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CD Rate Trends

Woodlawn, 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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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 14, 2026

Woodlawn, Tennessee CD rates from banks and credit unions serving Tennessee range from 0.01% to 4.95% APY, verified by MonitorBankRates as of October 14, 2026. Current Woodlawn, 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 Share Certificates (CDs) - Jumbo 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 Certificates PROMO 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 14, 2026 according to verified data from MonitorBankRates.

Woodlawn is a smaller community with no bank or credit union branches currently in our database. 744 institutions serving the Tennessee area are available to Woodlawn 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 14, 2026

Compare Best CD Rates in Woodlawn, Tennessee & the Surrounding Area

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Woodlawn 3 Month CD Rates

Tennessee 3 Month CD Average1.92% APYNational 2.09%▼ 0.06% 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% ▲ 2.66% above Tennessee avg
View
▼
Rate4.50%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average1.92%▲ 2.66% above avgNationally 2.09%
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 14, 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
$1,000
4.00% ▲ 2.08% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average1.92%▲ 2.08% above avgNationally 2.09%
Details

Paid monthly

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 14, 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 Day Certificate of Deposit
$50,000
3.95% ▲ 2.03% above Tennessee avg
View
▼
Rate3.89%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average1.92%▲ 2.03% above avgNationally 2.09%
Details

Minimum deposit $50,000; maximum $240,000; APY accurate as of 10-07-2026

Rate History
No change since Oct 2, 2026 · 3.95% APY · checked 2 times
3.45%3.95%4.45%Oct 2, 2026: 3.95% APYOct 2, 2026Oct 14, 2026
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
3 Month Share Certificate
$1,000
3.87% ▲ 1.95% above Tennessee avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average1.92%▲ 1.95% above avgNationally 2.09%
Details

Rates effective as of 01/27/2026

Rate History
No change since Oct 13, 2026 · 3.87% APY
3.37%3.87%4.37%Oct 13, 2026: 3.87% APYOct 13, 2026Oct 14, 2026
TNConnect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
3 Month Tailored Certificate
$1,000
3.75% ▲ 1.83% above Tennessee avg
View
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average1.92%▲ 1.83% above avgNationally 2.09%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
3 Month Share Certificate
$1,000
3.68% ▲ 1.76% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average1.92%▲ 1.76% above avgNationally 2.09%
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 14, 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% ▲ 1.74% above Tennessee avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average1.92%▲ 1.74% above avgNationally 2.09%
Details

Rate History
No change since Sep 20, 2026 · 3.66% APY · checked 4 times
3.16%3.66%4.16%Sep 20, 2026: 3.66% APYSep 20, 2026Oct 14, 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% ▲ 1.74% above Tennessee avg
View
▼
Rate3.60%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average1.92%▲ 1.74% above avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 3.66% APY · checked 2 times
3.16%3.66%4.16%Oct 8, 2026: 3.66% APYOct 8, 2026Oct 14, 2026
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
3 Month Share Certificate
$1,000
3.60% ▲ 1.68% above Tennessee avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average1.92%▲ 1.68% above avgNationally 2.09%
Details

Dividend credited monthly; Early withdrawal penalty: 30 days of dividends

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
Veritas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
Certificates - 3 Months
$500
3.55% ▲ 1.63% above Tennessee avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average1.92%▲ 1.63% above avgNationally 2.09%
Details

Quarterly dividends; early withdrawals subject to penalty

Rate History
No change since Sep 14, 2026 · 3.55% APY · checked 7 times
3.05%3.55%4.05%Sep 14, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
3 Month Certificate of Deposit
$0
3.50% ▲ 1.58% above Tennessee avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average1.92%▲ 1.58% above avgNationally 2.09%
Details

CD Term (Minimum Balance $500); Accurate as of 09/30/2026

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 8 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
CD - 3 months
$0
3.50% ▲ 1.58% above Tennessee avg
View
▼
Rate3.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average1.92%▲ 1.58% above avgNationally 2.09%
Details

Rate History
No change since Oct 2, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 2, 2026: 3.50% APYOct 2, 2026Oct 14, 2026
First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.58%
3 Month Certificate of Deposit
$0
3.29% ▲ 1.37% above Tennessee avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average1.92%▲ 1.37% above avgNationally 2.09%
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 14, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
3 Month Certificate (quarterly dividends)
$0
3.04% ▲ 1.12% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average1.92%▲ 1.12% above avgNationally 2.09%
Details

Jumbo Certificate; Balance: $100,000 or more

Rate History
No change since Oct 14, 2026 · 3.04% APY
2.54%3.04%3.54%Oct 14, 2026: 3.04% APYOct 14, 2026Oct 14, 2026
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
3 Month Share Certificate
$1,000
3.03% ▲ 1.11% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average1.92%▲ 1.11% above avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 3.03% APY · checked 2 times
2.53%3.03%3.53%Sep 18, 2026: 3.03% APYSep 18, 2026Oct 14, 2026
Resound Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.03%
3-Month Certificate
$0
3.00% ▲ 1.08% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average1.92%▲ 1.08% above avgNationally 2.09%
Details

Balance: $500 to $24,999

Rate History
No change since Oct 10, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 10, 2026: 3.00% APYOct 10, 2026Oct 14, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
3 Month Certificate (quarterly dividends)
$0
2.99% ▲ 1.07% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average1.92%▲ 1.07% above avgNationally 2.09%
Details

Regular Certificate; Balance: $500 - $99,999.99

Rate History
No change since Oct 14, 2026 · 2.99% APY
2.49%2.99%3.49%Oct 14, 2026: 2.99% APYOct 14, 2026Oct 14, 2026
City National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 5.55%
3 Month Personal CD
$0
2.78% ▲ 0.86% above Tennessee avg
View
▼
Rate2.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average1.92%▲ 0.86% above avgNationally 2.09%
Details

Term: 3 months (90 to 179 days)

Rate History
No change since Oct 14, 2026 · 2.78% APY
2.28%2.78%3.28%Oct 14, 2026: 2.78% APYOct 14, 2026Oct 14, 2026
Lawrence Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
3 Month CD/IRA
$0
2.52% ▲ 0.60% above Tennessee avg
View
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average1.92%▲ 0.60% above avgNationally 2.09%
Details

$1,000 minimum balance to obtain the APY; A penalty applies for early withdrawal

Rate History
No change since Oct 14, 2026 · 2.52% APY
2.02%2.52%3.02%Oct 14, 2026: 2.52% APYOct 14, 2026Oct 14, 2026
The Tennessee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
Classic Share Certificate - 3 Month
$500
2.25% ▲ 0.33% above Tennessee avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average1.92%▲ 0.33% above avgNationally 2.09%
Details

Dividends Paid: Monthly

Rate History
No change since Oct 5, 2026 · 2.25% APY · checked 3 times
1.75%2.25%2.75%Oct 5, 2026: 2.25% APYOct 5, 2026Oct 14, 2026
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
CDs (Certificates) and IRAs - 3 Months
$0
2.18% ▲ 0.26% above Tennessee avg
View
▼
Rate2.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average1.92%▲ 0.26% above avgNationally 2.09%
Details

Rate History
No change since Oct 14, 2026 · 2.18% APY
1.68%2.18%2.68%Oct 14, 2026: 2.18% APYOct 14, 2026Oct 14, 2026
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
1 - 3 Month CD
$1,000
2.03% ▲ 0.11% above Tennessee avg
View
▼
Rate2.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average1.92%▲ 0.11% above avgNationally 2.09%
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 14, 2026
First South Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.35%
Build IT CD - 3 Months
$0
1.64% ▼ 0.28% below Tennessee avg
View
▼
Rate1.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average1.92%▼ 0.28% below avgNationally 2.09%
Details

Balance: $100 to $999.99; Dividend Rate 1.64%; Balance over $999.99 rolls into regular CD of same term

Rate History
2 changes since Sep 14, 2026 · 1.35% → 1.64% ▲ 0.29 pts · high 1.64% / low 1.35%
0.85%1.49%2.14%Sep 14, 2026: 1.35% APYSep 27, 2026: 1.57% APYOct 14, 2026: 1.64% APYSep 14, 2026Oct 14, 2026
  • Oct 14, 20261.64%▲ from 1.57%
  • Sep 27, 20261.57%▲ from 1.35%
  • Sep 14, 20261.35%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.55% ▼ 0.37% below Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average1.92%▼ 0.37% below avgNationally 2.09%
Details

$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 1.55% APY
1.05%1.55%2.05%Oct 14, 2026: 1.55% APYOct 14, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 3 Months
$0
1.50% ▼ 0.42% below Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average1.92%▼ 0.42% below avgNationally 2.09%
Details

$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 1.50% APY
1.00%1.50%2.00%Oct 14, 2026: 1.50% APYOct 14, 2026Oct 14, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
3 Month Certificate
$1,000
1.25% ▼ 0.67% below Tennessee avg
View
▼
Rate1.24%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average1.92%▼ 0.67% below avgNationally 2.09%
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 14, 2026
The Tennessee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
3 Month Business Share Certificates
$500
1.25% ▼ 0.67% below Tennessee avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average1.92%▼ 0.67% below avgNationally 2.09%
Details

Dividends Paid: Monthly

Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 7 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Oct 14, 2026
Collegedale Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
Term Share Certificate - 3 Months
$0
1.06% ▼ 0.86% below Tennessee avg
View
▼
Rate1.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average1.92%▼ 0.86% below avgNationally 2.09%
Details

Rates effective September 18, 2026; Early withdrawal penalty applies

Rate History
No change since Oct 10, 2026 · 1.06% APY · checked 2 times
0.56%1.06%1.56%Oct 10, 2026: 1.06% APYOct 10, 2026Oct 14, 2026
First National Bank (AR)
Institution Rating:
A+5.0 ★Texas Ratio: 1.33%
All CD Offerings - 90 Day
$0
0.95% ▼ 0.97% below Tennessee avg
View
▼
Rate0.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average1.92%▼ 0.97% below avgNationally 2.09%
Details

Available as an I.R.A. account

Rate History
No change since Oct 14, 2026 · 0.95% APY
0.45%0.95%1.45%Oct 14, 2026: 0.95% APYOct 14, 2026Oct 14, 2026
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3 Month Share Certificate
$0
0.65% ▼ 1.27% below Tennessee avg
View
▼
Rate0.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average1.92%▼ 1.27% below avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 0.65% APY · checked 2 times
0.15%0.65%1.15%Oct 8, 2026: 0.65% APYOct 8, 2026Oct 14, 2026
FAA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3 Month Share Certificate
$0
0.55% ▼ 1.37% below Tennessee avg
View
▼
Rate0.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average1.92%▼ 1.37% below avgNationally 2.09%
Details

Rate History
No change since Oct 8, 2026 · 0.55% APY · checked 2 times
0.05%0.55%1.05%Oct 8, 2026: 0.55% APYOct 8, 2026Oct 14, 2026
Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.20%
Certificate - 3 Month
$500
0.50% ▼ 1.42% below Tennessee avg
View
▼
Rate0.50%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average1.92%▼ 1.42% below avgNationally 2.09%
Details

Rate History
No change since Oct 12, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 12, 2026: 0.50% APYOct 12, 2026Oct 14, 2026
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
90 Day Certificate
$500
0.50% ▼ 1.42% below Tennessee avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average1.92%▼ 1.42% below avgNationally 2.09%
Details

Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 18, 2026: 0.50% APYSep 18, 2026Oct 14, 2026
U T
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
3 Month Certificate
$0
0.45% ▼ 1.47% below Tennessee avg
View
▼
Rate0.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average1.92%▼ 1.47% below avgNationally 2.09%
Details

Balance: $1,000 - $9,999.99; Regular certificate; Early withdrawal may reduce dividends

Rate History
No change since Sep 14, 2026 · 0.45% APY · checked 6 times
0.00%0.48%0.95%Sep 14, 2026: 0.45% APYSep 14, 2026Oct 14, 2026
U T
Institution Rating:
A+5.0 ★Texas Ratio: 1.55%
Certificate - 3 Months
$0
0.45% ▼ 1.47% below Tennessee avg
View
▼
Rate0.45%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average1.92%▼ 1.47% below avgNationally 2.09%
Details

Balance: $1,000-$9,999

Rate History
No change since Sep 14, 2026 · 0.45% APY · checked 6 times
0.00%0.48%0.95%Sep 14, 2026: 0.45% APYSep 14, 2026Oct 14, 2026
Patriot Equity Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.49%
3 Month Share Certificate
$0
0.30% ▼ 1.62% below Tennessee avg
View
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average1.92%▼ 1.62% below avgNationally 2.09%
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 14, 2026
Leaders Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
3 Month Certificate
$1,000
0.30% ▼ 1.62% below Tennessee avg
View
▼
Rate0.30%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average1.92%▼ 1.62% below avgNationally 2.09%
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 14, 2026
Alcoa Tenn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.23%
3 Month Share Certificate
$1,000
0.25% ▼ 1.67% below Tennessee avg
View
▼
Rate0.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average1.92%▼ 1.67% below avgNationally 2.09%
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 14, 2026
Cleveland Bradley Cty Teacher Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
Term Share Certificate - 90 Day
$500
0.20% ▼ 1.72% below Tennessee avg
View
▼
Rate0.20%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average1.92%▼ 1.72% below avgNationally 2.09%
Details

Compounded: N/A; Loss of dividend penalty for early withdrawal.

Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 7 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 14, 2026
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
3 Month Certificate
$1,000
0.10% ▼ 1.82% below Tennessee avg
View
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average1.92%▼ 1.82% below avgNationally 2.09%
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 14, 2026
Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.43%
Certificates of Deposit (CDs) - 3 months
$1,000
0.10% ▼ 1.82% below Tennessee avg
View
▼
Rate0.10%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average1.92%▼ 1.82% below avgNationally 2.09%
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 14, 2026
EPB Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.26%
3-Month CD
$0
0.10% ▼ 1.82% below Tennessee avg
View
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average1.92%▼ 1.82% below avgNationally 2.09%
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 14, 2026
Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.24%
3 Month Share Certificate
$0
0.10% ▼ 1.82% below Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average1.92%▼ 1.82% below avgNationally 2.09%
Details

Penalty for early withdrawal may apply; no additional deposits allowed until end of term

Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 3 times
0.00%0.30%0.60%Sep 18, 2026: 0.10% APYSep 18, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3 month Standard Fixed Rate CD - Relationship
$2,500
0.06% ▼ 1.86% below Tennessee avg
View
▼
Rate0.06%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average1.92%▼ 1.86% below avgNationally 2.09%
Details

Relationship Interest Rate; Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only

Rate History
No change since Sep 27, 2026 · 0.06% APY · checked 3 times
0.00%0.28%0.56%Sep 27, 2026: 0.06% APYSep 27, 2026Oct 14, 2026
Wells Fargo
Institution Rating:
A+5.0 ★Texas Ratio: 5.36%
3 month Standard Fixed Rate CD
$2,500
0.05% ▼ 1.87% below Tennessee avg
View
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average1.92%▼ 1.87% below avgNationally 2.09%
Details

Balance: $0 - $4,999.99; Early withdrawal penalties may apply; California Bay Area counties branches only

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 14, 2026
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
3 Month Business Share Certificates
$0
0.05% ▼ 1.87% below Tennessee avg
View
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average1.92%▼ 1.87% below avgNationally 2.09%
Details

Balance: $100,000+

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3 Month Certificate of Deposit
$0
0.03% ▼ 1.89% below Tennessee avg
View
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average1.92%▼ 1.89% below avgNationally 2.09%
Details

Balance: $25,000.00 and above; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Oct 2, 2026: 0.03% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3 Month Certificate of Deposit
$0
0.02% ▼ 1.90% below Tennessee avg
View
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average1.92%▼ 1.90% below avgNationally 2.09%
Details

Balance: $1,000.00 - $24,999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Oct 2, 2026: 0.02% APYOct 2, 2026Oct 14, 2026
PNC Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.24%
3 Month Certificate of Deposit
$0
0.01% ▼ 1.91% below Tennessee avg
View
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average1.92%▼ 1.91% below avgNationally 2.09%
Details

Balance: $1.00 - $999.99; Standard Rates

Rate History
No change since Oct 2, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Oct 2, 2026: 0.01% APYOct 2, 2026Oct 14, 2026

Woodlawn 6 Month CD Rates

Tennessee 6 Month CD Average2.94% APYNational 2.77%▼ 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 Certificates PROMO
$50,000
4.75% ▲ 1.81% above Tennessee avg
View
▼
Rate4.65%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.94%▲ 1.81% above avgNationally 2.77%
Details

Promo; 25% of opening deposit must be new money; penalty for early withdrawal; at maturity converts to regular certificate

Rate History
No change since Oct 12, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 12, 2026: 4.75% APYOct 12, 2026Oct 14, 2026
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
6 Month Share Certificate PROMO
$0
4.75% ▲ 1.81% above Tennessee avg
View
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.94%▲ 1.81% above avgNationally 2.77%
Details

Rate History
No change since Oct 12, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 12, 2026: 4.75% APYOct 12, 2026Oct 14, 2026
Collegedale Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
Term Share Certificate - 6 Months
$0
4.33% ▲ 1.39% above Tennessee avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.94%▲ 1.39% above avgNationally 2.77%
Details

Rates effective September 18, 2026; Early withdrawal penalty applies

Rate History
No change since Oct 10, 2026 · 4.33% APY · checked 2 times
3.83%4.33%4.83%Oct 10, 2026: 4.33% APYOct 10, 2026Oct 14, 2026
Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6 Month CD
$1,000
4.30% ▲ 1.36% above Tennessee avg
View
▼
Rate4.25%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.94%▲ 1.36% above avgNationally 2.77%
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 14, 2026
  • Oct 7, 20264.30%▲ from 4.04%
  • Sep 14, 20264.04%first recorded
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
6 Month Business Share Certificates
$1,000
4.15% ▲ 1.21% above Tennessee avg
View
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.94%▲ 1.21% above avgNationally 2.77%
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 14, 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% ▲ 1.21% above Tennessee avg
View
▼
Rate4.11%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.94%▲ 1.21% above avgNationally 2.77%
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 14, 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 Month Certificate of Deposit
$50,000
4.15% ▲ 1.21% above Tennessee avg
View
▼
Rate4.11%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.94%▲ 1.21% above avgNationally 2.77%
Details

Minimum deposit $50,000; maximum $240,000; APY accurate as of 10-07-2026

Rate History
No change since Oct 2, 2026 · 4.15% APY · checked 2 times
3.65%4.15%4.65%Oct 2, 2026: 4.15% APYOct 2, 2026Oct 14, 2026
Memphis City Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.01%
6 Month CD
$1,000
4.06% ▲ 1.12% above Tennessee avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.94%▲ 1.12% above avgNationally 2.77%
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 14, 2026
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
Certificate - 6 Months
$0
4.06% ▲ 1.12% above Tennessee avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.94%▲ 1.12% above avgNationally 2.77%
Details

Dividend Rate: 4.00%; Penalty: 90 days' interest for early withdrawal

Rate History
No change since Sep 22, 2026 · 4.06% APY · checked 4 times
3.56%4.06%4.56%Sep 22, 2026: 4.06% APYSep 22, 2026Oct 14, 2026
SouthEast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
6-Month CD Special
$1,000
4.05% ▲ 1.11% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.94%▲ 1.11% above avgNationally 2.77%
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 14, 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 CD
$10,000
4.00% ▲ 1.06% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.94%▲ 1.06% above avgNationally 2.77%
Details

New money deposits required; $10,000 minimum opening deposit

Rate History
No change since Oct 14, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month CD
$0
4.00% ▲ 1.06% above Tennessee avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.94%▲ 1.06% above avgNationally 2.77%
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 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6 Month Certificate of Deposit
$1,000
4.00% ▲ 1.06% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.94%▲ 1.06% above avgNationally 2.77%
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 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
6-Month IRA
$1,000
4.00% ▲ 1.06% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.94%▲ 1.06% above avgNationally 2.77%
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 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 6-Month
$1,000
4.00% ▲ 1.06% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.94%▲ 1.06% above avgNationally 2.77%
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 14, 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%
Certificate - 6 Month
$500
4.00% ▲ 1.06% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.94%▲ 1.06% above avgNationally 2.77%
Details

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 14, 2026
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
6 Month Share Certificate
$0
4.00% ▲ 1.06% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.94%▲ 1.06% above avgNationally 2.77%
Details

Balance: $50,000 & up; Dividends Paid Monthly

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
6 Month Certificate
$1,000
4.00% ▲ 1.06% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.94%▲ 1.06% above avgNationally 2.77%
Details

Paid monthly

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 14, 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
$100,000
3.97% ▲ 1.03% above Tennessee avg
View
▼
Rate3.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.94%▲ 1.03% above avgNationally 2.77%
Details

Compounding: dividend rate 3.90%, APY compounding 3.97%

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 14, 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% ▲ 1.01% above Tennessee avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.94%▲ 1.01% above avgNationally 2.77%
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 14, 2026
Bowater Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.53%
6-month Term Share Account (TSA)
$0
3.94% ▲ 1.00% above Tennessee avg
View
▼
Rate3.90%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.94%▲ 1.00% above avgNationally 2.77%
Details

Early-withdrawal penalty: 30 days

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 14, 2026
  • Oct 10, 20263.94%▲ from 3.63%
  • Sep 14, 20263.63%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 6 Months Fixed
$100,000
3.90% ▲ 0.96% above Tennessee avg
View
▼
Rate3.90%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.94%▲ 0.96% above avgNationally 2.77%
Details

Non-Compounding: dividend rate 3.90%, APY non-compounding 3.90%

Rate History
3 changes since Sep 14, 2026 · 3.76% → 3.90% ▲ 0.14 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% APYOct 12, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20263.90%▼ from 3.97%
  • Oct 4, 20263.97%▲ from 3.87%
  • Sep 18, 20263.87%▲ from 3.76%
  • Sep 14, 20263.76%first recorded
TRUST Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.70%
6-Month Share Certificate
$500
3.90% ▲ 0.96% above Tennessee avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.94%▲ 0.96% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.90% APY · checked 8 times
3.40%3.90%4.40%Sep 14, 2026: 3.90% APYSep 14, 2026Oct 14, 2026
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
6 Month Regular, Business and / or IRA Share Certificate
$100,000
3.87% ▲ 0.93% above Tennessee avg
View
▼
Rate3.80%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.94%▲ 0.93% above avgNationally 2.77%
Details

Jumbo

Rate History
2 changes since Sep 20, 2026 · 3.45% → 3.87% ▲ 0.42 pts · high 3.87% / low 3.45%
2.95%3.66%4.37%Sep 20, 2026: 3.45% APYOct 4, 2026: 3.82% APYOct 12, 2026: 3.87% APYSep 20, 2026Oct 14, 2026
  • Oct 12, 20263.87%▲ from 3.82%
  • 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 - Jumbo 6 Months
$100,000
3.87% ▲ 0.93% above Tennessee avg
View
▼
Rate3.80%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.94%▲ 0.93% above avgNationally 2.77%
Details

Jumbo

Rate History
No change since Oct 12, 2026 · 3.87% APY
3.37%3.87%4.37%Oct 12, 2026: 3.87% APYOct 12, 2026Oct 14, 2026
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
6 Month Share Certificate
$1,000
3.87% ▲ 0.93% above Tennessee avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.94%▲ 0.93% above avgNationally 2.77%
Details

Rates effective as of 01/27/2026

Rate History
No change since Oct 13, 2026 · 3.87% APY
3.37%3.87%4.37%Oct 13, 2026: 3.87% APYOct 13, 2026Oct 14, 2026
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
IRA Account - 6 Months
$2,000
3.87% ▲ 0.93% above Tennessee avg
View
▼
Rate3.80%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.94%▲ 0.93% above avgNationally 2.77%
Details

Rates effective as of 01/27/2026

Rate History
No change since Oct 13, 2026 · 3.87% APY
3.37%3.87%4.37%Oct 13, 2026: 3.87% APYOct 13, 2026Oct 14, 2026
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
6 Month Share Certificate
$1,000
3.85% ▲ 0.91% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.94%▲ 0.91% above avgNationally 2.77%
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 14, 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%
Share Certificates - 6 months
$0
3.85% ▲ 0.91% above Tennessee avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.94%▲ 0.91% above avgNationally 2.77%
Details

Early withdrawal penalty applies; Compounds quarterly; Effective 9/21/2026

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 14, 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 Account
$0
3.85% ▲ 0.91% above Tennessee avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.94%▲ 0.91% above avgNationally 2.77%
Details

Dividend Compound: Monthly

Rate History
No change since Oct 14, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 14, 2026: 3.85% APYOct 14, 2026Oct 14, 2026
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
6 Month IRA Certificate Account
$0
3.85% ▲ 0.91% above Tennessee avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.94%▲ 0.91% above avgNationally 2.77%
Details

Dividend Compound: Monthly

Rate History
No change since Oct 14, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 14, 2026: 3.85% APYOct 14, 2026Oct 14, 2026
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Business Certificate Accounts - 6 Month Certificate Account
$0
3.85% ▲ 0.91% above Tennessee avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.94%▲ 0.91% above avgNationally 2.77%
Details

Dividend Compound: Monthly

Rate History
No change since Oct 14, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 14, 2026: 3.85% APYOct 14, 2026Oct 14, 2026
Johnsonville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
6 Month Certificate
$1,000
3.84% ▲ 0.90% above Tennessee avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.94%▲ 0.90% above avgNationally 2.77%
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 14, 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% ▲ 0.88% above Tennessee avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.94%▲ 0.88% above avgNationally 2.77%
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 14, 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% ▲ 0.88% above Tennessee avg
View
▼
Rate3.75%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.94%▲ 0.88% above avgNationally 2.77%
Details

Rate History
No change since Oct 8, 2026 · 3.82% APY · checked 2 times
3.32%3.82%4.32%Oct 8, 2026: 3.82% APYOct 8, 2026Oct 14, 2026
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
6 Month CD
$1,000
3.80% ▲ 0.86% above Tennessee avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.94%▲ 0.86% above avgNationally 2.77%
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 14, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
6 Month Certificate Accounts
$0
3.80% ▲ 0.86% above Tennessee avg
View
▼
Rate3.73%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.94%▲ 0.86% above avgNationally 2.77%
Details

Balance: $50,000 - $99,999; Dividends paid quarterly

Rate History
No change since Sep 14, 2026 · 3.80% APY · checked 5 times
3.30%3.80%4.30%Sep 14, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
LG&W Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
Share Certificate - 6 Months
$0
3.75% ▲ 0.81% above Tennessee avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.94%▲ 0.81% above avgNationally 2.77%
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 14, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
6 Month Certificate Accounts
$0
3.75% ▲ 0.81% above Tennessee avg
View
▼
Rate3.68%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.94%▲ 0.81% above avgNationally 2.77%
Details

Balance: $15,000 - $29,999; Dividends paid quarterly

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 14, 2026
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
6 Month Certificate
$50,000
3.75% ▲ 0.81% above Tennessee avg
View
▼
Rate3.72%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.94%▲ 0.81% above avgNationally 2.77%
Details

Rate History
No change since Sep 30, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 30, 2026: 3.75% APYSep 30, 2026Oct 14, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
6 Month Business Share Certificates
$0
3.75% ▲ 0.81% above Tennessee avg
View
▼
Rate3.69%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.94%▲ 0.81% above avgNationally 2.77%
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 14, 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% ▲ 0.81% above Tennessee avg
View
▼
Rate3.69%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.94%▲ 0.81% above avgNationally 2.77%
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 14, 2026
Kimberly Clark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.22%
6 Month Share Certificate
$0
3.75% ▲ 0.81% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.94%▲ 0.81% above avgNationally 2.77%
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 14, 2026
TNConnect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
6 Month Tailored Certificate
$1,000
3.75% ▲ 0.81% above Tennessee avg
View
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.94%▲ 0.81% above avgNationally 2.77%
Details

Rate History
No change since Sep 14, 2026 · 3.75% APY · checked 3 times
3.25%3.75%4.25%Sep 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
Staley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
6 Month Certificates
$1,000
3.75% ▲ 0.81% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.94%▲ 0.81% above avgNationally 2.77%
Details

Minimum: $1,000

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 14, 2026
  • Oct 10, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
CIT Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.72%
Term CD - 6-Month Term
$1,000
3.75% ▲ 0.81% above Tennessee avg
View
▼
Rate3.68%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.94%▲ 0.81% above avgNationally 2.77%
Details

Term Certificates of Deposit (CD)

Rate History
No change since Oct 14, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 14, 2026
RBMAX
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
Certificates of Deposit - 6 Month
$1,000
3.70% ▲ 0.76% above Tennessee avg
View
▼
Rate3.63%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.94%▲ 0.76% above avgNationally 2.77%
Details

Partial withdrawals allowed; $100,000 maximum deposit per CD product; automatically renewable

Rate History
No change since Sep 18, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 18, 2026: 3.70% APYSep 18, 2026Oct 14, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
6 Month Certificate Accounts
$0
3.70% ▲ 0.76% above Tennessee avg
View
▼
Rate3.63%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.94%▲ 0.76% above avgNationally 2.77%
Details

Balance: $1,000 - $4,999; Dividends paid quarterly

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 5 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
Southern Security Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.49%
6 Month Certificate
$10,000
3.70% ▲ 0.76% above Tennessee avg
View
▼
Rate3.67%
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.94%▲ 0.76% above avgNationally 2.77%
Details

Rate History
No change since Sep 30, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Sep 30, 2026: 3.70% APYSep 30, 2026Oct 14, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
6 Month Business Share Certificates
$0
3.70% ▲ 0.76% above Tennessee avg
View
▼
Rate3.64%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.94%▲ 0.76% above avgNationally 2.77%
Details

Balance: $50,000

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 9 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 14, 2026

Woodlawn 12 Month CD Rates

Tennessee 12 Month CD Average3.19% APYNational 2.99%▲ 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%
12 Month Business Share Certificates PROMO
$50,000
4.75% ▲ 1.56% above Tennessee avg
View
▼
Rate4.65%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.19%▲ 1.56% above avgNationally 2.99%
Details

Promo; 25% of opening deposit must be new money; penalty for early withdrawal; at maturity converts to regular certificate

Rate History
No change since Oct 12, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 12, 2026: 4.75% APYOct 12, 2026Oct 14, 2026
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
12 Month Share Certificate PROMO
$0
4.75% ▲ 1.56% above Tennessee avg
View
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.19%▲ 1.56% above avgNationally 2.99%
Details

Rate History
No change since Oct 12, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 12, 2026: 4.75% APYOct 12, 2026Oct 14, 2026
Hope Federal Credit Union Jackson, MS
Institution Rating:
A5.0 ★Texas Ratio: 7.78%
12 Month Share Certificates (CDs) - Jumbo
$1,000
4.53% ▲ 1.34% above Tennessee avg
View
▼
Rate4.43%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average3.19%▲ 1.34% above avgNationally 2.99%
Details

Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more.

Rate History
No change since Oct 13, 2026 · 4.53% APY
4.03%4.53%5.03%Oct 13, 2026: 4.53% APYOct 13, 2026Oct 14, 2026
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 14, 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 14, 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 14, 2026
Tennessee Average3.19%▲ 1.16% above avgNationally 2.99%
Details

Rate History
No change since Sep 30, 2026 · 4.35% APY · checked 5 times
3.85%4.35%4.85%Sep 30, 2026: 4.35% APYSep 30, 2026Oct 14, 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 14, 2026
  • Sep 24, 20264.35%▲ from 4.01%
  • Sep 14, 20264.01%first recorded
Finworth, a division of InsBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
12 Month Certificate of Deposit
$50,000
4.35% ▲ 1.16% above Tennessee avg
View
▼
Rate4.35%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.19%▲ 1.16% above avgNationally 2.99%
Details

Minimum deposit $50,000; maximum $240,000; APY accurate as of 10-07-2026

Rate History
1 change since Oct 2, 2026 · 4.25% → 4.35% ▲ 0.10 pts · high 4.35% / low 4.25%
3.75%4.30%4.85%Oct 2, 2026: 4.25% APYOct 14, 2026: 4.35% APYOct 2, 2026Oct 14, 2026
  • Oct 14, 20264.35%▲ from 4.25%
  • Oct 2, 20264.25%first recorded
Collegedale Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
Term Share Certificate - 12 Months
$0
4.28% ▲ 1.09% above Tennessee avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.19%▲ 1.09% above avgNationally 2.99%
Details

Rates effective September 18, 2026; Early withdrawal penalty applies

Rate History
No change since Oct 10, 2026 · 4.28% APY · checked 2 times
3.78%4.28%4.78%Oct 10, 2026: 4.28% APYOct 10, 2026Oct 14, 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 14, 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%
Certificate - 12 Months
$0
4.27% ▲ 1.08% above Tennessee avg
View
▼
Rate4.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average3.19%▲ 1.08% above avgNationally 2.99%
Details

Dividend Rate: 4.20%; Penalty: 90 days' interest for early withdrawal

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 14, 2026
  • Sep 22, 20264.27%▲ from 4.06%
  • Sep 14, 20264.06%first recorded
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
12 Month Regular, Business and / or IRA Share Certificate
$100,000
4.25% ▲ 1.06% above Tennessee avg
View
▼
Rate4.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.19%▲ 1.06% above avgNationally 2.99%
Details

Jumbo

Rate History
2 changes since Sep 20, 2026 · 3.61% → 4.25% ▲ 0.64 pts · high 4.25% / low 3.61%
2.97%3.93%4.89%Sep 20, 2026: 3.61% APYOct 4, 2026: 4.20% APYOct 12, 2026: 4.25% APYSep 20, 2026Oct 14, 2026
  • Oct 12, 20264.25%▲ from 4.20%
  • 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 - Jumbo 12 Months
$100,000
4.25% ▲ 1.06% above Tennessee avg
View
▼
Rate4.17%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.19%▲ 1.06% above avgNationally 2.99%
Details

Jumbo

Rate History
No change since Oct 12, 2026 · 4.25% APY
3.75%4.25%4.75%Oct 12, 2026: 4.25% APYOct 12, 2026Oct 14, 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 14, 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 14, 2026
Tennessee Average3.19%▲ 1.06% above avgNationally 2.99%
Details

IRA; Minimum deposit $500 required; Certificate Rates

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 14, 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 14, 2026
Tennessee Average3.19%▲ 1.06% above avgNationally 2.99%
Details

Minimum deposit $500 required; Certificate Rates

Rate History
No change since Sep 18, 2026 · 4.25% APY · checked 4 times
3.75%4.25%4.75%Sep 18, 2026: 4.25% APYSep 18, 2026Oct 14, 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 14, 2026
Tennessee Average3.19%▲ 1.01% above avgNationally 2.99%
Details

Rates effective as of September 29, 2026; Annual Percentage Yield

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 14, 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 14, 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 14, 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 14, 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 12, 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 14, 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 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 14, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
12 Month (Quarterly) Special
$0
4.17% ▲ 0.98% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.19%▲ 0.98% above avgNationally 2.99%
Details

Jumbo Certificate Special; minimum $250,000 / maximum $500,000 to open; New Money only (not on deposit within prior 6 months); special rate only until first maturity; Limited Time Only; penalty for early withdrawal

Rate History
No change since Sep 18, 2026 · 4.17% APY · checked 5 times
3.67%4.17%4.67%Sep 18, 2026: 4.17% APYSep 18, 2026Oct 14, 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 13, 2026
Tennessee Average3.19%▲ 0.97% above avgNationally 2.99%
Details

Effective 10/9/26 - 10/15/26; Share Savings account required

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 14, 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
$100,000
4.13% ▲ 0.94% above Tennessee avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.19%▲ 0.94% above avgNationally 2.99%
Details

Compounding: dividend rate 4.05%, APY compounding 4.13%

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 14, 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 CD
$2,500
4.11% ▲ 0.92% above Tennessee avg
View
▼
Rate4.03%
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.19%▲ 0.92% above avgNationally 2.99%
Details

New money deposits required; $2,500 minimum opening deposit

Rate History
No change since Oct 14, 2026 · 4.11% APY
3.61%4.11%4.61%Oct 14, 2026: 4.11% APYOct 14, 2026Oct 14, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
12 Month (Quarterly) Special
$0
4.11% ▲ 0.92% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.19%▲ 0.92% above avgNationally 2.99%
Details

Regular Certificate Special; minimum $2,500 / maximum $250,000 to open; New Money only (not on deposit within prior 6 months); special rate only until first maturity; Limited Time Only; penalty for early withdrawal

Rate History
No change since Sep 18, 2026 · 4.11% APY · checked 5 times
3.61%4.11%4.61%Sep 18, 2026: 4.11% APYSep 18, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.10% ▲ 0.91% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.19%▲ 0.91% above avgNationally 2.99%
Details

$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 14, 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 14, 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 13, 2026
Tennessee Average3.19%▲ 0.87% above avgNationally 2.99%
Details

Effective 10/9/26 - 10/15/26; Share Savings account required

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 14, 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 13, 2026
Tennessee Average3.19%▲ 0.87% above avgNationally 2.99%
Details

Effective 10/9/26 - 10/15/26; Share Savings account required

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 14, 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 Certificates
$0
4.06% ▲ 0.87% above Tennessee avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 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 14, 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%
Share Certificates - 12 months
$0
4.06% ▲ 0.87% above Tennessee avg
View
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.19%▲ 0.87% above avgNationally 2.99%
Details

Early withdrawal penalty applies; Compounds quarterly; Effective 9/21/2026

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 14, 2026
  • Sep 27, 20264.06%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 12 Months
$0
4.05% ▲ 0.86% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.19%▲ 0.86% above avgNationally 2.99%
Details

$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 14, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 12 Months Fixed
$100,000
4.05% ▲ 0.86% above Tennessee avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.19%▲ 0.86% above avgNationally 2.99%
Details

Non-Compounding: dividend rate 4.05%, APY non-compounding 4.05%

Rate History
4 changes since Sep 14, 2026 · 3.82% → 4.05% ▲ 0.23 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% APYOct 12, 2026: 4.05% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20264.05%▼ from 4.13%
  • Oct 4, 20264.13%▲ from 4.02%
  • Sep 25, 20264.02%▲ from 3.92%
  • Sep 18, 20263.92%▲ from 3.82%
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
12 Month Certificate
$1,000
4.05% ▲ 0.86% above Tennessee avg
View
▼
Rate3.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average3.19%▲ 0.86% above avgNationally 2.99%
Details

Paid monthly

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 14, 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%
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 12, 2026
Tennessee Average3.19%▲ 0.85% above avgNationally 2.99%
Details

Dividend Rate 3.97%; Rates effective October 7, 2026

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 14, 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
$1,000
4.02% ▲ 0.83% above Tennessee avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average3.19%▲ 0.83% above avgNationally 2.99%
Details

Rates effective as of 01/27/2026

Rate History
No change since Oct 13, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 13, 2026: 4.02% APYOct 13, 2026Oct 14, 2026
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
IRA Account - 12 Months
$2,000
4.02% ▲ 0.83% above Tennessee avg
View
▼
Rate3.95%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average3.19%▲ 0.83% above avgNationally 2.99%
Details

Rates effective as of 01/27/2026

Rate History
No change since Oct 13, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 13, 2026: 4.02% APYOct 13, 2026Oct 14, 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 14, 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 14, 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 14, 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 14, 2026
Tennessee Average3.19%▲ 0.82% above avgNationally 2.99%
Details

Balance: $100,000.00 and over; Jumbo IRA

Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 7 times
3.51%4.01%4.51%Sep 14, 2026: 4.01% APYSep 14, 2026Oct 14, 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 14, 2026
Tennessee Average3.19%▲ 0.82% above avgNationally 2.99%
Details

Balance: $100,000.00 and over; Jumbo IRA

Rate History
No change since Sep 14, 2026 · 4.01% APY · checked 7 times
3.51%4.01%4.51%Sep 14, 2026: 4.01% APYSep 14, 2026Oct 14, 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 14, 2026
Tennessee Average3.19%▲ 0.81% above avgNationally 2.99%
Details

Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 6, 2026: 4.00% APYOct 6, 2026Oct 14, 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 14, 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%
Certificate - 12 Month
$500
4.00% ▲ 0.81% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.19%▲ 0.81% above avgNationally 2.99%
Details

Rate History
No change since Oct 12, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 14, 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 13, 2026
Tennessee Average3.19%▲ 0.81% above avgNationally 2.99%
Details

Balance: $50,000 & up; Dividends Paid Monthly

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
12 Month Youth Share Certificates
$0
4.00% ▲ 0.81% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average3.19%▲ 0.81% above avgNationally 2.99%
Details

+ Youth Bonus; Balance: Under $10,000

Rate History
No change since Oct 5, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 5, 2026: 4.00% APYOct 5, 2026Oct 14, 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 14, 2026
  • Sep 29, 20264.00%▲ from 3.45%
  • Sep 14, 20263.45%first recorded

Woodlawn 18 Month CD Rates

Tennessee 18 Month CD Average2.99% APYNational 2.88%▼ 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%
18 Month Business Share Certificates PROMO
$50,000
4.75% ▲ 1.76% above Tennessee avg
View
▼
Rate4.65%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.99%▲ 1.76% above avgNationally 2.88%
Details

Promo; 25% of opening deposit must be new money; penalty for early withdrawal; at maturity converts to regular certificate

Rate History
No change since Oct 12, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 12, 2026: 4.75% APYOct 12, 2026Oct 14, 2026
Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
18 Month Share Certificate PROMO
$0
4.75% ▲ 1.76% above Tennessee avg
View
▼
Rate4.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.99%▲ 1.76% above avgNationally 2.88%
Details

Rate History
No change since Oct 12, 2026 · 4.75% APY
4.25%4.75%5.25%Oct 12, 2026: 4.75% APYOct 12, 2026Oct 14, 2026
Finworth, a division of InsBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
18 Month Certificate of Deposit
$50,000
4.40% ▲ 1.41% above Tennessee avg
View
▼
Rate4.40%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.99%▲ 1.41% above avgNationally 2.88%
Details

Minimum deposit $50,000; maximum $240,000; APY accurate as of 10-07-2026

Rate History
1 change since Oct 2, 2026 · 4.30% → 4.40% ▲ 0.10 pts · high 4.40% / low 4.30%
3.80%4.35%4.90%Oct 2, 2026: 4.30% APYOct 14, 2026: 4.40% APYOct 2, 2026Oct 14, 2026
  • Oct 14, 20264.40%▲ from 4.30%
  • Oct 2, 20264.30%first recorded
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
18 Month Business Share Certificates
$1,000
4.25% ▲ 1.26% above Tennessee avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.99%▲ 1.26% 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 · 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 14, 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% ▲ 1.26% above Tennessee avg
View
▼
Rate4.18%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.99%▲ 1.26% above avgNationally 2.88%
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 14, 2026
  • Oct 8, 20264.25%▲ from 4.00%
  • Oct 4, 20264.00%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.15% ▲ 1.16% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.99%▲ 1.16% above avgNationally 2.88%
Details

$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 18 Months
$0
4.10% ▲ 1.11% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.99%▲ 1.11% above avgNationally 2.88%
Details

$1K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 14, 2026
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
18 Month Certificate
$1,000
4.10% ▲ 1.11% above Tennessee avg
View
▼
Rate4.03%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.99%▲ 1.11% above avgNationally 2.88%
Details

Paid monthly

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 14, 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% ▲ 1.08% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.99%▲ 1.08% above avgNationally 2.88%
Details

Balance: $100,000.00 and over; Jumbo IRA

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 7 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 14, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Roth IRA 18 Month Certificate
$0
4.07% ▲ 1.08% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.99%▲ 1.08% above avgNationally 2.88%
Details

Balance: $100,000.00 and over; Jumbo IRA

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 7 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 14, 2026
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
18 Month Certificate Account
$0
4.05% ▲ 1.06% above Tennessee avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.99%▲ 1.06% above avgNationally 2.88%
Details

Dividend Compound: Monthly

Rate History
No change since Oct 14, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 14, 2026
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
18 Month IRA Certificate Account
$0
4.05% ▲ 1.06% above Tennessee avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.99%▲ 1.06% above avgNationally 2.88%
Details

Dividend Compound: Monthly

Rate History
No change since Oct 14, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 14, 2026
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Business Certificate Accounts - 18 Month Certificate Account
$0
4.05% ▲ 1.06% above Tennessee avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.99%▲ 1.06% above avgNationally 2.88%
Details

Dividend Compound: Monthly

Rate History
No change since Oct 14, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 14, 2026
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
18 Month Share Certificate
$1,000
4.02% ▲ 1.03% above Tennessee avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.99%▲ 1.03% above avgNationally 2.88%
Details

Rates effective as of 01/27/2026

Rate History
No change since Oct 13, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 13, 2026: 4.02% APYOct 13, 2026Oct 14, 2026
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
IRA Account - 18 Months
$2,000
4.02% ▲ 1.03% above Tennessee avg
View
▼
Rate3.95%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.99%▲ 1.03% above avgNationally 2.88%
Details

Rates effective as of 01/27/2026

Rate History
No change since Oct 13, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 13, 2026: 4.02% APYOct 13, 2026Oct 14, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
IRA 18 Month Certificate
$0
4.02% ▲ 1.03% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.99%▲ 1.03% above avgNationally 2.88%
Details

Balance: $500.00 - $99,999.99; Regular IRA

Rate History
No change since Sep 14, 2026 · 4.02% APY · checked 7 times
3.52%4.02%4.52%Sep 14, 2026: 4.02% APYSep 14, 2026Oct 14, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Roth IRA 18 Month Certificate
$0
4.02% ▲ 1.03% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.99%▲ 1.03% above avgNationally 2.88%
Details

Balance: $500.00 - $99,999.99; Regular IRA

Rate History
No change since Sep 14, 2026 · 4.02% APY · checked 7 times
3.52%4.02%4.52%Sep 14, 2026: 4.02% APYSep 14, 2026Oct 14, 2026
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
Certificate - 18 Months
$0
4.01% ▲ 1.02% above Tennessee avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.99%▲ 1.02% above avgNationally 2.88%
Details

Dividend Rate: 3.95%; Penalty: 120 days' interest for early withdrawal

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 14, 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% ▲ 1.01% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.99%▲ 1.01% above avgNationally 2.88%
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 14, 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% ▲ 1.01% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.99%▲ 1.01% above avgNationally 2.88%
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 14, 2026
Consumer Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.68%
18 Month Term Certificate
$0
4.00% ▲ 1.01% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.99%▲ 1.01% above avgNationally 2.88%
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 14, 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% ▲ 0.98% above Tennessee avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.99%▲ 0.98% above avgNationally 2.88%
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 14, 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% ▲ 0.98% above Tennessee avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.99%▲ 0.98% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 3.97% APY · checked 2 times
3.47%3.97%4.47%Oct 8, 2026: 3.97% APYOct 8, 2026Oct 14, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
18 Month Certificate (quarterly dividends)
$0
3.96% ▲ 0.97% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.99%▲ 0.97% above avgNationally 2.88%
Details

Jumbo Certificate; Balance: $100,000 or more

Rate History
No change since Oct 14, 2026 · 3.96% APY
3.46%3.96%4.46%Oct 14, 2026: 3.96% APYOct 14, 2026Oct 14, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Share Certificates - 18 Month
$1,000
3.95% ▲ 0.96% above Tennessee avg
View
▼
Rate3.88%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.99%▲ 0.96% above avgNationally 2.88%
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 14, 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% ▲ 0.96% above Tennessee avg
View
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.99%▲ 0.96% above avgNationally 2.88%
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 14, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 18 Months Fixed
$100,000
3.92% ▲ 0.93% above Tennessee avg
View
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.99%▲ 0.93% above avgNationally 2.88%
Details

Compounding: dividend rate 3.85%, APY compounding 3.92%

Rate History
2 changes since Sep 14, 2026 · 3.71% → 3.92% ▲ 0.21 pts · high 3.92% / low 3.71%
3.21%3.82%4.42%Sep 14, 2026: 3.71% APYSep 18, 2026: 3.82% APYOct 4, 2026: 3.92% APYSep 14, 2026Oct 14, 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 (quarterly dividends)
$0
3.91% ▲ 0.92% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.99%▲ 0.92% above avgNationally 2.88%
Details

Regular Certificate; Balance: $500 - $99,999.99

Rate History
No change since Oct 14, 2026 · 3.91% APY
3.41%3.91%4.41%Oct 14, 2026: 3.91% APYOct 14, 2026Oct 14, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
18 Month Share Certificate
$1,000
3.90% ▲ 0.91% above Tennessee avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.99%▲ 0.91% above avgNationally 2.88%
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 14, 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% ▲ 0.91% above Tennessee avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.99%▲ 0.91% above avgNationally 2.88%
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 14, 2026
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
18 Month Share Certificate
$1,000
3.90% ▲ 0.91% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.99%▲ 0.91% above avgNationally 2.88%
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 14, 2026
  • Oct 9, 20263.90%▲ from 3.54%
  • Sep 21, 20263.54%first recorded
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
CD - 18 months
$0
3.85% ▲ 0.86% above Tennessee avg
View
▼
Rate3.78%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.99%▲ 0.86% above avgNationally 2.88%
Details

Rate History
No change since Oct 2, 2026 · 3.85% APY · checked 2 times
3.35%3.85%4.35%Oct 2, 2026: 3.85% APYOct 2, 2026Oct 14, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 18 Months Fixed
$100,000
3.85% ▲ 0.86% above Tennessee avg
View
▼
Rate3.85%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.99%▲ 0.86% above avgNationally 2.88%
Details

Non-Compounding: dividend rate 3.85%, APY non-compounding 3.85%

Rate History
3 changes since Sep 14, 2026 · 3.71% → 3.85% ▲ 0.14 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% APYOct 12, 2026: 3.85% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20263.85%▼ from 3.92%
  • Oct 4, 20263.92%▲ from 3.82%
  • Sep 18, 20263.82%▲ from 3.71%
  • Sep 14, 20263.71%first recorded
Tennessee State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.90%
Traditional IRA 18 Month CD
$100
3.76% ▲ 0.77% above Tennessee avg
View
▼
Rate3.75%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.99%▲ 0.77% above avgNationally 2.88%
Details

Early withdrawal penalty will be imposed

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 14, 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%
Business CDs & IRAs - 18 Months
$2,500
3.75% ▲ 0.76% above Tennessee avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.99%▲ 0.76% above avgNationally 2.88%
Details

Penalties for early withdrawal may apply

Rate History
No change since Oct 14, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 14, 2026
Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
CDs & IRAs - 18 Months
$2,500
3.75% ▲ 0.76% above Tennessee avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.99%▲ 0.76% above avgNationally 2.88%
Details

Minimum to Open/Obtain APY: $2,500.00; Penalties for early withdrawal may apply

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 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 14, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
First Jackson Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
18 Month Certificate of Deposit
$0
3.75% ▲ 0.76% above Tennessee avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.99%▲ 0.76% above avgNationally 2.88%
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 14, 2026
TRUST Federal Credit Union
Institution Rating:
B4.5 ★Texas Ratio: 20.70%
18-Month Share Certificate
$500
3.75% ▲ 0.76% above Tennessee avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.99%▲ 0.76% above avgNationally 2.88%
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 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
18 Month ESA EasyStart Certificate
$50
3.70% ▲ 0.71% above Tennessee avg
View
▼
Rate3.63%
Min Deposit$50
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.99%▲ 0.71% above avgNationally 2.88%
Details

Share, IRA, ESA; Rates as of Oct 13, 2026 ET; EasyStart Certificate Rates(Share, IRA, ESA)

Rate History
No change since Oct 6, 2026 · 3.70% APY · checked 3 times
3.20%3.70%4.20%Oct 6, 2026: 3.70% APYOct 6, 2026Oct 14, 2026
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
18 Month Certificate
$0
3.70% ▲ 0.71% above Tennessee avg
View
▼
Rate3.65%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.99%▲ 0.71% above avgNationally 2.88%
Details

Term Certificates; Certificate rates are reviewed on a weekly basis and can change without notice. Rates current as of 09/28/2026.

Rate History
No change since Sep 14, 2026 · 3.70% APY · checked 7 times
3.20%3.70%4.20%Sep 14, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
18 Month Share Certificate
$1,000
3.65% ▲ 0.66% above Tennessee avg
View
▼
Rate3.59%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.99%▲ 0.66% above avgNationally 2.88%
Details

Dividend credited monthly; Early withdrawal penalty: 90 days of dividends

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 14, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 18 Months Fixed
$1,000
3.60% ▲ 0.61% above Tennessee avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.99%▲ 0.61% above avgNationally 2.88%
Details

Compounding: dividend rate 3.55%, APY compounding 3.60%

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 14, 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 and Roth IRA Certificate - 18 Months Fixed
$0
3.60% ▲ 0.61% above Tennessee avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.99%▲ 0.61% above avgNationally 2.88%
Details

Traditional IRAs and Roth IRA Certificates

Rate History
No change since Oct 12, 2026 · 3.60% APY
3.10%3.60%4.10%Oct 12, 2026: 3.60% APYOct 12, 2026Oct 14, 2026
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
18 Month Certificate Account with Rewards
$500
3.60% ▲ 0.61% above Tennessee avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.99%▲ 0.61% above avgNationally 2.88%
Details

Rewards version; Dividend Rate & Annual Percentage Yield column (single value printed)

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 14, 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
$0
3.60% ▲ 0.61% above Tennessee avg
View
▼
Rate3.55%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.99%▲ 0.61% above avgNationally 2.88%
Details

Member Rewards: +.10% rate with CECU checking and direct deposit and over $25,000 on deposit; +.20% rate if over $50,000 on deposit (applies to new certificate); Early withdrawal penalties may apply

Rate History
No change since Sep 18, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 18, 2026: 3.60% APYSep 18, 2026Oct 14, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 18 Months Fixed
$1,000
3.55% ▲ 0.56% above Tennessee avg
View
▼
Rate3.55%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.99%▲ 0.56% above avgNationally 2.88%
Details

Non-Compounding: dividend rate 3.55%, APY non-compounding 3.55%

Rate History
3 changes since Sep 14, 2026 · 3.39% → 3.55% ▲ 0.16 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% APYOct 12, 2026: 3.55% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20263.55%▼ from 3.60%
  • Oct 4, 20263.60%▲ from 3.49%
  • Sep 18, 20263.49%▲ from 3.39%
  • Sep 14, 20263.39%first recorded
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
18 Month Jumbo Certificate
$250,000
3.55% ▲ 0.56% above Tennessee avg
View
▼
Rate3.50%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.99%▲ 0.56% above avgNationally 2.88%
Details

Effective 10/9/26 - 10/15/26; Share Savings account required

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 14, 2026
First National Bank of Eastern Arkansas
Institution Rating:
A+5.0 ★Texas Ratio: 3.75%
18 Month IRA Fixed
$100
3.50% ▲ 0.51% above Tennessee avg
View
▼
Rate3.50%
Min Deposit$100
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.99%▲ 0.51% above avgNationally 2.88%
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 14, 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% ▲ 0.51% above Tennessee avg
View
▼
Rate3.50%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.99%▲ 0.51% above avgNationally 2.88%
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 14, 2026
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
18 Month Share Certificate
$1,000
3.50% ▲ 0.51% above Tennessee avg
View
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.99%▲ 0.51% above avgNationally 2.88%
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 14, 2026

Woodlawn 24 Month CD Rates

Tennessee 24 Month CD Average3.07% APYNational 2.88%▲ 0.02% 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 Share Certificates (CDs) - Jumbo
$1,000
4.82% ▲ 1.75% above Tennessee avg
View
▼
Rate4.71%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average3.07%▲ 1.75% above avgNationally 2.88%
Details

Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more.

Rate History
No change since Oct 13, 2026 · 4.82% APY
4.32%4.82%5.32%Oct 13, 2026: 4.82% APYOct 13, 2026Oct 14, 2026
Finworth, a division of InsBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
2 Year Certificate of Deposit
$50,000
4.45% ▲ 1.38% above Tennessee avg
View
▼
Rate4.45%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.07%▲ 1.38% above avgNationally 2.88%
Details

Minimum deposit $50,000; maximum $240,000; APY accurate as of 10-07-2026

Rate History
1 change since Oct 2, 2026 · 4.35% → 4.45% ▲ 0.10 pts · high 4.45% / low 4.35%
3.85%4.40%4.95%Oct 2, 2026: 4.35% APYOct 14, 2026: 4.45% APYOct 2, 2026Oct 14, 2026
  • Oct 14, 20264.45%▲ from 4.35%
  • Oct 2, 20264.35%first recorded
Holley Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
Share Certificates - 24 months
$0
4.32% ▲ 1.25% above Tennessee avg
View
▼
Rate4.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.07%▲ 1.25% above avgNationally 2.88%
Details

Early withdrawal penalty applies; Compounds quarterly; Effective 9/21/2026

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 14, 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% ▲ 1.18% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.07%▲ 1.18% above avgNationally 2.88%
Details

Rates effective as of September 29, 2026; Annual Percentage Yield

Rate History
No change since Oct 2, 2026 · 4.25% APY · checked 5 times
3.75%4.25%4.75%Oct 2, 2026: 4.25% APYOct 2, 2026Oct 14, 2026
SouthEast Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.98%
24-Month CD Special
$1,000
4.25% ▲ 1.18% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average3.07%▲ 1.18% 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 14, 2026
Leaders Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
24-Month Certificate Special
$1,000
4.25% ▲ 1.18% above Tennessee avg
View
▼
Rate4.17%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.07%▲ 1.18% 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 14, 2026
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
24 Month Certificate
$1,000
4.15% ▲ 1.08% above Tennessee avg
View
▼
Rate4.07%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average3.07%▲ 1.08% above avgNationally 2.88%
Details

Paid monthly

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 14, 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% ▲ 1.08% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.07%▲ 1.08% 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 14, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
IRA 24 Month Certificate
$0
4.12% ▲ 1.05% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.07%▲ 1.05% above avgNationally 2.88%
Details

Balance: $100,000.00 and over; Jumbo IRA

Rate History
No change since Sep 14, 2026 · 4.12% APY · checked 7 times
3.62%4.12%4.62%Sep 14, 2026: 4.12% APYSep 14, 2026Oct 14, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Roth IRA 24 Month Certificate
$0
4.12% ▲ 1.05% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.07%▲ 1.05% above avgNationally 2.88%
Details

Balance: $100,000.00 and over; Jumbo IRA

Rate History
No change since Sep 14, 2026 · 4.12% APY · checked 7 times
3.62%4.12%4.62%Sep 14, 2026: 4.12% APYSep 14, 2026Oct 14, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 2 Year
$0
4.10% ▲ 1.03% above Tennessee avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.07%▲ 1.03% 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 14, 2026
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
24 Month Certificate Account
$0
4.10% ▲ 1.03% above Tennessee avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.07%▲ 1.03% above avgNationally 2.88%
Details

Dividend Compound: Monthly

Rate History
No change since Oct 14, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 14, 2026
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
24 Month IRA Certificate Account
$0
4.10% ▲ 1.03% above Tennessee avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.07%▲ 1.03% above avgNationally 2.88%
Details

Dividend Compound: Monthly

Rate History
No change since Oct 14, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 14, 2026
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Business Certificate Accounts - 24 Month Certificate Account
$0
4.10% ▲ 1.03% above Tennessee avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.07%▲ 1.03% above avgNationally 2.88%
Details

Dividend Compound: Monthly

Rate History
No change since Oct 14, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 14, 2026
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
24 Month Regular, Business and / or IRA Share Certificate
$100,000
4.07% ▲ 1.00% above Tennessee avg
View
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.07%▲ 1.00% above avgNationally 2.88%
Details

Jumbo

Rate History
2 changes since Sep 20, 2026 · 3.82% → 4.07% ▲ 0.25 pts · high 4.07% / low 3.82%
3.32%3.95%4.57%Sep 20, 2026: 3.82% APYOct 4, 2026: 4.02% APYOct 12, 2026: 4.07% APYSep 20, 2026Oct 14, 2026
  • Oct 12, 20264.07%▲ from 4.02%
  • 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 - Jumbo 24 Months
$100,000
4.07% ▲ 1.00% above Tennessee avg
View
▼
Rate4.00%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.07%▲ 1.00% above avgNationally 2.88%
Details

Jumbo

Rate History
No change since Oct 12, 2026 · 4.07% APY
3.57%4.07%4.57%Oct 12, 2026: 4.07% APYOct 12, 2026Oct 14, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
IRA 24 Month Certificate
$0
4.07% ▲ 1.00% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.07%▲ 1.00% above avgNationally 2.88%
Details

Balance: $500.00 - $99,999.99; Regular IRA

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 7 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 14, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Roth IRA 24 Month Certificate
$0
4.07% ▲ 1.00% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.07%▲ 1.00% above avgNationally 2.88%
Details

Balance: $500.00 - $99,999.99; Regular IRA

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 7 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 14, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 2 Year
$0
4.05% ▲ 0.98% above Tennessee avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.07%▲ 0.98% 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 14, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
1 - 2 Year Business Investment Certificate - Jumbo
$100,000
4.05% ▲ 0.98% above Tennessee avg
View
▼
Rate3.98%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.07%▲ 0.98% above avgNationally 2.88%
Details

$100k; Term: 1 to 2 Years (365 to 729 days); Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Oct 14, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 14, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
1 - 2 Year Investment Certificate - Jumbo
$0
4.05% ▲ 0.98% above Tennessee avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.07%▲ 0.98% above avgNationally 2.88%
Details

Term: 1 to 2 Years (365 to 729 days); Jumbo ($100k Minimum); Early Withdrawal Penalty: 90 Days' Dividends

Rate History
No change since Oct 14, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 14, 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% ▲ 0.95% above Tennessee avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.07%▲ 0.95% 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 14, 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% ▲ 0.95% above Tennessee avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.07%▲ 0.95% above avgNationally 2.88%
Details

Rate History
No change since Oct 8, 2026 · 4.02% APY · checked 2 times
3.52%4.02%4.52%Oct 8, 2026: 4.02% APYOct 8, 2026Oct 14, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 24 Months Fixed
$100,000
4.02% ▲ 0.95% above Tennessee avg
View
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.07%▲ 0.95% above avgNationally 2.88%
Details

Compounding: dividend rate 3.95%, APY compounding 4.02%

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 14, 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 (quarterly dividends)
$0
4.02% ▲ 0.95% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.07%▲ 0.95% above avgNationally 2.88%
Details

Jumbo Certificate; Balance: $100,000 or more

Rate History
No change since Oct 14, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 14, 2026: 4.02% APYOct 14, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
24 Month CD
$0
4.00% ▲ 0.93% above Tennessee avg
View
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average3.07%▲ 0.93% 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 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
24 Month Certificate of Deposit
$1,000
4.00% ▲ 0.93% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average3.07%▲ 0.93% 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 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
24-Month IRA
$1,000
4.00% ▲ 0.93% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average3.07%▲ 0.93% 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 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 24-Month
$1,000
4.00% ▲ 0.93% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average3.07%▲ 0.93% 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 14, 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% ▲ 0.93% above Tennessee avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.07%▲ 0.93% 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 14, 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% ▲ 0.93% above Tennessee avg
View
▼
Rate3.94%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.07%▲ 0.93% 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 14, 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% ▲ 0.93% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.07%▲ 0.93% 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 14, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Retirement Liquid Share Certificates
$0
4.00% ▲ 0.93% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.07%▲ 0.93% 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 14, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
1 - 2 Year Business Investment Certificate
$1,000
4.00% ▲ 0.93% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.07%▲ 0.93% above avgNationally 2.88%
Details

Term: 1 to 2 Years (365 to 729 days); Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
1 - 2 Year Investment Certificate
$1,000
4.00% ▲ 0.93% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.07%▲ 0.93% above avgNationally 2.88%
Details

Term: 1 to 2 Years (365 to 729 days); Early Withdrawal Penalty: 90 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 14, 2026
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
24 Month Share Certificate
$1,000
3.97% ▲ 0.90% above Tennessee avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average3.07%▲ 0.90% above avgNationally 2.88%
Details

Rates effective as of 01/27/2026

Rate History
No change since Oct 13, 2026 · 3.97% APY
3.47%3.97%4.47%Oct 13, 2026: 3.97% APYOct 13, 2026Oct 14, 2026
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
IRA Account - 24 Months
$2,000
3.97% ▲ 0.90% above Tennessee avg
View
▼
Rate3.90%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average3.07%▲ 0.90% above avgNationally 2.88%
Details

Rates effective as of 01/27/2026

Rate History
No change since Oct 13, 2026 · 3.97% APY
3.47%3.97%4.47%Oct 13, 2026: 3.97% APYOct 13, 2026Oct 14, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
24 Month Certificate (quarterly dividends)
$0
3.97% ▲ 0.90% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.07%▲ 0.90% above avgNationally 2.88%
Details

Regular Certificate; Balance: $500 - $99,999.99

Rate History
No change since Oct 14, 2026 · 3.97% APY
3.47%3.97%4.47%Oct 14, 2026: 3.97% APYOct 14, 2026Oct 14, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 24 Months Fixed
$100,000
3.95% ▲ 0.88% above Tennessee avg
View
▼
Rate3.95%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.07%▲ 0.88% above avgNationally 2.88%
Details

Non-Compounding: dividend rate 3.95%, APY non-compounding 3.95%

Rate History
3 changes since Sep 14, 2026 · 3.82% → 3.95% ▲ 0.13 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% APYOct 12, 2026: 3.95% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20263.95%▼ from 4.02%
  • Oct 4, 20264.02%▲ from 3.92%
  • Sep 18, 20263.92%▲ from 3.82%
  • Sep 14, 20263.82%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
2 Year Business Share Certificates
$0
3.95% ▲ 0.88% above Tennessee avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.07%▲ 0.88% 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 14, 2026
EPB Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.26%
2 1/2-Year CD
$0
3.95% ▲ 0.88% above Tennessee avg
View
▼
Rate3.95%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.07%▲ 0.88% 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 14, 2026
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
2 Year Share Certificate
$1,000
3.92% ▲ 0.85% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.07%▲ 0.85% 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 14, 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% ▲ 0.83% above Tennessee avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.07%▲ 0.83% 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 14, 2026
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.20%
Certificate - 24 Months
$0
3.80% ▲ 0.73% above Tennessee avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average3.07%▲ 0.73% above avgNationally 2.88%
Details

Dividend Rate: 3.75%; Penalty: 180 days' interest for early withdrawal

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 14, 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%
Business CDs & IRAs - 24 Months
$2,500
3.75% ▲ 0.68% above Tennessee avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.07%▲ 0.68% above avgNationally 2.88%
Details

Penalties for early withdrawal may apply

Rate History
No change since Oct 14, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 14, 2026
Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
CDs & IRAs - 24 Months
$2,500
3.75% ▲ 0.68% above Tennessee avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.07%▲ 0.68% above avgNationally 2.88%
Details

Minimum to Open/Obtain APY: $2,500.00; Penalties for early withdrawal may apply

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 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 14, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
EPB Employees Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 26.26%
1 1/2 Year-CD
$0
3.75% ▲ 0.68% above Tennessee avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.07%▲ 0.68% 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 14, 2026
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
24 Month Certificate Account with Rewards
$500
3.75% ▲ 0.68% above Tennessee avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average3.07%▲ 0.68% above avgNationally 2.88%
Details

Rewards version; Dividend Rate & Annual Percentage Yield column (single value printed)

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 14, 2026
  • Oct 5, 20263.75%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
Short-Term Certificate (Share, IRA, ESA) - 24 Months
$0
3.70% ▲ 0.63% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.07%▲ 0.63% above avgNationally 2.88%
Details

$100K Minimum APY tier; Rates as of Oct 13, 2026 ET; Dividends compounded daily, credited monthly; Penalties apply for early withdrawals

Rate History
No change since Oct 14, 2026 · 3.70% APY
3.20%3.70%4.20%Oct 14, 2026: 3.70% APYOct 14, 2026Oct 14, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 24 Months Fixed
$1,000
3.70% ▲ 0.63% above Tennessee avg
View
▼
Rate3.65%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.07%▲ 0.63% above avgNationally 2.88%
Details

Compounding: dividend rate 3.65%, APY compounding 3.70%

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 14, 2026
  • Oct 4, 20263.70%▲ from 3.60%
  • Sep 18, 20263.60%▲ from 3.49%
  • Sep 14, 20263.49%first recorded

Woodlawn 36 Month CD Rates

Tennessee 36 Month CD Average2.89% APYNational 2.81%▲ 0.04% 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 Share Certificates (CDs) - Jumbo
$1,000
4.93% ▲ 2.04% above Tennessee avg
View
▼
Rate4.81%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.89%▲ 2.04% above avgNationally 2.81%
Details

Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more.

Rate History
No change since Oct 13, 2026 · 4.93% APY
4.43%4.93%5.43%Oct 13, 2026: 4.93% APYOct 13, 2026Oct 14, 2026
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 14, 2026
Tennessee Average2.89%▲ 1.61% above avgNationally 2.81%
Details

IRA; Minimum deposit $500 required; Certificate Rates

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 14, 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 14, 2026
Tennessee Average2.89%▲ 1.61% above avgNationally 2.81%
Details

Minimum deposit $500 required; Certificate Rates

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 14, 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 Months CD with 1x Bump
$10,000
4.25% ▲ 1.36% above Tennessee avg
View
▼
RateN/A
Min Deposit$10,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.89%▲ 1.36% above avgNationally 2.81%
Details

APYs stated effective 08/18/26; offer subject to change at any time. One-time rate bump during the CD term, with the new rate set by the book rate for a 36 month CD and effective for the remaining CD term. APY assumes interest remains on deposit until maturity. Early withdrawal penalties may apply. Not available to financial institutions or public funds. Certificate of Deposit page lists $2,000 minimum to open.

Rate History
No change since Oct 2, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 2, 2026: 4.25% APYOct 2, 2026Oct 14, 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 14, 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 14, 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 14, 2026
Tennessee Average2.89%▲ 1.29% above avgNationally 2.81%
Details

Balance: $100,000.00 and over; Jumbo IRA

Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 7 times
3.68%4.18%4.68%Sep 14, 2026: 4.18% APYSep 14, 2026Oct 14, 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 14, 2026
Tennessee Average2.89%▲ 1.29% above avgNationally 2.81%
Details

Balance: $100,000.00 and over; Jumbo IRA

Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 7 times
3.68%4.18%4.68%Sep 14, 2026: 4.18% APYSep 14, 2026Oct 14, 2026
Scenic Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.48%
36 Month Certificates
$0
4.16% ▲ 1.27% above Tennessee avg
View
▼
Rate4.10%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 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 14, 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
$0
4.15% ▲ 1.26% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.89%▲ 1.26% above avgNationally 2.81%
Details

Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.15% APY · checked 4 times
3.65%4.15%4.65%Sep 30, 2026: 4.15% APYSep 30, 2026Oct 14, 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 14, 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 14, 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 14, 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 14, 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
$100,000
4.13% ▲ 1.24% above Tennessee avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.89%▲ 1.24% above avgNationally 2.81%
Details

Compounding: dividend rate 4.05%, APY compounding 4.13%

Rate History
2 changes since Sep 14, 2026 · 3.92% → 4.13% ▲ 0.21 pts · high 4.13% / low 3.92%
3.42%4.03%4.63%Sep 14, 2026: 3.92% APYSep 18, 2026: 4.02% APYOct 4, 2026: 4.13% APYSep 14, 2026Oct 14, 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 14, 2026
Tennessee Average2.89%▲ 1.24% above avgNationally 2.81%
Details

Jumbo Certificate; Balance: $100,000 or more

Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 3 times
3.63%4.13%4.63%Sep 14, 2026: 4.13% APYSep 14, 2026Oct 14, 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 14, 2026
Tennessee Average2.89%▲ 1.24% above avgNationally 2.81%
Details

Balance: $500.00 - $99,999.99; Regular IRA

Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 7 times
3.63%4.13%4.63%Sep 14, 2026: 4.13% APYSep 14, 2026Oct 14, 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 14, 2026
Tennessee Average2.89%▲ 1.24% above avgNationally 2.81%
Details

Balance: $500.00 - $99,999.99; Regular IRA

Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 7 times
3.63%4.13%4.63%Sep 14, 2026: 4.13% APYSep 14, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
3 Year ESA Long-Term Certificate
$0
4.10% ▲ 1.21% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.89%▲ 1.21% above avgNationally 2.81%
Details

Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 4.10% APY · checked 4 times
3.60%4.10%4.60%Sep 30, 2026: 4.10% APYSep 30, 2026Oct 14, 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 14, 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 Account
$0
4.10% ▲ 1.21% above Tennessee avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.89%▲ 1.21% above avgNationally 2.81%
Details

Dividend Compound: Monthly

Rate History
No change since Oct 14, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 14, 2026
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
36 Month IRA Certificate Account
$0
4.10% ▲ 1.21% above Tennessee avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.89%▲ 1.21% above avgNationally 2.81%
Details

Dividend Compound: Monthly

Rate History
No change since Oct 14, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 14, 2026
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Business Certificate Accounts - 36 Month Certificate Account
$0
4.10% ▲ 1.21% above Tennessee avg
View
▼
Rate4.02%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.89%▲ 1.21% above avgNationally 2.81%
Details

Dividend Compound: Monthly

Rate History
No change since Oct 14, 2026 · 4.10% APY
3.60%4.10%4.60%Oct 14, 2026: 4.10% APYOct 14, 2026Oct 14, 2026
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 14, 2026
Tennessee Average2.89%▲ 1.18% above avgNationally 2.81%
Details

Regular Certificate; Balance: $500 - $99,999.99

Rate History
No change since Sep 14, 2026 · 4.07% APY · checked 3 times
3.57%4.07%4.57%Sep 14, 2026: 4.07% APYSep 14, 2026Oct 14, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 36 Months Fixed
$100,000
4.05% ▲ 1.16% above Tennessee avg
View
▼
Rate4.05%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.89%▲ 1.16% above avgNationally 2.81%
Details

Non-Compounding: dividend rate 4.05%, APY non-compounding 4.05%

Rate History
3 changes since Sep 14, 2026 · 3.92% → 4.05% ▲ 0.13 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% APYOct 12, 2026: 4.05% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20264.05%▼ from 4.13%
  • Oct 4, 20264.13%▲ from 4.02%
  • Sep 18, 20264.02%▲ from 3.92%
  • Sep 14, 20263.92%first recorded
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.81%
36 Month Certificate
$1,000
4.05% ▲ 1.16% above Tennessee avg
View
▼
Rate3.98%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.89%▲ 1.16% above avgNationally 2.81%
Details

Paid monthly

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 14, 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 14, 2026
  • Oct 9, 20264.05%▲ from 4.00%
  • Sep 14, 20264.00%first recorded
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
2 - 3 Year Business Investment Certificate - Jumbo
$100,000
4.05% ▲ 1.16% above Tennessee avg
View
▼
Rate3.98%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.89%▲ 1.16% above avgNationally 2.81%
Details

$100k; Term: 2 to 3 Years (730 to 1,094 days); Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Oct 14, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 14, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
2 - 3 Year Investment Certificate - Jumbo
$0
4.05% ▲ 1.16% above Tennessee avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.89%▲ 1.16% above avgNationally 2.81%
Details

Term: 2 to 3 Years (730 to 1,094 days); Jumbo ($100k Minimum); Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Oct 14, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 14, 2026
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
36 Month Share Certificate
$1,000
4.02% ▲ 1.13% above Tennessee avg
View
▼
Rate3.95%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.89%▲ 1.13% above avgNationally 2.81%
Details

Rates effective as of 01/27/2026

Rate History
No change since Oct 13, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 13, 2026: 4.02% APYOct 13, 2026Oct 14, 2026
Jack Daniel Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
IRA Account - 36 Months
$2,000
4.02% ▲ 1.13% above Tennessee avg
View
▼
Rate3.95%
Min Deposit$2,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.89%▲ 1.13% above avgNationally 2.81%
Details

Rates effective as of 01/27/2026

Rate History
No change since Oct 13, 2026 · 4.02% APY
3.52%4.02%4.52%Oct 13, 2026: 4.02% APYOct 13, 2026Oct 14, 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 14, 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 14, 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 14, 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 14, 2026
Tennessee Average2.89%▲ 1.11% above avgNationally 2.81%
Details

Term: 2 to 3 Years (730 to 1,094 days); Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 14, 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 14, 2026
Tennessee Average2.89%▲ 1.11% above avgNationally 2.81%
Details

Term: 2 to 3 Years (730 to 1,094 days); 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 14, 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 14, 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 14, 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 12, 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 14, 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 12, 2026
Tennessee Average2.89%▲ 1.03% above avgNationally 2.81%
Details

Rate History
No change since Oct 8, 2026 · 3.92% APY · checked 2 times
3.42%3.92%4.42%Oct 8, 2026: 3.92% APYOct 8, 2026Oct 14, 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 14, 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 14, 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 14, 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 13, 2026
Tennessee Average2.89%▲ 0.96% above avgNationally 2.81%
Details

Dividend Rate & Annual Percentage Yield column (single value printed)

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 14, 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
$1,000
3.80% ▲ 0.91% above Tennessee avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.89%▲ 0.91% above avgNationally 2.81%
Details

Compounding: dividend rate 3.75%, APY compounding 3.80%

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 14, 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 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 12, 2026
Tennessee Average2.89%▲ 0.91% above avgNationally 2.81%
Details

Traditional IRAs and Roth IRA Certificates

Rate History
No change since Oct 12, 2026 · 3.80% APY
3.30%3.80%4.30%Oct 12, 2026: 3.80% APYOct 12, 2026Oct 14, 2026
Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Business CDs & IRAs - 36 Months
$2,500
3.75% ▲ 0.86% above Tennessee avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.89%▲ 0.86% above avgNationally 2.81%
Details

Penalties for early withdrawal may apply

Rate History
No change since Oct 14, 2026 · 3.75% APY
3.25%3.75%4.25%Oct 14, 2026: 3.75% APYOct 14, 2026Oct 14, 2026
Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
CDs & IRAs - 36 Months
$2,500
3.75% ▲ 0.86% above Tennessee avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.89%▲ 0.86% above avgNationally 2.81%
Details

Minimum to Open/Obtain APY: $2,500.00; Penalties for early withdrawal may apply

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 14, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 14, 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 - 36 Months Fixed
$1,000
3.75% ▲ 0.86% above Tennessee avg
View
▼
Rate3.75%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.89%▲ 0.86% above avgNationally 2.81%
Details

Non-Compounding: dividend rate 3.75%, APY non-compounding 3.75%

Rate History
3 changes since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 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% APYOct 12, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20263.75%▼ from 3.80%
  • 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%
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 12, 2026
Tennessee Average2.89%▲ 0.81% above avgNationally 2.81%
Details

Compounding: dividend rate 3.65%, APY compounding 3.70%

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 14, 2026
  • Oct 4, 20263.70%▲ from 3.60%
  • Sep 18, 20263.60%▲ from 3.49%
  • Sep 14, 20263.49%first recorded

Woodlawn 48 Month CD Rates

Tennessee 48 Month CD Average2.84% APYNational 2.80%▲ 0.02% 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% ▲ 1.39% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.84%▲ 1.39% above avgNationally 2.80%
Details

Balance: $100,000.00 and over; Jumbo IRA

Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 7 times
3.73%4.23%4.73%Sep 14, 2026: 4.23% APYSep 14, 2026Oct 14, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Roth IRA 48 Month Certificate
$0
4.23% ▲ 1.39% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.84%▲ 1.39% above avgNationally 2.80%
Details

Balance: $100,000.00 and over; Jumbo IRA

Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 7 times
3.73%4.23%4.73%Sep 14, 2026: 4.23% APYSep 14, 2026Oct 14, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 48 Months Fixed
$100,000
4.18% ▲ 1.34% above Tennessee avg
View
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.84%▲ 1.34% above avgNationally 2.80%
Details

Compounding: dividend rate 4.10%, APY compounding 4.18%

Rate History
2 changes since Sep 14, 2026 · 3.97% → 4.18% ▲ 0.21 pts · high 4.18% / low 3.97%
3.47%4.08%4.68%Sep 14, 2026: 3.97% APYSep 18, 2026: 4.07% APYOct 4, 2026: 4.18% APYSep 14, 2026Oct 14, 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% ▲ 1.34% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.84%▲ 1.34% above avgNationally 2.80%
Details

Jumbo Certificate; Balance: $100,000 or more

Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 3 times
3.68%4.18%4.68%Sep 14, 2026: 4.18% APYSep 14, 2026Oct 14, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
IRA 48 Month Certificate
$0
4.18% ▲ 1.34% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.84%▲ 1.34% above avgNationally 2.80%
Details

Balance: $500.00 - $99,999.99; Regular IRA

Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 7 times
3.68%4.18%4.68%Sep 14, 2026: 4.18% APYSep 14, 2026Oct 14, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Roth IRA 48 Month Certificate
$0
4.18% ▲ 1.34% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.84%▲ 1.34% above avgNationally 2.80%
Details

Balance: $500.00 - $99,999.99; Regular IRA

Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 7 times
3.68%4.18%4.68%Sep 14, 2026: 4.18% APYSep 14, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48 Month CD
$0
4.15% ▲ 1.31% above Tennessee avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.84%▲ 1.31% above avgNationally 2.80%
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 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48 Month Certificate of Deposit
$1,000
4.15% ▲ 1.31% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.84%▲ 1.31% above avgNationally 2.80%
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 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
48-Month IRA
$1,000
4.15% ▲ 1.31% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.84%▲ 1.31% above avgNationally 2.80%
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 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 48-Month
$1,000
4.15% ▲ 1.31% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average2.84%▲ 1.31% above avgNationally 2.80%
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 14, 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 Account
$0
4.15% ▲ 1.31% above Tennessee avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.84%▲ 1.31% above avgNationally 2.80%
Details

Dividend Compound: Monthly

Rate History
No change since Oct 14, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 14, 2026
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
48 Month IRA Certificate Account
$0
4.15% ▲ 1.31% above Tennessee avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.84%▲ 1.31% above avgNationally 2.80%
Details

Dividend Compound: Monthly

Rate History
No change since Oct 14, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 14, 2026
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Business Certificate Accounts - 48 Month Certificate Account
$0
4.15% ▲ 1.31% above Tennessee avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.84%▲ 1.31% above avgNationally 2.80%
Details

Dividend Compound: Monthly

Rate History
No change since Oct 14, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 14, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
48 Month Certificate
$0
4.13% ▲ 1.29% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.84%▲ 1.29% above avgNationally 2.80%
Details

Regular Certificate; Balance: $500 - $99,999.99

Rate History
No change since Sep 14, 2026 · 4.13% APY · checked 3 times
3.63%4.13%4.63%Sep 14, 2026: 4.13% APYSep 14, 2026Oct 14, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 48 Months Fixed
$100,000
4.10% ▲ 1.26% above Tennessee avg
View
▼
Rate4.10%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.84%▲ 1.26% above avgNationally 2.80%
Details

Non-Compounding: dividend rate 4.10%, APY non-compounding 4.10%

Rate History
3 changes since Sep 14, 2026 · 3.97% → 4.10% ▲ 0.13 pts · high 4.18% / low 3.97%
3.47%4.08%4.68%Sep 14, 2026: 3.97% APYSep 18, 2026: 4.07% APYOct 4, 2026: 4.18% APYOct 12, 2026: 4.10% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20264.10%▼ from 4.18%
  • Oct 4, 20264.18%▲ from 4.07%
  • Sep 18, 20264.07%▲ from 3.97%
  • Sep 14, 20263.97%first recorded
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
3 - 4 Year Business Investment Certificate - Jumbo
$100,000
4.05% ▲ 1.21% above Tennessee avg
View
▼
Rate3.98%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.84%▲ 1.21% above avgNationally 2.80%
Details

$100k; Term: 3 to 4 Years (1,095 to 1,460 days); Early Withdrawal Penalty: 240 Days' Dividends

Rate History
No change since Oct 14, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 14, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
3 - 4 Year Investment Certificate - Jumbo
$0
4.05% ▲ 1.21% above Tennessee avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.84%▲ 1.21% above avgNationally 2.80%
Details

Term: 3 to 4 Years (1,095 to 1,460 days); Jumbo ($100k Minimum); Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Oct 14, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 14, 2026
Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Business CDs & IRAs - 48 Months
$2,500
4.00% ▲ 1.16% above Tennessee avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.84%▲ 1.16% above avgNationally 2.80%
Details

Penalties for early withdrawal may apply

Rate History
No change since Oct 14, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 14, 2026
Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
CDs & IRAs - 48 Months
$2,500
4.00% ▲ 1.16% above Tennessee avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.84%▲ 1.16% above avgNationally 2.80%
Details

Minimum to Open/Obtain APY: $2,500.00; Penalties for early withdrawal may apply

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 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 14, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
3 - 4 Year Business Investment Certificate
$1,000
4.00% ▲ 1.16% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.84%▲ 1.16% above avgNationally 2.80%
Details

Term: 3 to 4 Years (1,095 to 1,460 days); Early Withdrawal Penalty: 240 Days' Dividends

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
3 - 4 Year Investment Certificate
$1,000
4.00% ▲ 1.16% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.84%▲ 1.16% above avgNationally 2.80%
Details

Term: 3 to 4 Years (1,095 to 1,460 days); Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 14, 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% ▲ 1.13% above Tennessee avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.84%▲ 1.13% above avgNationally 2.80%
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 14, 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% ▲ 1.13% above Tennessee avg
View
▼
Rate3.90%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.84%▲ 1.13% above avgNationally 2.80%
Details

Rate History
No change since Oct 8, 2026 · 3.97% APY · checked 2 times
3.47%3.97%4.47%Oct 8, 2026: 3.97% APYOct 8, 2026Oct 14, 2026
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
48 Month Certificate Account
$0
3.95% ▲ 1.11% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.84%▲ 1.11% above avgNationally 2.80%
Details

Dividend Rate & Annual Percentage Yield column (single value printed)

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 14, 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
$1,000
3.85% ▲ 1.01% above Tennessee avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.84%▲ 1.01% above avgNationally 2.80%
Details

Compounding: dividend rate 3.80%, APY compounding 3.85%

Rate History
2 changes since Sep 14, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65%
3.15%3.75%4.35%Sep 14, 2026: 3.65% APYSep 18, 2026: 3.75% APYOct 4, 2026: 3.85% APYSep 14, 2026Oct 14, 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 and Roth IRA Certificate - 48 Months Fixed
$0
3.85% ▲ 1.01% above Tennessee avg
View
▼
Rate3.80%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.84%▲ 1.01% above avgNationally 2.80%
Details

Traditional IRAs and Roth IRA Certificates

Rate History
No change since Oct 12, 2026 · 3.85% APY
3.35%3.85%4.35%Oct 12, 2026: 3.85% APYOct 12, 2026Oct 14, 2026
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
4 Year Share Certificate
$1,000
3.82% ▲ 0.98% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.84%▲ 0.98% above avgNationally 2.80%
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 14, 2026
  • Oct 9, 20263.82%▲ from 3.55%
  • Sep 21, 20263.55%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 48 Months Fixed
$1,000
3.80% ▲ 0.96% above Tennessee avg
View
▼
Rate3.80%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.84%▲ 0.96% above avgNationally 2.80%
Details

Non-Compounding: dividend rate 3.80%, APY non-compounding 3.80%

Rate History
3 changes since Sep 14, 2026 · 3.65% → 3.80% ▲ 0.15 pts · high 3.85% / low 3.65%
3.15%3.75%4.35%Sep 14, 2026: 3.65% APYSep 18, 2026: 3.75% APYOct 4, 2026: 3.85% APYOct 12, 2026: 3.80% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20263.80%▼ from 3.85%
  • Oct 4, 20263.85%▲ from 3.75%
  • Sep 18, 20263.75%▲ from 3.65%
  • Sep 14, 20263.65%first recorded
New South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
48 Month Certificate
$0
3.80% ▲ 0.96% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average2.84%▲ 0.96% above avgNationally 2.80%
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 14, 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% ▲ 0.91% above Tennessee avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.84%▲ 0.91% above avgNationally 2.80%
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 14, 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% ▲ 0.91% above Tennessee avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.84%▲ 0.91% above avgNationally 2.80%
Details

Compounding: dividend rate 3.70%, APY compounding 3.75%

Rate History
2 changes since Sep 14, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55%
3.05%3.65%4.25%Sep 14, 2026: 3.55% APYSep 18, 2026: 3.65% APYOct 4, 2026: 3.75% APYSep 14, 2026Oct 14, 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
$1,000
3.75% ▲ 0.91% above Tennessee avg
View
▼
Rate3.69%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.84%▲ 0.91% above avgNationally 2.80%
Details

Paid monthly

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 14, 2026
  • Oct 5, 20263.75%▲ from 3.40%
  • Sep 14, 20263.40%first recorded
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Member's Choice Share Certificate - 48 Months Fixed
$0
3.70% ▲ 0.86% above Tennessee avg
View
▼
Rate3.70%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.84%▲ 0.86% above avgNationally 2.80%
Details

Non-Compounding: dividend rate 3.70%, APY non-compounding 3.70%

Rate History
3 changes since Sep 14, 2026 · 3.55% → 3.70% ▲ 0.15 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% APYOct 12, 2026: 3.70% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20263.70%▼ from 3.75%
  • Oct 4, 20263.75%▲ from 3.65%
  • Sep 18, 20263.65%▲ from 3.55%
  • Sep 14, 20263.55%first recorded
Clinchfield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.92%
48 Month Share Certificate
$1,000
3.60% ▲ 0.76% above Tennessee avg
View
▼
Rate3.54%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.84%▲ 0.76% above avgNationally 2.80%
Details

Dividend credited monthly; Early withdrawal penalty: 180 days of dividends

Rate History
No change since Sep 14, 2026 · 3.60% APY · checked 4 times
3.10%3.60%4.10%Sep 14, 2026: 3.60% APYSep 14, 2026Oct 14, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
4 Year Fixed IRA
$1,000
3.55% ▲ 0.71% above Tennessee avg
View
▼
Rate3.49%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.84%▲ 0.71% above avgNationally 2.80%
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 14, 2026
Liberty Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.97%
4 Year Certificate
$1,000
3.50% ▲ 0.66% above Tennessee avg
View
▼
Rate3.44%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.84%▲ 0.66% above avgNationally 2.80%
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 14, 2026
United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.76%
48 Month Share Certificate
$1,000
3.50% ▲ 0.66% above Tennessee avg
View
▼
Rate3.46%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.84%▲ 0.66% above avgNationally 2.80%
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 14, 2026
Orion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
48 Month Share Certificate
$500
3.50% ▲ 0.66% above Tennessee avg
View
▼
Rate3.45%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.84%▲ 0.66% above avgNationally 2.80%
Details

Early withdrawal fees apply.

Rate History
No change since Oct 13, 2026 · 3.50% APY
3.00%3.50%4.00%Oct 13, 2026: 3.50% APYOct 13, 2026Oct 14, 2026
Greater Eastern Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.62%
Certificates of Deposit - 48 months
$0
3.50% ▲ 0.66% above Tennessee avg
View
▼
Rate3.46%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.84%▲ 0.66% above avgNationally 2.80%
Details

Frequency of Compounding: Quarterly

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 14, 2026
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
48 Month Jumbo Certificate
$250,000
3.39% ▲ 0.55% above Tennessee avg
View
▼
Rate3.35%
Min Deposit$250,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.84%▲ 0.55% above avgNationally 2.80%
Details

Effective 10/9/26 - 10/15/26; Share Savings account required

Rate History
No change since Sep 14, 2026 · 3.39% APY · checked 5 times
2.89%3.39%3.89%Sep 14, 2026: 3.39% APYSep 14, 2026Oct 14, 2026
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
48 Month IRA Certificate
$500
3.29% ▲ 0.45% above Tennessee avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.84%▲ 0.45% above avgNationally 2.80%
Details

Effective 10/9/26 - 10/15/26; Share Savings account required

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 14, 2026
Listerhill Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.96%
48 Month Standard Certificate
$500
3.29% ▲ 0.45% above Tennessee avg
View
▼
Rate3.25%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.84%▲ 0.45% above avgNationally 2.80%
Details

Effective 10/9/26 - 10/15/26; Share Savings account required

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 14, 2026
Koin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.05%
48 Month Certificate
$0
3.29% ▲ 0.45% above Tennessee avg
View
▼
Rate3.25%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.84%▲ 0.45% above avgNationally 2.80%
Details

Term Certificates; Certificate rates are reviewed on a weekly basis and can change without notice. Rates current as of 09/28/2026.

Rate History
No change since Sep 14, 2026 · 3.29% APY · checked 7 times
2.79%3.29%3.79%Sep 14, 2026: 3.29% APYSep 14, 2026Oct 14, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
48 Month Certificate of Deposit
$0
3.25% ▲ 0.41% above Tennessee avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.84%▲ 0.41% above avgNationally 2.80%
Details

CD Term (Minimum Balance $500)

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 2, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
  • Oct 2, 20263.25%▲ from 2.90%
  • Sep 14, 20262.90%first recorded
Gateway First Bank
Institution Rating:
B+4.8 ★Texas Ratio: 17.16%
CD - 48 months
$0
3.25% ▲ 0.41% above Tennessee avg
View
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.84%▲ 0.41% above avgNationally 2.80%
Details

Rate History
No change since Oct 2, 2026 · 3.25% APY · checked 2 times
2.75%3.25%3.75%Oct 2, 2026: 3.25% APYOct 2, 2026Oct 14, 2026
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.91%
4 Year Certificate
$500
3.25% ▲ 0.41% above Tennessee avg
View
▼
RateN/A
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.84%▲ 0.41% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 7 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 14, 2026
MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.82%
48 Month Share Certificate
$1,000
3.03% ▲ 0.19% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.84%▲ 0.19% above avgNationally 2.80%
Details

Rate History
No change since Sep 18, 2026 · 3.03% APY · checked 2 times
2.53%3.03%3.53%Sep 18, 2026: 3.03% APYSep 18, 2026Oct 14, 2026
Parthenon Federal Credit Union
Institution Rating:
C4.0 ★Texas Ratio: 27.11%
4 Year Certificate of Deposit
$500
3.00% ▲ 0.16% above Tennessee avg
View
▼
Rate3.00%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average2.84%▲ 0.16% above avgNationally 2.80%
Details

Rates effective as of 2/17/2025; $50.00 minimum balance required in share account to open certificate account; penalty applied for early withdrawal

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 14, 2026
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
48 Month Share Certificate
$0
3.00% ▲ 0.16% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average2.84%▲ 0.16% above avgNationally 2.80%
Details

Balance: $50,000 & up; Dividends Paid Monthly

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 14, 2026
TNConnect Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
48 Month Tailored Certificate
$1,000
3.00% ▲ 0.16% above Tennessee avg
View
▼
Rate2.96%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average2.84%▲ 0.16% above avgNationally 2.80%
Details

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 14, 2026

Woodlawn 60 Month CD Rates

Tennessee 60 Month CD Average3.05% APYNational 2.91%▲ 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%
60 Month Share Certificates (CDs) - Jumbo
$1,000
4.95% ▲ 1.90% above Tennessee avg
View
▼
Rate4.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average3.05%▲ 1.90% above avgNationally 2.91%
Details

Jumbo rate; Standard jumbo rates are available on deposits of $95,000 or more.

Rate History
No change since Oct 13, 2026 · 4.95% APY
4.45%4.95%5.45%Oct 13, 2026: 4.95% APYOct 13, 2026Oct 14, 2026
ORNL Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.18%
60-Month IRA PROMOTIONAL Certificate
$500
4.50% ▲ 1.45% above Tennessee avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.05%▲ 1.45% above avgNationally 2.91%
Details

IRA; Minimum deposit $500 required; Certificate Rates

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 14, 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% ▲ 1.45% above Tennessee avg
View
▼
Rate4.41%
Min Deposit$500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.05%▲ 1.45% above avgNationally 2.91%
Details

Minimum deposit $500 required; Certificate Rates

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 14, 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% ▲ 1.23% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.05%▲ 1.23% above avgNationally 2.91%
Details

Balance: $100,000.00 and over; Jumbo IRA

Rate History
No change since Sep 14, 2026 · 4.28% APY · checked 7 times
3.78%4.28%4.78%Sep 14, 2026: 4.28% APYSep 14, 2026Oct 14, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Roth IRA 5 Year Certificate
$0
4.28% ▲ 1.23% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.05%▲ 1.23% above avgNationally 2.91%
Details

Balance: $100,000.00 and over; Jumbo IRA

Rate History
No change since Sep 14, 2026 · 4.28% APY · checked 7 times
3.78%4.28%4.78%Sep 14, 2026: 4.28% APYSep 14, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
60 Month CD
$0
4.25% ▲ 1.20% above Tennessee avg
View
▼
Rate4.16%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average3.05%▲ 1.20% above avgNationally 2.91%
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 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
60 Month Certificate of Deposit
$1,000
4.25% ▲ 1.20% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average3.05%▲ 1.20% above avgNationally 2.91%
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 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
60-Month IRA
$1,000
4.25% ▲ 1.20% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average3.05%▲ 1.20% above avgNationally 2.91%
Details

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

Rate History
No change since Oct 7, 2026 · 4.25% APY · checked 2 times
3.75%4.25%4.75%Oct 7, 2026: 4.25% APYOct 7, 2026Oct 14, 2026
Republic Bank & Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.91%
IRA - Individual Retirement Accounts 60-Month
$1,000
4.25% ▲ 1.20% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 11, 2026
Tennessee Average3.05%▲ 1.20% above avgNationally 2.91%
Details

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

Rate History
1 change since Sep 14, 2026 · 3.75% → 4.25% ▲ 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 14, 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
$100,000
4.23% ▲ 1.18% above Tennessee avg
View
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.05%▲ 1.18% above avgNationally 2.91%
Details

Compounding: dividend rate 4.15%, APY compounding 4.23%

Rate History
2 changes since Sep 14, 2026 · 4.02% → 4.23% ▲ 0.21 pts · high 4.23% / low 4.02%
3.52%4.13%4.73%Sep 14, 2026: 4.02% APYSep 18, 2026: 4.13% APYOct 4, 2026: 4.23% APYSep 14, 2026Oct 14, 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% ▲ 1.18% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.05%▲ 1.18% above avgNationally 2.91%
Details

Jumbo Certificate; Balance: $100,000 or more

Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 3 times
3.73%4.23%4.73%Sep 14, 2026: 4.23% APYSep 14, 2026Oct 14, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
IRA 5 Year Certificate
$0
4.23% ▲ 1.18% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.05%▲ 1.18% above avgNationally 2.91%
Details

Balance: $500.00 - $99,999.99; Regular IRA

Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 7 times
3.73%4.23%4.73%Sep 14, 2026: 4.23% APYSep 14, 2026Oct 14, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
Roth IRA 5 Year Certificate
$0
4.23% ▲ 1.18% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.05%▲ 1.18% above avgNationally 2.91%
Details

Balance: $500.00 - $99,999.99; Regular IRA

Rate History
No change since Sep 14, 2026 · 4.23% APY · checked 7 times
3.73%4.23%4.73%Sep 14, 2026: 4.23% APYSep 14, 2026Oct 14, 2026
US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.93%
5 Year Certificate
$0
4.18% ▲ 1.13% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.05%▲ 1.13% above avgNationally 2.91%
Details

Regular Certificate; Balance: $500 - $99,999.99

Rate History
No change since Sep 14, 2026 · 4.18% APY · checked 3 times
3.68%4.18%4.68%Sep 14, 2026: 4.18% APYSep 14, 2026Oct 14, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Jumbo Certificate - 60 Months Fixed
$100,000
4.15% ▲ 1.10% above Tennessee avg
View
▼
Rate4.15%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.05%▲ 1.10% above avgNationally 2.91%
Details

Non-Compounding: dividend rate 4.15%, APY non-compounding 4.15%

Rate History
3 changes since Sep 14, 2026 · 4.02% → 4.15% ▲ 0.13 pts · high 4.23% / low 4.02%
3.52%4.13%4.73%Sep 14, 2026: 4.02% APYSep 18, 2026: 4.13% APYOct 4, 2026: 4.23% APYOct 12, 2026: 4.15% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20264.15%▼ from 4.23%
  • Oct 4, 20264.23%▲ from 4.13%
  • Sep 18, 20264.13%▲ from 4.02%
  • Sep 14, 20264.02%first recorded
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
60 Month Certificate Account
$0
4.15% ▲ 1.10% above Tennessee avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.05%▲ 1.10% above avgNationally 2.91%
Details

Dividend Compound: Monthly

Rate History
No change since Oct 14, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 14, 2026
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
60 Month IRA Certificate Account
$0
4.15% ▲ 1.10% above Tennessee avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.05%▲ 1.10% above avgNationally 2.91%
Details

Dividend Compound: Monthly

Rate History
No change since Oct 14, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 14, 2026
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.34%
Business Certificate Accounts - 60 Month Certificate Account
$0
4.15% ▲ 1.10% above Tennessee avg
View
▼
Rate4.07%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.05%▲ 1.10% above avgNationally 2.91%
Details

Dividend Compound: Monthly

Rate History
No change since Oct 14, 2026 · 4.15% APY
3.65%4.15%4.65%Oct 14, 2026: 4.15% APYOct 14, 2026Oct 14, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 5 Year
$0
4.10% ▲ 1.05% above Tennessee avg
View
▼
Rate4.03%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.05%▲ 1.05% above avgNationally 2.91%
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 14, 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% ▲ 1.02% above Tennessee avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.05%▲ 1.02% above avgNationally 2.91%
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 14, 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% ▲ 1.02% above Tennessee avg
View
▼
Rate4.00%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.05%▲ 1.02% above avgNationally 2.91%
Details

Rate History
No change since Oct 8, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 8, 2026: 4.07% APYOct 8, 2026Oct 14, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
Retirement Liquid Share Certificates - 5 Year
$0
4.05% ▲ 1.00% above Tennessee avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.05%▲ 1.00% above avgNationally 2.91%
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 14, 2026
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
60 Month Certificate Account
$0
4.05% ▲ 1.00% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 13, 2026
Tennessee Average3.05%▲ 1.00% above avgNationally 2.91%
Details

Dividend Rate & Annual Percentage Yield column (single value printed)

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 14, 2026
  • Oct 1, 20264.05%▲ from 3.80%
  • Sep 14, 20263.80%first recorded
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
4 - 5 Year Business Investment Certificate - Jumbo
$100,000
4.05% ▲ 1.00% above Tennessee avg
View
▼
Rate3.98%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.05%▲ 1.00% above avgNationally 2.91%
Details

$100k; Term: 4 to 5 Years (1,461 to 1,825 days); Early Withdrawal Penalty: 240 Days' Dividends

Rate History
No change since Oct 14, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 14, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
4 - 5 Year Investment Certificate - Jumbo
$0
4.05% ▲ 1.00% above Tennessee avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.05%▲ 1.00% above avgNationally 2.91%
Details

Term: 4 to 5 Years (1,461 to 1,825 days); Jumbo ($100k Minimum); Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Oct 14, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 14, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
5 Year Business Investment Certificate - Jumbo
$100,000
4.05% ▲ 1.00% above Tennessee avg
View
▼
Rate3.98%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.05%▲ 1.00% above avgNationally 2.91%
Details

$100k; Term: 5 Years (1,826 to 2,190 days); Early Withdrawal Penalty: 240 Days' Dividends

Rate History
No change since Oct 14, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 14, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
5 Year Investment Certificate - Jumbo
$0
4.05% ▲ 1.00% above Tennessee avg
View
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.05%▲ 1.00% above avgNationally 2.91%
Details

Term: 5 Years (1,826 to 2,190 days); Jumbo ($100k Minimum); Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Oct 14, 2026 · 4.05% APY
3.55%4.05%4.55%Oct 14, 2026: 4.05% APYOct 14, 2026Oct 14, 2026
Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
Business CDs & IRAs - 60 Months
$2,500
4.00% ▲ 0.95% above Tennessee avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.05%▲ 0.95% above avgNationally 2.91%
Details

Penalties for early withdrawal may apply

Rate History
No change since Oct 14, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 14, 2026
Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.25%
CDs & IRAs - 60 Months
$2,500
4.00% ▲ 0.95% above Tennessee avg
View
▼
RateN/A
Min Deposit$2,500
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.05%▲ 0.95% above avgNationally 2.91%
Details

Minimum to Open/Obtain APY: $2,500.00; Penalties for early withdrawal may apply

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 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
  • Oct 14, 20264.00%▲ from 3.50%
  • Sep 14, 20263.50%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Business Share Certificates
$0
4.00% ▲ 0.95% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.05%▲ 0.95% above avgNationally 2.91%
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 14, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Retirement Liquid Share Certificates
$0
4.00% ▲ 0.95% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.05%▲ 0.95% above avgNationally 2.91%
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 14, 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% ▲ 0.95% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$100,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.05%▲ 0.95% above avgNationally 2.91%
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 14, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
4 - 5 Year Business Investment Certificate
$1,000
4.00% ▲ 0.95% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.05%▲ 0.95% above avgNationally 2.91%
Details

Term: 4 to 5 Years (1,461 to 1,825 days); Early Withdrawal Penalty: 240 Days' Dividends

Rate History
No change since Sep 18, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 18, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
4 - 5 Year Investment Certificate
$1,000
4.00% ▲ 0.95% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.05%▲ 0.95% above avgNationally 2.91%
Details

Term: 4 to 5 Years (1,461 to 1,825 days); 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 14, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
5 Year Business Investment Certificate
$1,000
4.00% ▲ 0.95% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.05%▲ 0.95% above avgNationally 2.91%
Details

Term: 5 Years (1,826 to 2,190 days); Early Withdrawal Penalty: 240 Days' Dividends

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
5 Year Investment Certificate
$1,000
4.00% ▲ 0.95% above Tennessee avg
View
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.05%▲ 0.95% above avgNationally 2.91%
Details

Term: 5 Years (1,826 to 2,190 days); Early Withdrawal Penalty: 180 Days' Dividends

Rate History
No change since Sep 14, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 14, 2026: 4.00% APYSep 14, 2026Oct 14, 2026
Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.33%
5 Year Share Certificate
$1,000
3.98% ▲ 0.93% above Tennessee avg
View
▼
RateN/A
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.05%▲ 0.93% above avgNationally 2.91%
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 14, 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% ▲ 0.90% above Tennessee avg
View
▼
Rate3.88%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.05%▲ 0.90% above avgNationally 2.91%
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 14, 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% ▲ 0.90% above Tennessee avg
View
▼
Rate3.88%
Min Deposit$50,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.05%▲ 0.90% above avgNationally 2.91%
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 14, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 60 Months Fixed
$1,000
3.91% ▲ 0.86% above Tennessee avg
View
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.05%▲ 0.86% above avgNationally 2.91%
Details

Compounding: dividend rate 3.85%, APY compounding 3.91%

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 14, 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 and Roth IRA Certificate - 60 Months Fixed
$0
3.91% ▲ 0.86% above Tennessee avg
View
▼
Rate3.85%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.05%▲ 0.86% above avgNationally 2.91%
Details

Traditional IRAs and Roth IRA Certificates

Rate History
No change since Oct 12, 2026 · 3.91% APY
3.41%3.91%4.41%Oct 12, 2026: 3.91% APYOct 12, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.14%
5 Year ESA Long-Term Certificate
$0
3.90% ▲ 0.85% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.05%▲ 0.85% above avgNationally 2.91%
Details

Balance: $100K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.90% APY · checked 4 times
3.40%3.90%4.40%Sep 30, 2026: 3.90% APYSep 30, 2026Oct 14, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
5 Year Business Share Certificates
$0
3.90% ▲ 0.85% above Tennessee avg
View
▼
Rate3.83%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.05%▲ 0.85% above avgNationally 2.91%
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 14, 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% ▲ 0.85% above Tennessee avg
View
▼
Rate3.83%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.05%▲ 0.85% above avgNationally 2.91%
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 14, 2026
New South Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
60 Month Certificate
$0
3.90% ▲ 0.85% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 9, 2026
Tennessee Average3.05%▲ 0.85% above avgNationally 2.91%
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 14, 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
$0
3.85% ▲ 0.80% above Tennessee avg
View
▼
RateN/A
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 14, 2026
Tennessee Average3.05%▲ 0.80% above avgNationally 2.91%
Details

Balance: $1K Minimum APY; Rates as of Oct 13, 2026 ET; Long-Term Certificate Rates(Share, IRA, ESA)

Rate History
No change since Sep 30, 2026 · 3.85% APY · checked 4 times
3.35%3.85%4.35%Sep 30, 2026: 3.85% APYSep 30, 2026Oct 14, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Share Certificate - 60 Months Fixed
$1,000
3.85% ▲ 0.80% above Tennessee avg
View
▼
Rate3.85%
Min Deposit$1,000
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.05%▲ 0.80% above avgNationally 2.91%
Details

Non-Compounding: dividend rate 3.85%, APY non-compounding 3.85%

Rate History
3 changes since Sep 14, 2026 · 3.70% → 3.85% ▲ 0.15 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% APYOct 12, 2026: 3.85% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20263.85%▼ from 3.91%
  • 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%
Member's Choice Share Certificate - 60 Months Fixed
$0
3.80% ▲ 0.75% above Tennessee avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.05%▲ 0.75% above avgNationally 2.91%
Details

Compounding: dividend rate 3.75%, APY compounding 3.80%

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 14, 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% ▲ 0.70% above Tennessee avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.05%▲ 0.70% above avgNationally 2.91%
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 14, 2026
Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
Member's Choice Share Certificate - 60 Months Fixed
$0
3.75% ▲ 0.70% above Tennessee avg
View
▼
Rate3.75%
Min Deposit$0
Min BalanceN/A
Verified and UpdatedOct 12, 2026
Tennessee Average3.05%▲ 0.70% above avgNationally 2.91%
Details

Non-Compounding: dividend rate 3.75%, APY non-compounding 3.75%

Rate History
3 changes since Sep 14, 2026 · 3.60% → 3.75% ▲ 0.15 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% APYOct 12, 2026: 3.75% APYSep 14, 2026Oct 14, 2026
  • Oct 12, 20263.75%▼ from 3.80%
  • Oct 4, 20263.80%▲ from 3.70%
  • Sep 18, 20263.70%▲ from 3.60%
  • Sep 14, 20263.60%first recorded
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 Woodlawn, Tennessee Institutions

Highest verified APYs available today, updated October 14, 2026

B Top 5 Bank Rates
Austin Capital Bank
3 Month CD
A+ 5.0 ★ TX: 2.96%
Min: $1,000
4.58%
Finworth, a division of InsBank
2 Year Certificate of Deposit
A+ 5.0 ★ TX: 2.15%
Min: $50,000
4.45%
SouthEast Bank
12-Month CD Special
A+ 5.0 ★ TX: 0.98%
Min: $1,000
4.35%
Sonata Bank
12-month CD
A+ 5.0 ★ TX: 5.18%
Min: $0
4.27%
First National Bank of Pulaski
36 Months CD with 1x Bump
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 Share Certificates (CDs) - Jumbo
A 5.0 ★ TX: 7.78%
Min: $1,000
4.95%
Y-12 Federal Credit Union
12 Month Business Share Certificates PROMO
A+ 5.0 ★ TX: 3.67%
Min: $50,000
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 14, 2026 . Click an institution name to view its full profile, safety ratings, and all CD terms.
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Woodlawn, TN CD Rate Trends

Compare local Woodlawn, 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
3.191%
▲ 0.007 vs 7 days ago

Tennessee 12-month CD rates rose 0.007 points over the past 7 days to 3.191% APY.

6-Month CD TN Avg
2.937%
▼ 0.005 vs 7 days ago

Tennessee 6-month CD rates fell 0.005 points over the past 7 days to 2.937% APY.

As of Oct 14, 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
3.191%
6-Month Forecast
3.191%
Range: 2.99%, 3.34%
12-Month Forecast
3.441%
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 1.18% 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.

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What Your Savings Earn at TN CD Rates Today

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

CD Term TN Avg APY $5,000 $10,000 $25,000 $50,000
3-Month CD 1.924% $96.22 $192.44 $481.10 $962.20
6-Month CD 2.937% $146.85 $293.70 $734.25 $1,468.50
12-Month CD 3.191% $159.54 $319.07 $797.68 $1,595.35
18-Month CD 2.994% $149.70 $299.41 $748.53 $1,497.05
24-Month CD 3.066% $153.32 $306.64 $766.60 $1,533.20
36-Month CD 2.893% $144.65 $289.30 $723.25 $1,446.50
48-Month CD 2.839% $141.97 $283.94 $709.85 $1,419.70
60-Month CD 3.048% $152.39 $304.78 $761.95 $1,523.90
Earnings shown are annualized (APY basis). Actual earnings for sub-12-month terms will be proportionally lower at maturity. Rates as of October 14, 2026.
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Sample CD Ladder for Woodlawn, 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 1.924% $96.22
2 6-Month CD $5,000 2.937% $146.85
3 12-Month CD $5,000 3.191% $159.54
4 24-Month CD $5,000 3.066% $153.32
5 36-Month CD $5,000 2.893% $144.65
Total ($25,000 invested) $25,000 2.802% blended $700.58/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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1,148
CD Rates
Tracked in Woodlawn, Tennessee
27 Banks 76 Credit Unions

About Our Woodlawn, Tennessee CD Rate Database

MonitorBankRates tracks 1,148 CD rates from 27 banks and 76 credit unions with locations in Woodlawn, Tennessee, plus national online institutions available to Tennessee residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

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

Current top rate: Hope Federal Credit Union Jackson, MS offers a CD at 4.95% APY with a minimum deposit of $1,000. Use the rate table above to compare all current offers in Woodlawn, Tennessee.

How to Find the Best CD Rates in Woodlawn, Tennessee

What to compare when shopping for a CD in Woodlawn, Tennessee

To find the best APYs in Woodlawn, Tennessee, start with credit unions and online-only banks: Woodlawn, Tennessee has 76 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 Woodlawn, 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 Woodlawn, Tennessee: 103 institutions here report CD rates

Consider an Alternative If…

Tennessee Financial Snapshot

Local demographics and economic context for CD savers. Source: U.S. Census Bureau ACS 2024 (state-level data shown; city data not available)

Population 65+
17.1%
National avg: 17.3%
Median Individual Earnings
$42,418
National avg: $47,340
Poverty Rate
13.8%
National avg: 11.1%
Unemployment Rate
4.7%
National avg: 4.8%
CD Earnings on 10% of Salary
$135/yr
At TN 12-mo avg 3.191% APY

17.1% of residents are 65 or older, in line with the national average of 17.3%. At today’s TN 12-month CD average of 3.191%, saving 10% of the local median salary ($4,241/year) and putting it in a CD would earn an additional $135 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 Woodlawn, 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 Woodlawn, 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 Woodlawn, 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 Woodlawn, Tennessee as everywhere in the U.S.

Choosing a CD Term in Woodlawn, 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 Woodlawn, Tennessee savers easier access to their funds. For example, Y-12 Federal Credit Union is offering its 6 Month Business Share Certificates PROMO 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 Share Certificates (CDs) - Jumbo 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 Woodlawn, 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 Woodlawn, 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 Woodlawn, 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 Woodlawn, 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 Woodlawn, Tennessee

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

Are CD rates in Woodlawn, Tennessee FDIC insured?

Yes, most established banks in Woodlawn, 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 Woodlawn, 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 Woodlawn, 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 Woodlawn, 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 Woodlawn, Tennessee?

Here are recent top rates found for this area:
  • Hope Federal Credit Union Jackson, MS: 4.95% APY (60 Month Share Certificates (CDs) - Jumbo)
  • Y-12 Federal Credit Union: 4.75% APY (12 Month Business Share Certificates PROMO)
  • 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)
  • Finworth, a division of InsBank: 4.45% APY (2 Year Certificate of Deposit)
  • Navy Federal Credit Union: 4.35% APY (12 Month Special EasyStart Certificate)
  • SouthEast Bank: 4.35% APY (12-Month CD Special)
  • Collegedale Credit Union: 4.33% APY (Term Share Certificate - 6 Months)
  • Holley Credit Union: 4.32% APY (Share Certificates - 24 months)
Rates reflect recent verified offers available in Woodlawn, Tennessee. Last Updated: October 14, 2026

Woodlawn, 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 Woodlawn, 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 Woodlawn, Tennessee CD Rates by Term

Verified October 14, 2026 · click a rate to use its term and APY
Highest verified APY per term available in Woodlawn, Tennessee. Averages shown use the Tennessee state average where available, national otherwise. See the full rate tables above for all offers.

CD Calculators for Woodlawn, Tennessee

Woodlawn, 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.

Woodlawn, Tennessee CD Ladder

TN CD rates currently range from 1.924% (3-month) to 2.893% (36-month). Model a ladder with local rates to keep cash accessible while maximizing yield.

Early Withdrawal Penalty

Before locking into a Woodlawn, 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 3.191% 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 Woodlawn, 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 Woodlawn, 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 Woodlawn, 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 14, 2026

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