Milton, Tennessee CD Rates Today - Compare Best APYs for May 2026
Content reviewed by
Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Milton, Tennessee CD rates include Nashville Firemens Credit UnionNashville Firemens Credit UnionA+5.0 ★Texas Ratio: 5.11%Real return: +1.72%APY minus CPI (February 2026) offering IRA Term Account 12 Months at 4.52% APY, BCBST Employees Credit UnionBCBST Employees Credit UnionA+5.0 ★Texas Ratio: 0.00%Real return: +1.36%APY minus CPI (February 2026) offering 180 Days Share Certificate at 4.16% APY, Firefighters First Federal Credit UnionFirefighters First Federal Credit UnionA+5.0 ★Texas Ratio: 1.58%Real return: +1.30%APY minus CPI (February 2026) offering Dream Home Share Certificate 2 Year Retirement Share Certificate at 4.10% APY, Collegedale Credit UnionCollegedale Credit UnionA5.0 ★Texas Ratio: 9.57%Real return: +1.27%APY minus CPI (February 2026) offering 6 Months Term Share Certificates at 4.07% APY, and Chattanooga Federal Employees Credit UnionChattanooga Federal Employees Credit UnionA+5.0 ★Texas Ratio: 3.71%Real return: +1.26%APY minus CPI (February 2026) offering 12 Months Certificate at 4.06% APY. CD rates as of May 15, 2026 according to verified data from MonitorBankRates.
Milton is a smaller community with no bank or credit union branches currently in our database. 569 institutions serving the Tennessee area are available to Milton residents, with CD rates as high as 4.52% APY from Nashville Firemens Credit Union. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: May 15, 2026
Compare Best CD Rates in Milton, Tennessee & the Surrounding Area
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Regular, Business and / or IRA Share Certificate 3 Months
$1,000
3.66%
▼
Rate3.60%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
Share Certificate Account 3 Months
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Veritas Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.95%
3 Months Certificates
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
3 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
3 Month Certificates of Deposit (Regular & IRAs)
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
3 Month Certificate (quarterly dividends) Regular Certificate
$500
3.05%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
3 Month Share Certificate
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
3-Month Certificate
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
$500 to $24,999
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
3 Months CDs (Certificates) and IRAs
$0
2.18%
▼
Rate2.16%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
1 - 3 Month CD
$1,000
1.76%
▼
Rate1.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
Build IT CDs 3 Months
$100
1.17%
▼
Rate1.17%
Min Deposit$100
Min Balance—
UpdatedMay 12, 2026
Details
Build IT CDs can accept additional deposits at any time via direct deposit, a branch transaction, or ACH. Once the Build-IT CD has reached a balance greater than $999.99, it will be rolled into a regular CD of the same term. Penalties for early withdrawals may apply. Rates are subject to change without notice, please see for complete details.
Collegedale Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
3 Months Term Share Certificates
$0
1.06%
▼
Rate1.05%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
90 Day
$500
0.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Alcoa Tenn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
3 Month
$1,000
0.25%
▼
Rate0.25%
Min Deposit$1,000
Min Balance—
UpdatedApr 17, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
Term Share Certificates 90 Day
$0
0.20%
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
$500 Minimum. Loss of dividend penalty for early withdrawal.
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate Relationship
$2,500
0.06%
▼
Rate0.06%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Early withdrawal penalties may apply
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3 month Standard Fixed Rate CD
$2,500
0.05%
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
180 Days Share Certificate
$1,000
4.16%
▼
Rate4.10%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Collegedale Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.57%
6 Months Term Share Certificates
$0
4.07%
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
SouthEast Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.66%
6-Month CD Special
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Business Share Certificates 6 Months
$0
3.90%
▼
Rate3.86%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
A penalty applies for early withdrawal.
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Share Certificates 6 Months
$1,000
3.90%
▼
Rate3.86%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.28%
6-Month Share Certificate
$500
3.90%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
6 Month CD
$1,000
3.80%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 6 Month IRA
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
6 Months Certificate Accounts/Business Certificate Accounts
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
6 Month Share Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
6 Months Share Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
IRA Account 6 Months
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
6 Month Share Certificate
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
6 Months Share Certificates
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 6 Month IRA
$0
3.70%
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
6 Month Share Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
6 Months Share Certificates
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 6 Month IRA
$0
3.65%
▼
Rate3.59%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Bowater Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
6-month Term Share Account (TSA)
$0
3.63%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
Term Share Certificates 6 Month
$0
3.60%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
$500 Minimum. Early withdrawal penalty = 90 days dividend, earned or not.
Johnsonville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
6 Month Certificate
$1,000
3.58%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
Share Certificate Account 6 Months
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
New Money Only
Outreach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
6 Months
$1,000
3.50%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
Term Share Certificates 6 Month
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
$500 Minimum. One withdrawal with no penalty - all subsequent withdrawals incur a 90 day dividend penalty.
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
6 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
6-Month Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
$500 to $24,999
Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
6 Month Share Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
6 Month Share Certificates
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
6 Month Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
IRA Certificates 6 months
$500
3.49%
▼
Rate3.45%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Regular, Business and / or IRA Share Certificate 6 Months
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Kimberly Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
6 Month Share Certificate and IRA Share Certificate
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Veritas Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.95%
6 Months Certificates
$0
3.44%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Heritage South Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
6 Month Certificate
$0
3.43%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
6 Month Certificate (quarterly dividends) Regular Certificate
$500
3.38%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
6 Month Share Certificate
$0
3.34%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Holley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
Share Certificates 6 months
$1,000
3.34%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
6 Month Certificate (monthly dividends) Regular Certificate
$500
3.20%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Value Plus 6 Month Certificate
$0
3.19%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Value Plus Certificate
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
6 Month Certificates of Deposit (Regular & IRAs)
$0
3.17%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Share Certificate 6 Months Fixed
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
6 Month Share Certificates (CDs)
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
6 Month Certificate Account with Rewards
$500
2.95%
▼
Rate2.95%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Share Certificate 6 Months (Starter) Fixed
$0
2.93%
▼
Rate2.90%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Horizon Credit Union Kingsport, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Certificate-6 Months
$0
2.79%
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Minimum Deposit - $500.00***
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
IRA Term Account 12 Months
$0
4.52%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
12 Months Certificate
$1,000
4.06%
▼
Rate4.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
12 Months
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Share Certificates 12 Months
$1,000
4.00%
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12 Months Share Certificate
$1,000
4.00%
▼
Rate3.95%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
($500 minimum deposit required)
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
($500 minimum deposit required)
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Business Share Certificates 12 Months
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
A penalty applies for early withdrawal.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 1 Year Retirement Share Certificate
$0
3.91%
▼
Rate3.84%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$10,000 - $49,999.99
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.28%
12-Month Share Certificate
$500
3.85%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
12 Month Special Regular Certificate
$5,000
3.85%
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedMay 12, 2026
Details
minimum $5,000 New Money/maximum $250,000
SouthEast Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.66%
12-Month CD Special
$1,000
3.85%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Financial Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.01%
12 Month CD
$1,000
3.85%
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1 Year Rookie Share Certificate
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1 Year Share Certificate
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
1 Year Share Certificates
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
12 Month Share Certificate
$0
3.80%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 1 Year IRA
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
Certificates 1 Year
$0
3.80%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
12 Month Share Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
12 Month Share Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
12 Months Certificate Accounts/Business Certificate Accounts
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
Roth IRA Certificates 12 months
$500
3.70%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
IRA Certificates 12 months
$500
3.70%
▼
Rate3.65%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Kimberly Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
12 Months Share Certificate and IRA Share Certificate
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
IRA 12 Month Certificate
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Regular IRA ($500 - $49,999.99)
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Roth IRA 12 Month Certificate
$0
3.65%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Regular IRA ($500 - $49,999.99)
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
12-Month Certificate
$500
3.65%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
$500 to $24,999
Outreach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
12 Months
$1,000
3.60%
▼
Rate3.55%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
Share Certificate Account 12 Months
$1,000
3.56%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Bowater Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
12-month TSA/IRA
$0
3.56%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Holley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
Share Certificates 12 months
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
12 Month Certificate of Deposit
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
12 Month Certificate (quarterly dividends) Regular Certificate
$500
3.55%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
Term Share Certificates 12 Month
$0
3.55%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
$1,200 Minimum. Early withdrawal penalty = 90 days dividend earned or not.
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
12 Months Certificate
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
IRA Account 12 Months
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
IRA Accumulation Share Certificate 12 Month IRA Variable
$5
3.50%
▼
Rate3.45%
Min Deposit$5
Min Balance—
UpdatedMay 6, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
12 Month Certificate
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
12 Month Certificates
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Regular, Business and / or IRA Share Certificate 12 Months
$500
3.45%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Johnsonville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
12 Month Certificate
$1,000
3.45%
▼
Rate3.45%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Johnsonville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
12 Month Wealth Builder Certificate
$100
3.45%
▼
Rate3.45%
Min Deposit$100
Min Balance—
UpdatedMay 10, 2026
Details
Heritage South Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
12 Month Certificate
$0
3.44%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.73%
12 Months Share Certificates/CDs
$0
3.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
Child Super Saver (12 Months) Share Certificate
$0
3.39%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Veritas Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.95%
12 Months Certificates
$0
3.34%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
IRA Term Account 18 Months
$0
4.24%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 18 Month IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
18 Months IRA Certificates
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Share Certificates 18 Months
$1,000
4.00%
▼
Rate3.94%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Business Share Certificates 18 Months
$0
4.00%
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
A penalty applies for early withdrawal.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 18 Month IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 18 Month IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
18 Months Share Certificate
$1,000
3.90%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
18 Month Retention Special Regular Certificate
$0
3.81%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Maturing certificates only
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
18 Months Certificate
$1,000
3.80%
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.28%
18-Month Share Certificate
$500
3.75%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
18 Months Certificate Accounts/Business Certificate Accounts
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
IRA 18 Month Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Regular IRA ($500 - $49,999.99)
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Roth IRA 18 Month Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Regular IRA ($500 - $49,999.99)
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
18 Month Certificate of Deposit
$0
3.55%
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
18 Month Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
18 Month Certificate (quarterly dividends) Regular Certificate
$500
3.45%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
IRA Certificates 18 months
$500
3.44%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Regular, Business and / or IRA Share Certificate 18 Months
$1,000
3.40%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
18 Month Certificate Account with Rewards
$500
3.35%
▼
Rate3.35%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
Share Certificate Account 18 Months
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Veritas Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.95%
IRA 18 Months
$0
3.29%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
18 Month IRA Fixed
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
18 Month Certificate (monthly dividends) Regular Certificate
$500
3.20%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
18 Month Share Certificate
$0
3.19%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Tennessee State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.56%
Traditional IRA 18 Month CD
$100
3.18%
▼
Rate3.20%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
18 Month Certificate Account
$500
3.15%
▼
Rate3.15%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Veritas Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.95%
18 Months Certificates
$0
3.14%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Johnsonville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
18 Month Certificate
$1,000
3.10%
▼
Rate3.10%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Bowater Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
18-month TSA/IRA
$0
3.04%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
18 Month CD
$1,000
3.03%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
18-Month Certificate
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
$500 to $24,999
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
18 Month Certificates
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Kemba Delta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
18 Months Share Certificates
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details
Kemba Delta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
18 Months Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
18 Month Certificate
$2,500
3.00%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 7, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Share Certificate 18 Months Fixed
$0
2.98%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Traditional IRAs and Roth IRA Certificates 18 Months Fixed
$0
2.98%
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Homeland Community Bank
Institution Rating:
C+4.2 ★Texas Ratio: 24.87%
18 Month CD
$500
2.86%
▼
Rate2.85%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Minimum Opening Deposit $500.00
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
18 Month Certificates of Deposit (Regular & IRAs)
$0
2.85%
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
18 Month Term Certificate Accounts / IRA Certificates
$0
2.85%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.23%
Term Share Certificates 18 Month
$0
2.83%
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
$1,800 Minimum. Early withdrawal penalty = 90 days dividend earned or not.
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
18 Month
$500
2.80%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
18 Month Share Certificate
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
18 Month Share Certificates
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Volunteer State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
*18 Month Variable IRA
$0
2.52%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
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: 1.58%
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2 Years Share Certificates
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 2 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$10,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2 Years Share Certificates
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
2 1/2-Year CD
$0
3.95%
▼
Rate3.95%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
24 Months Share Certificate
$1,000
3.90%
▼
Rate3.85%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2 Years Share Certificates
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Investment Certificate 1 to 2 Years (365 to 729 days) Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Early Withdrawal Penalty: 90 Days' Dividends
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Business Share Certificates 24 Months
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
A penalty applies for early withdrawal.
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Share Certificates 24 Months
$1,000
3.75%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Term - 24 Months*
$0
3.75%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
1 1/2 Year-CD
$0
3.75%
▼
Rate3.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Holley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
Share Certificates 24 months
$1,000
3.75%
▼
Rate3.70%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
24 Months Certificate Accounts/Business Certificate Accounts
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Investment Certificate 1 to 2 Years (365 to 729 days)
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Early Withdrawal Penalty: 90 Days' Dividends
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
IRA 24 Month Certificate
$0
3.66%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Jumbo IRA ($50,000 or more)
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Roth IRA 24 Month Certificate
$0
3.66%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Jumbo IRA ($50,000 or more)
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
IRA 24 Month Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Regular IRA ($500 - $49,999.99)
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Roth IRA 24 Month Certificate
$0
3.55%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Regular IRA ($500 - $49,999.99)
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
24 Months Certificate
$1,000
3.55%
▼
Rate3.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.28%
24-Month Share Certificate
$500
3.50%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
24 Month Certificate Account with Rewards
$500
3.50%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
24 Month Certificate
$0
3.45%
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
IRA Certificates 24 months
$500
3.44%
▼
Rate3.40%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Regular, Business and / or IRA Share Certificate 24 Months
$1,000
3.40%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
24 Month Certificate (quarterly dividends) Regular Certificate
$500
3.40%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
24 Month IRA - Fixed Rate
$500
3.30%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Reward add-ons do not apply.
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
24 Month Certificate Account
$500
3.30%
▼
Rate3.30%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
Share Certificate Account 24 Months
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Outreach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
24 Months
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
2 Year CD
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
24 Month IRA Fixed
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Early withdrawal penalty 120 days
Kimberly Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
24 Months Share Certificate and IRA Share Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Greater Eastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
Certificates of Deposit 24 months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
24 Month Certificate (monthly dividends) Regular Certificate
$500
3.15%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
IRA Term Account 2 Years
$0
3.12%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Share Certificate 24 Months Fixed
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Traditional IRAs and Roth IRA Certificates 24 Months Fixed
$0
3.09%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Veritas Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.95%
24 Months Certificates
$0
3.08%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
24 Months Certificate
$0
3.05%
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
24 Month Share Certificate
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
IRA Account 24 Months
$0
3.00%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
24-Mo Trad/Roth IRA CD
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
24 Month Certificate
$2,500
3.00%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 7, 2026
Details
Johnsonville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
24 Month Certificate
$1,000
3.00%
▼
Rate3.00%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
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: 1.58%
3 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
($500 minimum deposit required)
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Years Share Certificates
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
($500 minimum deposit required)
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 3 Year IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Years Share Certificates
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 3 Year IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
3 Years Share Certificates
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 3 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Investment Certificate 2 to 3 Years (730 to 1,094 days) Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Investment Certificate 2 to 3 Years (730 to 1,094 days)
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
36 Month Certificate Account
$0
3.60%
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
IRA 36 Month Certificate
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Jumbo IRA ($50,000 or more)
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Roth IRA 36 Month Certificate
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Jumbo IRA ($50,000 or more)
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
IRA Certificate Accounts 36 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
36 Months Certificate Accounts/Business Certificate Accounts
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Roth IRA 36 Month Certificate
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Regular IRA ($500 - $49,999.99)
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
IRA 36 Month Certificate
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Regular IRA ($500 - $49,999.99)
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
36 Month Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Regular, Business and / or IRA Share Certificate 36 Months
$1,000
3.35%
▼
Rate3.30%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Veritas Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.95%
IRA 36 Months
$0
3.34%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
36 Month Certificate Regular Certificate
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.61%
Share Certificate Account 36 Months
$1,000
3.30%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
3 Year CD
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMay 15, 2026
Details
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
36 Month IRA Fixed
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Early withdrawal penalty 182 days
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
36 Months Certificate
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
Roth IRA Certificates 36 months
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
IRA Certificates 36 months
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Outreach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
36 Months
$1,000
3.29%
▼
Rate3.25%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.28%
36-Month Share Certificate
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Kimberly Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
36 Months Share Certificate and IRA Share Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Greater Eastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
Certificates of Deposit 36 months
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Traditional IRAs and Roth IRA Certificates 36 Months Fixed
$0
3.19%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Veritas Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.95%
36 Months Certificates
$0
3.19%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Share Certificate 36 Months Fixed
$0
3.19%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Member's Choice Share Certificate 36 Months Fixed
$0
3.19%
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
36 Month Certificate of Deposit
$0
3.10%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
Certificates 36 Months
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
36 Month Share Certificate
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
IRA Term Account 3 Years
$0
3.02%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
3 Year
$500
3.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Beacon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
36 Months Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Homeland Community Bank
Institution Rating:
C+4.2 ★Texas Ratio: 24.87%
36 Month CD
$500
2.80%
▼
Rate2.80%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Minimum Opening Deposit $500.00
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
36 Month Certificate
$2,500
2.75%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 7, 2026
Details
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
IRA 36 Month
$2,500
2.75%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 7, 2026
Details
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
36 Month Certificates
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Investment Certificate 3 to 4 Years (1,095 to 1,460 days) Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Investment Certificate 3 to 4 Years (1,095 to 1,460 days)
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
48 Month Certificate Account
$0
3.70%
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
IRA 48 Month Certificate
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Jumbo IRA ($50,000 or more)
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Roth IRA 48 Month Certificate
$0
3.56%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Jumbo IRA ($50,000 or more)
Greater Eastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
Certificates of Deposit 48 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
48 Months Certificate Accounts/Business Certificate Accounts
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
IRA Certificate Accounts 48 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
IRA 48 Month Certificate
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Regular IRA ($500 - $49,999.99)
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Roth IRA 48 Month Certificate
$0
3.45%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Regular IRA ($500 - $49,999.99)
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Regular, Business and / or IRA Share Certificate 48 Months
$1,000
3.40%
▼
Rate3.35%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
48 Month Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
48 Month Certificate Regular Certificate
$500
3.30%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
IRA Certificates 48 months
$500
3.29%
▼
Rate3.25%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
4 Year
$500
3.25%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Member's Choice Share Certificate 48 Months Fixed
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Share Certificate 48 Months Fixed
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Traditional IRAs and Roth IRA Certificates 48 Months Fixed
$0
3.24%
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
48 Month Share Certificate
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Beacon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
48 Months Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
IRA Term Account 4 Years
$0
2.93%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Homeland Community Bank
Institution Rating:
C+4.2 ★Texas Ratio: 24.87%
48 Month CD
$500
2.75%
▼
Rate2.75%
Min Deposit$500
Min Balance—
UpdatedMay 15, 2026
Details
Minimum Opening Deposit $500.00
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.82%
48 Month Certificates
$0
2.75%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Chattanooga First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.35%
48 Month Certificate
$2,500
2.75%
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 7, 2026
Details
Horizon Credit Union Kingsport, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Certificate-48 Months
$0
2.68%
▼
Rate2.65%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Minimum Deposit - $100,000**
Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
48 Month Share Certificate
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
48 Month Share Certificates
$0
2.65%
▼
Rate2.62%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Horizon Credit Union Kingsport, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Certificate-48 Months
$0
2.57%
▼
Rate2.55%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Minimum Deposit - $1,000
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
48 Month Certificates of Deposit (Regular & IRAs)
$0
2.50%
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Tennessee Members 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
48 Months
$0
2.50%
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Gateway Credit Union
Institution Rating:
B-4.3 ★Texas Ratio: 22.88%
48 Month Term Deposit
$1,000
2.50%
▼
Rate2.50%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
Interest Pays Quarterly
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
48 Month Certificate
$0
2.32%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
48 Months Certificate
$0
2.30%
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
IRA Account 48 Months
$0
2.25%
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Rate2.12%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Rate2.12%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
48-Month Certificate
$500
2.00%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
$500 to $24,999
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.42%
48 Month Share Certificates (CDs)
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
48 Months CDs (Certificates) and IRAs
$0
1.75%
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
48 Month Term Certificate Accounts / IRA Certificates
$0
1.40%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Select Seven Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
48 Months Certificate
$1,000
0.95%
▼
Rate0.95%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
$1,000.00 minimum
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
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: 1.58%
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$100,000 and over
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$50,000 - $99,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5 Year Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5 Years Share Certificates
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Dream Home Share Certificate 5 Year Retirement Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$10,000 - $49,999.99
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 5 Year IRA
$0
4.00%
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5 Year Share Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5 Years Share Certificates
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 5 Year IRA
$0
3.95%
▼
Rate3.88%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
Traditional/Roth IRA Certificates 5 Year IRA
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5 Year Share Certificate
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
5 Years Share Certificates
$0
3.90%
▼
Rate3.83%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
60 Month Certificate Account
$0
3.80%
▼
Rate3.80%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Investment Certificate 4 to 5 Years (1,461 to 1,825 days) Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Investment Certificate 5 Years (1,826 to 2,190 days) Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Investment Certificate 4 to 5 Years (1,461 to 1,825 days)
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Investment Certificate 5 Years (1,826 to 2,190 days)
$0
3.75%
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
IRA 5 Year Certificate
$0
3.61%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Jumbo IRA ($50,000 or more)
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Roth IRA 5 Year Certificate
$0
3.61%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Jumbo IRA ($50,000 or more)
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
IRA Certificates 60 months
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.62%
Roth IRA Certificates 60 months
$500
3.55%
▼
Rate3.50%
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
IRA 5 Year Certificate
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Regular IRA ($500 - $49,999.99)
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Roth IRA 5 Year Certificate
$0
3.51%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Regular IRA ($500 - $49,999.99)
Greater Eastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
Certificates of Deposit 60 months
$0
3.50%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
60 Months Certificate Accounts/Business Certificate Accounts
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
IRA Certificate Accounts 60 Months
$0
3.50%
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.12%
60 Month Certificate of Deposit
$0
3.50%
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
5 Year Certificate Jumbo Certificate
$50,000
3.46%
▼
Rate—
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.48%
Regular, Business and / or IRA Share Certificate 60 Months
$1,000
3.45%
▼
Rate3.40%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
60 Month Certificate
$0
3.40%
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Heritage South Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
60 Month Certificate
$0
3.39%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
5 Year Certificate Regular Certificate
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
5 Year
$500
3.35%
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 12, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Member's Choice Share Certificate 60 Months Fixed
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Share Certificate 60 Months Fixed
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Traditional IRAs and Roth IRA Certificates 60 Months Fixed
$0
3.29%
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Kimberly Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
60 Months Share Certificate and IRA Share Certificate
$0
3.25%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Veritas Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.95%
60 Months Certificates
$0
3.24%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
60-Mo Trad/Roth IRA CD
$2,500
3.20%
▼
Rate3.15%
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details
Horizon Credit Union Kingsport, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Certificate-60 Months
$0
3.14%
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Minimum Deposit - $100,000**
Horizon Credit Union Kingsport, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
Certificate-60 Months
$0
3.03%
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Minimum Deposit - $5,000
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
60 Month Share Certificate
$0
3.03%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Tennessee Members 1st Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.71%
60 Months
$0
3.00%
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Outreach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
60 Months
$1,000
3.00%
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Beacon Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
60 Months Certificate
$0
3.00%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Term - 60 Months*
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Share Certificates 60 Months
$1,000
3.00%
▼
Rate2.97%
Min Deposit$1,000
Min Balance—
UpdatedMay 6, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Business Share Certificates 60 Months
$0
3.00%
▼
Rate2.97%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
A penalty applies for early withdrawal.
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.11%
IRA Term Account 5 Years
$0
2.98%
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Key Takeaways
What to know about CD rates in Milton, Tennessee at a glance.
- APY tells you the real return. Annual Percentage Yield includes the effect of compounding, while a nominal interest rate doesn't — always compare CDs by APY, not the headline rate.
- The highest CD APY available to Milton residents from institutions serving the Tennessee area is 4.52% APY from Nashville Firemens Credit Union. The rate table above ranks every offer we track, sorted by APY.
- Credit unions often post the highest APYs. Their not-for-profit structure and lower overhead let them pass more yield through to depositors than traditional banks, so it's worth comparing offers from both when shopping for the best rate.
- CDs are insured up to $250,000 per depositor, per institution, per ownership category — by the FDIC for banks, the NCUA for credit unions. Watch for early-withdrawal penalties, which typically run 30 to 180 days of interest depending on the term, so only commit funds you won't need before maturity.
Milton, TN CD Rate Trends
Compare local Milton, TN CD rate quotes against the statewide average
Daily CD rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
12-Month CD — TN Avg
2.467%
▲ 0.038 vs 7 days ago
Tennessee 12-month CD rates rose 0.038 points over the past 7 days to 2.467% APY.
6-Month CD — TN Avg
2.174%
▲ 0.036 vs 7 days ago
Tennessee 6-month CD rates rose 0.036 points over the past 7 days to 2.174% APY.
As of May 15, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
TN CD Rate Forecast — Next 12 Months
Where are Tennessee CD rates headed through May 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
TN 12-Month Avg APY
2.467%
6-Month Forecast
2.467%
Range: 2.27% – 2.62%
12-Month Forecast
2.217%
Range: 2.02% – 2.37%
Powered by
MonitorBankRates
What Your Savings Earn at TN CD Rates Today
Annual interest earnings at today’s Tennessee average APYs. State average used where available; national average as fallback.
| CD Term | TN Avg APY | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|---|
| 3-Month CD | 1.581% | $79.06 | $158.12 | $395.30 | $790.60 |
| 6-Month CD | 2.174% | $108.71 | $217.42 | $543.55 | $1,087.10 |
| 12-Month CD | 2.467% | $123.36 | $246.71 | $616.78 | $1,233.55 |
| 18-Month CD | 2.750% | $137.51 | $275.02 | $687.55 | $1,375.10 |
| 24-Month CD | 2.371% | $118.55 | $237.10 | $592.75 | $1,185.50 |
| 36-Month CD | 2.380% | $118.99 | $237.97 | $594.93 | $1,189.85 |
| 48-Month CD | 2.128% | $106.41 | $212.81 | $532.03 | $1,064.05 |
| 60-Month CD | 2.441% | $122.04 | $244.07 | $610.18 | $1,220.35 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of May 15, 2026. | |||||
Sample CD Ladder for Milton, 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 | 1.581% | $79.06 |
| 2 | 6-Month CD | $5,000 | 2.174% | $108.71 |
| 3 | 12-Month CD | $5,000 | 2.467% | $123.36 |
| 4 | 24-Month CD | $5,000 | 2.371% | $118.55 |
| 5 | 36-Month CD | $5,000 | 2.380% | $118.99 |
| Total ($25,000 invested) | $25,000 | 2.195% blended | $548.67/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.
493
CD Rates
Tracked in Milton, Tennessee
Tracked in Milton, Tennessee
21 Banks
50 Credit Unions
About Our Milton, Tennessee CD Rate Database
MonitorBankRates tracks 493 CD rates from 21 banks and 50 credit unions with locations in Milton, Tennessee, plus national online institutions available to Tennessee residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Nashville Firemens Credit Union offers a CD at 4.52% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in Milton, Tennessee.
How to Find the Best CD Rates in Milton, Tennessee
What to compare when shopping for a CD in Milton, Tennessee
To find the best APYs in Milton, Tennessee, start with credit unions and online-only banks — Milton, Tennessee has 50 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 Milton, 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 Milton, Tennessee — 71 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Milton, Tennessee savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Milton, Tennessee money market rates
Tennessee Financial Snapshot
Local demographics and economic context for CD savers — Source: U.S. Census Bureau ACS 2024 (state-level data shown — city data not available)
Population 65+
17.1%
National avg: 17.3%
Median Individual Earnings
$42,418
National avg: $47,340
Poverty Rate
13.8%
National avg: 11.1%
Unemployment Rate
4.7%
National avg: 4.8%
CD Earnings on 10% of Salary
$105/yr
At TN 12-mo avg 2.467% APY
17.1% of residents are 65 or older, in line with the national average of 17.3%. At today’s TN 12-month CD average of 2.467%, saving 10% of the local median salary ($4,241/year) and putting it in a CD would earn an additional $105 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 Milton, Tennessee
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
Frequently Asked Questions about CD Rates in Milton, Tennessee
Are CD rates in Milton, Tennessee FDIC insured?
Yes, most established banks in Milton, 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 Milton, 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 Milton, 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 Milton, 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 Milton, Tennessee?
Here are recent top rates found for this area:
- Nashville Firemens Credit Union: 4.52% APY (IRA Term Account 12 Months)
- BCBST Employees Credit Union: 4.16% APY (180 Days Share Certificate)
- Firefighters First Federal Credit Union: 4.10% APY (Dream Home Share Certificate 2 Year Retirement Share Certificate)
- Collegedale Credit Union: 4.07% APY (6 Months Term Share Certificates)
- Chattanooga Federal Employees Credit Union: 4.06% APY (12 Months Certificate)
- Tennessee Valley Federal Credit Union: 4.00% APY (Share Certificates 12 Months)
- SouthEast Bank: 4.00% APY (6-Month CD Special)
- ORNL: 4.00% APY (36-Month IRA PROMOTIONAL)
- EPB Employees Credit Union: 3.95% APY (2 1/2-Year CD)
- TRUST Federal Credit Union: 3.90% APY (6-Month Share Certificate)
Rates reflect recent verified offers available in Milton, Tennessee. Last Updated: May 15, 2026
CD Calculators for Milton, Tennessee
Milton, Tennessee CD Calculator
At today’s TN top rate of 4.52% APY, a $10,000 deposit earns $452 in the first year. Enter your amount to see your exact return.
Milton, Tennessee CD LadderTN CD rates currently range from 1.581% (3-month) to 2.380% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Milton, Tennessee CD at 4.52% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsTennessee’s average 12-month CD is 2.467% 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 Milton, 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 Milton, 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 Milton, 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: May 15, 2026
Rate Assistant
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