Credit union · NCUA insured
Alcoa Tenn Federal Credit Union CD Rates
Alcoa Tenn Federal Credit Union’s best CD rate is 4.00% APY on a 15-month share certificate (CD). Terms run from 3 months to 3 years. Rates checked October 15, 2026.
How Alcoa Tenn Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Knoxville, TN, where Alcoa Tenn Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Alcoa Tenn Federal Credit Union
4.00%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $502
Share Certificates (CDs)
Top rate
First Century Bank
5.01%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $501
2nd-highest rate
Knoxville TVA Employees Credit Union
5.00%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $500
Alcoa Tenn Federal Credit Union CD score
76
CD score
Higher than 42% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo2.00%
- 31–60 months31–60 mo2.00%
- QualifiedQualified4.00%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Alcoa Tenn Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates (CDs)
Up to 4.00%APY · 10 terms
Dividends compounded monthly. Penalty may apply for early withdrawal (penalty equal to 180 days' dividends will be applied for early withdrawal). Rates subject to change without notice. No monthly fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividends calculated daily, compounded monthly. Penalty equal to 180 days' dividends will be applied for early withdrawal | 0.25% | $6 |
| 6 monthsDividends calculated daily, compounded monthly. Penalty equal to 180 days' dividends will be applied for early withdrawal | 1.50% | $75 |
| 7 months7 Month Special. Automatically renews at maturity for a 6-month term at the then current 6 month share certificate dividend rate. Dividends calculated daily, compounded monthly. Penalty equal to 180 days' dividends will be applied for early withdrawal | 3.50% | $203 |
| 11 months11 Month Special. Automatically renews at maturity for a 12-month term at the then current 12 month share certificate dividend rate. Dividends calculated daily, compounded monthly. Penalty equal to 180 days' dividends will be applied for early withdrawal | 3.50% | $320 |
| 12 monthsDividends calculated daily, compounded monthly. Penalty equal to 180 days' dividends will be applied for early withdrawal | 1.50% | $150 |
| 15 months15 Month Special. Automatically renews at maturity for a 12-month term at the then current 12 month share certificate dividend rate. Dividends calculated daily, compounded monthly. Penalty equal to 180 days' dividends will be applied for early withdrawal | 4.00% | $502 |
| 18 monthsDividends calculated daily, compounded monthly. Penalty equal to 180 days' dividends will be applied for early withdrawal | 1.75% | $264 |
| 24 monthsDividends calculated daily, compounded monthly. Penalty equal to 180 days' dividends will be applied for early withdrawal | 1.75% | $353 |
| 30 monthsDividends calculated daily, compounded monthly. Penalty equal to 180 days' dividends will be applied for early withdrawal | 2.00% | $508 |
| 36 monthsDividends calculated daily, compounded monthly. Penalty equal to 180 days' dividends will be applied for early withdrawal | 2.00% | $612 |
Special-purpose accounts
IRA Certificates
Up to 4.00%APY · 9 terms
Dividends calculated daily, compounded monthly. Penalty equal to 180 days' dividends will be applied for early withdrawal. Rates subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends calculated daily, compounded monthly. Penalty equal to 180 days' dividends will be applied for early withdrawal | 1.50% | $75 |
| 7 months7 Month Special. Automatically renews at maturity for a 6-month term at the then current 6 month share certificate dividend rate. Dividends calculated daily, compounded monthly. Penalty equal to 180 days' dividends will be applied for early withdrawal | 3.50% | $203 |
| 11 months11 Month Special. Automatically renews at maturity for a 12-month term at the then current 12 month share certificate dividend rate. Dividends calculated daily, compounded monthly. Penalty equal to 180 days' dividends will be applied for early withdrawal | 3.50% | $320 |
| 12 monthsDividends calculated daily, compounded monthly. Penalty equal to 180 days' dividends will be applied for early withdrawal | 1.50% | $150 |
| 15 months15 Month Special. Automatically renews at maturity for a 12-month term at the then current 12 month share certificate dividend rate. Dividends calculated daily, compounded monthly. Penalty equal to 180 days' dividends will be applied for early withdrawal | 4.00% | $502 |
| 18 monthsDividends calculated daily, compounded monthly. Penalty equal to 180 days' dividends will be applied for early withdrawal | 1.75% | $264 |
| 24 monthsDividends calculated daily, compounded monthly. Penalty equal to 180 days' dividends will be applied for early withdrawal | 1.75% | $353 |
| 30 monthsDividends calculated daily, compounded monthly. Penalty equal to 180 days' dividends will be applied for early withdrawal | 2.00% | $508 |
| 36 monthsDividends calculated daily, compounded monthly. Penalty equal to 180 days' dividends will be applied for early withdrawal | 2.00% | $612 |
Sources (1)
- atfcu.com/rates · captured Oct 5, 2026
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