Nashville, Tennessee Best CD Rates October 2026
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Brian McKay
iEditorial Disclosure
Brian McKay
Brian McKay
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The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Nashville, Tennessee CD rates range from 0.01% to 5.00% APY, verified by MonitorBankRates as of October 31, 2026. Current Nashville, Tennessee CD rates include Finworth, a division of InsBankFinworth, a division of InsBank2106 Crestmoor Rd, Nashville, TN 37215A+5.0 ★Texas Ratio: 2.15%Real return: +0.85%APY minus CPIRate verified Oct 30, 2026 offering 2 Year Certificate of Deposit at 4.55% APY, Nashville Firemens Credit UnionNashville Firemens Credit Union908 Woodland St, Nashville, TN 37206A+5.0 ★Texas Ratio: 4.33%Real return: +0.82%APY minus CPIRate verified Oct 29, 2026 offering IRA Term Account - 12 Months at 4.52% APY, City National BankCity National Bank1005 17th Ave S, Nashville, TN 37212A+5.0 ★Texas Ratio: 5.55%Real return: +0.69%APY minus CPIRate verified Oct 31, 2026 offering Special 12-Month Fixed Rate CD at 4.39% APY, US Community Credit UnionUS Community Credit Union89 Hermitage Ave, Nashville, TN 37210A+5.0 ★Texas Ratio: 3.93%Real return: +0.58%APY minus CPIRate verified Oct 30, 2026 offering IRA 5 Year Certificate at 4.28% APY, and Republic Bank & Trust CompanyRepublic Bank & Trust Company2034 Richard Jones Rd, Nashville, TN 37215A+5.0 ★Texas Ratio: 2.91%Real return: +0.55%APY minus CPIRate verified Oct 26, 2026 offering Certificate of Deposit - 60 Month at 4.25% APY. CD rates as of October 31, 2026 according to verified data from MonitorBankRates.
Nashville has 343 local institutions in our database, with CD rates as high as 4.55% APY from Finworth, a division of InsBank at 2106 Crestmoor Rd, Nashville, TN 37215. 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 Nashville, Tennessee & the Surrounding Area
Nashville 3 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Finworth, a division of InsBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
2106 Crestmoor Rd, Nashville, TN 37215
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
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
908 Woodland St, Nashville, TN 37206
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%
2600 Elm Hill Pike, Nashville, TN 37214
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
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
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%
2711 Old Lebanon Pike, Nashville, TN 37214
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%
1701 21st Ave s, Nashville, TN 37212 3703
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%
89 Hermitage Ave, Nashville, TN 37210
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
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
511 Union St, Nashville, TN 37219
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
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
1005 17th Ave S, Nashville, TN 37212
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%
3200 West End Ave, Nashville, TN 37203
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%
1400 8TH Ave S, NASHVILLE, TN 37203 5007
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
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
1211 51st Ave N, Nashville, TN 37209 2120
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 South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
1211 51st Ave N, Nashville, TN 37209 2120
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
The Tennessee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1400 8TH Ave S, NASHVILLE, TN 37203 5007
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
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
1314 Vultee Blvd, Nashville, TN 37217
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
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
10 Rachel Dr, Nashville, TN 37214
Share Certificate - 3 Months
$0
0.10%
▼ 1.69% below Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average1.79%▼ 1.69% below avgNationally 2.13%
Details
Share Certificates; penalty for early withdrawal may apply; no additional deposits allowed until end of term; dividends compounded monthly
Rate History
No change since Oct 26, 2026 · 0.10% APY · checked 2 times
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
230 4th Ave N, Nashville, TN 37219
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%
230 4th Ave N, Nashville, TN 37219
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%
401 Commerce St, Nashville, TN 37219
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%
511 Union St, Nashville, TN 37219
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
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1198 Broadway, Nashville, TN 37203
Certificate of Deposit - 3 Months
$1,000
0.03%
▼ 1.76% below Tennessee avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average1.79%▼ 1.76% below avgNationally 2.13%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1198 Broadway, Nashville, TN 37203
Certificate of Deposit - 3 Months
$1,000
0.02%
▼ 1.77% below Tennessee avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average1.79%▼ 1.77% below avgNationally 2.13%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1198 Broadway, Nashville, TN 37203
Certificate of Deposit - 3 Months
$1,000
0.01%
▼ 1.78% below Tennessee avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average1.79%▼ 1.78% below avgNationally 2.13%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 20, 2026 · 0.01% 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
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
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
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
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
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
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
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
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
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
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%
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
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
Methodist Healthcare Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
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%
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%
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
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
Nashville 6 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Finworth, a division of InsBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
2106 Crestmoor Rd, Nashville, TN 37215
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%
1005 17th Ave S, Nashville, TN 37212
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
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
2034 Richard Jones Rd, Nashville, TN 37215
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%
2034 Richard Jones Rd, Nashville, TN 37215
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%
2034 Richard Jones Rd, Nashville, TN 37215
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%
2034 Richard Jones Rd, Nashville, TN 37215
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
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
2600 Elm Hill Pike, Nashville, TN 37214
Jumbo Share Certificate - 6 Months
$100,000
3.87%
▲ 1.04% above Tennessee avg
▼
Rate3.80%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.83%▲ 1.04% above avgNationally 2.79%
Details
Jumbo
Rate History
No change since Oct 23, 2026 · 3.87% APY · checked 2 times
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
2600 Elm Hill Pike, Nashville, TN 37214
Regular, Business and/or IRA Share Certificate - Jumbo 6 Months
$100,000
3.87%
▲ 1.04% above Tennessee avg
▼
Rate3.80%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.83%▲ 1.04% above avgNationally 2.79%
Details
Jumbo
Rate History
No change since Oct 12, 2026 · 3.87% APY · checked 4 times
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
908 Woodland St, Nashville, TN 37206
6 Month Share Certificate
$0
3.85%
▲ 1.02% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.83%▲ 1.02% above avgNationally 2.79%
Details
Balance: $1,000 - $74,999; Effective 10/1/2026
Rate History
1 change since Sep 21, 2026 · 3.79% → 3.85% ▲ 0.06 pts · high 3.85% / low 3.79%
- Oct 9, 20263.85%▲ from 3.79%
- Sep 21, 20263.79%first recorded
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
2600 Elm Hill Pike, Nashville, TN 37214
Regular, Business and / or IRA Share Certificate - 6 Months
$500
3.82%
▲ 0.99% above Tennessee avg
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.83%▲ 0.99% above avgNationally 2.79%
Details
Rate History
No change since Oct 8, 2026 · 3.82% APY · checked 5 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1516 16th Ave S, Nashville, TN 37212
6-Month Term CD
$1,000
3.75%
▲ 0.92% above Tennessee avg
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▲ 0.92% above avgNationally 2.79%
Details
Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1516 16th Ave S, Nashville, TN 37212
Term CD - 6-Month
$1,000
3.75%
▲ 0.92% above Tennessee avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▲ 0.92% above avgNationally 2.79%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 3 times
RBMAX
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
2034 Richard Jones Rd, Nashville, TN 37215
CD - 6 Month
$1,000
3.70%
▲ 0.87% above Tennessee avg
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.83%▲ 0.87% above avgNationally 2.79%
Details
Partial withdrawals allowed; $100,000 maximum deposit per CD product; Annual Percentage Yield as of 10/19/2026
Rate History
No change since Oct 20, 2026 · 3.70% APY · checked 3 times
Simmons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.33%
7114 Highway 70 S, Nashville, TN 37221
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
Outreach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
363 Woodycrest Ave, Nashville, TN 37210
Certificate Accounts - 6 Months
$1,000
3.50%
▲ 0.67% above Tennessee avg
▼
Rate3.45%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 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
Outreach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
363 Woodycrest Ave, Nashville, TN 37210
Certificate Accounts - Jumbo 6 Months
$50,000
3.50%
▲ 0.67% above Tennessee avg
▼
Rate3.45%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 28, 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
Resound Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
1701 21st Ave s, Nashville, TN 37212 3703
6-Month Certificate
$0
3.50%
▲ 0.67% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▲ 0.67% above avgNationally 2.79%
Details
Balance: $500 to $24,999
Rate History
No change since Oct 10, 2026 · 3.50% APY · checked 6 times
Resound Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
1701 21st Ave s, Nashville, TN 37212 3703
Business 6-Month Certificate
$0
3.50%
▲ 0.67% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▲ 0.67% above avgNationally 2.79%
Details
Balance: $25,000 or more; Business Deposits
Rate History
No change since Oct 19, 2026 · 3.50% APY · checked 2 times
Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
410 Donelson Pike, Nashville, TN 37214
Share Certificate - 6 Month
$0
3.50%
▲ 0.67% above Tennessee avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▲ 0.67% above avgNationally 2.79%
Details
Dividend rate guaranteed for the term of the certificate; penalty for early withdrawal
Rate History
No change since Oct 19, 2026 · 3.50% APY · checked 3 times
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
6 Month Certificate (quarterly dividends)
$0
3.38%
▲ 0.55% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▲ 0.55% above avgNationally 2.79%
Details
Jumbo Certificate; Balance: $100,000.00 and over
Rate History
No change since Oct 14, 2026 · 3.38% APY · checked 5 times
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2711 Old Lebanon Pike, Nashville, TN 37214
6 Month Share Certificate
$1,000
3.34%
▲ 0.51% above Tennessee avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▲ 0.51% above avgNationally 2.79%
Details
APY is the Annual Percentage Yield; Effective Date 02/01/2026
Rate History
No change since Sep 18, 2026 · 3.34% APY · checked 6 times
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
6 Month Certificate (quarterly dividends)
$0
3.33%
▲ 0.50% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▲ 0.50% above avgNationally 2.79%
Details
Regular Certificate; Balance: $500.00 - $99,999.99
Rate History
No change since Oct 14, 2026 · 3.33% APY · checked 5 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
511 Union St, Nashville, TN 37219
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
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
6 Month Certificate (monthly dividends)
$0
3.10%
▲ 0.27% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▲ 0.27% above avgNationally 2.79%
Details
Regular Certificate; Balance: $500.00 - $99,999.99
Rate History
No change since Oct 14, 2026 · 3.10% APY · checked 5 times
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
1314 Vultee Blvd, Nashville, TN 37217
6 Month Certificate
$500
3.10%
▲ 0.27% above Tennessee avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▲ 0.27% above avgNationally 2.79%
Details
Rate History
1 change since Sep 14, 2026 · 2.50% → 3.10% ▲ 0.60 pts · high 3.10% / low 2.50%
- Oct 30, 20263.10%▲ from 2.50%
- Sep 14, 20262.50%first recorded
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
Value Plus 6 Month Certificate
$0
3.09%
▲ 0.26% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▲ 0.26% above avgNationally 2.79%
Details
Minimum Balance column reads "Value Plus Certificate" (no dollar amount printed); APY* footnote: APY=Annual Percentage Yield; a penalty may be imposed for early withdrawal; rates current as of 9-11-2026
Rate History
No change since Sep 14, 2026 · 3.09% APY · checked 11 times
St Thomas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
4230 Harding Pike Ste 103, Nashville, TN 37205
6 Month Share Certificate Deposit (Interest posted quarterly)
$0
3.08%
▲ 0.25% above Tennessee avg
▼
Rate3.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▲ 0.25% above avgNationally 2.79%
Details
Balance: Over $50,000; Interest posted quarterly
Rate History
No change since Oct 22, 2026 · 3.09% APY · checked 3 times
St Thomas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
4230 Harding Pike Ste 103, Nashville, TN 37205
6 Month Share Certificate Deposit
$1,000
3.00%
▲ 0.17% above Tennessee avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▲ 0.17% above avgNationally 2.79%
Details
Interest posted at maturity; $1,000 Minimum
Rate History
No change since Oct 22, 2026 · 3.00% APY · checked 3 times
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
1211 51st Ave N, Nashville, TN 37209 2120
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
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
1005 17th Ave S, Nashville, TN 37212
6 Month Personal CD
$0
2.84%
▲ 0.01% above Tennessee avg
▼
Rate2.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.83%▲ 0.01% above avgNationally 2.79%
Details
Term: 6 months (180 to 269 days)
Rate History
No change since Oct 14, 2026 · 2.84% APY · checked 4 times
Lawrence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
3200 West End Ave, Nashville, TN 37203
6 Month CD/IRA
$0
2.78%
▼ 0.05% below Tennessee avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.83%▼ 0.05% below avgNationally 2.79%
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 · 2.78% APY · checked 6 times
The Tennessee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1400 8TH Ave S, NASHVILLE, TN 37203 5007
Classic Share Certificate - 6 Month
$500
2.25%
▼ 0.58% below Tennessee avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.83%▼ 0.58% below avgNationally 2.79%
Details
Dividends paid monthly
Rate History
No change since Oct 5, 2026 · 2.25% APY · checked 5 times
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
1211 51st Ave N, Nashville, TN 37209 2120
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
Parthenon Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.11%
2290 Rosa L Parks Blvd, Nashville, TN 37228 1306
Certificate of Deposit - 6 Months
$500
1.75%
▼ 1.08% below Tennessee avg
▼
Rate1.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.83%▼ 1.08% below avgNationally 2.79%
Details
Rates effective as of 2/17/2025; Minimum Deposit: $500.00; $50.00 minimum balance required in share account to open certificate; penalty for early withdrawal
Rate History
No change since Oct 15, 2026 · 1.75% APY · checked 3 times
The Tennessee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1400 8TH Ave S, NASHVILLE, TN 37203 5007
Business Share Certificates - 6 Month
$500
1.55%
▼ 1.28% below Tennessee avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.83%▼ 1.28% below avgNationally 2.79%
Details
Dividends Paid: Monthly
Rate History
No change since Oct 19, 2026 · 1.55% APY · checked 3 times
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
10 Rachel Dr, Nashville, TN 37214
Share Certificate - 6 Months
$0
0.65%
▼ 2.18% below Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▼ 2.18% below avgNationally 2.79%
Details
Share Certificates; penalty for early withdrawal may apply; no additional deposits allowed until end of term; dividends compounded monthly
Rate History
No change since Oct 26, 2026 · 0.65% APY · checked 2 times
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
1314 Vultee Blvd, Nashville, TN 37217
DreamBuilder 6 Month Certificate
$100
0.50%
▼ 2.33% below Tennessee avg
▼
RateN/A
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▼ 2.33% below avgNationally 2.79%
Details
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 10 times
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
511 Union St, Nashville, TN 37219
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
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
230 4th Ave N, Nashville, TN 37219
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%
230 4th Ave N, Nashville, TN 37219
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%
401 Commerce St, Nashville, TN 37219
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
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1198 Broadway, Nashville, TN 37203
Certificate of Deposit - 6 Months
$1,000
0.03%
▼ 2.80% below Tennessee avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.83%▼ 2.80% below avgNationally 2.79%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1198 Broadway, Nashville, TN 37203
IRA CD 6 Months
$250
0.03%
▼ 2.80% below Tennessee avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.83%▼ 2.80% below avgNationally 2.79%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1198 Broadway, Nashville, TN 37203
Certificate of Deposit - 6 Months
$1,000
0.02%
▼ 2.81% below Tennessee avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.83%▼ 2.81% below avgNationally 2.79%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1198 Broadway, Nashville, TN 37203
IRA CD 6 Months
$250
0.02%
▼ 2.81% below Tennessee avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.83%▼ 2.81% below avgNationally 2.79%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1198 Broadway, Nashville, TN 37203
Certificate of Deposit - 6 Months
$1,000
0.01%
▼ 2.82% below Tennessee avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.83%▼ 2.82% below avgNationally 2.79%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1198 Broadway, Nashville, TN 37203
IRA CD 6 Months
$250
0.01%
▼ 2.82% below Tennessee avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.83%▼ 2.82% below avgNationally 2.79%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 4 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
Nashville 12 Month CD Rates
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: 4.33%
908 Woodland St, Nashville, TN 37206
IRA Term Account - 12 Months
$0
4.52%
▲ 1.38% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.14%▲ 1.38% above avgNationally 3.01%
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 · 4.52% APY · checked 2 times
Finworth, a division of InsBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
2106 Crestmoor Rd, Nashville, TN 37215
12 Month Certificate of Deposit
$50,000
4.45%
▲ 1.31% above Tennessee avg
▼
Rate4.45%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.14%▲ 1.31% above avgNationally 3.01%
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 · 4.25% → 4.45% ▲ 0.20 pts · high 4.45% / low 4.25%
- Oct 26, 20264.45%▲ from 4.35%
- Oct 14, 20264.35%▲ from 4.25%
- Oct 2, 20264.25%first recorded
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
1005 17th Ave S, Nashville, TN 37212
Special 12-Month Fixed Rate CD
$2,500
4.39%
▲ 1.25% above Tennessee avg
▼
Rate4.30%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average3.14%▲ 1.25% above avgNationally 3.01%
Details
New money deposits required; $2,500 minimum opening deposit
Rate History
1 change since Oct 14, 2026 · 4.11% → 4.39% ▲ 0.28 pts · high 4.39% / low 4.11%
- Oct 20, 20264.39%▲ from 4.11%
- Oct 14, 20264.11%first recorded
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
2600 Elm Hill Pike, Nashville, TN 37214
Jumbo Share Certificate - 12 Months
$100,000
4.25%
▲ 1.11% above Tennessee avg
▼
Rate4.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average3.14%▲ 1.11% above avgNationally 3.01%
Details
Jumbo
Rate History
No change since Oct 23, 2026 · 4.25% APY · checked 2 times
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
2600 Elm Hill Pike, Nashville, TN 37214
Regular, Business and/or IRA Share Certificate - Jumbo 12 Months
$100,000
4.25%
▲ 1.11% above Tennessee avg
▼
Rate4.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average3.14%▲ 1.11% above avgNationally 3.01%
Details
Jumbo
Rate History
No change since Oct 12, 2026 · 4.25% APY · checked 4 times
St Thomas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
4230 Harding Pike Ste 103, Nashville, TN 37205
12 Month Share Certificate Deposit
$0
4.21%
▲ 1.07% above Tennessee avg
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.14%▲ 1.07% above avgNationally 3.01%
Details
Balance: Over $50,000; Interest posted quarterly
Rate History
No change since Oct 22, 2026 · 4.22% APY · checked 3 times
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
2600 Elm Hill Pike, Nashville, TN 37214
Regular, Business and / or IRA Share Certificate - 12 Months
$500
4.20%
▲ 1.06% above Tennessee avg
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average3.14%▲ 1.06% above avgNationally 3.01%
Details
Rate History
No change since Oct 8, 2026 · 4.20% APY · checked 5 times
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
12 Month (Quarterly) Special
$0
4.17%
▲ 1.03% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.14%▲ 1.03% above avgNationally 3.01%
Details
Jumbo 12 Month (Quarterly) Certificate Special; Balance: $250,000.00 - $500,000.00; minimum $250,000 / maximum $500,000 to open; New Money only; special rate only until first maturity; penalty for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.17% APY · checked 5 times
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
12 Month (Quarterly) Special
$0
4.11%
▲ 0.97% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.14%▲ 0.97% above avgNationally 3.01%
Details
Regular 12 Month (Quarterly) Certificate Special; Balance: $2,500.00 - $250,000.00; minimum $2,500 / maximum $250,000 to open; New Money only; special rate only until first maturity; penalty for early withdrawal
Rate History
No change since Oct 14, 2026 · 4.11% APY · checked 5 times
St Thomas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
4230 Harding Pike Ste 103, Nashville, TN 37205
12 Month Share Certificate Deposit
$0
4.10%
▲ 0.96% above Tennessee avg
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.14%▲ 0.96% above avgNationally 3.01%
Details
Interest posted at maturity
Rate History
No change since Oct 22, 2026 · 4.10% APY · checked 3 times
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
2600 Elm Hill Pike, Nashville, TN 37214
IRA Accumulation Share Certificate - 12 Month IRA Variable
$5
4.04%
▲ 0.90% above Tennessee avg
▼
Rate3.97%
Min Deposit$5
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average3.14%▲ 0.90% above avgNationally 3.01%
Details
Rate History
1 change since Sep 14, 2026 · 4.00% → 4.04% ▲ 0.04 pts · high 4.04% / low 4.00%
- Oct 4, 20264.04%▲ from 4.00%
- Sep 14, 20264.00%first recorded
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
908 Woodland St, Nashville, TN 37206
12 Month Share Certificate
$0
4.02%
▲ 0.88% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.14%▲ 0.88% above avgNationally 3.01%
Details
Balance: $1,000 - $74,999; Effective 10/1/2026
Rate History
1 change since Sep 21, 2026 · 3.82% → 4.02% ▲ 0.20 pts · high 4.02% / low 3.82%
- Oct 9, 20264.02%▲ from 3.82%
- Sep 21, 20263.82%first recorded
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
IRA 12 Month Certificate
$0
4.01%
▲ 0.87% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.14%▲ 0.87% above avgNationally 3.01%
Details
Balance: $100,000 and over; Jumbo IRA
Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 11 times
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
Roth IRA 12 Month Certificate
$0
4.01%
▲ 0.87% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.14%▲ 0.87% above avgNationally 3.01%
Details
Balance: $100,000 and over; Jumbo IRA
Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 11 times
St Thomas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
4230 Harding Pike Ste 103, Nashville, TN 37205
12 Month Youth Shares Certificate Deposit
$500
4.00%
▲ 0.86% above Tennessee avg
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.14%▲ 0.86% above avgNationally 3.01%
Details
Interest Posted at Maturity; $500 Minimum
Rate History
No change since Oct 22, 2026 · 4.00% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1516 16th Ave S, Nashville, TN 37212
1-Year Term CD
$1,000
4.00%
▲ 0.86% above Tennessee avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.14%▲ 0.86% above avgNationally 3.01%
Details
Rate History
No change since Oct 19, 2026 · 4.00% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1516 16th Ave S, Nashville, TN 37212
Term CD - 1-Year
$1,000
4.00%
▲ 0.86% above Tennessee avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.14%▲ 0.86% above avgNationally 3.01%
Details
Minimum of $1,000 to open your account; 1-Year Term CD renews automatically for the same term
Rate History
No change since Oct 19, 2026 · 4.00% APY · checked 3 times
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
IRA 12 Month Certificate
$0
3.96%
▲ 0.82% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.14%▲ 0.82% above avgNationally 3.01%
Details
Balance: $500 - $99,999.99; Regular IRA
Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 11 times
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
Roth IRA 12 Month Certificate
$0
3.96%
▲ 0.82% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.14%▲ 0.82% above avgNationally 3.01%
Details
Balance: $500 - $99,999.99; Regular IRA
Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 11 times
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
12 Month Certificate (quarterly dividends)
$0
3.91%
▲ 0.77% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.14%▲ 0.77% above avgNationally 3.01%
Details
Jumbo Certificate; Balance: $100,000.00 and over
Rate History
No change since Oct 14, 2026 · 3.91% APY · checked 5 times
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
12 Month Certificate (quarterly dividends)
$0
3.85%
▲ 0.71% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.14%▲ 0.71% above avgNationally 3.01%
Details
Regular Certificate; Balance: $500.00 - $99,999.99
Rate History
No change since Oct 14, 2026 · 3.85% APY · checked 5 times
Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
410 Donelson Pike, Nashville, TN 37214
IRA Share Certificate - 12 Month
$0
3.75%
▲ 0.61% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.14%▲ 0.61% above avgNationally 3.01%
Details
IRA certificate; dividend rate guaranteed for the term; penalty for early withdrawal except after age 59 1/2
Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 3 times
Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
410 Donelson Pike, Nashville, TN 37214
Share Certificate - 12 Month
$0
3.75%
▲ 0.61% above Tennessee avg
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.14%▲ 0.61% above avgNationally 3.01%
Details
Dividend rate guaranteed for the term of the certificate; penalty for early withdrawal
Rate History
No change since Oct 19, 2026 · 3.75% APY · checked 3 times
Resound Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
1701 21st Ave s, Nashville, TN 37212 3703
12-Month Certificate
$0
3.65%
▲ 0.51% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.14%▲ 0.51% above avgNationally 3.01%
Details
Balance: $500 to $24,999
Rate History
No change since Oct 10, 2026 · 3.65% APY · checked 6 times
Outreach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
363 Woodycrest Ave, Nashville, TN 37210
Certificate Accounts - 12 Months
$1,000
3.60%
▲ 0.46% above Tennessee avg
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average3.14%▲ 0.46% above avgNationally 3.01%
Details
Rate History
No change since Oct 12, 2026 · 3.60% APY · checked 4 times
Outreach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
363 Woodycrest Ave, Nashville, TN 37210
Certificate Accounts - Jumbo 12 Months
$50,000
3.60%
▲ 0.46% above Tennessee avg
▼
Rate3.55%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average3.14%▲ 0.46% above avgNationally 3.01%
Details
Rate History
No change since Oct 12, 2026 · 3.60% APY · checked 4 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
511 Union St, Nashville, TN 37219
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
St Thomas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
4230 Harding Pike Ste 103, Nashville, TN 37205
12 Month Share Certificate Deposit/Birthday CD (Min. Age 55)
$1,000
3.40%
▲ 0.26% above Tennessee avg
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.14%▲ 0.26% above avgNationally 3.01%
Details
Age Plus; Min. Age 55; Account needs to be open during the members' month of birthday
Rate History
No change since Oct 22, 2026 · 3.40% APY · checked 3 times
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
1314 Vultee Blvd, Nashville, TN 37217
1 Year Certificate
$500
3.40%
▲ 0.26% above Tennessee avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.14%▲ 0.26% above avgNationally 3.01%
Details
Rate History
1 change since Sep 14, 2026 · 2.85% → 3.40% ▲ 0.55 pts · high 3.40% / low 2.85%
- Oct 30, 20263.40%▲ from 2.85%
- Sep 14, 20262.85%first recorded
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2711 Old Lebanon Pike, Nashville, TN 37214
12 Month Child Super Saver Share Certificate
$500
3.39%
▲ 0.25% above Tennessee avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.14%▲ 0.25% above avgNationally 3.01%
Details
Available to ages 0-13; $500.00 minimum deposit on certificate; Effective Date 02/01/2026
Rate History
No change since Oct 19, 2026 · 3.39% APY · checked 3 times
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2711 Old Lebanon Pike, Nashville, TN 37214
12 Month Share Certificate
$1,000
3.29%
▲ 0.15% above Tennessee avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.14%▲ 0.15% above avgNationally 3.01%
Details
APY is the Annual Percentage Yield; Effective Date 02/01/2026
Rate History
No change since Sep 18, 2026 · 3.29% APY · checked 6 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
401 Commerce St, Nashville, TN 37219
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
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
12 Month Certificate (monthly dividends)
$0
3.25%
▲ 0.11% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.14%▲ 0.11% above avgNationally 3.01%
Details
Regular Certificate; Balance: $500.00 - $99,999.99
Rate History
No change since Oct 14, 2026 · 3.25% APY · checked 5 times
Vanderbilt Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
Suite 100, Nashville, TN 37232 0001
6-12 Month Certificates
$1,000
3.25%
▲ 0.11% above Tennessee avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.14%▲ 0.11% above avgNationally 3.01%
Details
Minimum deposit of $1,000; Early withdrawal penalty may apply
Rate History
No change since Sep 30, 2026 · 3.25% APY · checked 8 times
St Thomas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
4230 Harding Pike Ste 103, Nashville, TN 37205
12 Month Share Certificate Deposit (Interest posted quarterly)
$0
3.24%
▲ 0.10% above Tennessee avg
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.14%▲ 0.10% above avgNationally 3.01%
Details
Balance: Over $50,000; Interest posted quarterly
Rate History
No change since Oct 22, 2026 · 3.24% APY · checked 3 times
St Thomas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
4230 Harding Pike Ste 103, Nashville, TN 37205
12 Month Share Certificate Deposit
$1,000
3.15%
▲ 0.01% above Tennessee avg
▼
Rate3.15%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.14%▲ 0.01% above avgNationally 3.01%
Details
Interest posted at maturity; $1,000 Minimum
Rate History
No change since Oct 22, 2026 · 3.15% APY · checked 3 times
RBMAX
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
2034 Richard Jones Rd, Nashville, TN 37215
CD - 12 Month
$1,000
3.10%
▼ 0.04% below Tennessee avg
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average3.14%▼ 0.04% below avgNationally 3.01%
Details
Partial withdrawals not allowed for 12 Month CD; $100,000 maximum deposit per CD product; Annual Percentage Yield as of 10/19/2026
Rate History
No change since Oct 20, 2026 · 3.10% APY · checked 3 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
2034 Richard Jones Rd, Nashville, TN 37215
Certificate of Deposit - 12 Month
$1,000
3.10%
▼ 0.04% below Tennessee avg
▼
Rate3.05%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Tennessee Average3.14%▼ 0.04% below avgNationally 3.01%
Details
Partial withdrawals not allowed; APY as of 10/20/2026
Rate History
No change since Oct 21, 2026 · 3.10% APY · checked 3 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
2034 Richard Jones Rd, Nashville, TN 37215
Certificates of Deposit - 12 Month
$1,000
3.10%
▼ 0.04% below Tennessee avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Tennessee Average3.14%▼ 0.04% below avgNationally 3.01%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
No change since Sep 14, 2026 · 3.10% APY · checked 4 times
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
1211 51st Ave N, Nashville, TN 37209 2120
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
C3bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
615 9th Avenue South, Nashville, TN 37203
12-Month Certificate of Deposit
$25,000
3.00%
▼ 0.14% below Tennessee avg
▼
RateN/A
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average3.14%▼ 0.14% below avgNationally 3.01%
Details
FDIC insured up to $250,000; $25K minimum opening deposit
Rate History
No change since Sep 27, 2026 · 3.00% APY · checked 11 times
St Thomas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
4230 Harding Pike Ste 103, Nashville, TN 37205
12 Month Share Certificate Deposit/Birthday CD
$1,000
3.00%
▼ 0.14% below Tennessee avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.14%▼ 0.14% below avgNationally 3.01%
Details
Age Plus; Min. Age 55; Account needs to be open during the member's month of birthday
Rate History
No change since Oct 22, 2026 · 3.00% APY · checked 3 times
Lawrence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
3200 West End Ave, Nashville, TN 37203
12 Month CD/IRA
$0
2.78%
▼ 0.36% below Tennessee avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average3.14%▼ 0.36% below avgNationally 3.01%
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 · 2.78% APY · checked 6 times
Tennessee Department of Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1150 Foster Ave, Nashville, TN 37243 4400
12 Month Share Certificate
$0
2.50%
▼ 0.64% below Tennessee avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.14%▼ 0.64% below avgNationally 3.01%
Details
Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 11 times
Parthenon Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.11%
2290 Rosa L Parks Blvd, Nashville, TN 37228 1306
Certificate of Deposit - 12 Months
$500
2.25%
▼ 0.89% below Tennessee avg
▼
Rate2.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average3.14%▼ 0.89% below avgNationally 3.01%
Details
Rates effective as of 2/17/2025; Minimum Deposit: $500.00; $50.00 minimum balance required in share account to open certificate; penalty for early withdrawal
Rate History
No change since Oct 15, 2026 · 2.25% APY · checked 3 times
The Tennessee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1400 8TH Ave S, NASHVILLE, TN 37203 5007
Classic Share Certificate - 12 Month
$500
2.25%
▼ 0.89% below Tennessee avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.14%▼ 0.89% below avgNationally 3.01%
Details
Dividends paid monthly
Rate History
No change since Oct 5, 2026 · 2.25% APY · checked 5 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1516 16th Ave S, Nashville, TN 37212
12 Month Certificate of Deposit
$500
2.00%
▼ 1.14% below Tennessee avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average3.14%▼ 1.14% below avgNationally 3.01%
Details
Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 9 times
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
7044 Charlotte Pike, Nashville, TN 37209
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
The Tennessee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1400 8TH Ave S, NASHVILLE, TN 37203 5007
Business Share Certificates - 12 Month
$500
2.00%
▼ 1.14% below Tennessee avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.14%▼ 1.14% below avgNationally 3.01%
Details
Dividends Paid: Monthly
Rate History
No change since Oct 19, 2026 · 2.00% APY · checked 3 times
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
10 Rachel Dr, Nashville, TN 37214
IRA Certificate - 12 Months
$0
2.00%
▼ 1.14% below Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.14%▼ 1.14% below avgNationally 3.01%
Details
IRAs include Traditional, Roth and Coverdell ESA; penalty for early withdrawal may apply; no additional deposits allowed until end of term; dividends compounded monthly
Rate History
No change since Oct 26, 2026 · 2.00% APY · checked 2 times
Nashville 18 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Finworth, a division of InsBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
2106 Crestmoor Rd, Nashville, TN 37215
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
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
908 Woodland St, Nashville, TN 37206
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
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
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%
89 Hermitage Ave, Nashville, TN 37210
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
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
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%
89 Hermitage Ave, Nashville, TN 37210
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
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
2600 Elm Hill Pike, Nashville, TN 37214
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%
89 Hermitage Ave, Nashville, TN 37210
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
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
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
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
908 Woodland St, Nashville, TN 37206
18 Month Share Certificate
$0
3.90%
▲ 0.98% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.92%▲ 0.98% above avgNationally 2.91%
Details
Balance: $1,000 - $74,999; Effective 10/1/2026
Rate History
1 change since Sep 21, 2026 · 3.54% → 3.90% ▲ 0.36 pts · high 3.90% / low 3.54%
- Oct 9, 20263.90%▲ from 3.54%
- Sep 21, 20263.54%first recorded
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
511 Union St, Nashville, TN 37219
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
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
1314 Vultee Blvd, Nashville, TN 37217
18 Month Certificate
$500
3.40%
▲ 0.48% above Tennessee avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.92%▲ 0.48% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 2.80% → 3.40% ▲ 0.60 pts · high 3.40% / low 2.80%
- Oct 30, 20263.40%▲ from 2.80%
- Sep 14, 20262.80%first recorded
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
18 Month Certificate (monthly dividends)
$0
3.35%
▲ 0.43% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.92%▲ 0.43% above avgNationally 2.91%
Details
Regular Certificate; Balance: $500.00 - $99,999.99
Rate History
No change since Oct 14, 2026 · 3.35% APY · checked 5 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
2034 Richard Jones Rd, Nashville, TN 37215
Certificate of Deposit - 18 Month
$1,000
3.25%
▲ 0.33% above Tennessee avg
▼
Rate3.20%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Tennessee Average2.92%▲ 0.33% above avgNationally 2.91%
Details
Partial withdrawals allowed; APY as of 10/20/2026
Rate History
No change since Oct 21, 2026 · 3.25% APY · checked 3 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
2034 Richard Jones Rd, Nashville, TN 37215
Certificates of Deposit - 18 Month
$1,000
3.25%
▲ 0.33% above Tennessee avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Tennessee Average2.92%▲ 0.33% above avgNationally 2.91%
Details
Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.
Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 4 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
2034 Richard Jones Rd, Nashville, TN 37215
IRA - Individual Retirement Accounts - 18-Month
$1,000
3.25%
▲ 0.33% above Tennessee avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Tennessee Average2.92%▲ 0.33% above avgNationally 2.91%
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 · 2.65% → 3.25% ▲ 0.60 pts · high 3.25% / low 2.65%
- Oct 7, 20263.25%▲ from 2.65%
- Sep 14, 20262.65%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
2034 Richard Jones Rd, Nashville, TN 37215
IRA Certificate - 18-Month
$1,000
3.25%
▲ 0.33% above Tennessee avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Tennessee Average2.92%▲ 0.33% above avgNationally 2.91%
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 · 3.25% APY · checked 3 times
Resound Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
1701 21st Ave s, Nashville, TN 37212 3703
18-Month Certificate
$0
3.25%
▲ 0.33% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.92%▲ 0.33% above avgNationally 2.91%
Details
Balance: $500 to $24,999
Rate History
No change since Oct 10, 2026 · 3.25% APY · checked 6 times
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2711 Old Lebanon Pike, Nashville, TN 37214
18 Month Share Certificate
$1,000
3.19%
▲ 0.27% above Tennessee avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.92%▲ 0.27% above avgNationally 2.91%
Details
APY is the Annual Percentage Yield; Effective Date 02/01/2026
Rate History
No change since Sep 18, 2026 · 3.19% APY · checked 6 times
Vanderbilt Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
Suite 100, Nashville, TN 37232 0001
12-18 Month Certificates
$1,000
3.00%
▲ 0.08% above Tennessee avg
▼
Rate3.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.92%▲ 0.08% above avgNationally 2.91%
Details
Minimum deposit of $1,000; Early withdrawal penalty may apply
Rate History
No change since Sep 30, 2026 · 3.00% APY · checked 8 times
Lawrence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
3200 West End Ave, Nashville, TN 37203
18 Month CD/IRA
$0
2.78%
▼ 0.14% below Tennessee avg
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.92%▼ 0.14% below avgNationally 2.91%
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 · 2.78% APY · checked 6 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1516 16th Ave S, Nashville, TN 37212
18-Month Term CD
$1,000
2.75%
▼ 0.17% below Tennessee avg
▼
Rate2.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.92%▼ 0.17% below avgNationally 2.91%
Details
Rate History
No change since Oct 19, 2026 · 2.75% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1516 16th Ave S, Nashville, TN 37212
Term CD - 18-Month
$1,000
2.75%
▼ 0.17% below Tennessee avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.92%▼ 0.17% below avgNationally 2.91%
Details
Minimum of $1,000 to open your account; 18-Month CD renews as a 2-Year Term CD at the then-published APY
Rate History
No change since Oct 19, 2026 · 2.75% APY · checked 3 times
Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
410 Donelson Pike, Nashville, TN 37214
Share Certificate - 18 Month
$0
2.65%
▼ 0.27% below Tennessee avg
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.92%▼ 0.27% below avgNationally 2.91%
Details
Dividend rate guaranteed for the term of the certificate; penalty for early withdrawal
Rate History
No change since Oct 19, 2026 · 2.65% APY · checked 3 times
Parthenon Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.11%
2290 Rosa L Parks Blvd, Nashville, TN 37228 1306
Certificate of Deposit - 18 Months
$500
2.50%
▼ 0.42% below Tennessee avg
▼
Rate2.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.92%▼ 0.42% below avgNationally 2.91%
Details
Rates effective as of 2/17/2025; Minimum Deposit: $500.00; $50.00 minimum balance required in share account to open certificate; penalty for early withdrawal
Rate History
No change since Oct 15, 2026 · 2.50% APY · checked 3 times
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
1211 51st Ave N, Nashville, TN 37209 2120
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
The Tennessee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1400 8TH Ave S, NASHVILLE, TN 37203 5007
Classic Share Certificate - 18 Month
$500
2.25%
▼ 0.67% below Tennessee avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.92%▼ 0.67% below avgNationally 2.91%
Details
Dividends paid monthly
Rate History
No change since Oct 5, 2026 · 2.25% APY · checked 5 times
The Tennessee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1400 8TH Ave S, NASHVILLE, TN 37203 5007
Business Share Certificates - 18 Month
$500
2.15%
▼ 0.77% below Tennessee avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.92%▼ 0.77% below avgNationally 2.91%
Details
Dividends Paid: Monthly
Rate History
No change since Oct 19, 2026 · 2.15% APY · checked 3 times
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
10 Rachel Dr, Nashville, TN 37214
IRA Certificate - 18 Months
$0
2.05%
▼ 0.87% below Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.92%▼ 0.87% below avgNationally 2.91%
Details
IRAs include Traditional, Roth and Coverdell ESA; penalty for early withdrawal may apply; no additional deposits allowed until end of term; dividends compounded monthly
Rate History
No change since Oct 26, 2026 · 2.05% APY · checked 2 times
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
10 Rachel Dr, Nashville, TN 37214
Share Certificate - 18 Months
$0
2.05%
▼ 0.87% below Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.92%▼ 0.87% below avgNationally 2.91%
Details
Share Certificates; penalty for early withdrawal may apply; no additional deposits allowed until end of term; dividends compounded monthly
Rate History
No change since Oct 26, 2026 · 2.05% APY · checked 2 times
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
7044 Charlotte Pike, Nashville, TN 37209
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
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
401 Commerce St, Nashville, TN 37219
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
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1198 Broadway, Nashville, TN 37203
Certificate of Deposit - 18 Months
$1,000
0.03%
▼ 2.89% below Tennessee avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.92%▼ 2.89% below avgNationally 2.91%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1198 Broadway, Nashville, TN 37203
IRA CD 18 Months
$250
0.03%
▼ 2.89% below Tennessee avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.92%▼ 2.89% below avgNationally 2.91%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1198 Broadway, Nashville, TN 37203
Certificate of Deposit - 18 Months
$1,000
0.02%
▼ 2.90% below Tennessee avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.92%▼ 2.90% below avgNationally 2.91%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1198 Broadway, Nashville, TN 37203
IRA CD 18 Months
$250
0.02%
▼ 2.90% below Tennessee avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.92%▼ 2.90% below avgNationally 2.91%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 4 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1516 16th Ave S, Nashville, TN 37212
18 Month Certificate of Deposit
$500
0.02%
▼ 2.90% below Tennessee avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.92%▼ 2.90% below avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 0.02% APY · checked 9 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1198 Broadway, Nashville, TN 37203
Certificate of Deposit - 18 Months
$1,000
0.01%
▼ 2.91% below Tennessee avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.92%▼ 2.91% below avgNationally 2.91%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1198 Broadway, Nashville, TN 37203
IRA CD 18 Months
$250
0.01%
▼ 2.91% below Tennessee avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.92%▼ 2.91% below avgNationally 2.91%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 4 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
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
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
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
Nashville 24 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Finworth, a division of InsBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
2106 Crestmoor Rd, Nashville, TN 37215
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
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
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%
89 Hermitage Ave, Nashville, TN 37210
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
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
2600 Elm Hill Pike, Nashville, TN 37214
Jumbo Share Certificate - 24 Months
$100,000
4.07%
▲ 1.07% above Tennessee avg
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average3.00%▲ 1.07% above avgNationally 2.91%
Details
Jumbo
Rate History
No change since Oct 23, 2026 · 4.07% APY · checked 2 times
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
2600 Elm Hill Pike, Nashville, TN 37214
Regular, Business and/or IRA Share Certificate - Jumbo 24 Months
$100,000
4.07%
▲ 1.07% above Tennessee avg
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average3.00%▲ 1.07% above avgNationally 2.91%
Details
Jumbo
Rate History
No change since Oct 12, 2026 · 4.07% APY · checked 4 times
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
IRA 24 Month Certificate
$0
4.07%
▲ 1.07% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.00%▲ 1.07% above avgNationally 2.91%
Details
Balance: $500 - $99,999.99; Regular 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%
89 Hermitage Ave, Nashville, TN 37210
Roth IRA 24 Month Certificate
$0
4.07%
▲ 1.07% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.00%▲ 1.07% above avgNationally 2.91%
Details
Balance: $500 - $99,999.99; Regular IRA
Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 11 times
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
2600 Elm Hill Pike, Nashville, TN 37214
Regular, Business and / or IRA Share Certificate - 24 Months
$1,000
4.02%
▲ 1.02% above Tennessee avg
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average3.00%▲ 1.02% above avgNationally 2.91%
Details
Rate History
No change since Oct 8, 2026 · 4.02% APY · checked 5 times
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
24 Month Certificate (quarterly dividends)
$0
4.02%
▲ 1.02% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.00%▲ 1.02% above avgNationally 2.91%
Details
Jumbo Certificate; Balance: $100,000.00 and over
Rate History
No change since Oct 14, 2026 · 4.02% APY · checked 5 times
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
2034 Richard Jones Rd, Nashville, TN 37215
Certificate of Deposit - 24 Month
$1,000
4.00%
▲ 1.00% above Tennessee avg
▼
Rate3.92%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Tennessee Average3.00%▲ 1.00% above avgNationally 2.91%
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%
2034 Richard Jones Rd, Nashville, TN 37215
Certificates of Deposit - 24 Month
$1,000
4.00%
▲ 1.00% above Tennessee avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Tennessee Average3.00%▲ 1.00% above avgNationally 2.91%
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%
2034 Richard Jones Rd, Nashville, TN 37215
IRA - Individual Retirement Accounts - 24-Month
$1,000
4.00%
▲ 1.00% above Tennessee avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Tennessee Average3.00%▲ 1.00% above avgNationally 2.91%
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% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
- Oct 7, 20264.00%▲ from 3.75%
- Sep 14, 20263.75%first recorded
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
2034 Richard Jones Rd, Nashville, TN 37215
IRA Certificate - 24-Month
$1,000
4.00%
▲ 1.00% above Tennessee avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 26, 2026
Tennessee Average3.00%▲ 1.00% above avgNationally 2.91%
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
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
24 Month Certificate (quarterly dividends)
$0
3.97%
▲ 0.97% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.00%▲ 0.97% above avgNationally 2.91%
Details
Regular Certificate; Balance: $500.00 - $99,999.99
Rate History
No change since Oct 14, 2026 · 3.97% APY · checked 5 times
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
908 Woodland St, Nashville, TN 37206
2 Year Share Certificate
$0
3.92%
▲ 0.92% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.00%▲ 0.92% above avgNationally 2.91%
Details
Balance: $1,000 - $74,999; Effective 10/1/2026
Rate History
1 change since Sep 21, 2026 · 3.72% → 3.92% ▲ 0.20 pts · high 3.92% / low 3.72%
- Oct 9, 20263.92%▲ from 3.72%
- Sep 21, 20263.72%first recorded
St Thomas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
4230 Harding Pike Ste 103, Nashville, TN 37205
24 Month Share Certificate Deposit
$0
3.85%
▲ 0.85% above Tennessee avg
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.00%▲ 0.85% above avgNationally 2.91%
Details
Balance: Over $50,000; Interest posted quarterly
Rate History
No change since Oct 22, 2026 · 3.85% APY · checked 3 times
St Thomas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
4230 Harding Pike Ste 103, Nashville, TN 37205
24 Month Share Certificate Deposit
$0
3.75%
▲ 0.75% above Tennessee avg
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.00%▲ 0.75% above avgNationally 2.91%
Details
Interest posted at maturity
Rate History
No change since Oct 22, 2026 · 3.75% APY · checked 3 times
Tennessee Department of Safety Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1150 Foster Ave, Nashville, TN 37243 4400
24 Month Share Certificate
$0
3.50%
▲ 0.50% above Tennessee avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.00%▲ 0.50% above avgNationally 2.91%
Details
Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 11 times
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
24 Month Certificate (monthly dividends)
$0
3.45%
▲ 0.45% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.00%▲ 0.45% above avgNationally 2.91%
Details
Regular Certificate; Balance: $500.00 - $99,999.99
Rate History
No change since Oct 14, 2026 · 3.45% APY · checked 5 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
511 Union St, Nashville, TN 37219
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
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
1314 Vultee Blvd, Nashville, TN 37217
2 Year Certificate
$500
3.40%
▲ 0.40% above Tennessee avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.00%▲ 0.40% above avgNationally 2.91%
Details
Rate History
1 change since Sep 14, 2026 · 2.90% → 3.40% ▲ 0.50 pts · high 3.40% / low 2.90%
- Oct 30, 20263.40%▲ from 2.90%
- Sep 14, 20262.90%first recorded
St Thomas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
4230 Harding Pike Ste 103, Nashville, TN 37205
24 Month Share Certificate Deposit (Interest posted quarterly)
$0
3.34%
▲ 0.34% above Tennessee avg
▼
Rate3.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.00%▲ 0.34% above avgNationally 2.91%
Details
Balance: Over $50,000; Interest posted quarterly
Rate History
No change since Oct 22, 2026 · 3.34% APY · checked 3 times
Outreach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
363 Woodycrest Ave, Nashville, TN 37210
Certificate Accounts - 24 Months
$1,000
3.29%
▲ 0.29% above Tennessee avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average3.00%▲ 0.29% above avgNationally 2.91%
Details
Rate History
No change since Oct 12, 2026 · 3.29% APY · checked 4 times
Resound Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
1701 21st Ave s, Nashville, TN 37212 3703
24-Month Certificate
$0
3.25%
▲ 0.25% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.00%▲ 0.25% above avgNationally 2.91%
Details
Balance: $500 to $24,999
Rate History
No change since Oct 10, 2026 · 3.25% APY · checked 6 times
St Thomas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
4230 Harding Pike Ste 103, Nashville, TN 37205
24 Month Share Certificate Deposit
$1,000
3.25%
▲ 0.25% above Tennessee avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.00%▲ 0.25% above avgNationally 2.91%
Details
Interest posted at maturity; $1,000 Minimum
Rate History
No change since Oct 22, 2026 · 3.25% APY · checked 3 times
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
908 Woodland St, Nashville, TN 37206
IRA Term Account - 2 Years
$0
3.12%
▲ 0.12% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.00%▲ 0.12% 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 · 3.12% APY · checked 2 times
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2711 Old Lebanon Pike, Nashville, TN 37214
24 Month Share Certificate
$1,000
3.03%
▲ 0.03% above Tennessee avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.00%▲ 0.03% above avgNationally 2.91%
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
Parthenon Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.11%
2290 Rosa L Parks Blvd, Nashville, TN 37228 1306
Certificate of Deposit - 24 Months
$500
2.75%
▼ 0.25% below Tennessee avg
▼
Rate2.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average3.00%▼ 0.25% below avgNationally 2.91%
Details
Rates effective as of 2/17/2025; Minimum Deposit: $500.00; $50.00 minimum balance required in share account to open certificate; penalty for early withdrawal
Rate History
No change since Oct 15, 2026 · 2.75% APY · checked 3 times
Vanderbilt Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
Suite 100, Nashville, TN 37232 0001
18-24 Month Certificates
$1,000
2.75%
▼ 0.25% below Tennessee avg
▼
Rate2.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.00%▼ 0.25% below avgNationally 2.91%
Details
Minimum deposit of $1,000; Early withdrawal penalty may apply
Rate History
No change since Sep 30, 2026 · 2.75% APY · checked 8 times
Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
410 Donelson Pike, Nashville, TN 37214
IRA Share Certificate - 24 Month
$0
2.65%
▼ 0.35% below Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.00%▼ 0.35% below avgNationally 2.91%
Details
IRA certificate; dividend rate guaranteed for the term; penalty for early withdrawal except after age 59 1/2
Rate History
No change since Oct 19, 2026 · 2.65% APY · checked 3 times
Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
410 Donelson Pike, Nashville, TN 37214
Share Certificate - 24 Month
$0
2.65%
▼ 0.35% below Tennessee avg
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.00%▼ 0.35% below avgNationally 2.91%
Details
Dividend rate guaranteed for the term of the certificate; penalty for early withdrawal
Rate History
No change since Oct 19, 2026 · 2.65% APY · checked 3 times
Lawrence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
3200 West End Ave, Nashville, TN 37203
2 Year CD/IRA
$0
2.52%
▼ 0.48% below Tennessee avg
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average3.00%▼ 0.48% below avgNationally 2.91%
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%
1400 8TH Ave S, NASHVILLE, TN 37203 5007
Business Share Certificates - 24 Month
$500
2.25%
▼ 0.75% below Tennessee avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.00%▼ 0.75% below avgNationally 2.91%
Details
Dividends Paid: Monthly
Rate History
No change since Oct 19, 2026 · 2.25% APY · checked 3 times
The Tennessee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1400 8TH Ave S, NASHVILLE, TN 37203 5007
Classic Share Certificate - 24 Month
$500
2.25%
▼ 0.75% below Tennessee avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average3.00%▼ 0.75% below avgNationally 2.91%
Details
Dividends paid monthly
Rate History
No change since Oct 5, 2026 · 2.25% APY · checked 5 times
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
10 Rachel Dr, Nashville, TN 37214
IRA Certificate - 24 Months
$0
2.10%
▼ 0.90% below Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.00%▼ 0.90% below avgNationally 2.91%
Details
IRAs include Traditional, Roth and Coverdell ESA; penalty for early withdrawal may apply; no additional deposits allowed until end of term; dividends compounded monthly
Rate History
No change since Oct 26, 2026 · 2.10% APY · checked 2 times
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
10 Rachel Dr, Nashville, TN 37214
Share Certificate - 24 Months
$0
2.10%
▼ 0.90% below Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.00%▼ 0.90% below avgNationally 2.91%
Details
Share Certificates; penalty for early withdrawal may apply; no additional deposits allowed until end of term; dividends compounded monthly
Rate History
No change since Oct 26, 2026 · 2.10% APY · checked 2 times
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
1211 51st Ave N, Nashville, TN 37209 2120
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
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1516 16th Ave S, Nashville, TN 37212
2-Year Jumbo CD
$100,000
0.40%
▼ 2.60% below Tennessee avg
▼
Rate0.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.00%▼ 2.60% below avgNationally 2.91%
Details
Rate History
No change since Sep 24, 2026 · 0.40% APY · checked 4 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1516 16th Ave S, Nashville, TN 37212
2-Year Term CD
$1,000
0.40%
▼ 2.60% below Tennessee avg
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.00%▼ 2.60% below avgNationally 2.91%
Details
Rate History
No change since Oct 19, 2026 · 0.40% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1516 16th Ave S, Nashville, TN 37212
Term CD - 2-Year
$1,000
0.40%
▼ 2.60% below Tennessee avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.00%▼ 2.60% below avgNationally 2.91%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 0.40% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1516 16th Ave S, Nashville, TN 37212
2-Year RampUp Plus CD
$25,000
0.25%
▼ 2.75% below Tennessee avg
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average3.00%▼ 2.75% below avgNationally 2.91%
Details
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 4 times
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
511 Union St, Nashville, TN 37219
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
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1516 16th Ave S, Nashville, TN 37212
2 Year Certificate of Deposit
$500
0.05%
▼ 2.95% below Tennessee avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average3.00%▼ 2.95% below avgNationally 2.91%
Details
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 9 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
401 Commerce St, Nashville, TN 37219
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
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1198 Broadway, Nashville, TN 37203
Certificate of Deposit - 24 Months
$1,000
0.03%
▼ 2.97% below Tennessee avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average3.00%▼ 2.97% below avgNationally 2.91%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1198 Broadway, Nashville, TN 37203
IRA CD 24 Months
$250
0.03%
▼ 2.97% below Tennessee avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average3.00%▼ 2.97% below avgNationally 2.91%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1198 Broadway, Nashville, TN 37203
Certificate of Deposit - 24 Months
$1,000
0.02%
▼ 2.98% below Tennessee avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average3.00%▼ 2.98% below avgNationally 2.91%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1198 Broadway, Nashville, TN 37203
IRA CD 24 Months
$250
0.02%
▼ 2.98% below Tennessee avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average3.00%▼ 2.98% below avgNationally 2.91%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1198 Broadway, Nashville, TN 37203
Certificate of Deposit - 24 Months
$1,000
0.01%
▼ 2.99% below Tennessee avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average3.00%▼ 2.99% below avgNationally 2.91%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1198 Broadway, Nashville, TN 37203
IRA CD 24 Months
$250
0.01%
▼ 2.99% below Tennessee avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average3.00%▼ 2.99% below avgNationally 2.91%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 4 times
Nashville 36 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Finworth, a division of InsBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
2106 Crestmoor Rd, Nashville, TN 37215
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%
89 Hermitage Ave, Nashville, TN 37210
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%
89 Hermitage Ave, Nashville, TN 37210
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
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
2034 Richard Jones Rd, Nashville, TN 37215
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%
2034 Richard Jones Rd, Nashville, TN 37215
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%
2034 Richard Jones Rd, Nashville, TN 37215
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%
2034 Richard Jones Rd, Nashville, TN 37215
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
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
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%
89 Hermitage Ave, Nashville, TN 37210
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%
89 Hermitage Ave, Nashville, TN 37210
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
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
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
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
2600 Elm Hill Pike, Nashville, TN 37214
Regular, Business and / or IRA Share Certificate - 36 Months
$1,000
3.92%
▲ 1.09% above Tennessee avg
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.83%▲ 1.09% above avgNationally 2.82%
Details
Rate History
No change since Oct 8, 2026 · 3.92% APY · checked 5 times
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
908 Woodland St, Nashville, TN 37206
3 Year Share Certificate
$0
3.91%
▲ 1.09% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.83%▲ 1.09% above avgNationally 2.82%
Details
Balance: $1,000 - $74,999; Effective 10/1/2026
Rate History
1 change since Sep 21, 2026 · 3.63% → 3.91% ▲ 0.28 pts · high 3.91% / low 3.63%
- Oct 9, 20263.91%▲ from 3.63%
- Sep 21, 20263.63%first recorded
St Thomas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
4230 Harding Pike Ste 103, Nashville, TN 37205
36 Month Share Certificate Deposit
$0
3.60%
▲ 0.77% above Tennessee avg
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▲ 0.77% above avgNationally 2.82%
Details
Balance: Over $50,000; Interest posted quarterly
Rate History
No change since Oct 22, 2026 · 3.60% APY · checked 3 times
St Thomas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
4230 Harding Pike Ste 103, Nashville, TN 37205
36 Month Share Certificate Deposit
$0
3.50%
▲ 0.67% above Tennessee avg
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▲ 0.67% above avgNationally 2.82%
Details
Interest posted at maturity
Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 3 times
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
1314 Vultee Blvd, Nashville, TN 37217
3 Year Certificate
$500
3.50%
▲ 0.67% above Tennessee avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▲ 0.67% above avgNationally 2.82%
Details
Rate History
1 change since Sep 14, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00%
- Oct 30, 20263.50%▲ from 3.00%
- Sep 14, 20263.00%first recorded
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
511 Union St, Nashville, TN 37219
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
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
2600 Elm Hill Pike, Nashville, TN 37214
Home Purchase Share Certificate - 36 Month Variable
$1,000
3.40%
▲ 0.57% above Tennessee avg
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.83%▲ 0.57% above avgNationally 2.82%
Details
Variable rate; Rates effective October 21, 2026; Early withdrawal penalty may be waived for withdrawal in conjunction with purchase of a home
Rate History
No change since Oct 12, 2026 · 3.40% APY · checked 4 times
St Thomas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
4230 Harding Pike Ste 103, Nashville, TN 37205
36 Month Share Certificate Deposit (Interest posted quarterly)
$0
3.39%
▲ 0.57% above Tennessee avg
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▲ 0.57% above avgNationally 2.82%
Details
Balance: Over $50,000; Interest posted quarterly
Rate History
No change since Oct 22, 2026 · 3.39% APY · checked 3 times
St Thomas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
4230 Harding Pike Ste 103, Nashville, TN 37205
36 Month Share Certificate Deposit
$1,000
3.30%
▲ 0.47% above Tennessee avg
▼
Rate3.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▲ 0.47% above avgNationally 2.82%
Details
Interest posted at maturity; $1,000 Minimum
Rate History
No change since Oct 22, 2026 · 3.30% APY · checked 3 times
Outreach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
363 Woodycrest Ave, Nashville, TN 37210
Certificate Accounts - 36 Months
$1,000
3.29%
▲ 0.46% above Tennessee avg
▼
Rate3.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.83%▲ 0.46% above avgNationally 2.82%
Details
Rate History
No change since Oct 12, 2026 · 3.29% APY · checked 4 times
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2711 Old Lebanon Pike, Nashville, TN 37214
36 Month Share Certificate
$1,000
3.03%
▲ 0.20% above Tennessee avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▲ 0.20% above avgNationally 2.82%
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
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
908 Woodland St, Nashville, TN 37206
IRA Term Account - 3 Years
$0
3.02%
▲ 0.19% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.83%▲ 0.19% above avgNationally 2.82%
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 · 3.02% APY · checked 2 times
Parthenon Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.11%
2290 Rosa L Parks Blvd, Nashville, TN 37228 1306
Certificate of Deposit - 3 Years
$500
3.00%
▲ 0.17% above Tennessee avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.83%▲ 0.17% above avgNationally 2.82%
Details
Rates effective as of 2/17/2025; Minimum Deposit: $500.00; $50.00 minimum balance required in share account to open certificate; penalty for early withdrawal
Rate History
No change since Oct 15, 2026 · 3.00% APY · checked 3 times
Resound Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
1701 21st Ave s, Nashville, TN 37212 3703
36-Month Certificate
$0
3.00%
▲ 0.17% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▲ 0.17% above avgNationally 2.82%
Details
Balance: $500 to $24,999
Rate History
No change since Oct 10, 2026 · 3.00% APY · checked 6 times
Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
410 Donelson Pike, Nashville, TN 37214
IRA Share Certificate - 36 Month
$0
2.65%
▼ 0.18% below Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▼ 0.18% below avgNationally 2.82%
Details
IRA certificate; dividend rate guaranteed for the term; penalty for early withdrawal except after age 59 1/2
Rate History
No change since Oct 19, 2026 · 2.65% APY · checked 3 times
Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
410 Donelson Pike, Nashville, TN 37214
Share Certificate - 36 Month
$0
2.65%
▼ 0.18% below Tennessee avg
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▼ 0.18% below avgNationally 2.82%
Details
Dividend rate guaranteed for the term of the certificate; penalty for early withdrawal
Rate History
No change since Oct 19, 2026 · 2.65% APY · checked 3 times
Lawrence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
3200 West End Ave, Nashville, TN 37203
3 Year CD/IRA
$0
2.42%
▼ 0.41% below Tennessee avg
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.83%▼ 0.41% below avgNationally 2.82%
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 · 2.42% APY · checked 6 times
The Tennessee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1400 8TH Ave S, NASHVILLE, TN 37203 5007
Classic Share Certificate - 36 Month
$500
2.25%
▼ 0.58% below Tennessee avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.83%▼ 0.58% below avgNationally 2.82%
Details
Dividends paid monthly
Rate History
No change since Oct 5, 2026 · 2.25% APY · checked 5 times
Vanderbilt Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.69%
Suite 100, Nashville, TN 37232 0001
24-36 Month Certificates
$1,000
2.25%
▼ 0.58% below Tennessee avg
▼
Rate2.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▼ 0.58% below avgNationally 2.82%
Details
Minimum deposit of $1,000; Early withdrawal penalty may apply
Rate History
No change since Sep 30, 2026 · 2.25% APY · checked 8 times
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
1211 51st Ave N, Nashville, TN 37209 2120
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
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1516 16th Ave S, Nashville, TN 37212
3-Year Jumbo CD
$100,000
0.40%
▼ 2.43% below Tennessee avg
▼
Rate0.40%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▼ 2.43% below avgNationally 2.82%
Details
Rate History
No change since Sep 24, 2026 · 0.40% APY · checked 4 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1516 16th Ave S, Nashville, TN 37212
3-Year Term CD
$1,000
0.40%
▼ 2.43% below Tennessee avg
▼
Rate0.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▼ 2.43% below avgNationally 2.82%
Details
Rate History
No change since Oct 19, 2026 · 0.40% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1516 16th Ave S, Nashville, TN 37212
Term CD - 3-Year
$1,000
0.40%
▼ 2.43% below Tennessee avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▼ 2.43% below avgNationally 2.82%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 0.40% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1516 16th Ave S, Nashville, TN 37212
3-Year RampUp CD
$25,000
0.25%
▼ 2.58% below Tennessee avg
▼
Rate0.25%
Min Deposit$25,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.83%▼ 2.58% below avgNationally 2.82%
Details
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 4 times
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
511 Union St, Nashville, TN 37219
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
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1516 16th Ave S, Nashville, TN 37212
3 Year Certificate of Deposit
$500
0.05%
▼ 2.78% below Tennessee avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.83%▼ 2.78% below avgNationally 2.82%
Details
Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 9 times
Truist
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
401 Commerce St, Nashville, TN 37219
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
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1198 Broadway, Nashville, TN 37203
Certificate of Deposit - 36 Months
$1,000
0.03%
▼ 2.80% below Tennessee avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.83%▼ 2.80% below avgNationally 2.82%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1198 Broadway, Nashville, TN 37203
IRA CD 36 Months
$250
0.03%
▼ 2.80% below Tennessee avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.83%▼ 2.80% below avgNationally 2.82%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1198 Broadway, Nashville, TN 37203
Certificate of Deposit - 36 Months
$1,000
0.02%
▼ 2.81% below Tennessee avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.83%▼ 2.81% below avgNationally 2.82%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1198 Broadway, Nashville, TN 37203
IRA CD 36 Months
$250
0.02%
▼ 2.81% below Tennessee avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.83%▼ 2.81% below avgNationally 2.82%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1198 Broadway, Nashville, TN 37203
Certificate of Deposit - 36 Months
$1,000
0.01%
▼ 2.82% below Tennessee avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.83%▼ 2.82% below avgNationally 2.82%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1198 Broadway, Nashville, TN 37203
IRA CD 36 Months
$250
0.01%
▼ 2.82% below Tennessee avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.83%▼ 2.82% below avgNationally 2.82%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 4 times
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
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
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
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
Nashville 48 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
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%
89 Hermitage Ave, Nashville, TN 37210
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
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
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%
89 Hermitage Ave, Nashville, TN 37210
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%
89 Hermitage Ave, Nashville, TN 37210
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%
2034 Richard Jones Rd, Nashville, TN 37215
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%
2034 Richard Jones Rd, Nashville, TN 37215
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%
2034 Richard Jones Rd, Nashville, TN 37215
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%
2034 Richard Jones Rd, Nashville, TN 37215
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
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
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
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
2600 Elm Hill Pike, Nashville, TN 37214
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
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
908 Woodland St, Nashville, TN 37206
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
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
1314 Vultee Blvd, Nashville, TN 37217
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
St Thomas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
4230 Harding Pike Ste 103, Nashville, TN 37205
48 Month Share Certificate Deposit (Interest posted quarterly)
$0
3.44%
▲ 0.66% above Tennessee avg
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.78%▲ 0.66% above avgNationally 2.81%
Details
Balance: Over $50,000; Interest posted quarterly
Rate History
No change since Oct 22, 2026 · 3.44% APY · checked 3 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
511 Union St, Nashville, TN 37219
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
St Thomas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
4230 Harding Pike Ste 103, Nashville, TN 37205
48 Month Share Certificate Deposit
$1,000
3.35%
▲ 0.57% above Tennessee avg
▼
Rate3.35%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.78%▲ 0.57% above avgNationally 2.81%
Details
Interest posted at maturity; $1,000 Minimum
Rate History
No change since Oct 22, 2026 · 3.35% APY · checked 3 times
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2711 Old Lebanon Pike, Nashville, TN 37214
48 Month Share Certificate
$1,000
3.03%
▲ 0.25% above Tennessee avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.78%▲ 0.25% above avgNationally 2.81%
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
Parthenon Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.11%
2290 Rosa L Parks Blvd, Nashville, TN 37228 1306
Certificate of Deposit - 4 Years
$500
3.00%
▲ 0.22% above Tennessee avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.78%▲ 0.22% above avgNationally 2.81%
Details
Rates effective as of 2/17/2025; Minimum Deposit: $500.00; $50.00 minimum balance required in share account to open certificate; penalty for early withdrawal
Rate History
No change since Oct 15, 2026 · 3.00% APY · checked 3 times
Resound Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
1701 21st Ave s, Nashville, TN 37212 3703
48-Month Certificate
$0
3.00%
▲ 0.22% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.78%▲ 0.22% above avgNationally 2.81%
Details
Balance: $500 to $24,999
Rate History
No change since Oct 10, 2026 · 3.00% APY · checked 5 times
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
908 Woodland St, Nashville, TN 37206
IRA Term Account - 4 Years
$0
2.93%
▲ 0.15% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.78%▲ 0.15% above avgNationally 2.81%
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 · 2.93% APY · checked 2 times
Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
410 Donelson Pike, Nashville, TN 37214
IRA Share Certificate - 48 Month
$0
2.65%
▼ 0.13% below Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.78%▼ 0.13% below avgNationally 2.81%
Details
IRA certificate; dividend rate guaranteed for the term; penalty for early withdrawal except after age 59 1/2
Rate History
No change since Oct 19, 2026 · 2.65% APY · checked 3 times
Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
410 Donelson Pike, Nashville, TN 37214
Share Certificate - 48 Month
$0
2.65%
▼ 0.13% below Tennessee avg
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.78%▼ 0.13% below avgNationally 2.81%
Details
Dividend rate guaranteed for the term of the certificate; penalty for early withdrawal
Rate History
No change since Oct 19, 2026 · 2.65% APY · checked 3 times
Lawrence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
3200 West End Ave, Nashville, TN 37203
4 Year CD/IRA
$0
2.42%
▼ 0.36% below Tennessee avg
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.78%▼ 0.36% below avgNationally 2.81%
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 · 2.42% APY · checked 6 times
The Tennessee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1400 8TH Ave S, NASHVILLE, TN 37203 5007
Classic Share Certificate - 48 Month
$500
2.25%
▼ 0.53% below Tennessee avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.78%▼ 0.53% below avgNationally 2.81%
Details
Dividends paid monthly
Rate History
No change since Oct 5, 2026 · 2.25% APY · checked 5 times
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
1211 51st Ave N, Nashville, TN 37209 2120
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
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1516 16th Ave S, Nashville, TN 37212
4-Year Jumbo CD
$100,000
0.50%
▼ 2.28% below Tennessee avg
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.78%▼ 2.28% below avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 4 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1516 16th Ave S, Nashville, TN 37212
4-Year Term CD
$1,000
0.50%
▼ 2.28% below Tennessee avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.78%▼ 2.28% below avgNationally 2.81%
Details
Rate History
No change since Oct 19, 2026 · 0.50% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1516 16th Ave S, Nashville, TN 37212
Term CD - 4-Year
$1,000
0.50%
▼ 2.28% below Tennessee avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.78%▼ 2.28% below avgNationally 2.81%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 0.50% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1516 16th Ave S, Nashville, TN 37212
4-Year RampUp CD
$50,000
0.25%
▼ 2.53% below Tennessee avg
▼
Rate0.25%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.78%▼ 2.53% below avgNationally 2.81%
Details
Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 4 times
First Citizens Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1516 16th Ave S, Nashville, TN 37212
4 Year Certificate of Deposit
$500
0.15%
▼ 2.63% below Tennessee avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.78%▼ 2.63% below avgNationally 2.81%
Details
Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 9 times
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
511 Union St, Nashville, TN 37219
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%
401 Commerce St, Nashville, TN 37219
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
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1198 Broadway, Nashville, TN 37203
Certificate of Deposit - 48 Months
$1,000
0.03%
▼ 2.75% below Tennessee avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.78%▼ 2.75% below avgNationally 2.81%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1198 Broadway, Nashville, TN 37203
IRA CD 48 Months
$250
0.03%
▼ 2.75% below Tennessee avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.78%▼ 2.75% below avgNationally 2.81%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1198 Broadway, Nashville, TN 37203
Certificate of Deposit - 48 Months
$1,000
0.02%
▼ 2.76% below Tennessee avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.78%▼ 2.76% below avgNationally 2.81%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1198 Broadway, Nashville, TN 37203
IRA CD 48 Months
$250
0.02%
▼ 2.76% below Tennessee avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.78%▼ 2.76% below avgNationally 2.81%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1198 Broadway, Nashville, TN 37203
Certificate of Deposit - 48 Months
$1,000
0.01%
▼ 2.77% below Tennessee avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.78%▼ 2.77% below avgNationally 2.81%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1198 Broadway, Nashville, TN 37203
IRA CD 48 Months
$250
0.01%
▼ 2.77% below Tennessee avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.78%▼ 2.77% below avgNationally 2.81%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 4 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
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
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
Nashville 60 Month CD Rates
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
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%
89 Hermitage Ave, Nashville, TN 37210
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%
2034 Richard Jones Rd, Nashville, TN 37215
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%
2034 Richard Jones Rd, Nashville, TN 37215
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%
2034 Richard Jones Rd, Nashville, TN 37215
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%
2034 Richard Jones Rd, Nashville, TN 37215
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
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
89 Hermitage Ave, Nashville, TN 37210
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%
89 Hermitage Ave, Nashville, TN 37210
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%
89 Hermitage Ave, Nashville, TN 37210
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%
89 Hermitage Ave, Nashville, TN 37210
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
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
2600 Elm Hill Pike, Nashville, TN 37214
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
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
1314 Vultee Blvd, Nashville, TN 37217
5 Year Certificate
$500
4.00%
▲ 1.06% above Tennessee avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.94%▲ 1.06% above avgNationally 2.92%
Details
Rate History
1 change since Sep 14, 2026 · 3.35% → 4.00% ▲ 0.65 pts · high 4.00% / low 3.35%
- Oct 30, 20264.00%▲ from 3.35%
- Sep 14, 20263.35%first recorded
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
908 Woodland St, Nashville, TN 37206
5 Year Share Certificate
$0
3.98%
▲ 1.04% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.94%▲ 1.04% above avgNationally 2.92%
Details
Balance: $1,000 - $74,999; Effective 10/1/2026
Rate History
1 change since Sep 21, 2026 · 3.75% → 3.98% ▲ 0.23 pts · high 3.98% / low 3.75%
- Oct 9, 20263.98%▲ from 3.75%
- Sep 21, 20263.75%first recorded
RBMAX
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
2034 Richard Jones Rd, Nashville, TN 37215
CD - 60 Month
$1,000
3.50%
▲ 0.56% above Tennessee avg
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.94%▲ 0.56% above avgNationally 2.92%
Details
Partial withdrawals allowed; $100,000 maximum deposit per CD product; Annual Percentage Yield as of 10/19/2026
Rate History
No change since Oct 20, 2026 · 3.50% APY · checked 3 times
St Thomas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
4230 Harding Pike Ste 103, Nashville, TN 37205
60 Month Share Certificate Deposit (Interest posted quarterly)
$0
3.50%
▲ 0.56% above Tennessee avg
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.94%▲ 0.56% above avgNationally 2.92%
Details
Balance: Over $50,000; Interest posted quarterly
Rate History
No change since Oct 22, 2026 · 3.50% APY · checked 3 times
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
511 Union St, Nashville, TN 37219
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
St Thomas Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.01%
4230 Harding Pike Ste 103, Nashville, TN 37205
60 Month Share Certificate Deposit
$1,000
3.40%
▲ 0.46% above Tennessee avg
▼
Rate3.40%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.94%▲ 0.46% above avgNationally 2.92%
Details
Interest posted at maturity; $1,000 Minimum
Rate History
No change since Oct 22, 2026 · 3.40% APY · checked 3 times
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
2711 Old Lebanon Pike, Nashville, TN 37214
60 Month Share Certificate
$1,000
3.03%
▲ 0.09% above Tennessee avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.94%▲ 0.09% above avgNationally 2.92%
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
Parthenon Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.11%
2290 Rosa L Parks Blvd, Nashville, TN 37228 1306
Certificate of Deposit - 5 Years
$500
3.00%
▲ 0.06% above Tennessee avg
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.94%▲ 0.06% above avgNationally 2.92%
Details
Rates effective as of 2/17/2025; Minimum Deposit: $500.00; $50.00 minimum balance required in share account to open certificate; penalty for early withdrawal
Rate History
No change since Oct 15, 2026 · 3.00% APY · checked 3 times
Outreach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.07%
363 Woodycrest Ave, Nashville, TN 37210
Certificate Accounts - 60 Months
$1,000
3.00%
▲ 0.06% above Tennessee avg
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 28, 2026
Tennessee Average2.94%▲ 0.06% above avgNationally 2.92%
Details
Rate History
No change since Oct 12, 2026 · 3.00% APY · checked 4 times
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
908 Woodland St, Nashville, TN 37206
IRA Term Account - 5 Years
$0
2.98%
▲ 0.04% above Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.94%▲ 0.04% above avgNationally 2.92%
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 · 2.98% APY · checked 2 times
Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
410 Donelson Pike, Nashville, TN 37214
IRA Share Certificate - 60 Month
$0
2.65%
▼ 0.29% below Tennessee avg
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.94%▼ 0.29% below avgNationally 2.92%
Details
IRA certificate; dividend rate guaranteed for the term; penalty for early withdrawal except after age 59 1/2
Rate History
No change since Oct 19, 2026 · 2.65% APY · checked 3 times
Old Hickory Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.53%
410 Donelson Pike, Nashville, TN 37214
Share Certificate - 60 Month
$0
2.65%
▼ 0.29% below Tennessee avg
▼
Rate2.62%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.94%▼ 0.29% below avgNationally 2.92%
Details
Dividend rate guaranteed for the term of the certificate; penalty for early withdrawal
Rate History
No change since Oct 19, 2026 · 2.65% APY · checked 3 times
Fsnb
Institution Rating:
A+5.0 ★Texas Ratio: 4.08%
7044 Charlotte Pike, Nashville, TN 37209
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
Lawrence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
3200 West End Ave, Nashville, TN 37203
5 Year CD/IRA
$0
2.42%
▼ 0.52% below Tennessee avg
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.94%▼ 0.52% below avgNationally 2.92%
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 · 2.42% APY · checked 6 times
The Tennessee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
1400 8TH Ave S, NASHVILLE, TN 37203 5007
Classic Share Certificate - 60 Month
$500
2.25%
▼ 0.69% below Tennessee avg
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 29, 2026
Tennessee Average2.94%▼ 0.69% below avgNationally 2.92%
Details
Dividends paid monthly
Rate History
No change since Oct 5, 2026 · 2.25% APY · checked 5 times
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
1005 17th Ave S, Nashville, TN 37212
60 Month Personal CD
$0
1.31%
▼ 1.63% below Tennessee avg
▼
Rate1.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.94%▼ 1.63% below avgNationally 2.92%
Details
Rate History
No change since Oct 14, 2026 · 1.31% APY · checked 4 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1516 16th Ave S, Nashville, TN 37212
5-Year Jumbo CD
$100,000
0.50%
▼ 2.44% below Tennessee avg
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.94%▼ 2.44% below avgNationally 2.92%
Details
Rate History
No change since Sep 24, 2026 · 0.50% APY · checked 4 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1516 16th Ave S, Nashville, TN 37212
5-Year Term CD
$1,000
0.50%
▼ 2.44% below Tennessee avg
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.94%▼ 2.44% below avgNationally 2.92%
Details
Rate History
No change since Oct 19, 2026 · 0.50% APY · checked 3 times
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
1516 16th Ave S, Nashville, TN 37212
Term CD - 5-Year
$1,000
0.50%
▼ 2.44% below Tennessee avg
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 30, 2026
Tennessee Average2.94%▼ 2.44% below avgNationally 2.92%
Details
Minimum of $1,000 to open your account
Rate History
No change since Oct 19, 2026 · 0.50% APY · checked 3 times
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
511 Union St, Nashville, TN 37219
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%
401 Commerce St, Nashville, TN 37219
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
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1198 Broadway, Nashville, TN 37203
Certificate of Deposit - 60 Months
$1,000
0.03%
▼ 2.91% below Tennessee avg
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.94%▼ 2.91% below avgNationally 2.92%
Details
Balance: $25,000.00 and above
Rate History
No change since Oct 20, 2026 · 0.03% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1198 Broadway, Nashville, TN 37203
IRA CD 60 Months
$250
0.03%
▼ 2.91% below Tennessee avg
▼
Rate0.03%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.94%▼ 2.91% below avgNationally 2.92%
Details
Balance: $25,000.00 and above; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.03% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1198 Broadway, Nashville, TN 37203
Certificate of Deposit - 60 Months
$1,000
0.02%
▼ 2.92% below Tennessee avg
▼
Rate0.02%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.94%▼ 2.92% below avgNationally 2.92%
Details
Balance: $1,000.00 - $24,999.99
Rate History
No change since Oct 20, 2026 · 0.02% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1198 Broadway, Nashville, TN 37203
IRA CD 60 Months
$250
0.02%
▼ 2.92% below Tennessee avg
▼
Rate0.02%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.94%▼ 2.92% below avgNationally 2.92%
Details
Balance: $1,000.00 - $24,999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.02% APY · checked 4 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1198 Broadway, Nashville, TN 37203
Certificate of Deposit - 60 Months
$1,000
0.01%
▼ 2.93% below Tennessee avg
▼
Rate0.01%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.94%▼ 2.93% below avgNationally 2.92%
Details
Balance: $1.00 - $999.99
Rate History
No change since Oct 20, 2026 · 0.01% APY · checked 3 times
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
1198 Broadway, Nashville, TN 37203
IRA CD 60 Months
$250
0.01%
▼ 2.93% below Tennessee avg
▼
Rate0.01%
Min Deposit$250
Min BalanceN/A
Verified and UpdatedOct 31, 2026
Tennessee Average2.94%▼ 2.93% below avgNationally 2.92%
Details
Balance: $1.00 - $999.99; Annual custodian fee of $25 may be assessed if balance is less than $2000
Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 4 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
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
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
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
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
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
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%
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
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
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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.
Nashville, TN CD Rate Trends
Compare local Nashville, 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 Nashville, 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 Nashville, Tennessee
Tracked in Nashville, Tennessee
33 Banks
75 Credit Unions
About Our Nashville, Tennessee CD Rate Database
MonitorBankRates tracks 1,176 CD rates from 33 banks and 75 credit unions with locations in Nashville, 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: Finworth, a division of InsBank offers a CD at 4.55% APY with a minimum deposit of $50,000. Use the rate table above to compare all current offers in Nashville, Tennessee.
How to Find the Best CD Rates in Nashville, Tennessee
What to compare when shopping for a CD in Nashville, Tennessee
To find the best APYs in Nashville, Tennessee, start with credit unions and online-only banks: Nashville, Tennessee has 75 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 Nashville, 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 Nashville, Tennessee: 108 institutions here report CD rates
Consider an Alternative If…
- You may need the funds within 30 days. Compare Nashville, 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 Nashville, 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
$133/yr
At TN 12-mo avg 3.139% 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 3.139%, saving 10% of the local median salary ($4,241/year) and putting it in a CD would earn an additional $133 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 Nashville, 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 Nashville, 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 Nashville, 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 Nashville, Tennessee savers easier access to their funds. For example, Finworth, a division of InsBank is offering its 6 Month Certificate of Deposit at 4.25% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, US Community Credit Union is offering its IRA 5 Year Certificate at 4.28% 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 Nashville, 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 Nashville, 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 Nashville, 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 Nashville, Tennessee
What are CD rates in Nashville, Tennessee today?
Nashville, Tennessee CD rates range from 0.01% to 5.00% APY as of October 31, 2026, verified by MonitorBankRates. Top rates include 4.55% APY at Finworth, a division of InsBank (2 Year Certificate of Deposit), 4.52% at Nashville Firemens Credit Union (IRA Term Account - 12 Months) and 4.39% at City National Bank (Special 12-Month Fixed Rate CD), compared with the MonitorBankRates national 12 month average of 3.01% APY.
Are CD rates in Nashville, Tennessee FDIC insured?
Yes, most established banks in Nashville, 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 Nashville, 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 Nashville, 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 Nashville, 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 Nashville, Tennessee?
Here are recent top rates found for this area:
- Finworth, a division of InsBank: 4.55% APY (2 Year Certificate of Deposit)
- Nashville Firemens Credit Union: 4.52% APY (IRA Term Account - 12 Months)
- City National Bank: 4.39% APY (Special 12-Month Fixed Rate CD)
- US Community Credit Union: 4.28% APY (IRA 5 Year Certificate)
- Republic Bank & Trust Company: 4.25% APY (Certificate of Deposit - 60 Month)
- Ascend Federal Credit Union: 4.25% APY (Jumbo Share Certificate - 12 Months)
- St Thomas Credit Union: 4.21% APY (12 Month Share Certificate Deposit)
- Southeast Financial Credit Union: 4.00% APY (5 Year Certificate)
- CIT Bank: 4.00% APY (1-Year Term CD)
- Old Hickory Credit Union: 3.75% APY (IRA Share Certificate - 12 Month)
Rates reflect recent verified offers available in Nashville, Tennessee. Last Updated: October 31, 2026
Nashville, 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 Nashville, 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 Nashville, Tennessee
Nashville, Tennessee CD Calculator
At today’s TN top rate of 4.55% APY, a $10,000 deposit earns $455 in the first year. Enter your amount to see your exact return.
Nashville, 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 Nashville, Tennessee CD at 4.55% 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 Nashville, 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 Nashville, 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 Nashville, 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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