Appliance Credit Union CD Rates

How Appliance Credit Union’s CD rates compare

Compared with banks and credit unions near Cleveland, TN, where Appliance Credit Union has the most branches. $10,000, best rate first.

This credit union’s best
Appliance Credit Union
2.27%APY
Term
6 months
Minimum
—
Earns on $10,000
$113
Share Certificate
Top rate
Tennessee Valley Federal Credit Union
4.50%APY
Term
12 months
Minimum
$1,000
Earns on $10,000
$450
Tennessee Valley Federal Credit Union rates
2nd-highest rate
SouthEast Bank
4.35%APY
Term
12 months
Minimum
$1,000
Earns on $10,000
$435
SouthEast Bank rates

Compare CD rates near you →

CD score

Higher than 7% of U.S. banks and credit unions

By term

3–8 months3–8 mo2.27%
9–15 months9–15 mo2.02%
16–30 months16–30 mo1.26%
31–60 months31–60 mo1.26%
QualifiedQualified2.27%

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.

How the score works →

Where Appliance 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 Certificate

Up to 2.27%APY · 5 terms

Automatic renewal with a seven-day grace period.

Earnings on $10,000 over the term.
Term	APY · Up to $10,000	APY · $10,001 – $20,000	APY · $20,001 – $50,000	APY · $50,001 – $75,000	APY · $75,000 and up	APY	Earns on $10,000Earns
6 months	2.27%	2.55%	2.78%	3.03%	3.29%	2.27%2.55% $10k–$20k2.78% $20k–$50k3.03% $50k–$75k3.29% from $75k	$113
12 months	2.02%	2.27%	2.55%	2.78%	3.03%	2.02%2.27% $10k–$20k2.55% $20k–$50k2.78% $50k–$75k3.03% from $75k	$202
24 months	1.26%	1.51%	1.76%	2.02%	2.27%	1.26%1.51% $10k–$20k1.76% $20k–$50k2.02% $50k–$75k2.27% from $75k	$254
36 months	1.26%	1.51%	1.76%	2.02%	2.27%	1.26%1.51% $10k–$20k1.76% $20k–$50k2.02% $50k–$75k2.27% from $75k	$383
60 months	1.26%	1.51%	1.76%	2.02%	2.27%	1.26%1.51% $10k–$20k1.76% $20k–$50k2.02% $50k–$75k2.27% from $75k	$646

Sources (2)

All captured Sep 18, 2026

Special-purpose accounts

IRA Certificate

Up to 2.27%APY · 5 termsIRA

Traditional, Roth, and Educational options available. Spouse IRAs available.

Earnings on $10,000 over the term.
Term	APY · Up to $10,000	APY · $10,001 – $20,000	APY · $20,001 – $50,000	APY · $50,001 – $75,000	APY · $75,000 and up	APY	Earns on $10,000Earns
6 months	2.27%	2.55%	2.78%	3.03%	3.29%	2.27%2.55% $10k–$20k2.78% $20k–$50k3.03% $50k–$75k3.29% from $75k	$113
12 months	2.02%	2.27%	2.55%	2.78%	3.03%	2.02%2.27% $10k–$20k2.55% $20k–$50k2.78% $50k–$75k3.03% from $75k	$202
24 months	1.26%	1.51%	1.76%	2.02%	2.27%	1.26%1.51% $10k–$20k1.76% $20k–$50k2.02% $50k–$75k2.27% from $75k	$254
36 months	1.26%	1.51%	1.76%	2.02%	2.27%	1.26%1.51% $10k–$20k1.76% $20k–$50k2.02% $50k–$75k2.27% from $75k	$383
60 months	1.26%	1.51%	1.76%	2.02%	2.27%	1.26%1.51% $10k–$20k1.76% $20k–$50k2.02% $50k–$75k2.27% from $75k	$646

Sources (2)

All captured Sep 18, 2026

Who can join Appliance Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Where you live or work

Individuals who live, work, worship, or attend school in Bradley County are eligible for membership.

Family and household

Family members of any current member (including parent, spouse, spouse’s parent, child, step-child, grandparent, spouse’s grandparent, grandchild, brother, sister, brother- or sister-in-law, step-brother or step-sister, aunt or uncle, niece or nephew) are eligible for membership.

Cost to join

An initial deposit of $5.00 (one share) in a share/savings account establishes partial ownership.
A one-time membership fee of $0.25 is required to access credit union services.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details

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