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CD Rate Trends

South Carthage, Tennessee Best CD Rates October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| iEditorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | CD Rates Last Updated and Verified: October 12, 2026

South Carthage, Tennessee CD rates from banks and credit unions serving Tennessee range from 0.01% to 4.95% APY, verified by MonitorBankRates as of October 12, 2026. Current South Carthage, Tennessee CD rates include Hope Federal Credit Union Jackson, MSHope Federal Credit Union Jackson, MSA5.0 ★Texas Ratio: 7.78%Real return: +2.15%APY minus CPI (February 2026) offering 60 Month Jumbo Share Certificates (CDs) at 4.95% APY, Y-12 Federal Credit UnionY-12 Federal Credit UnionA+5.0 ★Texas Ratio: 3.67%Real return: +1.95%APY minus CPI (February 2026) offering 12 Month Business Share Certificate at 4.75% APY, Austin Capital BankAustin Capital BankA+5.0 ★Texas Ratio: 2.96%Real return: +1.78%APY minus CPI (February 2026) offering 3 Month CD at 4.58% APY, Tennessee Valley Federal Credit UnionTennessee Valley Federal Credit UnionA+5.0 ★Texas Ratio: 3.70%Real return: +1.70%APY minus CPI (February 2026) offering 12 Month Business Share Certificates at 4.50% APY, and ORNL Federal Credit UnionORNL Federal Credit UnionA+5.0 ★Texas Ratio: 4.18%Real return: +1.70%APY minus CPI (February 2026) offering 36-Month IRA PROMOTIONAL Certificate at 4.50% APY. CD rates as of October 12, 2026 according to verified data from MonitorBankRates.

South Carthage is a smaller community with no bank or credit union branches currently in our database. 737 institutions serving the Tennessee area are available to South Carthage residents, with CD rates as high as 4.95% APY from Hope Federal Credit Union Jackson, MS. 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 12, 2026

Compare Best CD Rates in South Carthage, Tennessee & the Surrounding Area

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South Carthage 3 Month CD Rates

Tennessee 3 Month CD Average1.95% APYNational 2.10%▼ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
3 Month CD
$1,000
4.58% ▲ 2.63% above Tennessee avg
View
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average1.95%▲ 2.63% above avgNationally 2.10%
Details

APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.

Rate History
1 change since Sep 14, 2026 · 4.32% → 4.58% ▲ 0.26 pts · high 4.58% / low 4.32%
3.82%4.45%5.08%Sep 14, 2026: 4.32% APYOct 7, 2026: 4.58% APYSep 14, 2026Oct 12, 2026
  • Oct 7, 20264.58%▲ from 4.32%
  • Sep 14, 20264.32%first recorded
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
3 Month Certificate
$0
4.00% ▲ 2.05% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average1.95%▲ 2.05% above avgNationally 2.10%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 5, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
  • Oct 5, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Finworth, a division of InsBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
90 Days (3 Months) Certificate
$0
3.95% ▲ 2.00% above Tennessee avg
View
▼
Rate3.89%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average1.95%▲ 2.00% above avgNationally 2.10%
Details

Rate History
No change since Oct 7, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 7, 2026: 3.95% APYOct 7, 2026Oct 12, 2026
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
3 Month Share Certificate Account
$1,000
3.87% ▲ 1.92% above Tennessee avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average1.95%▲ 1.92% above avgNationally 2.10%
Details

Rate History
No change since Sep 18, 2026 · 3.87% APY · checked 6 times
3.37%3.87%4.37%Sep 18, 2026: 3.87% APYSep 18, 2026Oct 12, 2026
TNConnect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
Tailored Certificate - 3 month
$0
3.75% ▲ 1.80% above Tennessee avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average1.95%▲ 1.80% above avgNationally 2.10%
Details

Rate History
No change since Sep 22, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 22, 2026: 3.75% APYSep 22, 2026Oct 12, 2026
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
3 Month Share Certificate
$1,000
3.68% ▲ 1.73% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average1.95%▲ 1.73% above avgNationally 2.10%
Details

Balance: $1,000-$74,999

Rate History
1 change since Sep 21, 2026 · 3.59% → 3.68% ▲ 0.09 pts · high 3.68% / low 3.59%
3.09%3.64%4.18%Sep 21, 2026: 3.59% APYOct 9, 2026: 3.68% APYSep 21, 2026Oct 12, 2026
  • 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%
3 Month Regular, Business and / or IRA Share Certificate
$1,000
3.66% ▲ 1.71% above Tennessee avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average1.95%▲ 1.71% above avgNationally 2.10%
Details

Rate History
No change since Sep 20, 2026 · 3.66% APY · checked 3 times
3.16%3.66%4.16%Sep 20, 2026: 3.66% APYSep 20, 2026Oct 12, 2026
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
Regular, Business and / or IRA Share Certificate - 3 Months
$1,000
3.66% ▲ 1.71% above Tennessee avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average1.95%▲ 1.71% above avgNationally 2.10%
Details

Rate History
No change since Oct 8, 2026 · 3.66% APY
3.16%3.66%4.16%Oct 8, 2026: 3.66% APYOct 8, 2026Oct 12, 2026
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
3 Month Share Certificate
$1,000
3.60% ▲ 1.65% above Tennessee avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average1.95%▲ 1.65% above avgNationally 2.10%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 12, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3 Month IRA Certificate
$0
3.60% ▲ 1.65% above Tennessee avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Tennessee Average1.95%▲ 1.65% above avgNationally 2.10%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 12, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
3 Month Share Certificates
$0
3.60% ▲ 1.65% above Tennessee avg
View
▼
Rate3.54%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Tennessee Average1.95%▲ 1.65% above avgNationally 2.10%
Details

Rate History
No change since Sep 29, 2026 · 3.60% APY
3.10%3.60%4.10%Sep 29, 2026: 3.60% APYSep 29, 2026Oct 12, 2026
Veritas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
3 Month Certificate
$0
3.55% ▲ 1.60% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average1.95%▲ 1.60% above avgNationally 2.10%
Details

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 6 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 12, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
3 Month Certificate
$500
3.50% ▲ 1.55% above Tennessee avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average1.95%▲ 1.55% above avgNationally 2.10%
Details

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 12, 2026
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
3 Month Certificate of Deposit
$0
3.29% ▲ 1.34% above Tennessee avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average1.95%▲ 1.34% above avgNationally 2.10%
Details

Rate History
No change since Oct 8, 2026 · 3.29% APY · checked 2 times
2.79%3.29%3.79%Oct 8, 2026: 3.29% APYOct 8, 2026Oct 12, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
3 Month Certificate
$0
3.04% ▲ 1.09% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average1.95%▲ 1.09% above avgNationally 2.10%
Details

Jumbo Certificate; quarterly dividends

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 2 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 12, 2026
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
3 Month Share Certificate Dividends
$0
3.03% ▲ 1.08% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average1.95%▲ 1.08% above avgNationally 2.10%
Details

Rate History
No change since Sep 22, 2026 · 3.03% APY · checked 4 times
2.53%3.03%3.53%Sep 22, 2026: 3.03% APYSep 22, 2026Oct 12, 2026
Resound Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
3-Month Certificate
$0
3.00% ▲ 1.05% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average1.95%▲ 1.05% above avgNationally 2.10%
Details

Balance: $500.00 to $24,999.99

Rate History
1 change since Sep 14, 2026 · 4.10% → 3.00% ▼ 1.10 pts · high 4.10% / low 3.00%
1.90%3.55%5.20%Sep 14, 2026: 4.10% APYOct 10, 2026: 3.00% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20263.00%▼ from 4.10%
  • Sep 14, 20264.10%first recorded
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
3 Month Certificate
$0
2.99% ▲ 1.04% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average1.95%▲ 1.04% above avgNationally 2.10%
Details

Regular Certificate; quarterly dividends

Rate History
No change since Sep 14, 2026 · 2.99% APY · checked 2 times
2.49%2.99%3.49%Sep 14, 2026: 2.99% APYSep 14, 2026Oct 12, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
3 Month Certificate
$0
2.94% ▲ 0.99% above Tennessee avg
View
▼
Rate2.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average1.95%▲ 0.99% above avgNationally 2.10%
Details

Rate History
No change since Sep 24, 2026 · 2.94% APY · checked 5 times
2.44%2.94%3.44%Sep 24, 2026: 2.94% APYSep 24, 2026Oct 12, 2026
Lawrence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
3 Month CD/IRA
$0
2.52% ▲ 0.57% above Tennessee avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average1.95%▲ 0.57% above avgNationally 2.10%
Details

Rate History
No change since Sep 14, 2026 · 2.52% APY · checked 8 times
2.02%2.52%3.02%Sep 14, 2026: 2.52% APYSep 14, 2026Oct 12, 2026
The Tennessee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
Classic Share Certificate - 3 Month
$0
2.25% ▲ 0.30% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average1.95%▲ 0.30% above avgNationally 2.10%
Details

Dividends Paid: Monthly

Rate History
No change since Oct 5, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Oct 5, 2026: 2.25% APYOct 5, 2026Oct 12, 2026
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
3 Month CDs (Certificates)
$100
2.18% ▲ 0.23% above Tennessee avg
View
▼
Rate2.16%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average1.95%▲ 0.23% above avgNationally 2.10%
Details

Additional deposits are permitted to share certificates up to 10 days after open/renewal date. All rates subject to change without notice. Call 901.380.7400 for current rate information.

Rate History
No change since Sep 14, 2026 · 2.18% APY · checked 6 times
1.68%2.18%2.68%Sep 14, 2026: 2.18% APYSep 14, 2026Oct 12, 2026
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
1 - 3 Month CD
$1,000
2.03% ▲ 0.08% above Tennessee avg
View
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average1.95%▲ 0.08% above avgNationally 2.10%
Details

Rate History
No change since Oct 3, 2026 · 2.03% APY · checked 4 times
1.53%2.03%2.53%Oct 3, 2026: 2.03% APYOct 3, 2026Oct 12, 2026
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
3 Month Build IT CD
$0
1.57% ▼ 0.38% below Tennessee avg
View
▼
Rate1.57%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average1.95%▼ 0.38% below avgNationally 2.10%
Details

Balance: $100 to $999.99; Once the Build-IT CD has reached a balance greater than $999.99, it will be rolled into a regular CD of the same term. Penalties for early withdrawals may apply. Rates are subject to change without notice, please see for complete details.Federally insured by NCUA.

Rate History
1 change since Sep 18, 2026 · 1.35% → 1.57% ▲ 0.22 pts · high 1.57% / low 1.35%
0.85%1.46%2.07%Sep 18, 2026: 1.35% APYOct 10, 2026: 1.57% APYSep 18, 2026Oct 12, 2026
  • Oct 10, 20261.57%▲ from 1.35%
  • Sep 18, 20261.35%first recorded
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
3 Month Certificate
$1,000
1.25% ▼ 0.70% below Tennessee avg
View
▼
Rate1.24%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average1.95%▼ 0.70% below avgNationally 2.10%
Details

Rate History
No change since Sep 25, 2026 · 1.25% APY · checked 4 times
0.75%1.25%1.75%Sep 25, 2026: 1.25% APYSep 25, 2026Oct 12, 2026
The Tennessee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
Business Share Certificate - 3 Month
$0
1.25% ▼ 0.70% below Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average1.95%▼ 0.70% below avgNationally 2.10%
Details

Dividends Paid: Monthly

Rate History
No change since Oct 5, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Oct 5, 2026: 1.25% APYOct 5, 2026Oct 12, 2026
Collegedale Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
Term Share Certificates - 3 Months
$0
1.06% ▼ 0.89% below Tennessee avg
View
▼
Rate1.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average1.95%▼ 0.89% below avgNationally 2.10%
Details

Rate History
No change since Oct 10, 2026 · 1.06% APY
0.56%1.06%1.56%Oct 10, 2026: 1.06% APYOct 10, 2026Oct 12, 2026
First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
90 Day Certificate
$0
0.95% ▼ 1.00% below Tennessee avg
View
▼
Rate0.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average1.95%▼ 1.00% below avgNationally 2.10%
Details

Rate History
No change since Sep 18, 2026 · 0.95% APY · checked 6 times
0.45%0.95%1.45%Sep 18, 2026: 0.95% APYSep 18, 2026Oct 12, 2026
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3 Month Share Certificate
$50,000
0.65% ▼ 1.30% below Tennessee avg
View
▼
Rate0.65%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average1.95%▼ 1.30% below avgNationally 2.10%
Details

Rate History
No change since Oct 8, 2026 · 0.65% APY
0.15%0.65%1.15%Oct 8, 2026: 0.65% APYOct 8, 2026Oct 12, 2026
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3 Month Share Certificate
$500
0.55% ▼ 1.40% below Tennessee avg
View
▼
Rate0.55%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average1.95%▼ 1.40% below avgNationally 2.10%
Details

Rate History
No change since Oct 8, 2026 · 0.55% APY
0.05%0.55%1.05%Oct 8, 2026: 0.55% APYOct 8, 2026Oct 12, 2026
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
3 Month Share/IRA Certificate
$500
0.50% ▼ 1.45% below Tennessee avg
View
▼
Rate0.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average1.95%▼ 1.45% below avgNationally 2.10%
Details

Rate History
No change since Oct 8, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 8, 2026: 0.50% APYOct 8, 2026Oct 12, 2026
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
Jumbo Share/IRA Certificate 3 Month
$100,000
0.50% ▼ 1.45% below Tennessee avg
View
▼
Rate0.50%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average1.95%▼ 1.45% below avgNationally 2.10%
Details

Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Sep 18, 2026: 0.50% APYSep 18, 2026Oct 12, 2026
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
90 Day Certificate
$500
0.50% ▼ 1.45% below Tennessee avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average1.95%▼ 1.45% below avgNationally 2.10%
Details

Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 5 times
0.00%0.50%1.00%Sep 18, 2026: 0.50% APYSep 18, 2026Oct 12, 2026
Patriot Equity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.49%
3 Month Share Certificate
$0
0.30% ▼ 1.65% below Tennessee avg
View
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average1.95%▼ 1.65% below avgNationally 2.10%
Details

Rate History
No change since Oct 9, 2026 · 0.30% APY · checked 3 times
0.00%0.40%0.80%Oct 9, 2026: 0.30% APYOct 9, 2026Oct 12, 2026
Leaders Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
3 Month Certificate
$1,000
0.30% ▼ 1.65% below Tennessee avg
View
▼
Rate0.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average1.95%▼ 1.65% below avgNationally 2.10%
Details

All balance tiers same rate. Paid at maturity.

Rate History
No change since Oct 9, 2026 · 0.30% APY
0.00%0.40%0.80%Oct 9, 2026: 0.30% APYOct 9, 2026Oct 12, 2026
Alcoa Tenn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
3 Month Share Certificate
$1,000
0.25% ▼ 1.70% below Tennessee avg
View
▼
Rate0.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average1.95%▼ 1.70% below avgNationally 2.10%
Details

Rate History
No change since Sep 25, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 25, 2026: 0.25% APYSep 25, 2026Oct 12, 2026
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
90 Day Certificate
$500
0.20% ▼ 1.75% below Tennessee avg
View
▼
Rate0.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average1.95%▼ 1.75% below avgNationally 2.10%
Details

Loss of dividend penalty for early withdrawal.

Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 6 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 12, 2026
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
3 Month Certificate
$1,000
0.10% ▼ 1.85% below Tennessee avg
View
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average1.95%▼ 1.85% below avgNationally 2.10%
Details

Rate History
No change since Oct 8, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 8, 2026: 0.10% APYOct 8, 2026Oct 12, 2026
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
Certificates of Deposit (CDs) - 3 months
$1,000
0.10% ▼ 1.85% below Tennessee avg
View
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average1.95%▼ 1.85% below avgNationally 2.10%
Details

Rate History
No change since Oct 8, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 8, 2026: 0.10% APYOct 8, 2026Oct 12, 2026
EPB Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.26%
3-Month CD
$0
0.10% ▼ 1.85% below Tennessee avg
View
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average1.95%▼ 1.85% below avgNationally 2.10%
Details

Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 12, 2026
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
3 Months Share Certificate
$2,000
0.10% ▼ 1.85% below Tennessee avg
View
▼
RateN/A
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average1.95%▼ 1.85% below avgNationally 2.10%
Details

Rate History
No change since Sep 27, 2026 · 0.10% APY · checked 3 times
0.00%0.30%0.60%Sep 27, 2026: 0.10% APYSep 27, 2026Oct 12, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3 month Standard Fixed Rate
$2,500
0.06% ▼ 1.89% below Tennessee avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average1.95%▼ 1.89% below avgNationally 2.10%
Details

Balance: $0 - $4,999.99. Early withdrawal penalties may apply.

Rate History
No change since Oct 7, 2026 · 0.06% APY · checked 2 times
0.00%0.28%0.56%Oct 7, 2026: 0.06% APYOct 7, 2026Oct 12, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3 month Standard Interest Rate
$2,500
0.06% ▼ 1.89% below Tennessee avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average1.95%▼ 1.89% below avgNationally 2.10%
Details

Balance: $0 - $4,999.99; Relationship APY 0.06%

Rate History
No change since Sep 14, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 14, 2026: 0.06% APYSep 14, 2026Oct 12, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3 month Standard Fixed Rate
$2,500
0.05% ▼ 1.90% below Tennessee avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average1.95%▼ 1.90% below avgNationally 2.10%
Details

Balance: $0 - $4,999.99; Relationship Interest Rate 0.06%; Relationship APY 0.06%

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 12, 2026
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
3 Month Business Share Certificate
$0
0.05% ▼ 1.90% below Tennessee avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average1.95%▼ 1.90% below avgNationally 2.10%
Details

Balance: $100,000+; Minimum opening deposit to receive advertised rate is $50,000. 25% of opening deposit must be new money, not transfered from an existing Y-12 Credit Union account. Rates accurate as of 10/01/2026. APY is Annual Percentage Yield. At maturity, accounts automatically convert to a regular certificate with the same term at current rate unless changes are made during 7-day grace period. Penalties apply for early withdrawal. This offer is for a limited time only and can be withdrawn at any time.

Rate History
No change since Oct 4, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 4, 2026: 0.05% APYOct 4, 2026Oct 12, 2026
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
3 Months Share Certificate
$0
0.05% ▼ 1.90% below Tennessee avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average1.95%▼ 1.90% below avgNationally 2.10%
Details

Balance: $100,000-$249,999.99

Rate History
No change since Sep 25, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 25, 2026: 0.05% APYSep 25, 2026Oct 12, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3 Month Certificate of Deposit
$0
0.03% ▼ 1.92% below Tennessee avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average1.95%▼ 1.92% below avgNationally 2.10%
Details

Balance: $25,000.00 and above

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 3 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 12, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3 Month Certificate of Deposit
$0
0.02% ▼ 1.93% below Tennessee avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average1.95%▼ 1.93% below avgNationally 2.10%
Details

Balance: $1,000.00 - $24,999.99

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 3 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 12, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3 Month Certificate of Deposit
$0
0.01% ▼ 1.94% below Tennessee avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average1.95%▼ 1.94% below avgNationally 2.10%
Details

Balance: $1.00 - $999.99

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 12, 2026

South Carthage 6 Month CD Rates

Tennessee 6 Month CD Average2.95% APYNational 2.79%▲ 0.01% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
6 Month Business Share Certificate
$0
4.75% ▲ 1.80% above Tennessee avg
View
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average2.95%▲ 1.80% above avgNationally 2.79%
Details

PROMO: 6, 12, or 18 Months

Rate History
No change since Oct 4, 2026 · 4.75% APY · checked 2 times
4.25%4.75%5.25%Oct 4, 2026: 4.75% APYOct 4, 2026Oct 12, 2026
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
6 Month Certificate
$0
4.75% ▲ 1.80% above Tennessee avg
View
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average2.95%▲ 1.80% above avgNationally 2.79%
Details

PROMO: 6, 12, or 18 Months

Rate History
1 change since Oct 4, 2026 · 0.40% → 4.75% ▲ 4.35 pts · high 4.75% / low 0.40%
0.00%4.55%9.10%Oct 4, 2026: 0.40% APYOct 8, 2026: 4.75% APYOct 4, 2026Oct 12, 2026
  • Oct 8, 20264.75%▲ from 0.40%
  • Oct 4, 20260.40%first recorded
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
6 Months Share Certificate
$0
4.75% ▲ 1.80% above Tennessee avg
View
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average2.95%▲ 1.80% above avgNationally 2.79%
Details

Rate History
No change since Oct 4, 2026 · 4.75% APY · checked 2 times
4.25%4.75%5.25%Oct 4, 2026: 4.75% APYOct 4, 2026Oct 12, 2026
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
Share Certificates PROMO: 6, 12, or 6 Month
$0
4.75% ▲ 1.80% above Tennessee avg
View
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average2.95%▲ 1.80% above avgNationally 2.79%
Details

PROMO: 6, 12, or 18 Months

Rate History
No change since Oct 8, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 8, 2026: 4.75% APYOct 8, 2026Oct 12, 2026
Collegedale Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
Term Share Certificates - 6 Months
$0
4.33% ▲ 1.38% above Tennessee avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.95%▲ 1.38% above avgNationally 2.79%
Details

See footnote **

Rate History
No change since Oct 10, 2026 · 4.33% APY
3.83%4.33%4.83%Oct 10, 2026: 4.33% APYOct 10, 2026Oct 12, 2026
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month CD
$1,000
4.30% ▲ 1.35% above Tennessee avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.95%▲ 1.35% above avgNationally 2.79%
Details

APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.

Rate History
1 change since Sep 14, 2026 · 4.04% → 4.30% ▲ 0.26 pts · high 4.30% / low 4.04%
3.54%4.17%4.80%Sep 14, 2026: 4.04% APYOct 7, 2026: 4.30% APYSep 14, 2026Oct 12, 2026
  • Oct 7, 20264.30%▲ from 4.04%
  • Sep 14, 20264.04%first recorded
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
180 Day Share Certificate
$1,000
4.16% ▲ 1.21% above Tennessee avg
View
▼
Rate4.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 1, 2026
Tennessee Average2.95%▲ 1.21% above avgNationally 2.79%
Details

Rate History
No change since Sep 18, 2026 · 4.16% APY · checked 4 times
3.66%4.16%4.66%Sep 18, 2026: 4.16% APYSep 18, 2026Oct 12, 2026
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
6 Month Business Share Certificates
$1,000
4.15% ▲ 1.20% above Tennessee avg
View
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.95%▲ 1.20% above avgNationally 2.79%
Details

$1,000 minimum opening deposit required. A penalty applies for early withdrawal.

Rate History
1 change since Sep 25, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90%
3.40%4.03%4.65%Sep 25, 2026: 3.90% APYOct 12, 2026: 4.15% APYSep 25, 2026Oct 12, 2026
  • Oct 12, 20264.15%▲ from 3.90%
  • Sep 25, 20263.90%first recorded
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Share Certificates - 6 Months
$1,000
4.15% ▲ 1.20% above Tennessee avg
View
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.95%▲ 1.20% above avgNationally 2.79%
Details

$1,000 minimum opening deposit required; early withdrawal penalty applies

Rate History
1 change since Oct 4, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90%
3.40%4.03%4.65%Oct 4, 2026: 3.90% APYOct 8, 2026: 4.15% APYOct 4, 2026Oct 12, 2026
  • Oct 8, 20264.15%▲ from 3.90%
  • Oct 4, 20263.90%first recorded
Finworth, a division of InsBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
6 Months Certificate
$0
4.15% ▲ 1.20% above Tennessee avg
View
▼
Rate4.11%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average2.95%▲ 1.20% above avgNationally 2.79%
Details

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 12, 2026
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
6 Month CD
$1,000
4.06% ▲ 1.11% above Tennessee avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.95%▲ 1.11% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 4.06% APY · checked 7 times
3.56%4.06%4.56%Sep 14, 2026: 4.06% APYSep 14, 2026Oct 12, 2026
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
6 Month Certificate
$0
4.06% ▲ 1.11% above Tennessee avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.95%▲ 1.11% above avgNationally 2.79%
Details

Rate History
No change since Sep 22, 2026 · 4.06% APY · checked 3 times
3.56%4.06%4.56%Sep 22, 2026: 4.06% APYSep 22, 2026Oct 12, 2026
SouthEast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
6-Month CD Special
$1,000
4.05% ▲ 1.10% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.95%▲ 1.10% above avgNationally 2.79%
Details

Interest Compounded & Credited: Quarterly

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90%
3.40%3.97%4.55%Sep 14, 2026: 3.90% APYSep 24, 2026: 4.05% APYSep 14, 2026Oct 12, 2026
  • Sep 24, 20264.05%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Special 6-Month Fixed Rate
$0
4.00% ▲ 1.05% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average2.95%▲ 1.05% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month CD
$0
4.00% ▲ 1.05% above Tennessee avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.95%▲ 1.05% above avgNationally 2.79%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 12, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month Certificate of Deposit
$1,000
4.00% ▲ 1.05% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.95%▲ 1.05% above avgNationally 2.79%
Details

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 12, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6-Month IRA
$1,000
4.00% ▲ 1.05% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.95%▲ 1.05% 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 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 12, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 6-Month
$1,000
4.00% ▲ 1.05% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.95%▲ 1.05% 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%
3.30%3.90%4.50%Sep 14, 2026: 3.80% APYOct 7, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
  • Oct 7, 20264.00%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
6 Month Share/IRA Certificate
$500
4.00% ▲ 1.05% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average2.95%▲ 1.05% above avgNationally 2.79%
Details

Rate History
No change since Oct 8, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 8, 2026: 4.00% APYOct 8, 2026Oct 12, 2026
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
Jumbo Share/IRA Certificate 6 Month
$100,000
4.00% ▲ 1.05% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average2.95%▲ 1.05% above avgNationally 2.79%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 12, 2026
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
6 Month Share Certificate
$0
4.00% ▲ 1.05% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.95%▲ 1.05% above avgNationally 2.79%
Details

Dividends Paid at Maturity; Under $50,000

Rate History
No change since Sep 17, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 17, 2026: 4.00% APYSep 17, 2026Oct 12, 2026
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
6 Month Certificate
$0
4.00% ▲ 1.05% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.95%▲ 1.05% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 14, 2026: 3.50% APYOct 5, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
  • Oct 5, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 6 Months Fixed
$0
3.97% ▲ 1.02% above Tennessee avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average2.95%▲ 1.02% above avgNationally 2.79%
Details

Rate History
2 changes since Sep 14, 2026 · 3.76% → 3.97% ▲ 0.21 pts · high 3.97% / low 3.76%
3.26%3.87%4.47%Sep 14, 2026: 3.76% APYSep 18, 2026: 3.87% APYOct 4, 2026: 3.97% APYSep 14, 2026Oct 12, 2026
  • Oct 4, 20263.97%▲ from 3.87%
  • Sep 18, 20263.87%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
EPB Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.26%
6-Month CD
$0
3.95% ▲ 1.00% above Tennessee avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.95%▲ 1.00% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 5 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 12, 2026
Bowater Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
6-month Term Share Account (TSA)
$0
3.94% ▲ 0.99% above Tennessee avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.95%▲ 0.99% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 3.63% → 3.94% ▲ 0.31 pts · high 3.94% / low 3.63%
3.13%3.79%4.44%Sep 14, 2026: 3.63% APYOct 10, 2026: 3.94% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20263.94%▲ from 3.63%
  • Sep 14, 20263.63%first recorded
TRUST Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.70%
6-Month Share Certificate
$500
3.90% ▲ 0.95% above Tennessee avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.95%▲ 0.95% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 7 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 12, 2026
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
6 Month Business Jumbo Share Certificate
$100,000
3.87% ▲ 0.92% above Tennessee avg
View
▼
Rate3.80%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average2.95%▲ 0.92% above avgNationally 2.79%
Details

Rate History
1 change since Sep 18, 2026 · 3.51% → 3.87% ▲ 0.36 pts · high 3.87% / low 3.51%
3.01%3.69%4.37%Sep 18, 2026: 3.51% APYOct 4, 2026: 3.87% APYSep 18, 2026Oct 12, 2026
  • Oct 4, 20263.87%▲ from 3.51%
  • Sep 18, 20263.51%first recorded
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
Business Jumbo Share Certificate - 6 Months
$100,000
3.87% ▲ 0.92% above Tennessee avg
View
▼
Rate3.80%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average2.95%▲ 0.92% above avgNationally 2.79%
Details

Rate History
No change since Oct 8, 2026 · 3.87% APY
3.37%3.87%4.37%Oct 8, 2026: 3.87% APYOct 8, 2026Oct 12, 2026
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
6 Month Share Certificate Account
$1,000
3.87% ▲ 0.92% above Tennessee avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.95%▲ 0.92% above avgNationally 2.79%
Details

Rate History
No change since Sep 18, 2026 · 3.87% APY · checked 6 times
3.37%3.87%4.37%Sep 18, 2026: 3.87% APYSep 18, 2026Oct 12, 2026
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
6 Month Share Certificate
$1,000
3.85% ▲ 0.90% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.95%▲ 0.90% above avgNationally 2.79%
Details

Balance: $1,000-$74,999

Rate History
1 change since Sep 21, 2026 · 3.79% → 3.85% ▲ 0.06 pts · high 3.85% / low 3.79%
3.29%3.82%4.35%Sep 21, 2026: 3.79% APYOct 9, 2026: 3.85% APYSep 21, 2026Oct 12, 2026
  • Oct 9, 20263.85%▲ from 3.79%
  • Sep 21, 20263.79%first recorded
Holley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
6 Month Share Certificate
$0
3.85% ▲ 0.90% above Tennessee avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.95%▲ 0.90% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 3.34% → 3.85% ▲ 0.51 pts · high 3.85% / low 3.34%
2.83%3.59%4.36%Sep 14, 2026: 3.34% APYSep 27, 2026: 3.85% APYSep 14, 2026Oct 12, 2026
  • Sep 27, 20263.85%▲ from 3.34%
  • Sep 14, 20263.34%first recorded
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6 Month CERTIFICATE ACCOUNTS/BUSINESS CERTIFICATE ACCOUNTS
$0
3.85% ▲ 0.90% above Tennessee avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 1, 2026
Tennessee Average2.95%▲ 0.90% above avgNationally 2.79%
Details

Add 0.25% to current dividend certificate rate with at least $10,000 new money OR with direct deposit. Ask for details.

Rate History
1 change since Sep 18, 2026 · 3.60% → 3.85% ▲ 0.25 pts · high 3.85% / low 3.60%
3.10%3.72%4.35%Sep 18, 2026: 3.60% APYSep 27, 2026: 3.85% APYSep 18, 2026Oct 12, 2026
  • Sep 27, 20263.85%▲ from 3.60%
  • Sep 18, 20263.60%first recorded
Johnsonville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
6 Month Certificate
$1,000
3.84% ▲ 0.89% above Tennessee avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.95%▲ 0.89% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 3.58% → 3.84% ▲ 0.26 pts · high 3.84% / low 3.58%
3.08%3.71%4.34%Sep 14, 2026: 3.58% APYSep 29, 2026: 3.84% APYSep 14, 2026Oct 12, 2026
  • Sep 29, 20263.84%▲ from 3.58%
  • Sep 14, 20263.58%first recorded
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
6 Month Regular, Business and / or IRA Share Certificate
$500
3.82% ▲ 0.87% above Tennessee avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average2.95%▲ 0.87% above avgNationally 2.79%
Details

Rate History
1 change since Sep 20, 2026 · 3.45% → 3.82% ▲ 0.37 pts · high 3.82% / low 3.45%
2.95%3.64%4.32%Sep 20, 2026: 3.45% APYOct 4, 2026: 3.82% APYSep 20, 2026Oct 12, 2026
  • Oct 4, 20263.82%▲ from 3.45%
  • Sep 20, 20263.45%first recorded
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
Regular, Business and / or IRA Share Certificate - 6 Months
$500
3.82% ▲ 0.87% above Tennessee avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average2.95%▲ 0.87% above avgNationally 2.79%
Details

Rate History
No change since Oct 8, 2026 · 3.82% APY
3.32%3.82%4.32%Oct 8, 2026: 3.82% APYOct 8, 2026Oct 12, 2026
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
6 Month CD
$1,000
3.80% ▲ 0.85% above Tennessee avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.95%▲ 0.85% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 8 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 12, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
6 Month Certificate Accounts
$50,000
3.80% ▲ 0.85% above Tennessee avg
View
▼
Rate3.73%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average2.95%▲ 0.85% above avgNationally 2.79%
Details

Balance: $50,000 - $99,999

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 4 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 12, 2026
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
Share Certificate - 6 Months
$0
3.75% ▲ 0.80% above Tennessee avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.95%▲ 0.80% above avgNationally 2.79%
Details

Rate History
No change since Sep 25, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 25, 2026: 3.75% APYSep 25, 2026Oct 12, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
6 Month Certificate Accounts
$15,000
3.75% ▲ 0.80% above Tennessee avg
View
▼
Rate3.68%
Min Deposit$15,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average2.95%▲ 0.80% above avgNationally 2.79%
Details

Balance: $15,000 - $29,999

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 12, 2026
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
6 Month Certificate
$50,000
3.75% ▲ 0.80% above Tennessee avg
View
▼
Rate3.72%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average2.95%▲ 0.80% above avgNationally 2.79%
Details

Rate History
No change since Sep 30, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Sep 30, 2026: 3.75% APYSep 30, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
6 Month Business Share Certificates
$0
3.75% ▲ 0.80% above Tennessee avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.95%▲ 0.80% above avgNationally 2.79%
Details

Balance: $100,000

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 9 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 6 Month
$100,000
3.75% ▲ 0.80% above Tennessee avg
View
▼
Rate3.69%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.95%▲ 0.80% above avgNationally 2.79%
Details

Rate History
No change since Oct 9, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 9, 2026: 3.75% APYOct 9, 2026Oct 12, 2026
Kimberly Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
6 Month Share Certificate
$0
3.75% ▲ 0.80% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.95%▲ 0.80% above avgNationally 2.79%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 12, 2026
TNConnect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
Tailored Certificate - 6 month
$0
3.75% ▲ 0.80% above Tennessee avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.95%▲ 0.80% above avgNationally 2.79%
Details

Rate History
No change since Sep 22, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 22, 2026: 3.75% APYSep 22, 2026Oct 12, 2026
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
6 Month Certificate
$1,000
3.75% ▲ 0.80% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.95%▲ 0.80% above avgNationally 2.79%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYOct 10, 2026: 3.75% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
6-Month CD
$0
3.75% ▲ 0.80% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.95%▲ 0.80% above avgNationally 2.79%
Details

Rate History
No change since Sep 24, 2026 · 3.75% APY · checked 5 times
3.25%3.75%4.25%Sep 24, 2026: 3.75% APYSep 24, 2026Oct 12, 2026
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
6-Month Term
$1,000
3.75% ▲ 0.80% above Tennessee avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.95%▲ 0.80% above avgNationally 2.79%
Details

Rate History
No change since Sep 27, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 27, 2026: 3.75% APYSep 27, 2026Oct 12, 2026
RBMAX
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month CD
$0
3.70% ▲ 0.75% above Tennessee avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average2.95%▲ 0.75% above avgNationally 2.79%
Details

Rate History
No change since Oct 7, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 7, 2026: 3.70% APYOct 7, 2026Oct 12, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
6 Month Certificate Accounts
$1,000
3.70% ▲ 0.75% above Tennessee avg
View
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average2.95%▲ 0.75% above avgNationally 2.79%
Details

Balance: $1,000 - $4,999

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 4 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 12, 2026
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
6 Month Certificate
$10,000
3.70% ▲ 0.75% above Tennessee avg
View
▼
Rate3.67%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average2.95%▲ 0.75% above avgNationally 2.79%
Details

Rate History
No change since Sep 30, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Sep 30, 2026: 3.70% APYSep 30, 2026Oct 12, 2026

South Carthage 12 Month CD Rates

Tennessee 12 Month CD Average3.19% APYNational 2.99%▲ 0.02% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
12 Month Business Share Certificate
$0
4.75% ▲ 1.56% above Tennessee avg
View
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average3.19%▲ 1.56% above avgNationally 2.99%
Details

PROMO: 6, 12, or 18 Months

Rate History
No change since Oct 4, 2026 · 4.75% APY · checked 2 times
4.25%4.75%5.25%Oct 4, 2026: 4.75% APYOct 4, 2026Oct 12, 2026
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
12 Month Certificate
$0
4.75% ▲ 1.56% above Tennessee avg
View
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average3.19%▲ 1.56% above avgNationally 2.99%
Details

PROMO: 6, 12, or 18 Months

Rate History
1 change since Oct 4, 2026 · 0.55% → 4.75% ▲ 4.20 pts · high 4.75% / low 0.55%
0.00%4.48%8.95%Oct 4, 2026: 0.55% APYOct 8, 2026: 4.75% APYOct 4, 2026Oct 12, 2026
  • Oct 8, 20264.75%▲ from 0.55%
  • Oct 4, 20260.55%first recorded
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
12 Months Share Certificate
$0
4.75% ▲ 1.56% above Tennessee avg
View
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average3.19%▲ 1.56% above avgNationally 2.99%
Details

Rate History
No change since Oct 4, 2026 · 4.75% APY · checked 2 times
4.25%4.75%5.25%Oct 4, 2026: 4.75% APYOct 4, 2026Oct 12, 2026
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
Share Certificates PROMO: 6, 12, or 12 Month
$0
4.75% ▲ 1.56% above Tennessee avg
View
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average3.19%▲ 1.56% above avgNationally 2.99%
Details

PROMO: 6, 12, or 18 Months

Rate History
No change since Oct 8, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 8, 2026: 4.75% APYOct 8, 2026Oct 12, 2026
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
12 Month Jumbo Share Certificates (CDs)
$0
4.53% ▲ 1.34% above Tennessee avg
View
▼
Rate4.43%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.19%▲ 1.34% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 4.07% → 4.53% ▲ 0.46 pts · high 4.53% / low 4.07%
3.57%4.30%5.03%Sep 18, 2026: 4.07% APYOct 9, 2026: 4.53% APYSep 18, 2026Oct 12, 2026
  • Oct 9, 20264.53%▲ from 4.07%
  • Sep 18, 20264.07%first recorded
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
12 Month Business Share Certificates
$1,000
4.50% ▲ 1.31% above Tennessee avg
View
▼
Rate4.43%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.19%▲ 1.31% above avgNationally 2.99%
Details

$1,000 minimum opening deposit required. A penalty applies for early withdrawal.

Rate History
1 change since Sep 25, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 25, 2026: 4.25% APYOct 12, 2026: 4.50% APYSep 25, 2026Oct 12, 2026
  • Oct 12, 20264.50%▲ from 4.25%
  • Sep 25, 20264.25%first recorded
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Share Certificates - 12 Months
$1,000
4.50% ▲ 1.31% above Tennessee avg
View
▼
Rate4.43%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.19%▲ 1.31% above avgNationally 2.99%
Details

$1,000 minimum opening deposit required; early withdrawal penalty applies

Rate History
1 change since Oct 4, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Oct 4, 2026: 4.25% APYOct 8, 2026: 4.50% APYOct 4, 2026Oct 12, 2026
  • Oct 8, 20264.50%▲ from 4.25%
  • Oct 4, 20264.25%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month Special EasyStart Certificate
$50
4.35% ▲ 1.16% above Tennessee avg
View
▼
Rate4.26%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.19%▲ 1.16% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 4 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 12, 2026
SouthEast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
12-Month CD Special
$1,000
4.35% ▲ 1.16% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average3.19%▲ 1.16% above avgNationally 2.99%
Details

Interest Compounded & Credited: Quarterly

Rate History
1 change since Sep 14, 2026 · 4.01% → 4.35% ▲ 0.34 pts · high 4.35% / low 4.01%
3.51%4.18%4.85%Sep 14, 2026: 4.01% APYSep 24, 2026: 4.35% APYSep 14, 2026Oct 12, 2026
  • Sep 24, 20264.35%▲ from 4.01%
  • Sep 14, 20264.01%first recorded
Collegedale Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
Term Share Certificates - 12 Months
$0
4.28% ▲ 1.09% above Tennessee avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.19%▲ 1.09% above avgNationally 2.99%
Details

Rate History
No change since Oct 10, 2026 · 4.28% APY
3.78%4.28%4.78%Oct 10, 2026: 4.28% APYOct 10, 2026Oct 12, 2026
Sonata Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.18%
12-month CD
$0
4.27% ▲ 1.08% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.19%▲ 1.08% above avgNationally 2.99%
Details

Special CD

Rate History
1 change since Sep 14, 2026 · 4.15% → 4.27% ▲ 0.12 pts · high 4.27% / low 4.15%
3.65%4.21%4.77%Sep 14, 2026: 4.15% APYSep 28, 2026: 4.27% APYSep 14, 2026Oct 12, 2026
  • Sep 28, 20264.27%▲ from 4.15%
  • Sep 14, 20264.15%first recorded
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
12 Month Certificate
$0
4.27% ▲ 1.08% above Tennessee avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.19%▲ 1.08% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.06% → 4.27% ▲ 0.21 pts · high 4.27% / low 4.06%
3.56%4.16%4.77%Sep 14, 2026: 4.06% APYSep 22, 2026: 4.27% APYSep 14, 2026Oct 12, 2026
  • Sep 22, 20264.27%▲ from 4.06%
  • Sep 14, 20264.06%first recorded
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
12 Month Certificate
$0
4.25% ▲ 1.06% above Tennessee avg
View
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average3.19%▲ 1.06% above avgNationally 2.99%
Details

Choose Your Term Special Offer

Rate History
1 change since Oct 4, 2026 · 0.55% → 4.25% ▲ 3.70 pts · high 4.25% / low 0.55%
0.00%3.98%7.95%Oct 4, 2026: 0.55% APYOct 8, 2026: 4.25% APYOct 4, 2026Oct 12, 2026
  • Oct 8, 20264.25%▲ from 0.55%
  • Oct 4, 20260.55%first recorded
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
12 Month Business Jumbo Share Certificate
$100,000
4.25% ▲ 1.06% above Tennessee avg
View
▼
Rate4.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average3.19%▲ 1.06% above avgNationally 2.99%
Details

Rate History
1 change since Sep 18, 2026 · 3.66% → 4.25% ▲ 0.59 pts · high 4.25% / low 3.66%
3.07%3.96%4.84%Sep 18, 2026: 3.66% APYOct 4, 2026: 4.25% APYSep 18, 2026Oct 12, 2026
  • Oct 4, 20264.25%▲ from 3.66%
  • Sep 18, 20263.66%first recorded
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
Business Jumbo Share Certificate - 12 Months
$100,000
4.25% ▲ 1.06% above Tennessee avg
View
▼
Rate4.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average3.19%▲ 1.06% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 8, 2026: 4.25% APYOct 8, 2026Oct 12, 2026
Leaders Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
12-Month Certificate Special
$1,000
4.25% ▲ 1.06% above Tennessee avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.19%▲ 1.06% above avgNationally 2.99%
Details

Rate History
No change since Oct 9, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 9, 2026: 4.25% APYOct 9, 2026Oct 12, 2026
ORNL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
12-Month IRA PROMOTIONAL Certificate
$500
4.25% ▲ 1.06% above Tennessee avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.19%▲ 1.06% above avgNationally 2.99%
Details

IRA PROMOTIONAL

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 12, 2026
ORNL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
12-Month PROMOTIONAL Certificate
$500
4.25% ▲ 1.06% above Tennessee avg
View
▼
Rate4.17%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.19%▲ 1.06% above avgNationally 2.99%
Details

PROMOTIONAL

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 3 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 12, 2026
Finworth, a division of InsBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
12 Months Certificate
$0
4.25% ▲ 1.06% above Tennessee avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average3.19%▲ 1.06% above avgNationally 2.99%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 12, 2026
Financial Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
12 MONTH CD
$0
4.20% ▲ 1.01% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average3.19%▲ 1.01% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.20% ▲ 0.20 pts · high 4.20% / low 4.00%
3.50%4.10%4.70%Sep 14, 2026: 4.00% APYOct 2, 2026: 4.20% APYSep 14, 2026Oct 12, 2026
  • Oct 2, 20264.20%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
12 Month Certificate
$1,000
4.20% ▲ 1.01% above Tennessee avg
View
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.19%▲ 1.01% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 8, 2026: 4.20% APYOct 8, 2026Oct 12, 2026
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
12-month CD
$1,000
4.20% ▲ 1.01% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.19%▲ 1.01% above avgNationally 2.99%
Details

Limited-Time Offer; New Money 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 8/10/26 and is subject to change on the Bank's discretion.

Rate History
No change since Sep 14, 2026 · 4.20% APY · checked 6 times
3.70%4.20%4.70%Sep 14, 2026: 4.20% APYSep 14, 2026Oct 12, 2026
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
Certificates of Deposit (CDs) - 12 months
$1,000
4.20% ▲ 1.01% above Tennessee avg
View
▼
Rate4.14%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.19%▲ 1.01% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 4.20% APY · checked 2 times
3.70%4.20%4.70%Oct 8, 2026: 4.20% APYOct 8, 2026Oct 12, 2026
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
12 Month Regular, Business and / or IRA Share Certificate
$500
4.20% ▲ 1.01% above Tennessee avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average3.19%▲ 1.01% above avgNationally 2.99%
Details

Rate History
1 change since Sep 20, 2026 · 3.61% → 4.20% ▲ 0.59 pts · high 4.20% / low 3.61%
3.02%3.91%4.79%Sep 20, 2026: 3.61% APYOct 4, 2026: 4.20% APYSep 20, 2026Oct 12, 2026
  • Oct 4, 20264.20%▲ from 3.61%
  • Sep 20, 20263.61%first recorded
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
Regular, Business and / or IRA Share Certificate - 12 Months
$500
4.20% ▲ 1.01% above Tennessee avg
View
▼
Rate4.12%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average3.19%▲ 1.01% above avgNationally 2.99%
Details

Rate History
No change since Oct 8, 2026 · 4.20% APY
3.70%4.20%4.70%Oct 8, 2026: 4.20% APYOct 8, 2026Oct 12, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
12 Month Certificate Special
$250,000
4.17% ▲ 0.98% above Tennessee avg
View
▼
RateN/A
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.19%▲ 0.98% above avgNationally 2.99%
Details

Certificate Specials; Quarterly

Rate History
No change since Sep 14, 2026 · 4.17% APY · checked 2 times
3.67%4.17%4.67%Sep 14, 2026: 4.17% APYSep 14, 2026Oct 12, 2026
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
12 Month Jumbo Certificate
$250,000
4.16% ▲ 0.97% above Tennessee avg
View
▼
Rate4.10%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.19%▲ 0.97% above avgNationally 2.99%
Details

Effective 10/9/26 - 10/15/26

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.16% ▲ 0.36 pts · high 4.16% / low 3.80%
3.30%3.98%4.66%Sep 14, 2026: 3.80% APYSep 29, 2026: 4.16% APYSep 14, 2026Oct 12, 2026
  • Sep 29, 20264.16%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 12 Months Fixed
$0
4.13% ▲ 0.94% above Tennessee avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average3.19%▲ 0.94% above avgNationally 2.99%
Details

Rate History
3 changes since Sep 14, 2026 · 3.82% → 4.13% ▲ 0.31 pts · high 4.13% / low 3.82%
3.32%3.97%4.63%Sep 14, 2026: 3.82% APYSep 18, 2026: 3.92% APYSep 25, 2026: 4.02% APYOct 4, 2026: 4.13% APYSep 14, 2026Oct 12, 2026
  • Oct 4, 20264.13%▲ from 4.02%
  • Sep 25, 20264.02%▲ from 3.92%
  • Sep 18, 20263.92%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
Special 12-Month Fixed Rate
$0
4.11% ▲ 0.92% above Tennessee avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average3.19%▲ 0.92% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.11% APY · checked 6 times
3.61%4.11%4.61%Sep 18, 2026: 4.11% APYSep 18, 2026Oct 12, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
12 Month Certificate Special
$2,500
4.11% ▲ 0.92% above Tennessee avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.19%▲ 0.92% above avgNationally 2.99%
Details

Certificate Specials; Quarterly

Rate History
No change since Sep 14, 2026 · 4.11% APY · checked 2 times
3.61%4.11%4.61%Sep 14, 2026: 4.11% APYSep 14, 2026Oct 12, 2026
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
1 Year CD
$1,000
4.07% ▲ 0.88% above Tennessee avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average3.19%▲ 0.88% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.29% → 4.07% ▲ 0.78 pts · high 4.07% / low 3.29%
2.51%3.68%4.85%Sep 14, 2026: 3.29% APYOct 3, 2026: 4.07% APYSep 14, 2026Oct 12, 2026
  • Oct 3, 20264.07%▲ from 3.29%
  • Sep 14, 20263.29%first recorded
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
12 Month Roth IRA Certificate
$500
4.06% ▲ 0.87% above Tennessee avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.19%▲ 0.87% above avgNationally 2.99%
Details

Effective 10/9/26 - 10/15/26

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.06% ▲ 0.36 pts · high 4.06% / low 3.70%
3.20%3.88%4.56%Sep 14, 2026: 3.70% APYSep 29, 2026: 4.06% APYSep 14, 2026Oct 12, 2026
  • Sep 29, 20264.06%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
12 Month Standard Certificate
$500
4.06% ▲ 0.87% above Tennessee avg
View
▼
Rate4.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.19%▲ 0.87% above avgNationally 2.99%
Details

Effective 10/9/26 - 10/15/26

Rate History
1 change since Sep 14, 2026 · 3.70% → 4.06% ▲ 0.36 pts · high 4.06% / low 3.70%
3.20%3.88%4.56%Sep 14, 2026: 3.70% APYSep 29, 2026: 4.06% APYSep 14, 2026Oct 12, 2026
  • Sep 29, 20264.06%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Scenic Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.48%
1 Year Certificate
$2,500
4.06% ▲ 0.87% above Tennessee avg
View
▼
Rate4.00%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.19%▲ 0.87% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.06% ▲ 0.26 pts · high 4.06% / low 3.80%
3.30%3.93%4.56%Sep 14, 2026: 3.80% APYOct 10, 2026: 4.06% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20264.06%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Holley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
12 Month Share Certificate
$0
4.06% ▲ 0.87% above Tennessee avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.19%▲ 0.87% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 4.06% ▲ 0.51 pts · high 4.06% / low 3.55%
3.04%3.80%4.57%Sep 14, 2026: 3.55% APYSep 27, 2026: 4.06% APYSep 14, 2026Oct 12, 2026
  • Sep 27, 20264.06%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
12 Month Certificate
$0
4.05% ▲ 0.86% above Tennessee avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.19%▲ 0.86% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 4.05% ▲ 0.55 pts · high 4.05% / low 3.50%
2.95%3.78%4.60%Sep 14, 2026: 3.50% APYOct 5, 2026: 4.05% APYSep 14, 2026Oct 12, 2026
  • Oct 5, 20264.05%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
12 Month IRA Accumulation Share Certificate
$5
4.04% ▲ 0.85% above Tennessee avg
View
▼
Rate3.97%
Min Deposit$5
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average3.19%▲ 0.85% above avgNationally 2.99%
Details

Term: 12 Month IRA Variable

Rate History
No change since Oct 8, 2026 · 4.04% APY
3.54%4.04%4.54%Oct 8, 2026: 4.04% APYOct 8, 2026Oct 12, 2026
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
IRA Accumulation Share Certificate - 12 Month IRA Variable
$5
4.04% ▲ 0.85% above Tennessee avg
View
▼
Rate3.97%
Min Deposit$5
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average3.19%▲ 0.85% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.04% ▲ 0.04 pts · high 4.04% / low 4.00%
3.50%4.02%4.54%Sep 14, 2026: 4.00% APYOct 4, 2026: 4.04% APYSep 14, 2026Oct 12, 2026
  • Oct 4, 20264.04%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
12 Month Share Certificate Account
$1,000
4.02% ▲ 0.83% above Tennessee avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.19%▲ 0.83% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.02% APY · checked 6 times
3.52%4.02%4.52%Sep 18, 2026: 4.02% APYSep 18, 2026Oct 12, 2026
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
12 Month Share Certificate
$1,000
4.02% ▲ 0.83% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.19%▲ 0.83% above avgNationally 2.99%
Details

Balance: $1,000-$74,999

Rate History
1 change since Sep 21, 2026 · 3.82% → 4.02% ▲ 0.20 pts · high 4.02% / low 3.82%
3.32%3.92%4.52%Sep 21, 2026: 3.82% APYOct 9, 2026: 4.02% APYSep 21, 2026Oct 12, 2026
  • Oct 9, 20264.02%▲ from 3.82%
  • Sep 21, 20263.82%first recorded
Elizabethton FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
12 Month CD
$500
4.01% ▲ 0.82% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average3.19%▲ 0.82% above avgNationally 2.99%
Details

Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 6 times
3.51%4.01%4.51%Sep 14, 2026: 4.01% APYSep 14, 2026Oct 12, 2026
Elizabethton FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
12 Month IRA CD
$500
4.01% ▲ 0.82% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average3.19%▲ 0.82% above avgNationally 2.99%
Details

IRA

Rate History
No change since Oct 7, 2026 · 4.01% APY · checked 2 times
3.51%4.01%4.51%Oct 7, 2026: 4.01% APYOct 7, 2026Oct 12, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
IRA 12 Month Certificate
$0
4.01% ▲ 0.82% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.19%▲ 0.82% above avgNationally 2.99%
Details

Jumbo IRA

Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 6 times
3.51%4.01%4.51%Sep 14, 2026: 4.01% APYSep 14, 2026Oct 12, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Roth IRA 12 Month Certificate
$0
4.01% ▲ 0.82% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.19%▲ 0.82% above avgNationally 2.99%
Details

Jumbo IRA

Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 6 times
3.51%4.01%4.51%Sep 14, 2026: 4.01% APYSep 14, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
12 Month ESA EasyStart Certificate
$50
4.00% ▲ 0.81% above Tennessee avg
View
▼
Rate3.92%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.19%▲ 0.81% above avgNationally 2.99%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 12, 2026
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
12 Month CD
$1,000
4.00% ▲ 0.81% above Tennessee avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average3.19%▲ 0.81% above avgNationally 2.99%
Details

APY = Annual Percentage Yield. *Assumes no compounding, interest paid annually or at maturity.

Rate History
1 change since Sep 14, 2026 · 3.00% → 4.00% ▲ 1.00 pts · high 4.00% / low 3.00%
2.00%3.50%5.00%Sep 14, 2026: 3.00% APYOct 7, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
  • Oct 7, 20264.00%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
12 Month Share/IRA Certificate
$500
4.00% ▲ 0.81% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average3.19%▲ 0.81% above avgNationally 2.99%
Details

Rate History
1 change since Sep 25, 2026 · 5.00% → 4.00% ▼ 1.00 pts · high 5.00% / low 4.00%
3.00%4.50%6.00%Sep 25, 2026: 5.00% APYOct 8, 2026: 4.00% APYSep 25, 2026Oct 12, 2026
  • Oct 8, 20264.00%▼ from 5.00%
  • Sep 25, 20265.00%first recorded
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
Jumbo Share/IRA Certificate 12 Month
$100,000
4.00% ▲ 0.81% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average3.19%▲ 0.81% above avgNationally 2.99%
Details

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 12, 2026
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
12 Month Share Certificate
$0
4.00% ▲ 0.81% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.19%▲ 0.81% above avgNationally 2.99%
Details

Dividends Paid at Maturity; Under $50,000

Rate History
No change since Sep 17, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 17, 2026: 4.00% APYSep 17, 2026Oct 12, 2026
Johnsonville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
12 Month Certificate
$1,000
4.00% ▲ 0.81% above Tennessee avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.19%▲ 0.81% above avgNationally 2.99%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.00% ▲ 0.55 pts · high 4.00% / low 3.45%
2.90%3.73%4.55%Sep 14, 2026: 3.45% APYSep 29, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
  • Sep 29, 20264.00%▲ from 3.45%
  • Sep 14, 20263.45%first recorded

South Carthage 18 Month CD Rates

Tennessee 18 Month CD Average3.00% APYNational 2.87%▼ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
18 Month Business Share Certificate
$0
4.75% ▲ 1.75% above Tennessee avg
View
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average3.00%▲ 1.75% above avgNationally 2.87%
Details

PROMO: 6, 12, or 18 Months

Rate History
No change since Oct 4, 2026 · 4.75% APY · checked 2 times
4.25%4.75%5.25%Oct 4, 2026: 4.75% APYOct 4, 2026Oct 12, 2026
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
18 Month Certificate
$0
4.75% ▲ 1.75% above Tennessee avg
View
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average3.00%▲ 1.75% above avgNationally 2.87%
Details

PROMO: 6, 12, or 18 Months

Rate History
1 change since Oct 4, 2026 · 3.25% → 4.75% ▲ 1.50 pts · high 4.75% / low 3.25%
1.75%4.00%6.25%Oct 4, 2026: 3.25% APYOct 8, 2026: 4.75% APYOct 4, 2026Oct 12, 2026
  • Oct 8, 20264.75%▲ from 3.25%
  • Oct 4, 20263.25%first recorded
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
18 Months Share Certificate
$0
4.75% ▲ 1.75% above Tennessee avg
View
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average3.00%▲ 1.75% above avgNationally 2.87%
Details

Rate History
No change since Oct 4, 2026 · 4.75% APY · checked 2 times
4.25%4.75%5.25%Oct 4, 2026: 4.75% APYOct 4, 2026Oct 12, 2026
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
Share Certificates PROMO: 6, 12, or 18 Months
$0
4.75% ▲ 1.75% above Tennessee avg
View
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average3.00%▲ 1.75% above avgNationally 2.87%
Details

PROMO: 6, 12, or 18 Months

Rate History
No change since Oct 8, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 8, 2026: 4.75% APYOct 8, 2026Oct 12, 2026
Finworth, a division of InsBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
18 Months Certificate
$0
4.30% ▲ 1.30% above Tennessee avg
View
▼
Rate4.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average3.00%▲ 1.30% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 4.30% APY · checked 2 times
3.80%4.30%4.80%Oct 7, 2026: 4.30% APYOct 7, 2026Oct 12, 2026
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
18 Month Business Share Certificates
$1,000
4.25% ▲ 1.25% above Tennessee avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.00%▲ 1.25% above avgNationally 2.87%
Details

$1,000 minimum opening deposit required. A penalty applies for early withdrawal.

Rate History
1 change since Sep 25, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 25, 2026: 4.00% APYOct 12, 2026: 4.25% APYSep 25, 2026Oct 12, 2026
  • Oct 12, 20264.25%▲ from 4.00%
  • Sep 25, 20264.00%first recorded
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Share Certificates - 18 Months
$1,000
4.25% ▲ 1.25% above Tennessee avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.00%▲ 1.25% above avgNationally 2.87%
Details

$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%
3.50%4.13%4.75%Oct 4, 2026: 4.00% APYOct 8, 2026: 4.25% APYOct 4, 2026Oct 12, 2026
  • Oct 8, 20264.25%▲ from 4.00%
  • Oct 4, 20264.00%first recorded
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
18 Month Certificate
$0
4.10% ▲ 1.10% above Tennessee avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.00%▲ 1.10% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.10% ▲ 0.65 pts · high 4.10% / low 3.45%
2.80%3.78%4.75%Sep 14, 2026: 3.45% APYOct 5, 2026: 4.10% APYSep 14, 2026Oct 12, 2026
  • Oct 5, 20264.10%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
IRA 18 Month Certificate
$0
4.07% ▲ 1.07% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.00%▲ 1.07% above avgNationally 2.87%
Details

Jumbo IRA

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 6 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 12, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Roth IRA 18 Month Certificate
$0
4.07% ▲ 1.07% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.00%▲ 1.07% above avgNationally 2.87%
Details

Jumbo IRA

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 6 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 12, 2026
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
18 Month CERTIFICATE ACCOUNTS/BUSINESS CERTIFICATE ACCOUNTS
$0
4.05% ▲ 1.05% above Tennessee avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 1, 2026
Tennessee Average3.00%▲ 1.05% above avgNationally 2.87%
Details

Add 0.25% to current dividend certificate rate with at least $10,000 new money OR with direct deposit. Ask for details.

Rate History
1 change since Sep 18, 2026 · 3.80% → 4.05% ▲ 0.25 pts · high 4.05% / low 3.80%
3.30%3.93%4.55%Sep 18, 2026: 3.80% APYSep 27, 2026: 4.05% APYSep 18, 2026Oct 12, 2026
  • Sep 27, 20264.05%▲ from 3.80%
  • Sep 18, 20263.80%first recorded
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18 Month Share Certificate Account
$1,000
4.02% ▲ 1.02% above Tennessee avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.00%▲ 1.02% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 4.02% APY · checked 6 times
3.52%4.02%4.52%Sep 18, 2026: 4.02% APYSep 18, 2026Oct 12, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
IRA 18 Month Certificate
$0
4.02% ▲ 1.02% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.00%▲ 1.02% above avgNationally 2.87%
Details

Regular IRA

Rate History
No change since Sep 14, 2026 · 4.02% APY · checked 6 times
3.52%4.02%4.52%Sep 14, 2026: 4.02% APYSep 14, 2026Oct 12, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Roth IRA 18 Month Certificate
$0
4.02% ▲ 1.02% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.00%▲ 1.02% above avgNationally 2.87%
Details

Regular IRA

Rate History
No change since Sep 14, 2026 · 4.02% APY · checked 6 times
3.52%4.02%4.52%Sep 14, 2026: 4.02% APYSep 14, 2026Oct 12, 2026
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
18 Month Certificate
$0
4.01% ▲ 1.01% above Tennessee avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.00%▲ 1.01% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.01% ▲ 0.21 pts · high 4.01% / low 3.80%
3.30%3.91%4.51%Sep 14, 2026: 3.80% APYSep 22, 2026: 4.01% APYSep 14, 2026Oct 12, 2026
  • Sep 22, 20264.01%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Share Certificates - 18 Month
$1,000
4.00% ▲ 1.00% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.00%▲ 1.00% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.95% → 4.00% ▲ 0.05 pts · high 4.00% / low 3.95%
3.45%3.98%4.50%Sep 14, 2026: 3.95% APYOct 9, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.00%▲ from 3.95%
  • Sep 14, 20263.95%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 18 Month
$100,000
4.00% ▲ 1.00% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.00%▲ 1.00% above avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 12, 2026
Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
18 Month Term Certificate
$0
4.00% ▲ 1.00% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.00%▲ 1.00% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
18 Month Regular, Business and / or IRA Share Certificate
$1,000
3.97% ▲ 0.97% above Tennessee avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average3.00%▲ 0.97% above avgNationally 2.87%
Details

Rate History
1 change since Sep 20, 2026 · 3.82% → 3.97% ▲ 0.15 pts · high 3.97% / low 3.82%
3.32%3.90%4.47%Sep 20, 2026: 3.82% APYOct 4, 2026: 3.97% APYSep 20, 2026Oct 12, 2026
  • Oct 4, 20263.97%▲ from 3.82%
  • Sep 20, 20263.82%first recorded
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
Regular, Business and / or IRA Share Certificate - 18 Months
$1,000
3.97% ▲ 0.97% above Tennessee avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average3.00%▲ 0.97% above avgNationally 2.87%
Details

Rate History
No change since Oct 8, 2026 · 3.97% APY
3.47%3.97%4.47%Oct 8, 2026: 3.97% APYOct 8, 2026Oct 12, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
18 Month Certificate
$0
3.96% ▲ 0.96% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.00%▲ 0.96% above avgNationally 2.87%
Details

Jumbo Certificate; quarterly dividends

Rate History
No change since Sep 14, 2026 · 3.96% APY · checked 2 times
3.46%3.96%4.46%Sep 14, 2026: 3.96% APYSep 14, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Share Certificates - 18 Month
$1,000
3.95% ▲ 0.95% above Tennessee avg
View
▼
Rate3.88%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.00%▲ 0.95% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 4 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 18 Months
$50,000
3.95% ▲ 0.95% above Tennessee avg
View
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.00%▲ 0.95% above avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 12, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 18 Months Fixed
$0
3.92% ▲ 0.92% above Tennessee avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average3.00%▲ 0.92% above avgNationally 2.87%
Details

Rate History
2 changes since Sep 14, 2026 · 3.71% → 3.92% ▲ 0.21 pts · high 3.92% / low 3.71%
3.21%3.82%4.42%Sep 14, 2026: 3.71% APYSep 18, 2026: 3.82% APYOct 4, 2026: 3.92% APYSep 14, 2026Oct 12, 2026
  • Oct 4, 20263.92%▲ from 3.82%
  • Sep 18, 20263.82%▲ from 3.71%
  • Sep 14, 20263.71%first recorded
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
18 Month Certificate
$0
3.91% ▲ 0.91% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.00%▲ 0.91% above avgNationally 2.87%
Details

Regular Certificate; quarterly dividends

Rate History
No change since Sep 14, 2026 · 3.91% APY · checked 2 times
3.41%3.91%4.41%Sep 14, 2026: 3.91% APYSep 14, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
18 Month Share Certificate
$1,000
3.90% ▲ 0.90% above Tennessee avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.00%▲ 0.90% above avgNationally 2.87%
Details

Rate History
1 change since Sep 18, 2026 · 3.95% → 3.90% ▼ 0.05 pts · high 3.95% / low 3.90%
3.40%3.93%4.45%Sep 18, 2026: 3.95% APYOct 9, 2026: 3.90% APYSep 18, 2026Oct 12, 2026
  • Oct 9, 20263.90%▼ from 3.95%
  • Sep 18, 20263.95%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 18 Month
$1,000
3.90% ▲ 0.90% above Tennessee avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.00%▲ 0.90% above avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 9, 2026: 3.90% APYOct 9, 2026Oct 12, 2026
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
18 Month Share Certificate
$1,000
3.90% ▲ 0.90% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.00%▲ 0.90% above avgNationally 2.87%
Details

Balance: $1,000-$74,999

Rate History
1 change since Sep 21, 2026 · 3.54% → 3.90% ▲ 0.36 pts · high 3.90% / low 3.54%
3.04%3.72%4.40%Sep 21, 2026: 3.54% APYOct 9, 2026: 3.90% APYSep 21, 2026Oct 12, 2026
  • Oct 9, 20263.90%▲ from 3.54%
  • Sep 21, 20263.54%first recorded
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
18 Month Share Certificate
$1,000
3.90% ▲ 0.90% above Tennessee avg
View
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 1, 2026
Tennessee Average3.00%▲ 0.90% above avgNationally 2.87%
Details

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 12, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
18 Month Certificate
$500
3.85% ▲ 0.85% above Tennessee avg
View
▼
Rate3.78%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average3.00%▲ 0.85% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.05% → 3.85% ▲ 0.80 pts · high 3.85% / low 3.05%
2.25%3.45%4.65%Sep 14, 2026: 3.05% APYOct 7, 2026: 3.85% APYSep 14, 2026Oct 12, 2026
  • Oct 7, 20263.85%▲ from 3.05%
  • Sep 14, 20263.05%first recorded
Tennessee State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
Traditional IRA 18 Month CD
$100
3.76% ▲ 0.76% above Tennessee avg
View
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average3.00%▲ 0.76% above avgNationally 2.87%
Details

Rate History
2 changes since Sep 14, 2026 · 3.21% → 3.76% ▲ 0.55 pts · high 3.76% / low 3.21%
2.66%3.49%4.31%Sep 14, 2026: 3.21% APYSep 19, 2026: 3.51% APYOct 2, 2026: 3.76% APYSep 14, 2026Oct 12, 2026
  • Oct 2, 20263.76%▲ from 3.51%
  • Sep 19, 20263.51%▲ from 3.21%
  • Sep 14, 20263.21%first recorded
Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
18 Month Business CD
$2,500
3.75% ▲ 0.75% above Tennessee avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average3.00%▲ 0.75% above avgNationally 2.87%
Details

Rate History
1 change since Sep 19, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 19, 2026: 3.50% APYOct 7, 2026: 3.75% APYSep 19, 2026Oct 12, 2026
  • Oct 7, 20263.75%▲ from 3.50%
  • Sep 19, 20263.50%first recorded
Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
18 Months CD
$2,500
3.75% ▲ 0.75% above Tennessee avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average3.00%▲ 0.75% above avgNationally 2.87%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 12, 2026
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
18 Month Certificate of Deposit
$0
3.75% ▲ 0.75% above Tennessee avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average3.00%▲ 0.75% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 8 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 12, 2026
TRUST Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.70%
18-Month Share Certificate
$500
3.75% ▲ 0.75% above Tennessee avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.00%▲ 0.75% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 7 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month ESA EasyStart Certificate
$50
3.70% ▲ 0.70% above Tennessee avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.00%▲ 0.70% above avgNationally 2.87%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 2 times
3.20%3.70%4.20%Oct 6, 2026: 3.70% APYOct 6, 2026Oct 12, 2026
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
18 Month Certificate
$0
3.70% ▲ 0.70% above Tennessee avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.00%▲ 0.70% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 6 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 12, 2026
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
18 Month Share Certificate
$1,000
3.65% ▲ 0.65% above Tennessee avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average3.00%▲ 0.65% above avgNationally 2.87%
Details

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 3 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 12, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 18 Months Fixed
$0
3.60% ▲ 0.60% above Tennessee avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average3.00%▲ 0.60% above avgNationally 2.87%
Details

Rate History
2 changes since Sep 14, 2026 · 3.39% → 3.60% ▲ 0.21 pts · high 3.60% / low 3.39%
2.89%3.50%4.10%Sep 14, 2026: 3.39% APYSep 18, 2026: 3.49% APYOct 4, 2026: 3.60% APYSep 14, 2026Oct 12, 2026
  • Oct 4, 20263.60%▲ from 3.49%
  • Sep 18, 20263.49%▲ from 3.39%
  • Sep 14, 20263.39%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Traditional IRA and Roth IRA Certificate 18 Months Fixed
$0
3.60% ▲ 0.60% above Tennessee avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average3.00%▲ 0.60% above avgNationally 2.87%
Details

Rate History
2 changes since Sep 14, 2026 · 3.39% → 3.60% ▲ 0.21 pts · high 3.60% / low 3.39%
2.89%3.50%4.10%Sep 14, 2026: 3.39% APYSep 18, 2026: 3.49% APYOct 4, 2026: 3.60% APYSep 14, 2026Oct 12, 2026
  • Oct 4, 20263.60%▲ from 3.49%
  • Sep 18, 20263.49%▲ from 3.39%
  • Sep 14, 20263.39%first recorded
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
18 Month Certificate Account with Rewards
$500
3.60% ▲ 0.60% above Tennessee avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.00%▲ 0.60% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.35% → 3.60% ▲ 0.25 pts · high 3.60% / low 3.35%
2.85%3.47%4.10%Sep 14, 2026: 3.35% APYOct 5, 2026: 3.60% APYSep 14, 2026Oct 12, 2026
  • Oct 5, 20263.60%▲ from 3.35%
  • Sep 14, 20263.35%first recorded
City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.06%
18 Month Certificate
$2,500
3.60% ▲ 0.60% above Tennessee avg
View
▼
Rate3.55%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.00%▲ 0.60% above avgNationally 2.87%
Details

Member Rewards: If you have CECU checking and direct deposit and over $25,000 on deposit with us, we will increase the rate on your new certificate by .10% or if you have over $50,000 on deposit, we will increase the new certificate rate by .20%. Early withdrawal penalties may apply

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 12, 2026
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
18 Month Jumbo Certificate
$250,000
3.55% ▲ 0.55% above Tennessee avg
View
▼
Rate3.50%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.00%▲ 0.55% above avgNationally 2.87%
Details

Effective 10/9/26 - 10/15/26

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 12, 2026
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
18 Month IRA Fixed
$100
3.50% ▲ 0.50% above Tennessee avg
View
▼
Rate3.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average3.00%▲ 0.50% above avgNationally 2.87%
Details

Rate History
1 change since Sep 14, 2026 · 3.29% → 3.50% ▲ 0.21 pts · high 3.50% / low 3.29%
2.79%3.40%4.00%Sep 14, 2026: 3.29% APYOct 7, 2026: 3.50% APYSep 14, 2026Oct 12, 2026
  • Oct 7, 20263.50%▲ from 3.29%
  • Sep 14, 20263.29%first recorded
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
18 Month Certificate of Deposit
$0
3.50% ▲ 0.50% above Tennessee avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.00%▲ 0.50% above avgNationally 2.87%
Details

Rate History
No change since Oct 8, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 8, 2026: 3.50% APYOct 8, 2026Oct 12, 2026
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
18 Month Share Certificate
$1,000
3.50% ▲ 0.50% above Tennessee avg
View
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.00%▲ 0.50% above avgNationally 2.87%
Details

IRA Certificates subject to minimum 6 month term and $1,000 minimum deposit

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 12, 2026
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
Share Certificate (CD) - 18 month
$0
3.50% ▲ 0.50% above Tennessee avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.00%▲ 0.50% above avgNationally 2.87%
Details

Rate History
No change since Oct 9, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 9, 2026: 3.50% APYOct 9, 2026Oct 12, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
18 Month Certificate
$0
3.46% ▲ 0.46% above Tennessee avg
View
▼
Rate3.40%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average3.00%▲ 0.46% above avgNationally 2.87%
Details

Rate History
No change since Sep 24, 2026 · 3.46% APY · checked 5 times
2.96%3.46%3.96%Sep 24, 2026: 3.46% APYSep 24, 2026Oct 12, 2026
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
18 Month IRA Certificate
$500
3.44% ▲ 0.44% above Tennessee avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.00%▲ 0.44% above avgNationally 2.87%
Details

Effective 10/9/26 - 10/15/26

Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 4 times
2.94%3.44%3.94%Sep 14, 2026: 3.44% APYSep 14, 2026Oct 12, 2026
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
18 Month Standard Certificate
$500
3.44% ▲ 0.44% above Tennessee avg
View
▼
Rate3.40%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.00%▲ 0.44% above avgNationally 2.87%
Details

Effective 10/9/26 - 10/15/26

Rate History
No change since Sep 14, 2026 · 3.44% APY · checked 5 times
2.94%3.44%3.94%Sep 14, 2026: 3.44% APYSep 14, 2026Oct 12, 2026

South Carthage 24 Month CD Rates

Tennessee 24 Month CD Average3.06% APYNational 2.88%▲ 0.03% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
24 Month Jumbo Share Certificates (CDs)
$0
4.82% ▲ 1.76% above Tennessee avg
View
▼
Rate4.71%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.06%▲ 1.76% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 4.28% → 4.82% ▲ 0.54 pts · high 4.82% / low 4.28%
3.74%4.55%5.37%Sep 18, 2026: 4.28% APYOct 9, 2026: 4.82% APYSep 18, 2026Oct 12, 2026
  • Oct 9, 20264.82%▲ from 4.28%
  • Sep 18, 20264.28%first recorded
Finworth, a division of InsBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
2 Years Certificate
$0
4.35% ▲ 1.29% above Tennessee avg
View
▼
Rate4.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average3.06%▲ 1.29% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.35% APY · checked 2 times
3.85%4.35%4.85%Oct 7, 2026: 4.35% APYOct 7, 2026Oct 12, 2026
Holley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
24 Month Share Certificate
$0
4.32% ▲ 1.26% above Tennessee avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.06%▲ 1.26% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.32% ▲ 0.57 pts · high 4.32% / low 3.75%
3.18%4.04%4.89%Sep 14, 2026: 3.75% APYSep 27, 2026: 4.32% APYSep 14, 2026Oct 12, 2026
  • Sep 27, 20264.32%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Financial Federal Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.53%
24 MONTH CD
$0
4.25% ▲ 1.19% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average3.06%▲ 1.19% above avgNationally 2.88%
Details

Rate History
No change since Oct 2, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Oct 2, 2026: 4.25% APYOct 2, 2026Oct 12, 2026
SouthEast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
24-Month CD Special
$1,000
4.25% ▲ 1.19% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average3.06%▲ 1.19% above avgNationally 2.88%
Details

Interest Compounded & Credited: Quarterly

Rate History
No change since Sep 14, 2026 · 4.25% APY · checked 7 times
3.75%4.25%4.75%Sep 14, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
Leaders Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
24-Month Certificate Special
$1,000
4.25% ▲ 1.19% above Tennessee avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.06%▲ 1.19% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 9, 2026: 4.25% APYOct 9, 2026Oct 12, 2026
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
24 Month Certificate
$0
4.15% ▲ 1.09% above Tennessee avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.06%▲ 1.09% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.45% → 4.15% ▲ 0.70 pts · high 4.15% / low 3.45%
2.75%3.80%4.85%Sep 14, 2026: 3.45% APYOct 5, 2026: 4.15% APYSep 14, 2026Oct 12, 2026
  • Oct 5, 20264.15%▲ from 3.45%
  • Sep 14, 20263.45%first recorded
Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
24 Month Term Certificate
$0
4.15% ▲ 1.09% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.06%▲ 1.09% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.15% APY · checked 7 times
3.65%4.15%4.65%Sep 14, 2026: 4.15% APYSep 14, 2026Oct 12, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
IRA 24 Month Certificate
$0
4.12% ▲ 1.06% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.06%▲ 1.06% above avgNationally 2.88%
Details

Jumbo IRA

Rate History
No change since Sep 14, 2026 · 4.12% APY · checked 6 times
3.62%4.12%4.62%Sep 14, 2026: 4.12% APYSep 14, 2026Oct 12, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Roth IRA 24 Month Certificate
$0
4.12% ▲ 1.06% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.06%▲ 1.06% above avgNationally 2.88%
Details

Jumbo IRA

Rate History
No change since Sep 14, 2026 · 4.12% APY · checked 6 times
3.62%4.12%4.62%Sep 14, 2026: 4.12% APYSep 14, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 2 Year
$0
4.10% ▲ 1.04% above Tennessee avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.06%▲ 1.04% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Oct 9, 2026: 4.10% APYOct 9, 2026Oct 12, 2026
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
24 Month CERTIFICATE ACCOUNTS/BUSINESS CERTIFICATE ACCOUNTS
$0
4.10% ▲ 1.04% above Tennessee avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 1, 2026
Tennessee Average3.06%▲ 1.04% above avgNationally 2.88%
Details

Add 0.25% to current dividend certificate rate with at least $10,000 new money OR with direct deposit. Ask for details.

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 18, 2026: 3.85% APYSep 27, 2026: 4.10% APYSep 18, 2026Oct 12, 2026
  • Sep 27, 20264.10%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
24 Month Business Jumbo Share Certificate
$100,000
4.07% ▲ 1.01% above Tennessee avg
View
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average3.06%▲ 1.01% above avgNationally 2.88%
Details

Rate History
1 change since Sep 18, 2026 · 3.87% → 4.07% ▲ 0.20 pts · high 4.07% / low 3.87%
3.37%3.97%4.57%Sep 18, 2026: 3.87% APYOct 4, 2026: 4.07% APYSep 18, 2026Oct 12, 2026
  • Oct 4, 20264.07%▲ from 3.87%
  • Sep 18, 20263.87%first recorded
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
Business Jumbo Share Certificate - 24 Months
$100,000
4.07% ▲ 1.01% above Tennessee avg
View
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average3.06%▲ 1.01% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 4.07% APY
3.57%4.07%4.57%Oct 8, 2026: 4.07% APYOct 8, 2026Oct 12, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
IRA 24 Month Certificate
$0
4.07% ▲ 1.01% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.06%▲ 1.01% above avgNationally 2.88%
Details

Regular IRA

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 6 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 12, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Roth IRA 24 Month Certificate
$0
4.07% ▲ 1.01% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.06%▲ 1.01% above avgNationally 2.88%
Details

Regular IRA

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 6 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 2 Year
$0
4.05% ▲ 0.99% above Tennessee avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.06%▲ 0.99% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 4.05% APY · checked 4 times
3.55%4.05%4.55%Sep 18, 2026: 4.05% APYSep 18, 2026Oct 12, 2026
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
24 Month Regular, Business and / or IRA Share Certificate
$1,000
4.02% ▲ 0.96% above Tennessee avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average3.06%▲ 0.96% above avgNationally 2.88%
Details

Rate History
1 change since Sep 20, 2026 · 3.82% → 4.02% ▲ 0.20 pts · high 4.02% / low 3.82%
3.32%3.92%4.52%Sep 20, 2026: 3.82% APYOct 4, 2026: 4.02% APYSep 20, 2026Oct 12, 2026
  • Oct 4, 20264.02%▲ from 3.82%
  • Sep 20, 20263.82%first recorded
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
Regular, Business and / or IRA Share Certificate - 24 Months
$1,000
4.02% ▲ 0.96% above Tennessee avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average3.06%▲ 0.96% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 8, 2026: 4.02% APYOct 8, 2026Oct 12, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 24 Months Fixed
$0
4.02% ▲ 0.96% above Tennessee avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average3.06%▲ 0.96% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 14, 2026 · 3.82% → 4.02% ▲ 0.20 pts · high 4.02% / low 3.82%
3.32%3.92%4.52%Sep 14, 2026: 3.82% APYSep 18, 2026: 3.92% APYOct 4, 2026: 4.02% APYSep 14, 2026Oct 12, 2026
  • Oct 4, 20264.02%▲ from 3.92%
  • Sep 18, 20263.92%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
24 Month Certificate
$0
4.02% ▲ 0.96% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.06%▲ 0.96% above avgNationally 2.88%
Details

Jumbo Certificate; quarterly dividends

Rate History
No change since Sep 14, 2026 · 4.02% APY · checked 2 times
3.52%4.02%4.52%Sep 14, 2026: 4.02% APYSep 14, 2026Oct 12, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
24 Month CD
$0
4.00% ▲ 0.94% above Tennessee avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average3.06%▲ 0.94% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 12, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
24 Month Certificate of Deposit
$1,000
4.00% ▲ 0.94% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average3.06%▲ 0.94% above avgNationally 2.88%
Details

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 12, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
24-Month IRA
$1,000
4.00% ▲ 0.94% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average3.06%▲ 0.94% above avgNationally 2.88%
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 12, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 24-Month
$1,000
4.00% ▲ 0.94% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average3.06%▲ 0.94% above avgNationally 2.88%
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%
3.25%3.88%4.50%Sep 14, 2026: 3.75% APYOct 7, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
  • Oct 7, 20264.00%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
24 Month Business Share Certificates
$1,000
4.00% ▲ 0.94% above Tennessee avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.06%▲ 0.94% above avgNationally 2.88%
Details

$1,000 minimum opening deposit required. A penalty applies for early withdrawal.

Rate History
1 change since Sep 25, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Sep 25, 2026: 3.75% APYOct 12, 2026: 4.00% APYSep 25, 2026Oct 12, 2026
  • Oct 12, 20264.00%▲ from 3.75%
  • Sep 25, 20263.75%first recorded
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
Share Certificates - 24 Months
$1,000
4.00% ▲ 0.94% above Tennessee avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.06%▲ 0.94% above avgNationally 2.88%
Details

$1,000 minimum opening deposit required; early withdrawal penalty applies

Rate History
1 change since Oct 4, 2026 · 3.75% → 4.00% ▲ 0.25 pts · high 4.00% / low 3.75%
3.25%3.88%4.50%Oct 4, 2026: 3.75% APYOct 8, 2026: 4.00% APYOct 4, 2026Oct 12, 2026
  • Oct 8, 20264.00%▲ from 3.75%
  • Oct 4, 20263.75%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Business Share Certificates
$0
4.00% ▲ 0.94% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.06%▲ 0.94% above avgNationally 2.88%
Details

Balance: $100,000

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Retirement Liquid Share Certificates
$0
4.00% ▲ 0.94% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.06%▲ 0.94% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
1 - 2 Year Business Investment Certificate
$1,000
4.00% ▲ 0.94% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.06%▲ 0.94% above avgNationally 2.88%
Details

Term: 1 to 2 Years (365 to 729 days); Jumbo APY ($100k Minimum): 4.05%; Jumbo Dividend Rate ($100k minimum): 3.98%; Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 12, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
1 - 2 Year Investment Certificate
$1,000
4.00% ▲ 0.94% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.06%▲ 0.94% above avgNationally 2.88%
Details

Term: 1 to 2 Years (365 to 729 days); Jumbo APY ($100k Minimum): 4.05%; Jumbo Dividend Rate ($100k minimum): 3.98%; Early Withdrawal Penalty: 90 Days' Dividends

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 12, 2026
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
24 Month Share Certificate Account
$1,000
3.97% ▲ 0.91% above Tennessee avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.06%▲ 0.91% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.97% APY · checked 6 times
3.47%3.97%4.47%Sep 18, 2026: 3.97% APYSep 18, 2026Oct 12, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
24 Month Certificate
$0
3.97% ▲ 0.91% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.06%▲ 0.91% above avgNationally 2.88%
Details

Regular Certificate; quarterly dividends

Rate History
No change since Sep 14, 2026 · 3.97% APY · checked 2 times
3.47%3.97%4.47%Sep 14, 2026: 3.97% APYSep 14, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Business Share Certificates
$0
3.95% ▲ 0.89% above Tennessee avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.06%▲ 0.89% above avgNationally 2.88%
Details

Balance: $50,000

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 12, 2026
EPB Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.26%
2 1/2-Year CD
$0
3.95% ▲ 0.89% above Tennessee avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.06%▲ 0.89% above avgNationally 2.88%
Details

Rate History
No change since Oct 9, 2026 · 3.95% APY
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 12, 2026
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
2 Year Share Certificate
$1,000
3.92% ▲ 0.86% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.06%▲ 0.86% above avgNationally 2.88%
Details

Balance: $1,000-$74,999

Rate History
1 change since Sep 21, 2026 · 3.72% → 3.92% ▲ 0.20 pts · high 3.92% / low 3.72%
3.22%3.82%4.42%Sep 21, 2026: 3.72% APYOct 9, 2026: 3.92% APYSep 21, 2026Oct 12, 2026
  • Oct 9, 20263.92%▲ from 3.72%
  • Sep 21, 20263.72%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Business Share Certificates
$0
3.90% ▲ 0.84% above Tennessee avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.06%▲ 0.84% above avgNationally 2.88%
Details

Balance: $1,000

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 12, 2026
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
24 Month Share Certificate
$1,000
3.90% ▲ 0.84% above Tennessee avg
View
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 1, 2026
Tennessee Average3.06%▲ 0.84% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 18, 2026: 3.90% APYSep 18, 2026Oct 12, 2026
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
24 Month Certificate
$0
3.80% ▲ 0.74% above Tennessee avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.06%▲ 0.74% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.55% → 3.80% ▲ 0.26 pts · high 3.80% / low 3.55%
3.05%3.67%4.30%Sep 14, 2026: 3.55% APYSep 22, 2026: 3.80% APYSep 14, 2026Oct 12, 2026
  • Sep 22, 20263.80%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
24 Month Business CD
$2,500
3.75% ▲ 0.69% above Tennessee avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average3.06%▲ 0.69% above avgNationally 2.88%
Details

Rate History
1 change since Sep 19, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 19, 2026: 3.50% APYOct 7, 2026: 3.75% APYSep 19, 2026Oct 12, 2026
  • Oct 7, 20263.75%▲ from 3.50%
  • Sep 19, 20263.50%first recorded
Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
24 Months CD
$2,500
3.75% ▲ 0.69% above Tennessee avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average3.06%▲ 0.69% above avgNationally 2.88%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 12, 2026
EPB Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.26%
1 1/2 Year-CD
$0
3.75% ▲ 0.69% above Tennessee avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.06%▲ 0.69% above avgNationally 2.88%
Details

Rate History
No change since Sep 18, 2026 · 3.75% APY · checked 4 times
3.25%3.75%4.25%Sep 18, 2026: 3.75% APYSep 18, 2026Oct 12, 2026
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
24 Month Certificate Account with Rewards
$500
3.75% ▲ 0.69% above Tennessee avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.06%▲ 0.69% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 14, 2026: 3.50% APYOct 5, 2026: 3.75% APYSep 14, 2026Oct 12, 2026
  • Oct 5, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 24 Months Fixed
$0
3.70% ▲ 0.64% above Tennessee avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average3.06%▲ 0.64% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 14, 2026 · 3.49% → 3.70% ▲ 0.21 pts · high 3.70% / low 3.49%
2.99%3.60%4.20%Sep 14, 2026: 3.49% APYSep 18, 2026: 3.60% APYOct 4, 2026: 3.70% APYSep 14, 2026Oct 12, 2026
  • Oct 4, 20263.70%▲ from 3.60%
  • Sep 18, 20263.60%▲ from 3.49%
  • Sep 14, 20263.49%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Traditional IRA and Roth IRA Certificate 24 Months Fixed
$0
3.70% ▲ 0.64% above Tennessee avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average3.06%▲ 0.64% above avgNationally 2.88%
Details

Rate History
2 changes since Sep 14, 2026 · 3.49% → 3.70% ▲ 0.21 pts · high 3.70% / low 3.49%
2.99%3.60%4.20%Sep 14, 2026: 3.49% APYSep 18, 2026: 3.60% APYOct 4, 2026: 3.70% APYSep 14, 2026Oct 12, 2026
  • Oct 4, 20263.70%▲ from 3.60%
  • Sep 18, 20263.60%▲ from 3.49%
  • Sep 14, 20263.49%first recorded
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
24 Month Certificate of Deposit
$0
3.65% ▲ 0.59% above Tennessee avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.06%▲ 0.59% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 8, 2026: 3.65% APYOct 8, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
24 Month ESA EasyStart Certificate
$50
3.60% ▲ 0.54% above Tennessee avg
View
▼
Rate3.54%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.06%▲ 0.54% above avgNationally 2.88%
Details

EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.60% APY · checked 2 times
3.10%3.60%4.10%Oct 6, 2026: 3.60% APYOct 6, 2026Oct 12, 2026
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
24 Month Share Certificate
$1,000
3.60% ▲ 0.54% above Tennessee avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average3.06%▲ 0.54% above avgNationally 2.88%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 12, 2026
New South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
24 Month Certificate
$0
3.60% ▲ 0.54% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.06%▲ 0.54% above avgNationally 2.88%
Details

Rate History
1 change since Sep 21, 2026 · 2.75% → 3.60% ▲ 0.85 pts · high 3.60% / low 2.75%
1.90%3.18%4.45%Sep 21, 2026: 2.75% APYOct 9, 2026: 3.60% APYSep 21, 2026Oct 12, 2026
  • Oct 9, 20263.60%▲ from 2.75%
  • Sep 21, 20262.75%first recorded
New South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
24 Month IRA Certificates
$0
3.60% ▲ 0.54% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.06%▲ 0.54% above avgNationally 2.88%
Details

Rate History
1 change since Sep 14, 2026 · 2.75% → 3.60% ▲ 0.85 pts · high 3.60% / low 2.75%
1.90%3.18%4.45%Sep 14, 2026: 2.75% APYOct 9, 2026: 3.60% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20263.60%▲ from 2.75%
  • Sep 14, 20262.75%first recorded

South Carthage 36 Month CD Rates

Tennessee 36 Month CD Average2.89% APYNational 2.81%▲ 0.06% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
36 Month Jumbo Share Certificates (CDs)
$0
4.93% ▲ 2.04% above Tennessee avg
View
▼
Rate4.81%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.89%▲ 2.04% above avgNationally 2.81%
Details

Rate History
1 change since Sep 18, 2026 · 4.35% → 4.93% ▲ 0.57 pts · high 4.93% / low 4.35%
3.78%4.64%5.50%Sep 18, 2026: 4.35% APYOct 9, 2026: 4.93% APYSep 18, 2026Oct 12, 2026
  • Oct 9, 20264.93%▲ from 4.35%
  • Sep 18, 20264.35%first recorded
ORNL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
36-Month IRA PROMOTIONAL Certificate
$500
4.50% ▲ 1.61% above Tennessee avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.89%▲ 1.61% above avgNationally 2.81%
Details

IRA PROMOTIONAL

Rate History
1 change since Sep 18, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 18, 2026: 4.25% APYOct 6, 2026: 4.50% APYSep 18, 2026Oct 12, 2026
  • Oct 6, 20264.50%▲ from 4.25%
  • Sep 18, 20264.25%first recorded
ORNL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
36-Month PROMOTIONAL Certificate
$500
4.50% ▲ 1.61% above Tennessee avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.89%▲ 1.61% above avgNationally 2.81%
Details

PROMOTIONAL

Rate History
1 change since Sep 18, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 18, 2026: 4.25% APYOct 6, 2026: 4.50% APYSep 18, 2026Oct 12, 2026
  • Oct 6, 20264.50%▲ from 4.25%
  • Sep 18, 20264.25%first recorded
First National Bank of Pulaski
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
36 Month Certificate of Deposit
$10,000
4.25% ▲ 1.36% above Tennessee avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average2.89%▲ 1.36% above avgNationally 2.81%
Details

Term: 36 Months CD with 1x Bump; You may exercise a one-time rate bump during the CD term, the new rate will be determined by the book rate for a 36 month CD and effective for the remaining CD term. Member FDIC.

Rate History
No change since Sep 29, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Sep 29, 2026: 4.25% APYSep 29, 2026Oct 12, 2026
Leaders Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
12/24/36 Month Certificate Special
$1,000
4.25% ▲ 1.36% above Tennessee avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.89%▲ 1.36% above avgNationally 2.81%
Details

New money only (not on deposit within last 30 days). Compounded monthly.

Rate History
No change since Oct 9, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 9, 2026: 4.25% APYOct 9, 2026Oct 12, 2026
Leaders Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
36-Month Certificate Special
$1,000
4.25% ▲ 1.36% above Tennessee avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.89%▲ 1.36% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 9, 2026: 4.25% APYOct 9, 2026Oct 12, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
IRA 36 Month Certificate
$0
4.18% ▲ 1.29% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.89%▲ 1.29% above avgNationally 2.81%
Details

Jumbo IRA

Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 6 times
3.68%4.18%4.68%Sep 14, 2026: 4.18% APYSep 14, 2026Oct 12, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Roth IRA 36 Month Certificate
$0
4.18% ▲ 1.29% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.89%▲ 1.29% above avgNationally 2.81%
Details

Jumbo IRA

Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 6 times
3.68%4.18%4.68%Sep 14, 2026: 4.18% APYSep 14, 2026Oct 12, 2026
Scenic Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.48%
36 Months Certificate
$500
4.16% ▲ 1.27% above Tennessee avg
View
▼
Rate4.10%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.89%▲ 1.27% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.03% → 4.16% ▲ 1.13 pts · high 4.16% / low 3.03%
1.90%3.60%5.29%Sep 14, 2026: 3.03% APYOct 10, 2026: 4.16% APYSep 14, 2026Oct 12, 2026
  • 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 ESA Long-Term Certificate
$100,000
4.15% ▲ 1.26% above Tennessee avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.89%▲ 1.26% above avgNationally 2.81%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 3 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 12, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
36 Month CD
$0
4.15% ▲ 1.26% above Tennessee avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.89%▲ 1.26% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 12, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
36 Month Certificate of Deposit
$1,000
4.15% ▲ 1.26% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.89%▲ 1.26% above avgNationally 2.81%
Details

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 12, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
36-Month IRA
$1,000
4.15% ▲ 1.26% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.89%▲ 1.26% 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 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 12, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 36-Month
$1,000
4.15% ▲ 1.26% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.89%▲ 1.26% 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%
3.25%3.95%4.65%Sep 14, 2026: 3.75% APYOct 7, 2026: 4.15% APYSep 14, 2026Oct 12, 2026
  • Oct 7, 20264.15%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 36 Months Fixed
$0
4.13% ▲ 1.24% above Tennessee avg
View
▼
Rate4.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average2.89%▲ 1.24% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 3.92% → 4.13% ▲ 0.21 pts · high 4.13% / low 3.92%
3.42%4.03%4.63%Sep 14, 2026: 3.92% APYSep 18, 2026: 4.02% APYOct 4, 2026: 4.13% APYSep 14, 2026Oct 12, 2026
  • Oct 4, 20264.13%▲ from 4.02%
  • Sep 18, 20264.02%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
36 Month Certificate
$0
4.13% ▲ 1.24% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.89%▲ 1.24% above avgNationally 2.81%
Details

Jumbo Certificate

Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 2 times
3.63%4.13%4.63%Sep 14, 2026: 4.13% APYSep 14, 2026Oct 12, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
IRA 36 Month Certificate
$0
4.13% ▲ 1.24% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.89%▲ 1.24% above avgNationally 2.81%
Details

Regular IRA

Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 6 times
3.63%4.13%4.63%Sep 14, 2026: 4.13% APYSep 14, 2026Oct 12, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Roth IRA 36 Month Certificate
$0
4.13% ▲ 1.24% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.89%▲ 1.24% above avgNationally 2.81%
Details

Regular IRA

Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 6 times
3.63%4.13%4.63%Sep 14, 2026: 4.13% APYSep 14, 2026Oct 12, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$1,000
4.10% ▲ 1.21% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.89%▲ 1.21% above avgNationally 2.81%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 3 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 3 Year
$0
4.10% ▲ 1.21% above Tennessee avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.89%▲ 1.21% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.10% ▲ 0.10 pts · high 4.10% / low 4.00%
3.50%4.05%4.60%Sep 14, 2026: 4.00% APYOct 9, 2026: 4.10% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.10%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
36 Month CERTIFICATE ACCOUNTS/BUSINESS CERTIFICATE ACCOUNTS
$0
4.10% ▲ 1.21% above Tennessee avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 1, 2026
Tennessee Average2.89%▲ 1.21% above avgNationally 2.81%
Details

Add 0.25% to current dividend certificate rate with at least $10,000 new money OR with direct deposit. Ask for details.

Rate History
1 change since Sep 18, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 18, 2026: 3.85% APYSep 27, 2026: 4.10% APYSep 18, 2026Oct 12, 2026
  • Sep 27, 20264.10%▲ from 3.85%
  • Sep 18, 20263.85%first recorded
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Business IRA Certificate Accounts - 36 Months
$0
4.10% ▲ 1.21% above Tennessee avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 1, 2026
Tennessee Average2.89%▲ 1.21% above avgNationally 2.81%
Details

IRA Certificate Accounts; Dividends can be added back to the account, transferred to another Knoxville TVA Employees Credit Union account, or mailed to you each month. Annual Percentage Yield applies when the dividend is reinvested in the account. Certificate Accounts (other than Educational Savings) can be designated as an Individual Retirement Account (IRA) or Health Savings Account (HSA). Talk to a financial advisor regarding individual scenarios. Add 0.25% to current dividend certificate rate with at least $10,000 new money OR with direct deposit. Ask for details.

Rate History
1 change since Sep 14, 2026 · 3.85% → 4.10% ▲ 0.25 pts · high 4.10% / low 3.85%
3.35%3.97%4.60%Sep 14, 2026: 3.85% APYSep 27, 2026: 4.10% APYSep 14, 2026Oct 12, 2026
  • Sep 27, 20264.10%▲ from 3.85%
  • Sep 14, 20263.85%first recorded
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
36 Month Certificate
$0
4.07% ▲ 1.18% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.89%▲ 1.18% above avgNationally 2.81%
Details

Regular Certificate

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 12, 2026
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
36 Month Certificate
$0
4.05% ▲ 1.16% above Tennessee avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.89%▲ 1.16% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.40% → 4.05% ▲ 0.65 pts · high 4.05% / low 3.40%
2.75%3.72%4.70%Sep 14, 2026: 3.40% APYOct 5, 2026: 4.05% APYSep 14, 2026Oct 12, 2026
  • Oct 5, 20264.05%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 3 Year
$0
4.05% ▲ 1.16% above Tennessee avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.89%▲ 1.16% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 4.00% → 4.05% ▲ 0.05 pts · high 4.05% / low 4.00%
3.50%4.03%4.55%Sep 14, 2026: 4.00% APYOct 9, 2026: 4.05% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20264.05%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
36 Month Share Certificate Account
$1,000
4.02% ▲ 1.13% above Tennessee avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.89%▲ 1.13% above avgNationally 2.81%
Details

Rate History
No change since Sep 18, 2026 · 4.02% APY · checked 6 times
3.52%4.02%4.52%Sep 18, 2026: 4.02% APYSep 18, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Business Share Certificates
$0
4.00% ▲ 1.11% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.89%▲ 1.11% above avgNationally 2.81%
Details

Balance: $100,000

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 3 Year
$0
4.00% ▲ 1.11% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.89%▲ 1.11% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 3 Year
$100,000
4.00% ▲ 1.11% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.89%▲ 1.11% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 12, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
2 - 3 Year Business Investment Certificate
$1,000
4.00% ▲ 1.11% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.89%▲ 1.11% above avgNationally 2.81%
Details

Term: 2 to 3 Years (730 to 1,094 days); Jumbo APY ($100k Minimum): 4.05%; Jumbo Dividend Rate ($100k minimum): 3.98%; Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 12, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
2 - 3 Year Investment Certificate
$1,000
4.00% ▲ 1.11% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.89%▲ 1.11% above avgNationally 2.81%
Details

Term: 2 to 3 Years (730 to 1,094 days); Jumbo APY ($100k Minimum): 4.05%; Jumbo Dividend Rate ($100k minimum): 3.98%; Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Business Share Certificates
$0
3.95% ▲ 1.06% above Tennessee avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.89%▲ 1.06% above avgNationally 2.81%
Details

Balance: $50,000

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 3 Year
$50,000
3.95% ▲ 1.06% above Tennessee avg
View
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.89%▲ 1.06% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 12, 2026
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
36 Month Regular, Business and / or IRA Share Certificate
$1,000
3.92% ▲ 1.03% above Tennessee avg
View
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average2.89%▲ 1.03% above avgNationally 2.81%
Details

Rate History
1 change since Sep 20, 2026 · 3.87% → 3.92% ▲ 0.05 pts · high 3.92% / low 3.87%
3.37%3.90%4.42%Sep 20, 2026: 3.87% APYOct 4, 2026: 3.92% APYSep 20, 2026Oct 12, 2026
  • Oct 4, 20263.92%▲ from 3.87%
  • Sep 20, 20263.87%first recorded
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
Regular, Business and / or IRA Share Certificate - 36 Months
$1,000
3.92% ▲ 1.03% above Tennessee avg
View
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average2.89%▲ 1.03% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.92% APY
3.42%3.92%4.42%Oct 8, 2026: 3.92% APYOct 8, 2026Oct 12, 2026
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
3 Year Share Certificate
$1,000
3.91% ▲ 1.02% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.89%▲ 1.02% above avgNationally 2.81%
Details

Balance: $1,000-$74,999

Rate History
1 change since Sep 21, 2026 · 3.63% → 3.91% ▲ 0.28 pts · high 3.91% / low 3.63%
3.13%3.77%4.41%Sep 21, 2026: 3.63% APYOct 9, 2026: 3.91% APYSep 21, 2026Oct 12, 2026
  • Oct 9, 20263.91%▲ from 3.63%
  • Sep 21, 20263.63%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
3 Year Business Share Certificates
$0
3.90% ▲ 1.01% above Tennessee avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.89%▲ 1.01% above avgNationally 2.81%
Details

Balance: $1,000

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 3 Year
$1,000
3.90% ▲ 1.01% above Tennessee avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.89%▲ 1.01% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 9, 2026: 3.90% APYOct 9, 2026Oct 12, 2026
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
36 Month Certificate Account
$0
3.85% ▲ 0.96% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.89%▲ 0.96% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.60% → 3.85% ▲ 0.25 pts · high 3.85% / low 3.60%
3.10%3.72%4.35%Sep 14, 2026: 3.60% APYOct 1, 2026: 3.85% APYSep 14, 2026Oct 12, 2026
  • Oct 1, 20263.85%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 36 Months Fixed
$0
3.80% ▲ 0.91% above Tennessee avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average2.89%▲ 0.91% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 3.60% → 3.80% ▲ 0.20 pts · high 3.80% / low 3.60%
3.10%3.70%4.30%Sep 14, 2026: 3.60% APYSep 18, 2026: 3.70% APYOct 4, 2026: 3.80% APYSep 14, 2026Oct 12, 2026
  • Oct 4, 20263.80%▲ from 3.70%
  • Sep 18, 20263.70%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Traditional IRA and Roth IRA Certificate 36 Months Fixed
$0
3.80% ▲ 0.91% above Tennessee avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average2.89%▲ 0.91% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 3.60% → 3.80% ▲ 0.20 pts · high 3.80% / low 3.60%
3.10%3.70%4.30%Sep 14, 2026: 3.60% APYSep 18, 2026: 3.70% APYOct 4, 2026: 3.80% APYSep 14, 2026Oct 12, 2026
  • Oct 4, 20263.80%▲ from 3.70%
  • Sep 18, 20263.70%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
36 Month Business CD
$2,500
3.75% ▲ 0.86% above Tennessee avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average2.89%▲ 0.86% above avgNationally 2.81%
Details

Rate History
1 change since Sep 19, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50%
3.00%3.63%4.25%Sep 19, 2026: 3.50% APYOct 7, 2026: 3.75% APYSep 19, 2026Oct 12, 2026
  • Oct 7, 20263.75%▲ from 3.50%
  • Sep 19, 20263.50%first recorded
Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
36 Months CD
$2,500
3.75% ▲ 0.86% above Tennessee avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average2.89%▲ 0.86% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Oct 7, 2026: 3.75% APYOct 7, 2026Oct 12, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Member's Choice Share Certificate - 36 Months Fixed
$0
3.70% ▲ 0.81% above Tennessee avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average2.89%▲ 0.81% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 3.49% → 3.70% ▲ 0.21 pts · high 3.70% / low 3.49%
2.99%3.60%4.20%Sep 14, 2026: 3.49% APYSep 18, 2026: 3.60% APYOct 4, 2026: 3.70% APYSep 14, 2026Oct 12, 2026
  • Oct 4, 20263.70%▲ from 3.60%
  • Sep 18, 20263.60%▲ from 3.49%
  • Sep 14, 20263.49%first recorded
New South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
36 Month Certificate
$0
3.70% ▲ 0.81% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.89%▲ 0.81% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 3.00% → 3.70% ▲ 0.70 pts · high 3.70% / low 3.00%
2.30%3.35%4.40%Sep 21, 2026: 3.00% APYOct 9, 2026: 3.70% APYSep 21, 2026Oct 12, 2026
  • Oct 9, 20263.70%▲ from 3.00%
  • Sep 21, 20263.00%first recorded
New South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
36 Month IRA Certificates
$0
3.70% ▲ 0.81% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.89%▲ 0.81% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.00% → 3.70% ▲ 0.70 pts · high 3.70% / low 3.00%
2.30%3.35%4.40%Sep 14, 2026: 3.00% APYOct 9, 2026: 3.70% APYSep 14, 2026Oct 12, 2026
  • Oct 9, 20263.70%▲ from 3.00%
  • Sep 14, 20263.00%first recorded
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
36 Month Certificate of Deposit
$0
3.65% ▲ 0.76% above Tennessee avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.89%▲ 0.76% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.65% APY · checked 2 times
3.15%3.65%4.15%Oct 8, 2026: 3.65% APYOct 8, 2026Oct 12, 2026
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
36 Month Share Certificate
$1,000
3.60% ▲ 0.71% above Tennessee avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average2.89%▲ 0.71% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 12, 2026
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
3 Year CD
$1,000
3.56% ▲ 0.67% above Tennessee avg
View
▼
Rate3.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.89%▲ 0.67% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.29% → 3.56% ▲ 0.27 pts · high 3.56% / low 3.29%
2.79%3.43%4.06%Sep 14, 2026: 3.29% APYOct 3, 2026: 3.56% APYSep 14, 2026Oct 12, 2026
  • Oct 3, 20263.56%▲ from 3.29%
  • Sep 14, 20263.29%first recorded
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
36 Month IRA Fixed
$100
3.50% ▲ 0.61% above Tennessee avg
View
▼
Rate3.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.89%▲ 0.61% above avgNationally 2.81%
Details

Early withdrawal penalty 182 days

Rate History
1 change since Sep 14, 2026 · 3.29% → 3.50% ▲ 0.21 pts · high 3.50% / low 3.29%
2.79%3.40%4.00%Sep 14, 2026: 3.29% APYOct 7, 2026: 3.50% APYSep 14, 2026Oct 12, 2026
  • Oct 7, 20263.50%▲ from 3.29%
  • Sep 14, 20263.29%first recorded

South Carthage 48 Month CD Rates

Tennessee 48 Month CD Average2.85% APYNational 2.81%▲ 0.05% from last week
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%
IRA 48 Month Certificate
$0
4.23% ▲ 1.38% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.85%▲ 1.38% above avgNationally 2.81%
Details

Jumbo IRA

Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 6 times
3.73%4.23%4.73%Sep 14, 2026: 4.23% APYSep 14, 2026Oct 12, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Roth IRA 48 Month Certificate
$0
4.23% ▲ 1.38% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.85%▲ 1.38% above avgNationally 2.81%
Details

Jumbo IRA

Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 6 times
3.73%4.23%4.73%Sep 14, 2026: 4.23% APYSep 14, 2026Oct 12, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 48 Months Fixed
$0
4.18% ▲ 1.33% above Tennessee avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average2.85%▲ 1.33% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 3.97% → 4.18% ▲ 0.21 pts · high 4.18% / low 3.97%
3.47%4.08%4.68%Sep 14, 2026: 3.97% APYSep 18, 2026: 4.07% APYOct 4, 2026: 4.18% APYSep 14, 2026Oct 12, 2026
  • Oct 4, 20264.18%▲ from 4.07%
  • Sep 18, 20264.07%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
48 Month Certificate
$0
4.18% ▲ 1.33% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.85%▲ 1.33% above avgNationally 2.81%
Details

Jumbo Certificate

Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 2 times
3.68%4.18%4.68%Sep 14, 2026: 4.18% APYSep 14, 2026Oct 12, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
IRA 48 Month Certificate
$0
4.18% ▲ 1.33% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.85%▲ 1.33% above avgNationally 2.81%
Details

Regular IRA

Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 6 times
3.68%4.18%4.68%Sep 14, 2026: 4.18% APYSep 14, 2026Oct 12, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Roth IRA 48 Month Certificate
$0
4.18% ▲ 1.33% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.85%▲ 1.33% above avgNationally 2.81%
Details

Regular IRA

Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 6 times
3.68%4.18%4.68%Sep 14, 2026: 4.18% APYSep 14, 2026Oct 12, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48 Month CD
$0
4.15% ▲ 1.30% above Tennessee avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.85%▲ 1.30% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 12, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48 Month Certificate of Deposit
$1,000
4.15% ▲ 1.30% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.85%▲ 1.30% above avgNationally 2.81%
Details

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

Rate History
No change since Oct 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 12, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48-Month IRA
$1,000
4.15% ▲ 1.30% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.85%▲ 1.30% 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 7, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 7, 2026: 4.15% APYOct 7, 2026Oct 12, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 48-Month
$1,000
4.15% ▲ 1.30% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.85%▲ 1.30% 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%
3.25%3.95%4.65%Sep 14, 2026: 3.75% APYOct 7, 2026: 4.15% APYSep 14, 2026Oct 12, 2026
  • Oct 7, 20264.15%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
48 Month CERTIFICATE ACCOUNTS/BUSINESS CERTIFICATE ACCOUNTS
$0
4.15% ▲ 1.30% above Tennessee avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 1, 2026
Tennessee Average2.85%▲ 1.30% above avgNationally 2.81%
Details

Add 0.25% to current dividend certificate rate with at least $10,000 new money OR with direct deposit. Ask for details.

Rate History
1 change since Sep 18, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90%
3.40%4.03%4.65%Sep 18, 2026: 3.90% APYSep 27, 2026: 4.15% APYSep 18, 2026Oct 12, 2026
  • Sep 27, 20264.15%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Business IRA Certificate Accounts - 48 Months
$0
4.15% ▲ 1.30% above Tennessee avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 1, 2026
Tennessee Average2.85%▲ 1.30% above avgNationally 2.81%
Details

IRA Certificate Accounts; Dividends can be added back to the account, transferred to another Knoxville TVA Employees Credit Union account, or mailed to you each month. Annual Percentage Yield applies when the dividend is reinvested in the account. Certificate Accounts (other than Educational Savings) can be designated as an Individual Retirement Account (IRA) or Health Savings Account (HSA). Talk to a financial advisor regarding individual scenarios. Add 0.25% to current dividend certificate rate with at least $10,000 new money OR with direct deposit. Ask for details.

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90%
3.40%4.03%4.65%Sep 14, 2026: 3.90% APYSep 27, 2026: 4.15% APYSep 14, 2026Oct 12, 2026
  • Sep 27, 20264.15%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
48 Month Certificate
$0
4.13% ▲ 1.28% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.85%▲ 1.28% above avgNationally 2.81%
Details

Regular Certificate

Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 2 times
3.63%4.13%4.63%Sep 14, 2026: 4.13% APYSep 14, 2026Oct 12, 2026
Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
48 Month Business CD
$2,500
4.00% ▲ 1.15% above Tennessee avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average2.85%▲ 1.15% 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%
3.00%3.75%4.50%Sep 19, 2026: 3.50% APYOct 7, 2026: 4.00% APYSep 19, 2026Oct 12, 2026
  • Oct 7, 20264.00%▲ from 3.50%
  • Sep 19, 20263.50%first recorded
Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
48 Months CD
$2,500
4.00% ▲ 1.15% above Tennessee avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average2.85%▲ 1.15% above avgNationally 2.81%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 12, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
3 - 4 Year Business Investment Certificate
$1,000
4.00% ▲ 1.15% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.85%▲ 1.15% above avgNationally 2.81%
Details

Term: 3 to 4 Years (1,095 to 1,460 days); Jumbo APY ($100k Minimum): 4.05%; Jumbo Dividend Rate ($100k minimum): 3.98%; Early Withdrawal Penalty: 240 Days' Dividends

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 12, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
3 - 4 Year Investment Certificate
$1,000
4.00% ▲ 1.15% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.85%▲ 1.15% above avgNationally 2.81%
Details

Term: 3 to 4 Years (1,095 to 1,460 days); Jumbo APY ($100k Minimum): 4.05%; Jumbo Dividend Rate ($100k minimum): 3.98%; Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 12, 2026
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
48 Month Regular, Business and / or IRA Share Certificate
$1,000
3.97% ▲ 1.12% above Tennessee avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average2.85%▲ 1.12% above avgNationally 2.81%
Details

Rate History
1 change since Sep 20, 2026 · 3.92% → 3.97% ▲ 0.05 pts · high 3.97% / low 3.92%
3.42%3.95%4.47%Sep 20, 2026: 3.92% APYOct 4, 2026: 3.97% APYSep 20, 2026Oct 12, 2026
  • Oct 4, 20263.97%▲ from 3.92%
  • Sep 20, 20263.92%first recorded
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
Regular, Business and / or IRA Share Certificate - 48 Months
$1,000
3.97% ▲ 1.12% above Tennessee avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average2.85%▲ 1.12% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.97% APY
3.47%3.97%4.47%Oct 8, 2026: 3.97% APYOct 8, 2026Oct 12, 2026
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
48 Month Certificate Account
$0
3.95% ▲ 1.10% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.85%▲ 1.10% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70%
3.20%3.83%4.45%Sep 14, 2026: 3.70% APYOct 1, 2026: 3.95% APYSep 14, 2026Oct 12, 2026
  • Oct 1, 20263.95%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 48 Months Fixed
$0
3.85% ▲ 1.00% above Tennessee avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average2.85%▲ 1.00% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65%
3.15%3.75%4.35%Sep 14, 2026: 3.65% APYSep 18, 2026: 3.75% APYOct 4, 2026: 3.85% APYSep 14, 2026Oct 12, 2026
  • Oct 4, 20263.85%▲ from 3.75%
  • Sep 18, 20263.75%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Traditional IRA and Roth IRA Certificate 48 Months Fixed
$0
3.85% ▲ 1.00% above Tennessee avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average2.85%▲ 1.00% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65%
3.15%3.75%4.35%Sep 14, 2026: 3.65% APYSep 18, 2026: 3.75% APYOct 4, 2026: 3.85% APYSep 14, 2026Oct 12, 2026
  • Oct 4, 20263.85%▲ from 3.75%
  • Sep 18, 20263.75%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
4 Year Share Certificate
$1,000
3.82% ▲ 0.97% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.85%▲ 0.97% above avgNationally 2.81%
Details

Balance: $1,000-$74,999

Rate History
1 change since Sep 21, 2026 · 3.55% → 3.82% ▲ 0.27 pts · high 3.82% / low 3.55%
3.05%3.69%4.32%Sep 21, 2026: 3.55% APYOct 9, 2026: 3.82% APYSep 21, 2026Oct 12, 2026
  • Oct 9, 20263.82%▲ from 3.55%
  • Sep 21, 20263.55%first recorded
New South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
48 Month Certificate
$0
3.80% ▲ 0.95% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.85%▲ 0.95% above avgNationally 2.81%
Details

Rate History
1 change since Sep 21, 2026 · 3.25% → 3.80% ▲ 0.55 pts · high 3.80% / low 3.25%
2.70%3.53%4.35%Sep 21, 2026: 3.25% APYOct 9, 2026: 3.80% APYSep 21, 2026Oct 12, 2026
  • Oct 9, 20263.80%▲ from 3.25%
  • Sep 21, 20263.25%first recorded
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
48 Month Certificate of Deposit
$0
3.75% ▲ 0.90% above Tennessee avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.85%▲ 0.90% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 8, 2026: 3.75% APYOct 8, 2026Oct 12, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Member's Choice Share Certificate - 48 Months Fixed
$0
3.75% ▲ 0.90% above Tennessee avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average2.85%▲ 0.90% above avgNationally 2.81%
Details

Rate History
2 changes since Sep 14, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
3.05%3.65%4.25%Sep 14, 2026: 3.55% APYSep 18, 2026: 3.65% APYOct 4, 2026: 3.75% APYSep 14, 2026Oct 12, 2026
  • Oct 4, 20263.75%▲ from 3.65%
  • Sep 18, 20263.65%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
48 Month Certificate
$0
3.75% ▲ 0.90% above Tennessee avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.85%▲ 0.90% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.75% ▲ 0.35 pts · high 3.75% / low 3.40%
2.90%3.58%4.25%Sep 14, 2026: 3.40% APYOct 5, 2026: 3.75% APYSep 14, 2026Oct 12, 2026
  • Oct 5, 20263.75%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
48 Month Share Certificate
$1,000
3.60% ▲ 0.75% above Tennessee avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average2.85%▲ 0.75% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 12, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
4 Year Fixed IRA
$1,000
3.55% ▲ 0.70% above Tennessee avg
View
▼
Rate3.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.85%▲ 0.70% above avgNationally 2.81%
Details

Rate History
No change since Sep 25, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 25, 2026: 3.55% APYSep 25, 2026Oct 12, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
4 Year Certificate
$1,000
3.50% ▲ 0.65% above Tennessee avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.85%▲ 0.65% above avgNationally 2.81%
Details

Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 12, 2026
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
48 Month Share Certificate
$1,000
3.50% ▲ 0.65% above Tennessee avg
View
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.85%▲ 0.65% above avgNationally 2.81%
Details

IRA Certificates subject to minimum 6 month term and $1,000 minimum deposit

Rate History
No change since Oct 12, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 12, 2026: 3.50% APYOct 12, 2026Oct 12, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
48 Month IRA Certificate
$0
3.50% ▲ 0.65% above Tennessee avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Tennessee Average2.85%▲ 0.65% above avgNationally 2.81%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 12, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.54%
48 Month Share Certificates
$0
3.50% ▲ 0.65% above Tennessee avg
View
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedSep 29, 2026
Tennessee Average2.85%▲ 0.65% above avgNationally 2.81%
Details

Rate History
No change since Sep 29, 2026 · 3.50% APY
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 12, 2026
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
Share Certificate (CD) - 48 month
$0
3.50% ▲ 0.65% above Tennessee avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.85%▲ 0.65% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 9, 2026: 3.50% APYOct 9, 2026Oct 12, 2026
Greater Eastern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.62%
48 Month Certificate
$0
3.50% ▲ 0.65% above Tennessee avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.85%▲ 0.65% above avgNationally 2.81%
Details

Frequency of Compounding: Quarterly

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 12, 2026
VirtualBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.76%
48 Month Certificate
$0
3.41% ▲ 0.56% above Tennessee avg
View
▼
Rate3.35%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average2.85%▲ 0.56% above avgNationally 2.81%
Details

Rate History
No change since Sep 24, 2026 · 3.41% APY · checked 5 times
2.91%3.41%3.91%Sep 24, 2026: 3.41% APYSep 24, 2026Oct 12, 2026
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
48 Month Jumbo Certificate
$250,000
3.39% ▲ 0.54% above Tennessee avg
View
▼
Rate3.35%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.85%▲ 0.54% above avgNationally 2.81%
Details

Effective 10/9/26 - 10/15/26

Rate History
No change since Sep 14, 2026 · 3.39% APY · checked 4 times
2.89%3.39%3.89%Sep 14, 2026: 3.39% APYSep 14, 2026Oct 12, 2026
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
48 Month IRA Certificate
$500
3.29% ▲ 0.44% above Tennessee avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.85%▲ 0.44% above avgNationally 2.81%
Details

Effective 10/9/26 - 10/15/26

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 4 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 12, 2026
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
48 Month Standard Certificate
$500
3.29% ▲ 0.44% above Tennessee avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.85%▲ 0.44% above avgNationally 2.81%
Details

Effective 10/9/26 - 10/15/26

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 5 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 12, 2026
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
48 Month Certificate
$0
3.29% ▲ 0.44% above Tennessee avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.85%▲ 0.44% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 6 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 12, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
48 Month Certificate
$500
3.25% ▲ 0.40% above Tennessee avg
View
▼
Rate3.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average2.85%▲ 0.40% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 2.90% → 3.25% ▲ 0.35 pts · high 3.25% / low 2.90%
2.40%3.08%3.75%Sep 14, 2026: 2.90% APYOct 7, 2026: 3.25% APYSep 14, 2026Oct 12, 2026
  • Oct 7, 20263.25%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
Altra Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
48 Month Certificate / IRA / Business Certificate
$1,000
3.25% ▲ 0.40% above Tennessee avg
View
▼
Rate3.21%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.85%▲ 0.40% above avgNationally 2.81%
Details

Rate History
No change since Oct 9, 2026 · 3.25% APY
2.75%3.25%3.75%Oct 9, 2026: 3.25% APYOct 9, 2026Oct 12, 2026
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
4 Year Certificate
$500
3.25% ▲ 0.40% above Tennessee avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.85%▲ 0.40% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 6 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 12, 2026
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
48 Month Share Certificate Dividends
$0
3.03% ▲ 0.18% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.85%▲ 0.18% above avgNationally 2.81%
Details

Rate History
No change since Sep 22, 2026 · 3.03% APY · checked 4 times
2.53%3.03%3.53%Sep 22, 2026: 3.03% APYSep 22, 2026Oct 12, 2026
Parthenon Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.11%
4 Year Certificate
$500
3.00% ▲ 0.15% above Tennessee avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average2.85%▲ 0.15% above avgNationally 2.81%
Details

A penalty will be applied for early withdrawal. Payday Certificates are available. Minimum deposit is $100.00 and a total monthly deposit of $100.00 is required through payroll deduction. Rates subject to change at any time.

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 12, 2026
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
48 Month Share Certificate
$0
3.00% ▲ 0.15% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.85%▲ 0.15% above avgNationally 2.81%
Details

Dividends Paid at Maturity; Under $50,000

Rate History
No change since Sep 17, 2026 · 3.00% APY · checked 7 times
2.50%3.00%3.50%Sep 17, 2026: 3.00% APYSep 17, 2026Oct 12, 2026
TNConnect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
Tailored Certificate - 48 month
$0
3.00% ▲ 0.15% above Tennessee avg
View
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.85%▲ 0.15% above avgNationally 2.81%
Details

Rate History
No change since Sep 22, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 22, 2026: 3.00% APYSep 22, 2026Oct 12, 2026
Beacon Financial Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.56%
48 Months Certificate
$1,000
3.00% ▲ 0.15% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.85%▲ 0.15% above avgNationally 2.81%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 12, 2026
Resound Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
48-Month Certificate
$0
3.00% ▲ 0.15% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.85%▲ 0.15% above avgNationally 2.81%
Details

Balance: $500 to $24,999

Rate History
1 change since Sep 14, 2026 · 4.10% → 3.00% ▼ 1.10 pts · high 4.10% / low 3.00%
1.90%3.55%5.20%Sep 14, 2026: 4.10% APYOct 10, 2026: 3.00% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20263.00%▼ from 4.10%
  • Sep 14, 20264.10%first recorded
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
48 Month Certificate
$1,000
3.00% ▲ 0.15% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average2.85%▲ 0.15% above avgNationally 2.81%
Details

Rate History
1 change since Sep 14, 2026 · 2.75% → 3.00% ▲ 0.25 pts · high 3.00% / low 2.75%
2.25%2.88%3.50%Sep 14, 2026: 2.75% APYOct 10, 2026: 3.00% APYSep 14, 2026Oct 12, 2026
  • Oct 10, 20263.00%▲ from 2.75%
  • Sep 14, 20262.75%first recorded

South Carthage 60 Month CD Rates

Tennessee 60 Month CD Average3.04% APYNational 2.90%▲ 0.08% from last week
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
60 Month Jumbo Share Certificates (CDs)
$0
4.95% ▲ 1.91% above Tennessee avg
View
▼
Rate4.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.04%▲ 1.91% above avgNationally 2.90%
Details

Rate History
1 change since Sep 18, 2026 · 4.47% → 4.95% ▲ 0.48 pts · high 4.95% / low 4.47%
3.97%4.71%5.45%Sep 18, 2026: 4.47% APYOct 9, 2026: 4.95% APYSep 18, 2026Oct 12, 2026
  • Oct 9, 20264.95%▲ from 4.47%
  • Sep 18, 20264.47%first recorded
ORNL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
60-Month IRA PROMOTIONAL Certificate
$500
4.50% ▲ 1.46% above Tennessee avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.04%▲ 1.46% above avgNationally 2.90%
Details

IRA PROMOTIONAL

Rate History
1 change since Sep 18, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 18, 2026: 4.25% APYOct 6, 2026: 4.50% APYSep 18, 2026Oct 12, 2026
  • Oct 6, 20264.50%▲ from 4.25%
  • Sep 18, 20264.25%first recorded
ORNL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
60-Month PROMOTIONAL Certificate
$500
4.50% ▲ 1.46% above Tennessee avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.04%▲ 1.46% above avgNationally 2.90%
Details

PROMOTIONAL

Rate History
1 change since Sep 18, 2026 · 4.25% → 4.50% ▲ 0.25 pts · high 4.50% / low 4.25%
3.75%4.38%5.00%Sep 18, 2026: 4.25% APYOct 6, 2026: 4.50% APYSep 18, 2026Oct 12, 2026
  • Oct 6, 20264.50%▲ from 4.25%
  • Sep 18, 20264.25%first recorded
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
IRA 5 Year Certificate
$0
4.28% ▲ 1.24% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.04%▲ 1.24% above avgNationally 2.90%
Details

Jumbo IRA

Rate History
No change since Sep 14, 2026 · 4.28% APY · checked 6 times
3.78%4.28%4.78%Sep 14, 2026: 4.28% APYSep 14, 2026Oct 12, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Roth IRA 5 Year Certificate
$0
4.28% ▲ 1.24% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.04%▲ 1.24% above avgNationally 2.90%
Details

Jumbo IRA

Rate History
No change since Sep 14, 2026 · 4.28% APY · checked 6 times
3.78%4.28%4.78%Sep 14, 2026: 4.28% APYSep 14, 2026Oct 12, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
60 Month CD
$0
4.25% ▲ 1.21% above Tennessee avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average3.04%▲ 1.21% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 12, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
60 Month Certificate of Deposit
$1,000
4.25% ▲ 1.21% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average3.04%▲ 1.21% above avgNationally 2.90%
Details

Guaranteed rate of return with flexible terms. All rates are Annual Percentage Yields.

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 12, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
60-Month IRA
$1,000
4.25% ▲ 1.21% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average3.04%▲ 1.21% above avgNationally 2.90%
Details

Set aside money for retirement with our flexible CD options. All rates are Annual Percentage Yields.

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 12, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 60-Month
$1,000
4.25% ▲ 1.21% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average3.04%▲ 1.21% above avgNationally 2.90%
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%
3.25%4.00%4.75%Sep 14, 2026: 3.75% APYOct 7, 2026: 4.25% APYSep 14, 2026Oct 12, 2026
  • Oct 7, 20264.25%▲ from 3.75%
  • Sep 14, 20263.75%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 60 Months Fixed
$0
4.23% ▲ 1.19% above Tennessee avg
View
▼
Rate4.15%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average3.04%▲ 1.19% above avgNationally 2.90%
Details

Rate History
2 changes since Sep 14, 2026 · 4.02% → 4.23% ▲ 0.21 pts · high 4.23% / low 4.02%
3.52%4.13%4.73%Sep 14, 2026: 4.02% APYSep 18, 2026: 4.13% APYOct 4, 2026: 4.23% APYSep 14, 2026Oct 12, 2026
  • Oct 4, 20264.23%▲ from 4.13%
  • Sep 18, 20264.13%▲ from 4.02%
  • Sep 14, 20264.02%first recorded
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
5 Year Certificate
$0
4.23% ▲ 1.19% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.04%▲ 1.19% above avgNationally 2.90%
Details

Jumbo Certificate

Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 2 times
3.73%4.23%4.73%Sep 14, 2026: 4.23% APYSep 14, 2026Oct 12, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
IRA 5 Year Certificate
$0
4.23% ▲ 1.19% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.04%▲ 1.19% above avgNationally 2.90%
Details

Regular IRA

Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 6 times
3.73%4.23%4.73%Sep 14, 2026: 4.23% APYSep 14, 2026Oct 12, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Roth IRA 5 Year Certificate
$0
4.23% ▲ 1.19% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.04%▲ 1.19% above avgNationally 2.90%
Details

Regular IRA

Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 6 times
3.73%4.23%4.73%Sep 14, 2026: 4.23% APYSep 14, 2026Oct 12, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
5 Year Certificate
$0
4.18% ▲ 1.14% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.04%▲ 1.14% above avgNationally 2.90%
Details

Regular Certificate

Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 2 times
3.68%4.18%4.68%Sep 14, 2026: 4.18% APYSep 14, 2026Oct 12, 2026
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
60 Month CERTIFICATE ACCOUNTS/BUSINESS CERTIFICATE ACCOUNTS
$0
4.15% ▲ 1.11% above Tennessee avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 1, 2026
Tennessee Average3.04%▲ 1.11% above avgNationally 2.90%
Details

Add 0.25% to current dividend certificate rate with at least $10,000 new money OR with direct deposit. Ask for details.

Rate History
1 change since Sep 18, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90%
3.40%4.03%4.65%Sep 18, 2026: 3.90% APYSep 27, 2026: 4.15% APYSep 18, 2026Oct 12, 2026
  • Sep 27, 20264.15%▲ from 3.90%
  • Sep 18, 20263.90%first recorded
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Business IRA Certificate Accounts - 60 Months
$0
4.15% ▲ 1.11% above Tennessee avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 1, 2026
Tennessee Average3.04%▲ 1.11% above avgNationally 2.90%
Details

IRA Certificate Accounts; Dividends can be added back to the account, transferred to another Knoxville TVA Employees Credit Union account, or mailed to you each month. Annual Percentage Yield applies when the dividend is reinvested in the account. Certificate Accounts (other than Educational Savings) can be designated as an Individual Retirement Account (IRA) or Health Savings Account (HSA). Talk to a financial advisor regarding individual scenarios. Add 0.25% to current dividend certificate rate with at least $10,000 new money OR with direct deposit. Ask for details.

Rate History
1 change since Sep 14, 2026 · 3.90% → 4.15% ▲ 0.25 pts · high 4.15% / low 3.90%
3.40%4.03%4.65%Sep 14, 2026: 3.90% APYSep 27, 2026: 4.15% APYSep 14, 2026Oct 12, 2026
  • Sep 27, 20264.15%▲ from 3.90%
  • Sep 14, 20263.90%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 5 Year
$0
4.10% ▲ 1.06% above Tennessee avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.04%▲ 1.06% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 14, 2026: 4.10% APYSep 14, 2026Oct 12, 2026
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
60 Month Regular, Business and / or IRA Share Certificate
$1,000
4.07% ▲ 1.03% above Tennessee avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average3.04%▲ 1.03% above avgNationally 2.90%
Details

Rate History
1 change since Sep 20, 2026 · 3.97% → 4.07% ▲ 0.10 pts · high 4.07% / low 3.97%
3.47%4.02%4.57%Sep 20, 2026: 3.97% APYOct 4, 2026: 4.07% APYSep 20, 2026Oct 12, 2026
  • Oct 4, 20264.07%▲ from 3.97%
  • Sep 20, 20263.97%first recorded
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
Regular, Business and / or IRA Share Certificate - 60 Months
$1,000
4.07% ▲ 1.03% above Tennessee avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average3.04%▲ 1.03% above avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 4.07% APY
3.57%4.07%4.57%Oct 8, 2026: 4.07% APYOct 8, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 5 Year
$0
4.05% ▲ 1.01% above Tennessee avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.04%▲ 1.01% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.05% APY · checked 5 times
3.55%4.05%4.55%Sep 14, 2026: 4.05% APYSep 14, 2026Oct 12, 2026
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
60 Month Certificate Account
$0
4.05% ▲ 1.01% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.04%▲ 1.01% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.80% → 4.05% ▲ 0.25 pts · high 4.05% / low 3.80%
3.30%3.93%4.55%Sep 14, 2026: 3.80% APYOct 1, 2026: 4.05% APYSep 14, 2026Oct 12, 2026
  • Oct 1, 20264.05%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
60 Month Business CD
$2,500
4.00% ▲ 0.96% above Tennessee avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average3.04%▲ 0.96% above avgNationally 2.90%
Details

Rate History
1 change since Sep 19, 2026 · 3.50% → 4.00% ▲ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 19, 2026: 3.50% APYOct 7, 2026: 4.00% APYSep 19, 2026Oct 12, 2026
  • Oct 7, 20264.00%▲ from 3.50%
  • Sep 19, 20263.50%first recorded
Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
60 Months CD
$2,500
4.00% ▲ 0.96% above Tennessee avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 7, 2026
Tennessee Average3.04%▲ 0.96% above avgNationally 2.90%
Details

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Business Share Certificates
$0
4.00% ▲ 0.96% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.04%▲ 0.96% above avgNationally 2.90%
Details

Balance: $100,000

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Retirement Liquid Share Certificates
$0
4.00% ▲ 0.96% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.04%▲ 0.96% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 9 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 5 Year
$100,000
4.00% ▲ 0.96% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.04%▲ 0.96% above avgNationally 2.90%
Details

Rate History
No change since Oct 9, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 9, 2026: 4.00% APYOct 9, 2026Oct 12, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
4 - 5 Year Business Investment Certificate
$1,000
4.00% ▲ 0.96% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.04%▲ 0.96% above avgNationally 2.90%
Details

Term: 4 to 5 Years (1,461 to 1,825 days); Jumbo APY ($100k Minimum): 4.05%; Jumbo Dividend Rate ($100k minimum): 3.98%; Early Withdrawal Penalty: 240 Days' Dividends

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 12, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
4 - 5 Year Investment Certificate
$1,000
4.00% ▲ 0.96% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.04%▲ 0.96% above avgNationally 2.90%
Details

Term: 4 to 5 Years (1,461 to 1,825 days); Jumbo APY ($100k Minimum): 4.05%; Jumbo Dividend Rate ($100k minimum): 3.98%; Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 12, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
5 Year Business Investment Certificate
$1,000
4.00% ▲ 0.96% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.04%▲ 0.96% above avgNationally 2.90%
Details

Term: 5 Years (1,826 to 2,190 days); Jumbo APY ($100k Minimum): 4.05%; Jumbo Dividend Rate ($100k minimum): 3.98%; Early Withdrawal Penalty: 240 Days' Dividends

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 12, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
5 Year Investment Certificate
$1,000
4.00% ▲ 0.96% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.04%▲ 0.96% above avgNationally 2.90%
Details

Term: 5 Years (1,826 to 2,190 days); Jumbo APY ($100k Minimum): 4.05%; Jumbo Dividend Rate ($100k minimum): 3.98%; Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 12, 2026
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
5 Year Share Certificate
$1,000
3.98% ▲ 0.94% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.04%▲ 0.94% above avgNationally 2.90%
Details

Balance: $1,000-$74,999

Rate History
1 change since Sep 21, 2026 · 3.75% → 3.98% ▲ 0.23 pts · high 3.98% / low 3.75%
3.25%3.87%4.48%Sep 21, 2026: 3.75% APYOct 9, 2026: 3.98% APYSep 21, 2026Oct 12, 2026
  • Oct 9, 20263.98%▲ from 3.75%
  • Sep 21, 20263.75%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Business Share Certificates
$0
3.95% ▲ 0.91% above Tennessee avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.04%▲ 0.91% above avgNationally 2.90%
Details

Balance: $50,000

Rate History
No change since Sep 14, 2026 · 3.95% APY · checked 9 times
3.45%3.95%4.45%Sep 14, 2026: 3.95% APYSep 14, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 5 Year
$50,000
3.95% ▲ 0.91% above Tennessee avg
View
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.04%▲ 0.91% above avgNationally 2.90%
Details

Rate History
No change since Oct 9, 2026 · 3.95% APY · checked 3 times
3.45%3.95%4.45%Oct 9, 2026: 3.95% APYOct 9, 2026Oct 12, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 60 Months Fixed
$0
3.91% ▲ 0.87% above Tennessee avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average3.04%▲ 0.87% above avgNationally 2.90%
Details

Rate History
2 changes since Sep 14, 2026 · 3.70% → 3.91% ▲ 0.21 pts · high 3.91% / low 3.70%
3.20%3.81%4.41%Sep 14, 2026: 3.70% APYSep 18, 2026: 3.80% APYOct 4, 2026: 3.91% APYSep 14, 2026Oct 12, 2026
  • Oct 4, 20263.91%▲ from 3.80%
  • Sep 18, 20263.80%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Traditional IRA and Roth IRA Certificate 60 Months Fixed
$0
3.91% ▲ 0.87% above Tennessee avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average3.04%▲ 0.87% above avgNationally 2.90%
Details

Rate History
2 changes since Sep 14, 2026 · 3.70% → 3.91% ▲ 0.21 pts · high 3.91% / low 3.70%
3.20%3.81%4.41%Sep 14, 2026: 3.70% APYSep 18, 2026: 3.80% APYOct 4, 2026: 3.91% APYSep 14, 2026Oct 12, 2026
  • Oct 4, 20263.91%▲ from 3.80%
  • Sep 18, 20263.80%▲ from 3.70%
  • Sep 14, 20263.70%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$100,000
3.90% ▲ 0.86% above Tennessee avg
View
▼
RateN/A
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.04%▲ 0.86% above avgNationally 2.90%
Details

Balance: $100,000 and over; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Business Share Certificates
$0
3.90% ▲ 0.86% above Tennessee avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.04%▲ 0.86% above avgNationally 2.90%
Details

Balance: $1,000

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 9 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 12, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Traditional/Roth IRA Certificate - 5 Year
$1,000
3.90% ▲ 0.86% above Tennessee avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.04%▲ 0.86% above avgNationally 2.90%
Details

Rate History
No change since Oct 9, 2026 · 3.90% APY · checked 3 times
3.40%3.90%4.40%Oct 9, 2026: 3.90% APYOct 9, 2026Oct 12, 2026
New South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
60 Month Certificate
$0
3.90% ▲ 0.86% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.04%▲ 0.86% above avgNationally 2.90%
Details

Rate History
1 change since Sep 21, 2026 · 3.50% → 3.90% ▲ 0.40 pts · high 3.90% / low 3.50%
3.00%3.70%4.40%Sep 21, 2026: 3.50% APYOct 9, 2026: 3.90% APYSep 21, 2026Oct 12, 2026
  • Oct 9, 20263.90%▲ from 3.50%
  • Sep 21, 20263.50%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$1,000
3.85% ▲ 0.81% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 10, 2026
Tennessee Average3.04%▲ 0.81% above avgNationally 2.90%
Details

Balance: $1,000 - $19,999.99; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 12, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Member's Choice Share Certificate - 60 Months Fixed
$0
3.80% ▲ 0.76% above Tennessee avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average3.04%▲ 0.76% above avgNationally 2.90%
Details

Rate History
2 changes since Sep 14, 2026 · 3.60% → 3.80% ▲ 0.20 pts · high 3.80% / low 3.60%
3.10%3.70%4.30%Sep 14, 2026: 3.60% APYSep 18, 2026: 3.70% APYOct 4, 2026: 3.80% APYSep 14, 2026Oct 12, 2026
  • Oct 4, 20263.80%▲ from 3.70%
  • Sep 18, 20263.70%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
60 Month Certificate of Deposit
$0
3.75% ▲ 0.71% above Tennessee avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.04%▲ 0.71% above avgNationally 2.90%
Details

Rate History
No change since Oct 8, 2026 · 3.75% APY · checked 2 times
3.25%3.75%4.25%Oct 8, 2026: 3.75% APYOct 8, 2026Oct 12, 2026
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
60 Month Certificate
$0
3.75% ▲ 0.71% above Tennessee avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.04%▲ 0.71% above avgNationally 2.90%
Details

Rate History
1 change since Sep 14, 2026 · 3.40% → 3.75% ▲ 0.35 pts · high 3.75% / low 3.40%
2.90%3.58%4.25%Sep 14, 2026: 3.40% APYOct 5, 2026: 3.75% APYSep 14, 2026Oct 12, 2026
  • Oct 5, 20263.75%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
60 Month Jumbo Certificate
$250,000
3.65% ▲ 0.61% above Tennessee avg
View
▼
Rate3.60%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.04%▲ 0.61% above avgNationally 2.90%
Details

Effective 10/9/26 - 10/15/26

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 4 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 12, 2026
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
60 Month Share Certificate
$1,000
3.60% ▲ 0.56% above Tennessee avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 8, 2026
Tennessee Average3.04%▲ 0.56% above avgNationally 2.90%
Details

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 3 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 12, 2026
First Choice Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.44%
60 Month Share Certificate
$1,000
3.56% ▲ 0.52% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.04%▲ 0.52% above avgNationally 2.90%
Details

Rate History
No change since Sep 18, 2026 · 3.56% APY · checked 6 times
3.06%3.56%4.06%Sep 18, 2026: 3.56% APYSep 18, 2026Oct 12, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
5 Year Fixed IRA
$1,000
3.55% ▲ 0.51% above Tennessee avg
View
▼
Rate3.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.04%▲ 0.51% above avgNationally 2.90%
Details

Rate History
No change since Sep 25, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 25, 2026: 3.55% APYSep 25, 2026Oct 12, 2026
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
60 Month IRA Certificate
$500
3.55% ▲ 0.51% above Tennessee avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.04%▲ 0.51% above avgNationally 2.90%
Details

Effective 10/9/26 - 10/15/26

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 12, 2026
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
60 Month Roth IRA Certificate
$500
3.55% ▲ 0.51% above Tennessee avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.04%▲ 0.51% above avgNationally 2.90%
Details

Effective 10/9/26 - 10/15/26

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 4 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 12, 2026
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
60 Month Standard Certificate
$500
3.55% ▲ 0.51% above Tennessee avg
View
▼
Rate3.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.04%▲ 0.51% above avgNationally 2.90%
Details

Effective 10/9/26 - 10/15/26

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 5 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 12, 2026
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.

Top CD Rates from South Carthage, Tennessee Institutions

Highest verified APYs available today, updated October 12, 2026

B Top 5 Bank Rates
Austin Capital Bank
3 Month CD
A+ 5.0 ★ TX: 2.96%
Min: $1,000
4.58%
SouthEast Bank
12-Month CD Special
A+ 5.0 ★ TX: 0.98%
Min: $1,000
4.35%
Finworth, a division of InsBank
2 Years Certificate
A+ 5.0 ★ TX: 2.15%
Min: $0
4.35%
Sonata Bank
12-month CD
A+ 5.0 ★ TX: 5.18%
Min: $0
4.27%
First National Bank of Pulaski
36 Month Certificate of Deposit
A+ 5.0 ★ TX: 2.25%
Min: $10,000
4.25%
CU Top 5 Credit Union Rates
Hope Federal Credit Union Jackson, MS
60 Month Jumbo Share Certificates (CDs)
A 5.0 ★ TX: 7.78%
Min: $0
4.95%
Y-12 Federal Credit Union
12 Month Business Share Certificate
A+ 5.0 ★ TX: 3.67%
Min: $0
4.75%
Tennessee Valley Federal Credit Union
12 Month Business Share Certificates
A+ 5.0 ★ TX: 3.70%
Min: $1,000
4.50%
ORNL Federal Credit Union
36-Month IRA PROMOTIONAL Certificate
A+ 5.0 ★ TX: 4.18%
Min: $500
4.50%
Navy Federal Credit Union
12 Month Special EasyStart Certificate
A 5.0 ★ TX: 8.14%
Min: $50
4.35%
Rates verified October 12, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
Powered byMonitorBankRates

South Carthage, TN CD Rate Trends

Compare local South Carthage, 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.

View Full Tennessee CD Trends
12-Month CD TN Avg
3.189%
▲ 0.018 vs 7 days ago

Tennessee 12-month CD rates rose 0.018 points over the past 7 days to 3.189% APY.

6-Month CD TN Avg
2.947%
▲ 0.007 vs 7 days ago

Tennessee 6-month CD rates rose 0.007 points over the past 7 days to 2.947% APY.

As of Oct 12, 2026 • Rate data sourced from 8,500+ monitored institutions

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
3.189%
6-Month Forecast
3.189%
Range: 2.99%, 3.34%
12-Month Forecast
3.439%
Range: 3.24%, 3.59%

Data inputs: The central forecast assumes the Federal Reserve holds the federal funds rate at its current level, with one 25 basis point increase priced into the later months, consistent with CME FedWatch and Federal Reserve dot-plot projections. A spread model maps the relationship between the fed funds rate and the Tennessee average 12-month CD APY in our database.

Spread model: The Tennessee 12-month CD average currently trades 1.19% below the fed funds midpoint. This spread is applied to the projected fed funds path to generate the central forecast.

Confidence bounds: Upper bound adds +0.15% (an additional Fed increase, deposit competition stays high). Lower bound subtracts 0.20% (the Fed stays on hold and competition eases).

Limitations: Model-based estimates only, not guarantees. Verify current rates directly with institutions before making financial decisions.

Powered by MonitorBankRates

What Your Savings Earn at TN CD Rates Today

Annual interest earnings at today’s Tennessee average APYs. State average used where available; national average as fallback.

CD Term TN Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 1.947% $97.33 $194.65 $486.63 $973.25
6-Month CD 2.947% $147.34 $294.68 $736.70 $1,473.40
12-Month CD 3.189% $159.44 $318.87 $797.18 $1,594.35
18-Month CD 2.995% $149.76 $299.51 $748.78 $1,497.55
24-Month CD 3.059% $152.95 $305.90 $764.75 $1,529.50
36-Month CD 2.887% $144.34 $288.68 $721.70 $1,443.40
48-Month CD 2.848% $142.41 $284.81 $712.03 $1,424.05
60-Month CD 3.037% $151.85 $303.69 $759.23 $1,518.45
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 12, 2026.
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Sample CD Ladder for South Carthage, 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.

Build Your Ladder
Rung Term Deposit TN Avg APY Annual Earnings
1 3-Month CD $5,000 1.947% $97.33
2 6-Month CD $5,000 2.947% $147.34
3 12-Month CD $5,000 3.189% $159.44
4 24-Month CD $5,000 3.059% $152.95
5 36-Month CD $5,000 2.887% $144.34
Total ($25,000 invested) $25,000 2.806% blended $701.40/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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1,125
CD Rates
Tracked in South Carthage, Tennessee
29 Banks 79 Credit Unions

About Our South Carthage, Tennessee CD Rate Database

MonitorBankRates tracks 1,125 CD rates from 29 banks and 79 credit unions with locations in South Carthage, Tennessee, plus national online institutions available to Tennessee residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: Hope Federal Credit Union Jackson, MS offers a CD at 4.95% APY with a minimum deposit of $0. Use the rate table above to compare all current offers in South Carthage, Tennessee.

How to Find the Best CD Rates in South Carthage, Tennessee

What to compare when shopping for a CD in South Carthage, Tennessee

To find the best APYs in South Carthage, Tennessee, start with credit unions and online-only banks: South Carthage, Tennessee has 79 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 South Carthage, 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 South Carthage, Tennessee: 108 institutions here report CD rates

Consider an Alternative If…

South Carthage, Tennessee Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024

Population 65+
12.1%
National avg: 17.3%
Median Individual Earnings
$38,894
National avg: $47,340
Poverty Rate
17.2%
National avg: 11.1%
Unemployment Rate
3.0%
National avg: 4.8%
CD Earnings on 10% of Salary
$124/yr
At TN 12-mo avg 3.189% APY

12.1% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 3.0% reflects a strong local economy. At today’s TN 12-month CD average of 3.189%, saving 10% of the local median salary ($3,889/year) and putting it in a CD would earn an additional $124 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 South Carthage, 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

How Certificates of Deposit Work in South Carthage, 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 South Carthage, 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 South Carthage, Tennessee as everywhere in the U.S.

Choosing a CD Term in South Carthage, 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 South Carthage, Tennessee savers easier access to their funds. For example, Y-12 Federal Credit Union is offering its 6 Month Business Share Certificate at 4.75% APY. Longer terms such as three or five years usually pay higher rates. On the longer end, Hope Federal Credit Union Jackson, MS is offering its 60 Month Jumbo Share Certificates (CDs) at 4.95% APY. When a CD matures, the depositor can withdraw the principal and interest or roll the balance into a new term, so it helps to match the term to when the money will actually be needed.

CD Risk and Safety for South Carthage, 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 South Carthage, 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 South Carthage, 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 South Carthage, 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 South Carthage, Tennessee

Most CDs carry a fixed rate that is locked for the entire term, protecting a South Carthage, 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 South Carthage, Tennessee

Are CD rates in South Carthage, Tennessee FDIC insured?

Yes, most established banks in South Carthage, 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 South Carthage, 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 South Carthage, 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 South Carthage, 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 South Carthage, Tennessee?

Here are recent top rates found for this area:
  • Hope Federal Credit Union Jackson, MS: 4.95% APY (60 Month Jumbo Share Certificates (CDs))
  • Y-12 Federal Credit Union: 4.75% APY (12 Month Business Share Certificate)
  • Austin Capital Bank: 4.58% APY (3 Month CD)
  • Tennessee Valley Federal Credit Union: 4.50% APY (12 Month Business Share Certificates)
  • ORNL Federal Credit Union: 4.50% APY (36-Month IRA PROMOTIONAL Certificate)
  • Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
  • SouthEast Bank: 4.35% APY (12-Month CD Special)
  • Finworth, a division of InsBank: 4.35% APY (2 Years Certificate)
  • Collegedale Credit Union: 4.33% APY (Term Share Certificates - 6 Months)
  • Holley Credit Union: 4.32% APY (24 Month Share Certificate)
Rates reflect recent verified offers available in South Carthage, Tennessee. Last Updated: October 12, 2026

South Carthage, 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 South Carthage, 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.

Top South Carthage, Tennessee CD Rates by Term

Verified October 12, 2026 · click a rate to use its term and APY
Highest verified APY per term available in South Carthage, Tennessee. Averages shown use the Tennessee state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for South Carthage, Tennessee

South Carthage, Tennessee CD Calculator

At today’s TN top rate of 4.95% APY, a $10,000 deposit earns $495 in the first year. Enter your amount to see your exact return.

South Carthage, Tennessee CD Ladder

TN CD rates currently range from 1.947% (3-month) to 2.887% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a South Carthage, Tennessee CD at 4.95% APY, know your exit cost. Most institutions charge 90 to 180 days of interest. Calculate your real net return if you need early access.

CD vs. High-Yield Savings

Tennessee’s average 12-month CD is 3.189% 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 South Carthage, 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 South Carthage, 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 South Carthage, 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 12, 2026

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