Primm Springs, Tennessee CD Rates Today - Compare Best APYs for June 2026
Brian McKay
Brian McKay
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Current Primm Springs, Tennessee CD rates include Peoples Bank of Middle TennesseePeoples Bank of Middle TennesseeA+5.0 ★Texas Ratio: 2.98%Real return: +2.00%APY minus CPI (February 2026) offering 18-Month CD at 4.80% APY, Community Trust BankCommunity Trust BankA+5.0 ★Texas Ratio: 2.24%Real return: +1.45%APY minus CPI (February 2026) offering 12-Month CD Special at 4.25% APY, ORNLORNLA+5.0 ★Texas Ratio: 3.85%Real return: +1.45%APY minus CPI (February 2026) offering 60-Month Certificate at 4.25% APY, Sonata BankSonata BankA+5.0 ★Texas Ratio: 2.99%Real return: +1.25%APY minus CPI (February 2026) offering 6-Month CD Special at 4.05% APY, and Firefighters First Federal Credit UnionFirefighters First Federal Credit UnionA+5.0 ★Texas Ratio: 1.51%Real return: +1.20%APY minus CPI (February 2026) offering Share Certificates 5 Years at 4.00% APY. CD rates as of June 16, 2026 according to verified data from MonitorBankRates.
Primm Springs is a smaller community with no bank or credit union branches currently in our database. 472 institutions serving the Tennessee area are available to Primm Springs residents, with CD rates as high as 4.80% APY from Peoples Bank of Middle Tennessee. Rates are continually updated — we recommend checking back frequently.
The Annual Percentage Yields (APYs) displayed reflect actual verified offers from top-rated institutions. Rates are subject to change at the institution's discretion without notice and may depend on your initial funding amount. A substantial penalty may be imposed for early withdrawal, which could reduce earnings on the account. CD Rates Last Updated and Verified: June 16, 2026
Compare Best CD Rates in Primm Springs, Tennessee & the Surrounding Area
Primm Springs 3 Month CD Rates
Balances of $500.00-$99,999.99
IRA
Fixed rate certificate, IRA, and HSA requirements.
Loss of dividend penalty for early withdrawal.
Relationship APY: 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Relationship APY: 0.06%. Early withdrawal penalties may apply. Additional terms are available at a branch.
Business Share Certificate $100,000+
Primm Springs 6 Month CD Rates
Interest Compounded & Credited: Quarterly
A penalty applies for early withdrawal.
Early withdrawal penalty will apply. Rate and offer subject to change without notice. Fees could reduce earnings on account. Not available to institutional investors.
Balances of $500.00-$99,999.99
Dividend Rate: 3.59% for $1,000 - $49,999.99; Dividend Rate: 3.64% for $50,000 - $99,999.99; Dividend Rate: 3.69% for $100,000 and over
Dividend Rate: 3.59% for $1,000 - $49,999.99; Dividend Rate: 3.64% for $50,000 - $99,999.99; Dividend Rate: 3.69% for $100,000 and over
Dividend Rate: 3.59% for $1,000 - $49,999.99; Dividend Rate: 3.64% for $50,000 - $99,999.99; Dividend Rate: 3.69% for $100,000 and over
Early withdrawal penalty = 90 days dividend, earned or not.
Limited-Time Offer. New money deposits only. The Annual Percentage Yield (APY) assumes interest remains on deposit until maturity. A withdrawal and/or fees may reduce earnings. Interest penalty will be imposed for early withdrawal. The rate and APY is effective as of 10/29/25 and is subject to change on the Bank's discretion.
One withdrawal with no penalty - all subsequent withdrawals incur a 90 day dividend penalty.
IRA
Special Offers
A penalty will be applied for early withdrawal.
Fixed rate certificate, IRA, and HSA requirements.
Fixed rate certificate, IRA, and HSA requirements.
$10,000
Primm Springs 12 Month CD Rates
A penalty applies for early withdrawal.
($500 minimum deposit required)
($500 minimum deposit required)
Dividend Rate $10,000 - $49,999.99: 3.84%, Annual Percentage Yield $10,000 - $49,999.99: 3.91%, Dividend Rate $50,000 - $99,999.99: 3.84%, Annual Percentage Yield $50,000 - $99,999.99: 3.91%, Dividend Rate $100,000 and over: 3.84%, Annual Percentage Yield $100,000 and over: 3.91%
Interest Compounded & Credited: Quarterly
Early withdrawal penalty will apply. Rate and offer subject to change without notice. Fees could reduce earnings on account. Not available to institutional investors.
Dividend Rate: 3.74% for $1,000 - $49,999.99; Dividend Rate: 3.74% for $50,000 - $99,999.99; Dividend Rate: 3.74% for $100,000 and over
Balances of $500.00-$99,999.99
Early withdrawal penalty = 90 days dividend earned or not.
Special Offer
Special Offer
Minimum balance to earn APY: $100,000
Traditional IRAs and Roth IRA Certificates
IRA
Primm Springs 18 Month CD Rates
A penalty applies for early withdrawal.
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Minimum balance to earn APY: $100,000
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
$50,000
$50,000
$500
$10,000
$50,000
$500
$10,000
Business Share Certificate $100,000+
$500
$10,000
Jumbo Certificate $100,000+
Share Certificate $50,000-99,999
Jumbo Certificate $100,000+
Education IRA Share Certificate $500-9,999
Traditional IRAs and Roth IRA Certificates
IRA
Early withdrawal penalty = 90 days dividend earned or not.
Variable rate
Primm Springs 24 Month CD Rates
Dividend Rate $10,000 - $49,999.99: 3.93%, Annual Percentage Yield $10,000 - $49,999.99: 4.00%, Dividend Rate $50,000 - $99,999.99: 3.98%, Annual Percentage Yield $50,000 - $99,999.99: 4.05%, Dividend Rate $100,000 and over: 4.03%, Annual Percentage Yield $100,000 and over: 4.10%
A penalty applies for early withdrawal.
Minimum balance to earn APY: $100,000
Fixed rate certificate, IRA, and HSA requirements.
Early withdrawal penalty 120 days
Fixed rate certificate, IRA, and HSA requirements.
Traditional IRAs and Roth IRA Certificates
Balances of $500.00-$99,999.99
Early withdrawal penalty = 90 days dividend earned or not.
IRA
$10,000
$50,000
$500
$10,000
$500
$10,000
$50,000
$500
$50,000
Primm Springs 36 Month CD Rates
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
($500 minimum deposit required)
($500 minimum deposit required)
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Minimum balance to earn APY: $100,000
Minimum balance to earn APY: $100,000
Traditional IRAs and Roth IRA Certificates
Fixed rate certificate, IRA, and HSA requirements.
Early withdrawal penalty 182 days
Fixed rate certificate, IRA, and HSA requirements.
A penalty will be applied for early withdrawal.
Balances of $500.00-$99,999.99
IRA
Interest Pays Quarterly
Primm Springs 48 Month CD Rates
Fixed rate certificate, IRA, and HSA requirements.
Fixed rate certificate, IRA, and HSA requirements.
Minimum balance to earn APY: $100,000
Traditional IRAs and Roth IRA Certificates
Balances of $500.00-$99,999.99
A penalty will be applied for early withdrawal.
IRA
Interest Pays Quarterly
Primm Springs 60 Month CD Rates
($500 minimum deposit required)
($500 minimum deposit required)
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Dividend Rate $10,000 - $49,999.99: 3.93%, Annual Percentage Yield $10,000 - $49,999.99: 4.00%, Dividend Rate $50,000 - $99,999.99: 3.98%, Annual Percentage Yield $50,000 - $99,999.99: 4.05%, Dividend Rate $100,000 and over: 4.03%, Annual Percentage Yield $100,000 and over: 4.10%
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Dividend Rate: 3.83% for $1,000 - $49,999.99; Dividend Rate: 3.88% for $50,000 - $99,999.99; Dividend Rate: 3.93% for $100,000 and over
Fixed rate certificate, IRA, and HSA requirements.
Fixed rate certificate, IRA, and HSA requirements.
Minimum balance to earn APY: $100,000
Traditional IRAs and Roth IRA Certificates
A penalty applies for early withdrawal.
A penalty will be applied for early withdrawal.
Balances of $500.00-$99,999.99
IRA
Interest Pays Quarterly
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Primm Springs, TN CD Rate Trends
Compare local Primm Springs, 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.
Tennessee 12-month CD rates rose 0.208 points over the past 7 days to 2.127% APY.
Tennessee 6-month CD rates rose 0.207 points over the past 7 days to 1.643% APY.
TN CD Rate Forecast — Next 12 Months
Where are Tennessee CD rates headed through June 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
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 | 1.836% | $91.81 | $183.61 | $459.03 | $918.05 |
| 6-Month CD | 1.643% | $82.13 | $164.25 | $410.63 | $821.25 |
| 12-Month CD | 2.127% | $106.33 | $212.66 | $531.65 | $1,063.30 |
| 18-Month CD | 2.911% | $145.54 | $291.07 | $727.68 | $1,455.35 |
| 24-Month CD | 2.822% | $141.08 | $282.16 | $705.40 | $1,410.80 |
| 36-Month CD | 3.038% | $151.91 | $303.82 | $759.55 | $1,519.10 |
| 48-Month CD | 2.845% | $142.27 | $284.54 | $711.35 | $1,422.70 |
| 60-Month CD | 3.075% | $153.76 | $307.51 | $768.78 | $1,537.55 |
| Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of June 16, 2026. | |||||
Sample CD Ladder for Primm Springs, 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 | 1.836% | $91.81 |
| 2 | 6-Month CD | $5,000 | 1.643% | $82.13 |
| 3 | 12-Month CD | $5,000 | 2.127% | $106.33 |
| 4 | 24-Month CD | $5,000 | 2.822% | $141.08 |
| 5 | 36-Month CD | $5,000 | 3.038% | $151.91 |
| Total ($25,000 invested) | $25,000 | 2.293% blended | $573.26/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.
Tracked in Primm Springs, Tennessee
About Our Primm Springs, Tennessee CD Rate Database
MonitorBankRates tracks 402 CD rates from 21 banks and 29 credit unions with locations in Primm Springs, Tennessee, plus national online institutions available to Tennessee residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Peoples Bank of Middle Tennessee offers a CD at 4.80% APY with a minimum deposit of $500. Use the rate table above to compare all current offers in Primm Springs, Tennessee.
How to Find the Best CD Rates in Primm Springs, Tennessee
What to compare when shopping for a CD in Primm Springs, Tennessee
To find the best APYs in Primm Springs, Tennessee, start with credit unions and online-only banks — Primm Springs, Tennessee has 29 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 Primm Springs, 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 Primm Springs, Tennessee — 50 institutions here report CD rates
Consider an Alternative If…
- You may need funds within 30 days → Primm Springs, Tennessee savings rates
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing access → Primm Springs, 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)
17.1% of residents are 65 or older, in line with the national average of 17.3%. At today’s TN 12-month CD average of 2.127%, saving 10% of the local median salary ($4,241/year) and putting it in a CD would earn an additional $90 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 Primm Springs, Tennessee
What to compare when choosing between a CD and other deposit accounts
| Feature | CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked for term | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (months of interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known savings goal, CD ladder | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
How Certificates of Deposit Work in Primm Springs, Tennessee
A certificate of deposit (CD) is a deposit account that holds a fixed sum of money for a fixed term, commonly three months to five years, in exchange for a guaranteed interest rate. In return for leaving the money untouched until the term ends, a saver in Primm Springs, 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 Primm Springs, Tennessee as everywhere in the U.S.
Choosing a CD Term in Primm Springs, Tennessee
The term is the length of time the money is committed before the CD matures. Shorter terms such as three or six months give Primm Springs, Tennessee savers easier access to their funds. For example, Sonata Bank is offering its 6-Month CD Special at 4.05% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Peoples Bank of Middle Tennessee is offering its 60-Month CD at 4.50% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.
CD Risk and Safety for Primm Springs, Tennessee Savers
CDs are among the lowest-risk savings products available because the rate is fixed for the full term and the balance is federally insured up to $250,000 per depositor, per institution, per ownership category. For a Primm Springs, Tennessee saver, the main trade-off is liquidity: withdrawing funds before maturity usually triggers an early-withdrawal penalty, often 30 to 180 days of interest depending on the term.
How CD Interest Is Paid in Primm Springs, Tennessee
Interest on a CD is calculated using the annual percentage yield (APY), which reflects the effect of compounding over a year. Depending on the institution, interest may be credited monthly, quarterly, or at maturity, and can be paid out to a linked account or added back to the CD to compound. When comparing the Primm Springs, Tennessee CDs listed above, a saver gets the truest picture of total earnings by looking at APY rather than the nominal rate.
Fixed vs. Variable CD Rates in Primm Springs, Tennessee
Most CDs carry a fixed rate that is locked for the entire term, protecting a Primm Springs, 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 Primm Springs, Tennessee
Are CD rates in Primm Springs, Tennessee FDIC insured?
Do I have to pay state taxes on CD interest in Primm Springs, Tennessee?
Can I withdraw my money early from a CD?
What is the difference between a Jumbo CD and a regular CD?
Are fixed-rate CDs better than variable-rate CDs?
What is a CD ladder?
Best CD rates in Primm Springs, Tennessee?
- Peoples Bank of Middle Tennessee: 4.80% APY (18-Month CD)
- Community Trust Bank: 4.25% APY (12-Month CD Special)
- ORNL: 4.25% APY (60-Month Certificate)
- Sonata Bank: 4.05% APY (6-Month CD Special)
- Tennessee Valley Federal Credit Union: 4.00% APY (Term - 18 Months*)
- Firefighters First Federal Credit Union: 4.00% APY (18 Month IRA)
- Enrichment Federal Credit Union: 4.00% APY (6 Month*)
- SouthEast Bank: 4.00% APY (6-Month CD Special)
- EPB Employees Credit Union: 3.95% APY (2 1/2-Year CD)
- UNIFY Financial Federal Credit Union: 3.91% APY (18-Month Variable)
CD Calculators for Primm Springs, Tennessee
At today’s TN top rate of 4.80% APY, a $10,000 deposit earns $480 in the first year. Enter your amount to see your exact return.
Primm Springs, Tennessee CD LadderTN CD rates currently range from 1.836% (3-month) to 3.038% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.
Early Withdrawal PenaltyBefore locking into a Primm Springs, Tennessee CD at 4.80% APY, know your exit cost. Most institutions charge 90–180 days of interest — calculate your real net return if you need early access.
CD vs. High-Yield SavingsTennessee’s average 12-month CD is 2.127% 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 Primm Springs, 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 Primm Springs, 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 Primm Springs, 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.
Primm Springs, Tennessee Rates & Resources
