oct 20, 2026 · 3.41% APY · checked 3 times
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
2608 Avery Ave, Memphis, TN 38112 4821
24 Month CD
$0
3.39%
▲ 0.39% above Tennessee avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.00%▲ 0.39% above avgNationally 2.91%
Details
Penalty for early withdrawal: 60 days
Rate History
No change since Oct 19, 2026 · 3.39% APY · checked 3 times
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
2608 Avery Ave, Memphis, TN 38112 4821
Certificate of Deposit - 24 months
$0
3.39%
▲ 0.39% above Tennessee avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.00%▲ 0.39% above avgNationally 2.91%
Details
Rates effective September 1, 2026; 60 days penalty for early withdrawal of certificate
Rate History
No change since Oct 19, 2026 · 3.39% APY · checked 3 times
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
1616 Whitten Rd, Memphis, TN 38134
IRA Certificate 24 Months
$0
3.05%
▲ 0.05% above Tennessee avg
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average3.00%▲ 0.05% above avgNationally 2.91%
Details
Penalty for early withdrawal: 90 days dividend
Rate History
No change since Oct 12, 2026 · 3.05% APY · checked 4 times
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
1616 Whitten Rd, Memphis, TN 38134
24 Month Share Certificate
$0
3.00%
At Tennessee avg
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average3.00%At the averageNationally 2.91%
Details
Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 7 times
Kimberly Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
1520 N 2nd St, Memphis, TN 38107 1004
24 Month Share Certificate
$0
3.00%
At Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.00%At the averageNationally 2.91%
Details
Also offered as IRA Share Certificate; Rates effective 9/30/2026 through 10/13/2026; for certificates purchased through 10/13/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
UPS Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.50%
1814 E Brooks Rd, Memphis, TN 38116
Share CD - 24 Months
$1,000
3.00%
At Tennessee avg
▼
Rate2.97%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.00%At the averageNationally 2.91%
Details
Share CDs and IRA CDs
Rate History
No change since Oct 14, 2026 · 3.00% APY · checked 4 times
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1451 Madison Ave, Memphis, TN 38104
24 Month Share Certificates (CDs)
$1,000
2.87%
▼ 0.13% below Tennessee avg
▼
Rate2.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.00%▼ 0.13% below avgNationally 2.91%
Details
Rate History
1 change since Sep 18, 2026 · 2.55% → 2.87% ▲ 0.32 pts · high 2.87% / low 2.55%
- Oct 13, 20262.87%▲ from 2.55%
- Sep 18, 20262.55%first recorded
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
1265 Union Ave, Memphis, TN 38104 3415
24 Month Share Certificate
$0
2.80%
▼ 0.20% below Tennessee avg
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.00%▼ 0.20% below avgNationally 2.91%
Details
Balance: $50,000.00+
Rate History
No change since Oct 13, 2026 · 2.80% APY · checked 4 times
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
6029 Walnut Grove Rd, Memphis, TN 38120
Investment Certificates - 24 Months IRA SC
$0
2.75%
▼ 0.25% below Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.00%▼ 0.25% below avgNationally 2.91%
Details
IRA
Rate History
No change since Oct 12, 2026 · 2.75% APY · checked 4 times
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
6029 Walnut Grove Rd, Memphis, TN 38120
Investment Certificates - 24 Months SC
$0
2.75%
▼ 0.25% below Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.00%▼ 0.25% below avgNationally 2.91%
Details
Rate History
No change since Oct 12, 2026 · 2.75% APY · checked 4 times
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
1265 Union Ave, Memphis, TN 38104 3415
24 Month Share Certificate
$0
2.60%
▼ 0.40% below Tennessee avg
▼
Rate2.60%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.00%▼ 0.40% below avgNationally 2.91%
Details
Balance: $10,000 - $49,999
Rate History
No change since Oct 13, 2026 · 2.60% APY · checked 4 times
FedTrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
167 N Main St Ste 102, Memphis, TN 38103 1867
Certificate - 2 Years
$0
2.52%
▼ 0.48% below Tennessee avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.00%▼ 0.48% below avgNationally 2.91%
Details
Quarterly Paid Dividends
Rate History
No change since Sep 14, 2026 · 2.52% APY · checked 4 times
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
1265 Union Ave, Memphis, TN 38104 3415
24 Month Share Certificate
$0
2.40%
▼ 0.60% below Tennessee avg
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.00%▼ 0.60% below avgNationally 2.91%
Details
Balance: $1,000.00 - $9,999.99
Rate History
No change since Oct 13, 2026 · 2.40% APY · checked 4 times
FedTrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
167 N Main St Ste 102, Memphis, TN 38103 1867
Certificate/IRA - 2 Years
$0
2.27%
▼ 0.73% below Tennessee avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.00%▼ 0.73% below avgNationally 2.91%
Details
Quarterly Paid Dividends
Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 4 times
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
3155 Millbranch Rd, Memphis, TN 38116 1917
24 Month IRA Certificates
$0
2.25%
▼ 0.75% below Tennessee avg
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.00%▼ 0.75% below avgNationally 2.91%
Details
Minimum $500 balance; Early withdrawal fees apply
Rate History
No change since Oct 26, 2026 · 2.25% APY · checked 2 times
Espeeco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.40%
2650 Thousand Oaks Blvd, Memphis, TN 38118
Term Certificates - 24 Month
$0
2.00%
▼ 1.00% below Tennessee avg
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average3.00%▼ 1.00% below avgNationally 2.91%
Details
*APR column shown as rate
Rate History
No change since Oct 23, 2026 · 2.00% APY · checked 2 times
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
7974 Centennial Dr, Memphis, TN 38125 2376
24 Month Share Certificates
$0
1.95%
▼ 1.05% below Tennessee avg
▼
Rate1.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average3.00%▼ 1.05% below avgNationally 2.91%
Details
Minimum Balance: $50,000
Rate History
No change since Sep 14, 2026 · 1.95% APY · checked 7 times
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
7974 Centennial Dr, Memphis, TN 38125 2376
24 Month Share Certificates
$0
1.85%
▼ 1.15% below Tennessee avg
▼
Rate1.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average3.00%▼ 1.15% below avgNationally 2.91%
Details
Minimum Balance: $500
Rate History
No change since Sep 14, 2026 · 1.85% APY · checked 7 times
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
3731 Austin Peay Hwy, Memphis, TN 38128
CD - 24 Months
$0
1.84%
▼ 1.16% below Tennessee avg
▼
Rate1.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.00%▼ 1.16% below avgNationally 2.91%
Details
Effective Date: October 19th, 2026
Rate History
No change since Oct 19, 2026 · 1.84% APY · checked 4 times
U T Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
910 Madison Ave, Memphis, TN 38103
24 Month Certificate
$1,000
1.60%
▼ 1.40% below Tennessee avg
▼
Rate1.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.00%▼ 1.40% below avgNationally 2.91%
Details
Balance: $1,000.00 - $9,999.99
Rate History
No change since Sep 22, 2026 · 1.60% APY · checked 7 times
U T Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
910 Madison Ave, Memphis, TN 38103
Certificate - 24 Months
$1,000
1.60%
▼ 1.40% below Tennessee avg
▼
Rate1.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.00%▼ 1.40% below avgNationally 2.91%
Details
Certificate Rates $1,000-$9,999 tier; APY = Annual Percentage Yield
Rate History
No change since Oct 14, 2026 · 1.60% APY · checked 4 times
FedTrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
167 N Main St Ste 102, Memphis, TN 38103 1867
1 - 2 Year Convenient Money CD
$0
1.00%
▼ 2.00% below Tennessee avg
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.00%▼ 2.00% below avgNationally 2.91%
Details
Quarterly Paid Dividends
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 11 times
FedTrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
167 N Main St Ste 102, Memphis, TN 38103 1867
1 - 2 Year Convenient Money CD
$0
0.75%
▼ 2.25% below Tennessee avg
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.00%▼ 2.25% below avgNationally 2.91%
Details
Quarterly Paid Dividends
Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 11 times
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
165 Madison Ave, Memphis, TN 38103
24 Month Regular CD Account
$0
0.10%
▼ 2.90% below Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average3.00%▼ 2.90% below avgNationally 2.91%
Details
Type: Regular; Next Steps: Open Now
Rate History
No change since Oct 20, 2026 · 0.10% APY · checked 3 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1895 Union Ave, Memphis, TN 38104
24 Month Personal Certificate of Deposit
$0
0.05%
▼ 2.95% below Tennessee avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average3.00%▼ 2.95% below avgNationally 2.91%
Details
Same rate for all terms 7 days - 60 months; Standard interest rates for all balances ($0.01+); Minimum opening deposit $2,500 for terms from 7 to 31 days; $1,000 for terms from 32 days to 60 months; Rates are accurate as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY · checked 3 times
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
24 Month Certificate of Deposit
$0
4.75%
▲ 1.75% above Tennessee avg
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average3.00%▲ 1.75% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 2.90% → 4.75% ▲ 1.85 pts · high 4.75% / low 2.90%
- Oct 26, 20264.75%▲ from 2.90%
- Sep 14, 20262.90%first recorded
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
24 Month IRA
$0
4.75%
▲ 1.75% above Tennessee avg
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average3.00%▲ 1.75% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 2.90% → 4.75% ▲ 1.85 pts · high 4.75% / low 2.90%
- Oct 26, 20264.75%▲ from 2.90%
- Sep 14, 20262.90%first recorded
SouthEast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
24-Month CD Special
$1,000
4.61%
▲ 1.61% above Tennessee avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average3.00%▲ 1.61% above avgNationally 2.91%
Details
Interest compounded and credited quarterly; Open Online; Promotional rate applies only to the initial term and will not apply when the CD renews; Rates accurate as of 10/30/26
Rate History
1 change since Sep 14, 2026 · 4.25% → 4.61% ▲ 0.36 pts · high 4.61% / low 4.25%
- Oct 31, 20264.61%▲ from 4.25%
- Sep 14, 20264.25%first recorded
Finworth, a division of InsBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
2 Year Certificate of Deposit
$50,000
4.55%
▲ 1.55% above Tennessee avg
▼
Rate4.55%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.00%▲ 1.55% above avgNationally 2.91%
Details
Maximum deposit $240,000; APY accurate as of 10-23-2026; Rates subject to change without notice
Rate History
2 changes since Oct 2, 2026 · 4.35% → 4.55% ▲ 0.20 pts · high 4.55% / low 4.35%
- Oct 26, 20264.55%▲ from 4.45%
- Oct 14, 20264.45%▲ from 4.35%
- Oct 2, 20264.35%first recorded
Holley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
24 Month Share Certificate
$0
4.32%
▲ 1.32% above Tennessee avg
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.00%▲ 1.32% above avgNationally 2.91%
Details
Effective 9/21/2026; Compounds quarterly; Early withdrawal penalty applies
Rate History
No change since Oct 10, 2026 · 4.32% APY · checked 3 times
Leaders Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
24-Month Certificate Special
$1,000
4.25%
▲ 1.25% above Tennessee avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.00%▲ 1.25% above avgNationally 2.91%
Details
Dividends earned: Monthly
Rate History
No change since Oct 9, 2026 · 4.25% APY · checked 4 times
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
24 Month Certificate
$1,000
4.15%
▲ 1.15% above Tennessee avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.00%▲ 1.15% above avgNationally 2.91%
Details
Paid monthly
Rate History
1 change since Sep 14, 2026 · 3.45% → 4.15% ▲ 0.70 pts · high 4.15% / low 3.45%
- Oct 5, 20264.15%▲ from 3.45%
- Sep 14, 20263.45%first recorded
Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
Certificate Account - 24 Month Term
$0
4.15%
▲ 1.15% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.00%▲ 1.15% above avgNationally 2.91%
Details
Rate History
No change since Oct 19, 2026 · 4.15% APY · checked 3 times
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
IRA 24 Month Certificate
$0
4.12%
▲ 1.12% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.00%▲ 1.12% above avgNationally 2.91%
Details
Balance: $100,000 and over; Jumbo IRA
Rate History
No change since Sep 14, 2026 · 4.12% APY · checked 11 times
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Roth IRA 24 Month Certificate
$0
4.12%
▲ 1.12% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.00%▲ 1.12% above avgNationally 2.91%
Details
Balance: $100,000 and over; Jumbo IRA
Rate History
No change since Sep 14, 2026 · 4.12% APY · checked 11 times
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
24 Month Certificate Account
$0
4.10%
▲ 1.10% above Tennessee avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.00%▲ 1.10% above avgNationally 2.91%
Details
Dividend Compound: Monthly; 0.25% new money/direct deposit addition may apply
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 5 times
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
24 Month IRA Certificate Account
$0
4.10%
▲ 1.10% above Tennessee avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.00%▲ 1.10% above avgNationally 2.91%
Details
Dividend Compound: Monthly
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 5 times
Memphis 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1451 Madison Ave, Memphis, TN 38104
36 Month Jumbo Share Certificates (CDs)
$1,000
4.93%
▲ 2.10% above Tennessee avg
▼
Rate4.81%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.83%▲ 2.10% above avgNationally 2.82%
Details
Jumbo rate; standard jumbo rates available on deposits of $95,000 or more
Rate History
No change since Oct 26, 2026 · 4.93% APY · checked 2 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
3 Year Retirement Liquid Share Certificates
$0
4.10%
▲ 1.27% above Tennessee avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.83%▲ 1.27% above avgNationally 2.82%
Details
Balance: $100,000.00 and over (per page heading)
Rate History
No change since Oct 26, 2026 · 4.10% APY · checked 2 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
3 Year Retirement Liquid Share Certificate
$0
4.05%
▲ 1.22% above Tennessee avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.83%▲ 1.22% above avgNationally 2.82%
Details
Balance: $50,000.00 - $99,999.99
Rate History
No change since Oct 26, 2026 · 4.05% APY · checked 2 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Retirement Liquid Share Certificate - 3 Year
$0
4.00%
▲ 1.17% above Tennessee avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.83%▲ 1.17% above avgNationally 2.82%
Details
Retirement Liquid Share Certificates tier ($10,000.00 - $9,999,99 as printed)
Rate History
No change since Oct 26, 2026 · 4.00% APY · checked 2 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Share Certificates - 3 Years
$0
4.00%
▲ 1.17% above Tennessee avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.83%▲ 1.17% above avgNationally 2.82%
Details
Balance: $100,000 and over
Rate History
No change since Oct 26, 2026 · 4.00% APY · checked 2 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Traditional/Roth IRA Certificate - 3 Year
$100,000
4.00%
▲ 1.17% above Tennessee avg
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.83%▲ 1.17% above avgNationally 2.82%
Details
Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 5 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Share Certificates - 3 Years
$0
3.95%
▲ 1.13% above Tennessee avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.83%▲ 1.13% above avgNationally 2.82%
Details
Balance: $50,000 - $99,999.99
Rate History
No change since Oct 26, 2026 · 3.95% APY · checked 2 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Share Certificates - 3 Years
$0
3.90%
▲ 1.07% above Tennessee avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.83%▲ 1.07% above avgNationally 2.82%
Details
Balance: $1,000 - $49,999.99
Rate History
No change since Oct 26, 2026 · 3.90% APY · checked 2 times
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
775 Ridge Lake Blvd, Memphis, TN 38120
3 Year CD
$1,000
3.56%
▲ 0.73% above Tennessee avg
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.83%▲ 0.73% above avgNationally 2.82%
Details
Rate History
1 change since Sep 14, 2026 · 3.29% → 3.56% ▲ 0.27 pts · high 3.56% / low 3.29%
- Oct 3, 20263.56%▲ from 3.29%
- Sep 14, 20263.29%first recorded
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
775 Ridge Lake Blvd, Memphis, TN 38120
36 Month IRA Fixed
$100
3.50%
▲ 0.67% above Tennessee avg
▼
Rate3.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.83%▲ 0.67% above avgNationally 2.82%
Details
Early withdrawal penalty 182 days; APY based on interest paid quarterly
Rate History
1 change since Sep 14, 2026 · 3.29% → 3.50% ▲ 0.21 pts · high 3.50% / low 3.29%
- Oct 7, 20263.50%▲ from 3.29%
- Sep 14, 20263.29%first recorded
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
3155 Millbranch Rd, Memphis, TN 38116 1917
Share Certificates (CDs) - 36 Months
$0
3.50%
▲ 0.67% above Tennessee avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.83%▲ 0.67% above avgNationally 2.82%
Details
Minimum $500 balance. Early withdrawal fees apply.
Rate History
No change since Oct 19, 2026 · 3.50% APY · checked 3 times
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
2608 Avery Ave, Memphis, TN 38112 4821
36 Month CD
$0
3.49%
▲ 0.67% above Tennessee avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.83%▲ 0.67% above avgNationally 2.82%
Details
Penalty for early withdrawal: 60 days
Rate History
No change since Oct 19, 2026 · 3.49% APY · checked 3 times
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
2608 Avery Ave, Memphis, TN 38112 4821
Certificate of Deposit - 36 months
$0
3.49%
▲ 0.67% above Tennessee avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.83%▲ 0.67% above avgNationally 2.82%
Details
Rates effective September 1, 2026; 60 days penalty for early withdrawal of certificate
Rate History
No change since Oct 19, 2026 · 3.49% APY · checked 3 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
165 Madison Ave, Memphis, TN 38103
CD - 36 Month
$0
3.41%
▲ 0.59% above Tennessee avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.83%▲ 0.59% above avgNationally 2.82%
Details
Rate History
No change since Oct 20, 2026 · 3.41% APY · checked 3 times
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
3670 Hacks Cross Rd, Memphis, TN 38125
36 Month Share Certificate
$0
3.25%
▲ 0.42% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.83%▲ 0.42% above avgNationally 2.82%
Details
Balance: $50,000 & up; Dividends Paid Monthly
Rate History
No change since Sep 18, 2026 · 3.25% APY · checked 9 times
Kimberly Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
1520 N 2nd St, Memphis, TN 38107 1004
36 Month Share Certificate
$0
3.00%
▲ 0.17% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.83%▲ 0.17% above avgNationally 2.82%
Details
Also offered as IRA Share Certificate; Rates effective 9/30/2026 through 10/13/2026; for certificates purchased through 10/13/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1451 Madison Ave, Memphis, TN 38104
36 Month Share Certificates (CDs)
$1,000
2.93%
▲ 0.10% above Tennessee avg
▼
Rate2.87%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.83%▲ 0.10% above avgNationally 2.82%
Details
Rate History
1 change since Sep 18, 2026 · 2.59% → 2.93% ▲ 0.34 pts · high 2.93% / low 2.59%
- Oct 13, 20262.93%▲ from 2.59%
- Sep 18, 20262.59%first recorded
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
6029 Walnut Grove Rd, Memphis, TN 38120
Investment Certificates - 36 Months IRA SC
$0
2.50%
▼ 0.33% below Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.83%▼ 0.33% below avgNationally 2.82%
Details
IRA
Rate History
No change since Oct 12, 2026 · 2.50% APY · checked 4 times
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
6029 Walnut Grove Rd, Memphis, TN 38120
Investment Certificates - 36 Months SC
$0
2.50%
▼ 0.33% below Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.83%▼ 0.33% below avgNationally 2.82%
Details
Rate History
No change since Oct 12, 2026 · 2.50% APY · checked 4 times
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
1616 Whitten Rd, Memphis, TN 38134
IRA Certificate 36 Months
$0
2.30%
▼ 0.53% below Tennessee avg
▼
Rate2.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.83%▼ 0.53% below avgNationally 2.82%
Details
One-time option to bump up to higher interest rate; Penalty for early withdrawal: 90 days dividend
Rate History
No change since Oct 12, 2026 · 2.30% APY · checked 4 times
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
1616 Whitten Rd, Memphis, TN 38134
36 Month Share Certificate
$0
2.25%
▼ 0.58% below Tennessee avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.83%▼ 0.58% below avgNationally 2.82%
Details
One-time option to bump up to higher interest rate
Rate History
No change since Sep 25, 2026 · 2.25% APY · checked 6 times
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
7974 Centennial Dr, Memphis, TN 38125 2376
36 Month Share Certificates
$0
2.00%
▼ 0.83% below Tennessee avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.83%▼ 0.83% below avgNationally 2.82%
Details
Minimum Balance: $50,000
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
3155 Millbranch Rd, Memphis, TN 38116 1917
36 Month IRA Certificates
$0
2.00%
▼ 0.83% below Tennessee avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.83%▼ 0.83% below avgNationally 2.82%
Details
Minimum $500 balance; Early withdrawal fees apply
Rate History
No change since Oct 26, 2026 · 2.00% APY · checked 2 times
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
3731 Austin Peay Hwy, Memphis, TN 38128
CD - 36 Months
$0
2.00%
▼ 0.83% below Tennessee avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▼ 0.83% below avgNationally 2.82%
Details
Effective Date: October 19th, 2026
Rate History
No change since Oct 19, 2026 · 2.00% APY · checked 4 times
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
7974 Centennial Dr, Memphis, TN 38125 2376
36 Month Share Certificates
$0
1.90%
▼ 0.93% below Tennessee avg
▼
Rate1.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.83%▼ 0.93% below avgNationally 2.82%
Details
Minimum Balance: $500
Rate History
No change since Sep 14, 2026 · 1.90% APY · checked 7 times
U T Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
910 Madison Ave, Memphis, TN 38103
36 Month Certificate
$1,000
1.70%
▼ 1.13% below Tennessee avg
▼
Rate1.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▼ 1.13% below avgNationally 2.82%
Details
Balance: $1,000.00 - $9,999.99
Rate History
No change since Sep 22, 2026 · 1.70% APY · checked 7 times
U T Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
910 Madison Ave, Memphis, TN 38103
Certificate - 36 Months
$1,000
1.70%
▼ 1.13% below Tennessee avg
▼
Rate1.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▼ 1.13% below avgNationally 2.82%
Details
Certificate Rates $1,000-$9,999 tier; APY = Annual Percentage Yield
Rate History
No change since Oct 14, 2026 · 1.70% APY · checked 4 times
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
165 Madison Ave, Memphis, TN 38103
36 Month Regular CD Account
$0
0.10%
▼ 2.73% below Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.83%▼ 2.73% below avgNationally 2.82%
Details
Type: Regular; Next Steps: Open Now
Rate History
No change since Oct 20, 2026 · 0.10% APY · checked 3 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1895 Union Ave, Memphis, TN 38104
36 Month Personal Certificate of Deposit
$0
0.05%
▼ 2.78% below Tennessee avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.83%▼ 2.78% below avgNationally 2.82%
Details
Same rate for all terms 7 days - 60 months; Standard interest rates for all balances ($0.01+); Minimum opening deposit $2,500 for terms from 7 to 31 days; $1,000 for terms from 32 days to 60 months; Rates are accurate as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY · checked 3 times
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
36 Month Certificate of Deposit
$0
4.75%
▲ 1.92% above Tennessee avg
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.83%▲ 1.92% above avgNationally 2.82%
Details
Rate History
1 change since Sep 14, 2026 · 3.10% → 4.75% ▲ 1.65 pts · high 4.75% / low 3.10%
- Oct 26, 20264.75%▲ from 3.10%
- Sep 14, 20263.10%first recorded
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
36 Month IRA
$0
4.75%
▲ 1.92% above Tennessee avg
▼
Rate4.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.83%▲ 1.92% above avgNationally 2.82%
Details
Rate History
1 change since Sep 14, 2026 · 3.10% → 4.75% ▲ 1.65 pts · high 4.75% / low 3.10%
- Oct 26, 20264.75%▲ from 3.10%
- Sep 14, 20263.10%first recorded
Leaders Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
36-Month Certificate Special
$1,000
4.25%
▲ 1.42% above Tennessee avg
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.83%▲ 1.42% above avgNationally 2.82%
Details
Dividends earned: Monthly
Rate History
No change since Oct 9, 2026 · 4.25% APY · checked 4 times
Finworth, a division of InsBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
3 Year Certificate of Deposit
$50,000
4.25%
▲ 1.42% above Tennessee avg
▼
Rate4.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▲ 1.42% above avgNationally 2.82%
Details
Maximum deposit $240,000; APY accurate as of 10-23-2026; Rates subject to change without notice
Rate History
1 change since Oct 2, 2026 · 3.30% → 4.25% ▲ 0.95 pts · high 4.25% / low 3.30%
- Oct 26, 20264.25%▲ from 3.30%
- Oct 2, 20263.30%first recorded
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
IRA 36 Month Certificate
$0
4.18%
▲ 1.35% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▲ 1.35% above avgNationally 2.82%
Details
Balance: $100,000 and over; Jumbo IRA
Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 11 times
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Roth IRA 36 Month Certificate
$0
4.18%
▲ 1.35% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▲ 1.35% above avgNationally 2.82%
Details
Balance: $100,000 and over; Jumbo IRA
Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 11 times
Scenic Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.48%
36 Months Certificate
$500
4.16%
▲ 1.34% above Tennessee avg
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▲ 1.34% above avgNationally 2.82%
Details
Rate History
1 change since Sep 14, 2026 · 3.03% → 4.16% ▲ 1.13 pts · high 4.16% / low 3.03%
- Oct 10, 20264.16%▲ from 3.03%
- Sep 14, 20263.03%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate
$0
4.15%
▲ 1.33% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.83%▲ 1.33% above avgNationally 2.82%
Details
Balance: $100,000 minimum; Rates as of Oct 30, 2026 ET
Rate History
No change since Oct 20, 2026 · 4.15% APY · checked 2 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificate of Deposit - 36 Month
$1,000
4.15%
▲ 1.33% above Tennessee avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Tennessee Average2.83%▲ 1.33% above avgNationally 2.82%
Details
Partial withdrawals allowed; APY as of 10/20/2026
Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 3 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 36 Month
$1,000
4.15%
▲ 1.33% above Tennessee avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Tennessee Average2.83%▲ 1.33% above avgNationally 2.82%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 21, 20264.15%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts - 36-Month
$1,000
4.15%
▲ 1.33% above Tennessee avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Tennessee Average2.83%▲ 1.33% above avgNationally 2.82%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 7, 20264.15%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA Certificate - 36-Month
$1,000
4.15%
▲ 1.33% above Tennessee avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Tennessee Average2.83%▲ 1.33% above avgNationally 2.82%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 3 times
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 36 Months Fixed
$100,000
4.13%
▲ 1.30% above Tennessee avg
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.83%▲ 1.30% above avgNationally 2.82%
Details
Compounding: Dividend Rate Compounding 4.05%, APY Compounding 4.13%
Rate History
2 changes since Sep 14, 2026 · 3.92% → 4.13% ▲ 0.21 pts · high 4.13% / low 3.92%
- Oct 4, 20264.13%▲ from 4.02%
- Sep 18, 20264.02%▲ from 3.92%
- Sep 14, 20263.92%first recorded
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
36 Month Certificate
$0
4.13%
▲ 1.30% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▲ 1.30% above avgNationally 2.82%
Details
Jumbo Certificate; Balance: $100,000.00 and over
Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 7 times
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
IRA 36 Month Certificate
$0
4.13%
▲ 1.30% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▲ 1.30% above avgNationally 2.82%
Details
Balance: $500 - $99,999.99; Regular IRA
Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 11 times
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Roth IRA 36 Month Certificate
$0
4.13%
▲ 1.30% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▲ 1.30% above avgNationally 2.82%
Details
Balance: $500 - $99,999.99; Regular IRA
Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 11 times
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year Long-Term Certificate
$0
4.10%
▲ 1.27% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.83%▲ 1.27% above avgNationally 2.82%
Details
Balance: $1,000 minimum; Rates as of Oct 30, 2026 ET
Rate History
No change since Oct 20, 2026 · 4.10% APY · checked 2 times
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
36 Month Certificate Account
$0
4.10%
▲ 1.27% above Tennessee avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▲ 1.27% above avgNationally 2.82%
Details
Dividend Compound: Monthly; 0.25% new money/direct deposit addition may apply
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 5 times
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
36 Month IRA Certificate Account
$0
4.10%
▲ 1.27% above Tennessee avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▲ 1.27% above avgNationally 2.82%
Details
Dividend Compound: Monthly
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 5 times
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Business Certificate Accounts - 36 Month Certificate Account
$0
4.10%
▲ 1.27% above Tennessee avg
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▲ 1.27% above avgNationally 2.82%
Details
Dividend Compound: Monthly
Rate History
No change since Oct 14, 2026 · 4.10% APY · checked 3 times
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
36 Month Certificate
$0
4.07%
▲ 1.25% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▲ 1.25% above avgNationally 2.82%
Details
Regular Certificate; Balance: $500.00 - $99,999.99
Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 7 times
Memphis 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
3155 Millbranch Rd, Memphis, TN 38116 1917
Share Certificates (CDs) - 48 Months
$0
3.50%
▲ 0.72% above Tennessee avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.78%▲ 0.72% above avgNationally 2.81%
Details
Minimum $500 balance. Early withdrawal fees apply.
Rate History
No change since Oct 19, 2026 · 3.50% APY · checked 3 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
165 Madison Ave, Memphis, TN 38103
CD - 48 Month
$0
3.41%
▲ 0.63% above Tennessee avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.78%▲ 0.63% above avgNationally 2.81%
Details
Rate History
No change since Oct 20, 2026 · 3.41% APY · checked 3 times
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
3670 Hacks Cross Rd, Memphis, TN 38125
48 Month Share Certificate
$0
3.00%
▲ 0.22% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.78%▲ 0.22% above avgNationally 2.81%
Details
Balance: $50,000 & up; Dividends Paid Monthly
Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 9 times
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
1616 Whitten Rd, Memphis, TN 38134
IRA Certificate 48 Months
$0
2.30%
▼ 0.48% below Tennessee avg
▼
Rate2.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.78%▼ 0.48% below avgNationally 2.81%
Details
Penalty for early withdrawal: 90 days dividend
Rate History
No change since Oct 12, 2026 · 2.30% APY · checked 4 times
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
1616 Whitten Rd, Memphis, TN 38134
48 Month Share Certificate
$0
2.25%
▼ 0.53% below Tennessee avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.78%▼ 0.53% below avgNationally 2.81%
Details
Rate History
No change since Sep 25, 2026 · 2.25% APY · checked 6 times
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
6029 Walnut Grove Rd, Memphis, TN 38120
Investment Certificates - 48 Months IRA SC
$0
2.25%
▼ 0.53% below Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.78%▼ 0.53% below avgNationally 2.81%
Details
IRA
Rate History
No change since Oct 12, 2026 · 2.25% APY · checked 4 times
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
6029 Walnut Grove Rd, Memphis, TN 38120
Investment Certificates - 48 Months SC
$0
2.25%
▼ 0.53% below Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.78%▼ 0.53% below avgNationally 2.81%
Details
Rate History
No change since Oct 12, 2026 · 2.25% APY · checked 4 times
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
7974 Centennial Dr, Memphis, TN 38125 2376
48 Month Share Certificates
$0
2.10%
▼ 0.68% below Tennessee avg
▼
Rate2.08%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.78%▼ 0.68% below avgNationally 2.81%
Details
Minimum Balance: $50,000
Rate History
No change since Sep 14, 2026 · 2.10% APY · checked 7 times
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
3731 Austin Peay Hwy, Memphis, TN 38128
CD - 48 Months
$0
2.02%
▼ 0.76% below Tennessee avg
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.78%▼ 0.76% below avgNationally 2.81%
Details
Effective Date: October 19th, 2026
Rate History
No change since Oct 19, 2026 · 2.02% APY · checked 4 times
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
7974 Centennial Dr, Memphis, TN 38125 2376
48 Month Share Certificates
$0
2.00%
▼ 0.78% below Tennessee avg
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.78%▼ 0.78% below avgNationally 2.81%
Details
Minimum Balance: $500
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
U T Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
910 Madison Ave, Memphis, TN 38103
48 Month Certificate
$1,000
1.75%
▼ 1.03% below Tennessee avg
▼
Rate1.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.78%▼ 1.03% below avgNationally 2.81%
Details
Balance: $1,000.00 - $9,999.99
Rate History
No change since Sep 22, 2026 · 1.75% APY · checked 7 times
U T Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
910 Madison Ave, Memphis, TN 38103
Certificate - 48 Months
$1,000
1.75%
▼ 1.03% below Tennessee avg
▼
Rate1.74%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.78%▼ 1.03% below avgNationally 2.81%
Details
Certificate Rates $1,000-$9,999 tier; APY = Annual Percentage Yield
Rate History
No change since Oct 14, 2026 · 1.75% APY · checked 4 times
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
165 Madison Ave, Memphis, TN 38103
48 Month Regular CD Account
$0
0.10%
▼ 2.68% below Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.78%▼ 2.68% below avgNationally 2.81%
Details
Type: Regular; Next Steps: Open Now
Rate History
No change since Oct 20, 2026 · 0.10% APY · checked 3 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1895 Union Ave, Memphis, TN 38104
48 Month Personal Certificate of Deposit
$0
0.05%
▼ 2.73% below Tennessee avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.78%▼ 2.73% below avgNationally 2.81%
Details
Same rate for all terms 7 days - 60 months; Standard interest rates for all balances ($0.01+); Minimum opening deposit $2,500 for terms from 7 to 31 days; $1,000 for terms from 32 days to 60 months; Rates are accurate as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY · checked 3 times
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
IRA 48 Month Certificate
$0
4.23%
▲ 1.45% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.78%▲ 1.45% above avgNationally 2.81%
Details
Balance: $100,000 and over; Jumbo IRA
Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 11 times
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Roth IRA 48 Month Certificate
$0
4.23%
▲ 1.45% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.78%▲ 1.45% above avgNationally 2.81%
Details
Balance: $100,000 and over; Jumbo IRA
Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 11 times
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 48 Months Fixed
$100,000
4.18%
▲ 1.40% above Tennessee avg
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.78%▲ 1.40% above avgNationally 2.81%
Details
Compounding: Dividend Rate Compounding 4.10%, APY Compounding 4.18%
Rate History
2 changes since Sep 14, 2026 · 3.97% → 4.18% ▲ 0.21 pts · high 4.18% / low 3.97%
- Oct 4, 20264.18%▲ from 4.07%
- Sep 18, 20264.07%▲ from 3.97%
- Sep 14, 20263.97%first recorded
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
48 Month Certificate
$0
4.18%
▲ 1.40% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.78%▲ 1.40% above avgNationally 2.81%
Details
Jumbo Certificate; Balance: $100,000.00 and over
Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 7 times
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
IRA 48 Month Certificate
$0
4.18%
▲ 1.40% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.78%▲ 1.40% above avgNationally 2.81%
Details
Balance: $500 - $99,999.99; Regular IRA
Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 11 times
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Roth IRA 48 Month Certificate
$0
4.18%
▲ 1.40% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.78%▲ 1.40% above avgNationally 2.81%
Details
Balance: $500 - $99,999.99; Regular IRA
Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 11 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificate of Deposit - 48 Month
$1,000
4.15%
▲ 1.37% above Tennessee avg
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Tennessee Average2.78%▲ 1.37% above avgNationally 2.81%
Details
Partial withdrawals allowed; APY as of 10/20/2026
Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 3 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 48 Month
$1,000
4.15%
▲ 1.37% above Tennessee avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Tennessee Average2.78%▲ 1.37% above avgNationally 2.81%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 21, 20264.15%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts - 48-Month
$1,000
4.15%
▲ 1.37% above Tennessee avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Tennessee Average2.78%▲ 1.37% above avgNationally 2.81%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 3.75%
- Oct 7, 20264.15%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA Certificate - 48-Month
$1,000
4.15%
▲ 1.37% above Tennessee avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Tennessee Average2.78%▲ 1.37% above avgNationally 2.81%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 21, 2026 · 4.15% APY · checked 3 times
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
48 Month Certificate Account
$0
4.15%
▲ 1.37% above Tennessee avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.78%▲ 1.37% above avgNationally 2.81%
Details
Dividend Compound: Monthly; 0.25% new money/direct deposit addition may apply
Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 5 times
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
48 Month IRA Certificate Account
$0
4.15%
▲ 1.37% above Tennessee avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.78%▲ 1.37% above avgNationally 2.81%
Details
Dividend Compound: Monthly
Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 5 times
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Business Certificate Accounts - 48 Month Certificate Account
$0
4.15%
▲ 1.37% above Tennessee avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.78%▲ 1.37% above avgNationally 2.81%
Details
Dividend Compound: Monthly
Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 3 times
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
48 Month Certificate
$0
4.13%
▲ 1.35% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.78%▲ 1.35% above avgNationally 2.81%
Details
Regular Certificate; Balance: $500.00 - $99,999.99
Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 7 times
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 48 Months Fixed
$100,000
4.10%
▲ 1.32% above Tennessee avg
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.78%▲ 1.32% above avgNationally 2.81%
Details
Non-Compounding: Dividend Rate Non-Compounding 4.10%, APY Non-Compounding 4.10%
Rate History
3 changes since Sep 14, 2026 · 3.97% → 4.10% ▲ 0.13 pts · high 4.18% / low 3.97%
- Oct 28, 20264.10%▼ from 4.18%
- Oct 4, 20264.18%▲ from 4.07%
- Sep 18, 20264.07%▲ from 3.97%
- Sep 14, 20263.97%first recorded
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
3 - 4 Year Business Investment Certificate - Jumbo
$100,000
4.05%
▲ 1.27% above Tennessee avg
▼
Rate3.98%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.78%▲ 1.27% above avgNationally 2.81%
Details
Term: 3 to 4 Years (1,095 to 1,460 days); Jumbo ($100k minimum); Early Withdrawal Penalty: 240 Days' Dividends
Rate History
No change since Oct 14, 2026 · 4.05% APY · checked 4 times
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
3 - 4 Year Jumbo Investment Certificate
$100,000
4.05%
▲ 1.27% above Tennessee avg
▼
Rate3.98%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.78%▲ 1.27% above avgNationally 2.81%
Details
$100k; Term: 3 to 4 Years (1,095 to 1,460 days); Early Withdrawal Penalty: 180 Days' Dividends
Rate History
No change since Oct 26, 2026 · 4.05% APY · checked 2 times
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Investment Certificate - 3 to 4 Years - Jumbo
$100,000
4.05%
▲ 1.27% above Tennessee avg
▼
Rate3.98%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.78%▲ 1.27% above avgNationally 2.81%
Details
$100k; Term: 3 to 4 Years (1,095 to 1,460 days); Jumbo ($100k Minimum); Early Withdrawal Penalty: 180 Days' Dividends
Rate History
No change since Oct 26, 2026 · 4.05% APY · checked 2 times
Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
48 Month CD
$2,500
4.00%
▲ 1.22% above Tennessee avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.78%▲ 1.22% above avgNationally 2.81%
Details
Rate History
1 change since Sep 19, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
- Oct 2, 20264.00%▲ from 3.50%
- Sep 19, 20263.50%first recorded
Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
CDs & IRAs - 48 Months
$2,500
4.00%
▲ 1.22% above Tennessee avg
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.78%▲ 1.22% above avgNationally 2.81%
Details
Rate History
No change since Oct 20, 2026 · 4.00% APY · checked 5 times
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
3 - 4 Year Business Investment Certificate
$1,000
4.00%
▲ 1.22% above Tennessee avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.78%▲ 1.22% above avgNationally 2.81%
Details
Term: 3 to 4 Years (1,095 to 1,460 days); Early Withdrawal Penalty: 240 Days' Dividends
Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 5 times
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
3 - 4 Year Investment Certificate
$1,000
4.00%
▲ 1.22% above Tennessee avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.78%▲ 1.22% above avgNationally 2.81%
Details
Term: 3 to 4 Years (1,095 to 1,460 days); Early Withdrawal Penalty: 180 Days' Dividends
Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 9 times
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Investment Certificate - 3 to 4 Years
$1,000
4.00%
▲ 1.22% above Tennessee avg
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.78%▲ 1.22% above avgNationally 2.81%
Details
Term: 3 to 4 Years (1,095 to 1,460 days); Early Withdrawal Penalty: 180 Days' Dividends
Rate History
No change since Oct 26, 2026 · 4.00% APY · checked 2 times
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
Regular, Business and / or IRA Share Certificate - 48 Months
$1,000
3.97%
▲ 1.19% above Tennessee avg
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.78%▲ 1.19% above avgNationally 2.81%
Details
Rate History
No change since Oct 8, 2026 · 3.97% APY · checked 5 times
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
48 Month Certificate Account
$0
3.95%
▲ 1.17% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.78%▲ 1.17% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70%
- Oct 1, 20263.95%▲ from 3.70%
- Sep 14, 20263.70%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
48 Month Traditional and Roth IRA Certificate
$0
3.85%
▲ 1.07% above Tennessee avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.78%▲ 1.07% above avgNationally 2.81%
Details
Rate History
No change since Oct 23, 2026 · 3.85% APY · checked 2 times
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 48 Months Fixed
$1,000
3.85%
▲ 1.07% above Tennessee avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.78%▲ 1.07% above avgNationally 2.81%
Details
Compounding: Dividend Rate Compounding 3.80%, APY Compounding 3.85%
Rate History
2 changes since Sep 14, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65%
- Oct 4, 20263.85%▲ from 3.75%
- Sep 18, 20263.75%▲ from 3.65%
- Sep 14, 20263.65%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Traditional and Roth IRA Certificate - 48 Months Fixed
$0
3.85%
▲ 1.07% above Tennessee avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.78%▲ 1.07% above avgNationally 2.81%
Details
Rate History
No change since Oct 12, 2026 · 3.85% APY · checked 3 times
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
4 Year Share Certificate
$0
3.82%
▲ 1.04% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.78%▲ 1.04% above avgNationally 2.81%
Details
Balance: $1,000 - $74,999; Effective 10/1/2026
Rate History
1 change since Sep 21, 2026 · 3.55% → 3.82% ▲ 0.27 pts · high 3.82% / low 3.55%
- Oct 9, 20263.82%▲ from 3.55%
- Sep 21, 20263.55%first recorded
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
48 Month IRA Certificate of Deposit
$100
3.80%
▲ 1.02% above Tennessee avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Tennessee Average2.78%▲ 1.02% above avgNationally 2.81%
Details
IRA APY; Minimum to open IRA certificates $100; Penalty will be imposed for early withdrawal
Rate History
No change since Oct 14, 2026 · 3.80% APY · checked 3 times
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 48 Months Fixed
$1,000
3.80%
▲ 1.02% above Tennessee avg
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.78%▲ 1.02% above avgNationally 2.81%
Details
Non-Compounding: Dividend Rate Non-Compounding 3.80%, APY Non-Compounding 3.80%
Rate History
3 changes since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.85% / low 3.65%
- Oct 28, 20263.80%▼ from 3.85%
- Oct 4, 20263.85%▲ from 3.75%
- Sep 18, 20263.75%▲ from 3.65%
- Sep 14, 20263.65%first recorded
New South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
48 Month Certificate
$0
3.80%
▲ 1.02% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.78%▲ 1.02% above avgNationally 2.81%
Details
Minimum and maximum balance requirements may apply
Rate History
1 change since Sep 21, 2026 · 3.25% → 3.80% ▲ 0.55 pts · high 3.80% / low 3.25%
- Oct 9, 20263.80%▲ from 3.25%
- Sep 21, 20263.25%first recorded
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
48 Month Certificate of Deposit
$1,000
3.75%
▲ 0.97% above Tennessee avg
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 27, 2026
Tennessee Average2.78%▲ 0.97% above avgNationally 2.81%
Details
Minimum to open certificates of deposit $1,000; Penalty will be imposed for early withdrawal
Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 5 times
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Member's Choice Share Certificate - 48 Months Fixed
$0
3.75%
▲ 0.97% above Tennessee avg
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.78%▲ 0.97% above avgNationally 2.81%
Details
Compounding: Dividend Rate Compounding 3.70%, APY Compounding 3.75%
Rate History
2 changes since Sep 14, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
- Oct 4, 20263.75%▲ from 3.65%
- Sep 18, 20263.65%▲ from 3.55%
- Sep 14, 20263.55%first recorded
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
48 Month Certificate
$1,000
3.75%
▲ 0.97% above Tennessee avg
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.78%▲ 0.97% above avgNationally 2.81%
Details
Paid monthly
Rate History
1 change since Sep 14, 2026 · 3.40% → 3.75% ▲ 0.35 pts · high 3.75% / low 3.40%
- Oct 5, 20263.75%▲ from 3.40%
- Sep 14, 20263.40%first recorded
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
4 Year Certificate
$500
3.75%
▲ 0.97% above Tennessee avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.78%▲ 0.97% above avgNationally 2.81%
Details
Rate History
1 change since Sep 14, 2026 · 3.25% → 3.75% ▲ 0.50 pts · high 3.75% / low 3.25%
- Oct 30, 20263.75%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Memphis 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1451 Madison Ave, Memphis, TN 38104
60 Month Jumbo Share Certificates (CDs)
$1,000
4.95%
▲ 2.01% above Tennessee avg
▼
Rate4.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.94%▲ 2.01% above avgNationally 2.92%
Details
Jumbo rate; standard jumbo rates available on deposits of $95,000 or more
Rate History
No change since Oct 26, 2026 · 4.95% APY · checked 2 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
5 Year Retirement Liquid Share Certificate
$0
4.10%
▲ 1.16% above Tennessee avg
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.94%▲ 1.16% above avgNationally 2.92%
Details
Balance: $100,000.00 and over
Rate History
No change since Oct 26, 2026 · 4.10% APY · checked 2 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Retirement Liquid Share Certificate - 5 Year
$0
4.05%
▲ 1.11% above Tennessee avg
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.94%▲ 1.11% above avgNationally 2.92%
Details
Balance: $50,000.00 - $99,999.99
Rate History
No change since Oct 26, 2026 · 4.05% APY · checked 2 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
5 Year Retirement Liquid Share Certificate
$0
4.00%
▲ 1.06% above Tennessee avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.94%▲ 1.06% above avgNationally 2.92%
Details
Balance: $10,000.00 - $49,999.99
Rate History
No change since Oct 26, 2026 · 4.00% APY · checked 2 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Share Certificates - 5 Years
$0
4.00%
▲ 1.06% above Tennessee avg
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.94%▲ 1.06% above avgNationally 2.92%
Details
Balance: $100,000 and over
Rate History
No change since Oct 26, 2026 · 4.00% APY · checked 2 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Traditional/Roth IRA Certificate - 5 Year
$100,000
4.00%
▲ 1.06% above Tennessee avg
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.94%▲ 1.06% above avgNationally 2.92%
Details
Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 5 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Share Certificates - 5 Years
$0
3.95%
▲ 1.01% above Tennessee avg
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.94%▲ 1.01% above avgNationally 2.92%
Details
Balance: $50,000 - $99,999.99
Rate History
No change since Oct 26, 2026 · 3.95% APY · checked 2 times
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5150 Stage Rd Ste 102, Memphis, TN 38134 3169
Share Certificates - 5 Years
$0
3.90%
▲ 0.96% above Tennessee avg
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.94%▲ 0.96% above avgNationally 2.92%
Details
Balance: $1,000 - $49,999.99
Rate History
No change since Oct 26, 2026 · 3.90% APY · checked 2 times
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
3155 Millbranch Rd, Memphis, TN 38116 1917
Share Certificates (CDs) - 60 Months
$0
3.50%
▲ 0.56% above Tennessee avg
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.94%▲ 0.56% above avgNationally 2.92%
Details
Minimum $500 balance. Early withdrawal fees apply.
Rate History
No change since Oct 19, 2026 · 3.50% APY · checked 3 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
165 Madison Ave, Memphis, TN 38103
CD - 60 Month
$0
3.41%
▲ 0.47% above Tennessee avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.94%▲ 0.47% above avgNationally 2.92%
Details
Rate History
No change since Oct 20, 2026 · 3.41% APY · checked 3 times
Kimberly Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
1520 N 2nd St, Memphis, TN 38107 1004
60 Month Share Certificate
$0
3.00%
▲ 0.06% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.94%▲ 0.06% above avgNationally 2.92%
Details
Also offered as IRA Share Certificate; Rates effective 9/30/2026 through 10/13/2026; for certificates purchased through 10/13/2026
Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1451 Madison Ave, Memphis, TN 38104
60 Month Share Certificates (CDs)
$1,000
2.94%
At Tennessee avg
▼
Rate2.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.94%At the averageNationally 2.92%
Details
Rate History
1 change since Sep 18, 2026 · 2.66% → 2.94% ▲ 0.28 pts · high 2.94% / low 2.66%
- Oct 13, 20262.94%▲ from 2.66%
- Sep 18, 20262.66%first recorded
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
1451 Madison Ave, Memphis, TN 38104
IRA 60-Month Certificate
$0
2.94%
At Tennessee avg
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.94%At the averageNationally 2.92%
Details
Individual Retirement Accounts; Rates as of 10/1/26
Rate History
1 change since Sep 14, 2026 · 2.66% → 2.94% ▲ 0.28 pts · high 2.94% / low 2.66%
- Oct 9, 20262.94%▲ from 2.66%
- Sep 14, 20262.66%first recorded
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
3670 Hacks Cross Rd, Memphis, TN 38125
60 Month Share Certificate
$0
2.75%
▼ 0.19% below Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.94%▼ 0.19% below avgNationally 2.92%
Details
Balance: $50,000 & up; Dividends Paid Monthly
Rate History
No change since Sep 18, 2026 · 2.75% APY · checked 9 times
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
3950 Austin Peay Hwy, Memphis, TN 38128
Certificate of Deposit (CDs) - 60 Months
$500
2.50%
▼ 0.44% below Tennessee avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Tennessee Average2.94%▼ 0.44% below avgNationally 2.92%
Details
Minimum balance to obtain APY: $500.00
Rate History
No change since Oct 21, 2026 · 2.50% APY · checked 2 times
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
1616 Whitten Rd, Memphis, TN 38134
IRA Certificate 60 Months
$0
2.30%
▼ 0.64% below Tennessee avg
▼
Rate2.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.94%▼ 0.64% below avgNationally 2.92%
Details
Penalty for early withdrawal: 90 days dividend
Rate History
No change since Oct 12, 2026 · 2.30% APY · checked 4 times
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
7974 Centennial Dr, Memphis, TN 38125 2376
60 Month Share Certificates
$0
2.30%
▼ 0.64% below Tennessee avg
▼
Rate2.28%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.94%▼ 0.64% below avgNationally 2.92%
Details
Minimum Balance: $50,000
Rate History
No change since Sep 14, 2026 · 2.30% APY · checked 7 times
FedTrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
167 N Main St Ste 102, Memphis, TN 38103 1867
Certificate - 5 Years
$0
2.27%
▼ 0.67% below Tennessee avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.94%▼ 0.67% below avgNationally 2.92%
Details
Quarterly Paid Dividends
Rate History
No change since Sep 14, 2026 · 2.27% APY · checked 4 times
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
1616 Whitten Rd, Memphis, TN 38134
60 Month Share Certificate
$0
2.25%
▼ 0.69% below Tennessee avg
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.94%▼ 0.69% below avgNationally 2.92%
Details
Rate History
No change since Sep 25, 2026 · 2.25% APY · checked 6 times
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
6029 Walnut Grove Rd, Memphis, TN 38120
Investment Certificates - 60 Months IRA SC
$0
2.25%
▼ 0.69% below Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.94%▼ 0.69% below avgNationally 2.92%
Details
IRA
Rate History
No change since Oct 12, 2026 · 2.25% APY · checked 4 times
HealthNet Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
6029 Walnut Grove Rd, Memphis, TN 38120
Investment Certificates - 60 Months SC
$0
2.25%
▼ 0.69% below Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.94%▼ 0.69% below avgNationally 2.92%
Details
Rate History
No change since Oct 12, 2026 · 2.25% APY · checked 4 times
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
7974 Centennial Dr, Memphis, TN 38125 2376
60 Month Share Certificates
$0
2.20%
▼ 0.74% below Tennessee avg
▼
Rate2.18%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.94%▼ 0.74% below avgNationally 2.92%
Details
Minimum Balance: $500
Rate History
No change since Sep 14, 2026 · 2.20% APY · checked 7 times
FedTrust Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
167 N Main St Ste 102, Memphis, TN 38103 1867
Certificate/IRA - 5 Years
$0
2.02%
▼ 0.92% below Tennessee avg
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.94%▼ 0.92% below avgNationally 2.92%
Details
Quarterly Paid Dividends
Rate History
2 changes since Sep 14, 2026 · 2.02% → 2.02% ▼ 0.00 pts · high 2.02% / low 2.00%
- Oct 23, 20262.02%▲ from 2.00%
- Oct 15, 20262.00%▼ from 2.02%
- Sep 14, 20262.02%first recorded
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
3155 Millbranch Rd, Memphis, TN 38116 1917
60 Month IRA Certificates
$0
1.75%
▼ 1.19% below Tennessee avg
▼
Rate1.74%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.94%▼ 1.19% below avgNationally 2.92%
Details
Minimum $500 balance; Early withdrawal fees apply
Rate History
No change since Oct 26, 2026 · 1.75% APY · checked 2 times
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
165 Madison Ave, Memphis, TN 38103
60 Month Regular CD Account
$0
0.10%
▼ 2.84% below Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.94%▼ 2.84% below avgNationally 2.92%
Details
Type: Regular; Next Steps: Open Now
Rate History
No change since Oct 20, 2026 · 0.10% APY · checked 3 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1895 Union Ave, Memphis, TN 38104
60 Month Personal Certificate of Deposit
$0
0.05%
▼ 2.89% below Tennessee avg
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.94%▼ 2.89% below avgNationally 2.92%
Details
Same rate for all terms 7 days - 60 months; Standard interest rates for all balances ($0.01+); Minimum opening deposit $2,500 for terms from 7 to 31 days; $1,000 for terms from 32 days to 60 months; Rates are accurate as of 5/12/2026
Rate History
No change since Oct 23, 2026 · 0.05% APY · checked 3 times
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
60 Month Certificate of Deposit
$0
5.00%
▲ 2.06% above Tennessee avg
▼
Rate5.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.94%▲ 2.06% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 5.00% ▲ 1.50 pts · high 5.00% / low 3.50%
- Oct 26, 20265.00%▲ from 3.50%
- Sep 14, 20263.50%first recorded
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
60 Month IRA
$0
5.00%
▲ 2.06% above Tennessee avg
▼
Rate5.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.94%▲ 2.06% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.50% → 5.00% ▲ 1.50 pts · high 5.00% / low 3.50%
- Oct 26, 20265.00%▲ from 3.50%
- Sep 14, 20263.50%first recorded
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
IRA 5 Year Certificate
$0
4.28%
▲ 1.34% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.94%▲ 1.34% above avgNationally 2.92%
Details
Balance: $100,000 and over; Jumbo IRA
Rate History
No change since Sep 14, 2026 · 4.28% APY · checked 11 times
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Roth IRA 5 Year Certificate
$0
4.28%
▲ 1.34% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.94%▲ 1.34% above avgNationally 2.92%
Details
Balance: $100,000 and over; Jumbo IRA
Rate History
No change since Sep 14, 2026 · 4.28% APY · checked 11 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificate of Deposit - 60 Month
$1,000
4.25%
▲ 1.31% above Tennessee avg
▼
Rate4.16%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Tennessee Average2.94%▲ 1.31% above avgNationally 2.92%
Details
Partial withdrawals allowed; APY as of 10/20/2026
Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 3 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 60 Month
$1,000
4.25%
▲ 1.31% above Tennessee avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Tennessee Average2.94%▲ 1.31% above avgNationally 2.92%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 21, 20264.25%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts - 60-Month
$1,000
4.25%
▲ 1.31% above Tennessee avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Tennessee Average2.94%▲ 1.31% above avgNationally 2.92%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 0.50 pts · high 4.25% / low 3.75%
- Oct 7, 20264.25%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA Certificate - 60-Month
$1,000
4.25%
▲ 1.31% above Tennessee avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Tennessee Average2.94%▲ 1.31% above avgNationally 2.92%
Details
Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.
Rate History
No change since Oct 21, 2026 · 4.25% APY · checked 3 times
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 60 Months Fixed
$100,000
4.23%
▲ 1.29% above Tennessee avg
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.94%▲ 1.29% above avgNationally 2.92%
Details
Compounding: Dividend Rate Compounding 4.15%, APY Compounding 4.23%
Rate History
2 changes since Sep 14, 2026 · 4.02% → 4.23% ▲ 0.21 pts · high 4.23% / low 4.02%
- Oct 4, 20264.23%▲ from 4.13%
- Sep 18, 20264.13%▲ from 4.02%
- Sep 14, 20264.02%first recorded
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
5 Year Certificate
$0
4.23%
▲ 1.29% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.94%▲ 1.29% above avgNationally 2.92%
Details
Jumbo Certificate; Balance: $100,000.00 and over
Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 7 times
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
IRA 5 Year Certificate
$0
4.23%
▲ 1.29% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.94%▲ 1.29% above avgNationally 2.92%
Details
Balance: $500 - $99,999.99; Regular IRA
Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 11 times
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Roth IRA 5 Year Certificate
$0
4.23%
▲ 1.29% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.94%▲ 1.29% above avgNationally 2.92%
Details
Balance: $500 - $99,999.99; Regular IRA
Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 11 times
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
5 Year Certificate
$0
4.18%
▲ 1.24% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.94%▲ 1.24% above avgNationally 2.92%
Details
Regular Certificate; Balance: $500.00 - $99,999.99
Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 7 times
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 60 Months Fixed
$100,000
4.15%
▲ 1.21% above Tennessee avg
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.94%▲ 1.21% above avgNationally 2.92%
Details
Non-Compounding: Dividend Rate Non-Compounding 4.15%, APY Non-Compounding 4.15%
Rate History
3 changes since Sep 14, 2026 · 4.02% → 4.15% ▲ 0.13 pts · high 4.23% / low 4.02%
- Oct 28, 20264.15%▼ from 4.23%
- Oct 4, 20264.23%▲ from 4.13%
- Sep 18, 20264.13%▲ from 4.02%
- Sep 14, 20264.02%first recorded
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
60 Month Certificate Account
$0
4.15%
▲ 1.21% above Tennessee avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.94%▲ 1.21% above avgNationally 2.92%
Details
Dividend Compound: Monthly; 0.25% new money/direct deposit addition may apply
Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 5 times
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
60 Month IRA Certificate Account
$0
4.15%
▲ 1.21% above Tennessee avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.94%▲ 1.21% above avgNationally 2.92%
Details
Dividend Compound: Monthly
Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 5 times
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Business Certificate Accounts - 60 Month Certificate Account
$0
4.15%
▲ 1.21% above Tennessee avg
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.94%▲ 1.21% above avgNationally 2.92%
Details
Dividend Compound: Monthly
Rate History
No change since Oct 14, 2026 · 4.15% APY · checked 3 times
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
Regular, Business and / or IRA Share Certificate - 60 Months
$1,000
4.07%
▲ 1.13% above Tennessee avg
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.94%▲ 1.13% above avgNationally 2.92%
Details
Rate History
No change since Oct 8, 2026 · 4.07% APY · checked 5 times
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
60 Month Certificate Account
$0
4.05%
▲ 1.11% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.94%▲ 1.11% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.80% → 4.05% ▲ 0.25 pts · high 4.05% / low 3.80%
- Oct 1, 20264.05%▲ from 3.80%
- Sep 14, 20263.80%first recorded
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
4 - 5 Year Business Investment Certificate - Jumbo
$100,000
4.05%
▲ 1.11% above Tennessee avg
▼
Rate3.98%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.94%▲ 1.11% above avgNationally 2.92%
Details
Term: 4 to 5 Years (1,461 to 1,825 days); Jumbo ($100k minimum); Early Withdrawal Penalty: 240 Days' Dividends
Rate History
No change since Oct 14, 2026 · 4.05% APY · checked 4 times
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
4 - 5 Year Jumbo Investment Certificate
$100,000
4.05%
▲ 1.11% above Tennessee avg
▼
Rate3.98%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.94%▲ 1.11% above avgNationally 2.92%
Details
$100k; Term: 4 to 5 Years (1,461 to 1,825 days); Early Withdrawal Penalty: 180 Days' Dividends
Rate History
No change since Oct 26, 2026 · 4.05% APY · checked 2 times
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
5 Year Business Investment Certificate - Jumbo
$100,000
4.05%
▲ 1.11% above Tennessee avg
▼
Rate3.98%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.94%▲ 1.11% above avgNationally 2.92%
Details
Term: 5 Years (1,826 to 2,190 days); Jumbo ($100k minimum); Early Withdrawal Penalty: 240 Days' Dividends
Rate History
No change since Oct 14, 2026 · 4.05% APY · checked 4 times
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
5 Year Jumbo Investment Certificate
$100,000
4.05%
▲ 1.11% above Tennessee avg
▼
Rate3.98%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.94%▲ 1.11% above avgNationally 2.92%
Details
$100k; Term: 5 Years (1,826 to 2,190 days); Early Withdrawal Penalty: 180 Days' Dividends
Rate History
No change since Oct 26, 2026 · 4.05% APY · checked 2 times
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
Investment Certificate - 4 to 5 Years - Jumbo
$100,000
4.05%
▲ 1.11% above Tennessee avg
▼
Rate3.98%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.94%▲ 1.11% above avgNationally 2.92%
Details
$100k; Term: 4 to 5 Years (1,461 to 1,825 days); Jumbo ($100k Minimum); Early Withdrawal Penalty: 180 Days' Dividends
Rate History
No change since Oct 26, 2026 · 4.05% APY · checked 2 times
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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.
Memphis, TN CD Rate Trends
Compare local Memphis, 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
3.139%
▲ 0.019 vs 7 days ago
Tennessee 12-month CD rates rose 0.019 points over the past 7 days to 3.139% APY.
6-Month CD TN Avg
2.834%
▲ 0.011 vs 7 days ago
Tennessee 6-month CD rates rose 0.011 points over the past 7 days to 2.834% APY.
As of Oct 31, 2026 • Rate data sourced from 8,500+ monitored institutions
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TN CD Rate Forecast, Next 12 Months
Where are Tennessee CD rates headed through October 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
TN 12-Month Avg APY
3.139%
6-Month Forecast
3.139%
Range: 2.94%, 3.29%
12-Month Forecast
3.389%
Range: 3.19%, 3.54%
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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 | 1.792% | $89.59 | $179.18 | $447.95 | $895.90 |
| 6-Month CD | 2.834% | $141.71 | $283.42 | $708.55 | $1,417.10 |
| 12-Month CD | 3.139% | $156.97 | $313.94 | $784.85 | $1,569.70 |
| 18-Month CD | 2.918% | $145.88 | $291.75 | $729.38 | $1,458.75 |
| 24-Month CD | 3.005% | $150.25 | $300.49 | $751.23 | $1,502.45 |
| 36-Month CD | 2.825% | $141.25 | $282.50 | $706.25 | $1,412.50 |
| 48-Month CD | 2.779% | $138.97 | $277.94 | $694.85 | $1,389.70 |
| 60-Month CD | 2.935% | $146.76 | $293.51 | $733.78 | $1,467.55 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 31, 2026. | |||||
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Sample CD Ladder for Memphis, 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 | 1.792% | $89.59 |
| 2 | 6-Month CD | $5,000 | 2.834% | $141.71 |
| 3 | 12-Month CD | $5,000 | 3.139% | $156.97 |
| 4 | 24-Month CD | $5,000 | 3.005% | $150.25 |
| 5 | 36-Month CD | $5,000 | 2.825% | $141.25 |
| Total ($25,000 invested) | $25,000 | 2.719% blended | $679.77/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.
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1,176
CD Rates
Tracked in Memphis, Tennessee
Tracked in Memphis, Tennessee
31 Banks
78 Credit Unions
About Our Memphis, Tennessee CD Rate Database
MonitorBankRates tracks 1,176 CD rates from 31 banks and 78 credit unions with locations in Memphis, 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 to 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: Hope Federal Credit Union Jackson, MS offers a CD at 4.95% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Memphis, Tennessee.
How to Find the Best CD Rates in Memphis, Tennessee
What to compare when shopping for a CD in Memphis, Tennessee
To find the best APYs in Memphis, Tennessee, start with credit unions and online-only banks: Memphis, Tennessee has 78 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 Memphis, 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 Memphis, Tennessee: 109 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Memphis, Tennessee savings rates instead
- Rates are rising and you want to benefit: a variable-rate savings or money market account keeps pace
- You want check-writing access. Compare Memphis, Tennessee money market rates
Memphis, Tennessee Financial Snapshot
Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024
Population 65+
14.4%
National avg: 17.3%
Median Individual Earnings
$36,624
National avg: $47,340
Poverty Rate
23.1%
National avg: 11.1%
Unemployment Rate
8.3%
National avg: 4.8%
CD Earnings on 10% of Salary
$115/yr
At TN 12-mo avg 3.139% APY
14.4% of residents are 65 or older, below the national average of 17.3%; an unemployment rate of 8.3% (vs. 4.8% nationally) underscores the value of a guaranteed fixed return. At today’s TN 12-month CD average of 3.139%, saving 10% of the local median salary ($3,662/year) and putting it in a CD would earn an additional $115 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 Memphis, 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 to 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 |
CD Product Information
How CDs Work
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 Memphis, 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 Memphis, Tennessee as everywhere in the U.S.
CD Terms
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Memphis, Tennessee savers easier access to their funds. For example, Memphis City Employees Credit Union is offering its 6 Month CD at 4.06% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Hope Federal Credit Union Jackson, MS is offering its 60 Month Jumbo Share Certificates (CDs) at 4.95% 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
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 Memphis, 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
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 Memphis, 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
Most CDs carry a fixed rate that is locked for the entire term, protecting a Memphis, 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 Memphis, Tennessee
What are CD rates in Memphis, Tennessee today?
Memphis, Tennessee CD rates range from 0.01% to 5.00% APY as of October 31, 2026, verified by MonitorBankRates. Top rates include 4.95% APY at Hope Federal Credit Union Jackson, MS (60 Month Jumbo Share Certificates (CDs)), 4.25% at Financial Federal Bank (24 Month CD) and 4.10% at Firefighters First Federal Credit Union (2 Year Retirement Liquid Share Certificate), compared with the MonitorBankRates national 12 month average of 3.01% APY.
Are CD rates in Memphis, Tennessee FDIC insured?
Yes, most established banks in Memphis, 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 Memphis, 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 Memphis, 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 Memphis, 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 Memphis, Tennessee?
Here are recent top rates found for this area:
- Hope Federal Credit Union Jackson, MS: 4.95% APY (60 Month Jumbo Share Certificates (CDs))
- Financial Federal Bank: 4.25% APY (24 Month CD)
- Firefighters First Federal Credit Union: 4.10% APY (2 Year Retirement Liquid Share Certificate)
- First National Bank of Eastern Arkansas: 4.07% APY (1 Year CD)
- Memphis City Employees Credit Union: 4.06% APY (6 Month CD)
- FedEx Employees Credit Association Federal Credit Union: 4.00% APY (12 Month Share Certificate)
- Kimberly Clark Credit Union: 3.95% APY (12 Month Share Certificate)
- LG&W Federal Credit Union: 3.75% APY (6 Month Share Certificate)
- Simmons Bank: 3.65% APY (6-month CD)
- Nucor Employees Credit Union: 3.60% APY (12 Month Share Certificate)
Rates reflect recent verified offers available in Memphis, Tennessee. Last Updated: October 31, 2026
Memphis, Tennessee CD Calculator
See exactly what a CD will earn by maturity. Enter your deposit, pick a term, and set the APY, or click any current Memphis, Tennessee rate on the right to apply that term and rate instantly. CD rates are fixed for the full term.
Interest at Maturity
$0
Ending Balance
$0
Matures
Assumes the APY is held to maturity with interest compounding and remaining in the CD. Early withdrawals typically forfeit 30 to 180 days of interest. Estimates are for informational purposes only.
CD Calculators for Memphis, Tennessee
Memphis, Tennessee CD Calculator
At today’s TN top rate of 4.95% APY, a $10,000 deposit earns $495 in the first year. Enter your amount to see your exact return.
Memphis, Tennessee CD LadderTN CD rates currently range from 1.792% (3-month) to 2.825% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Memphis, Tennessee CD at 4.95% APY, know your exit cost. Most institutions charge 90 to 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 3.139% 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 Memphis, 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 Memphis, 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 Memphis, 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: October 31, 2026
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