Credit union · NCUA insured
Ascend Federal Credit Union CD Rates
Top CarrotAscend Federal Credit Union’s best CD rate is 4.25% APY on a 1-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Ascend Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Nashville, TN, where Ascend Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Ascend Federal Credit Union
4.20%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $420
Regular Share Certificate
Top rate
TEN Credit Union
4.50%APY
- Term
- 7 months
- Minimum
- $500
- Earns on $10,000
- $260
2nd-highest rate
City National Bank
4.39%APY
- Term
- 12 months
- Minimum
- $2,500
- Earns on $10,000
- $439
Ascend Federal Credit Union CD score
89
CD score
Higher than 90% of U.S. banks and credit unions
- 3–8 months3–8 mo3.82%
- 9–15 months9–15 mo4.20%
- 16–30 months16–30 mo4.02%
- 31–60 months31–60 mo4.07%
- QualifiedQualified4.20%
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 Ascend 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.
Regular Share Certificate
Up to 4.20%APY · 8 terms
Certificate accounts have no fees; penalty for early withdrawal applies. Dividends compounded and credited monthly based on daily balance. Automatically renewable with a 7-day grace period.
| Term | APY · Any balance | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsFixed rate. Additional deposits not allowed. Penalty of 90 days' dividends for early withdrawal | 3.66% | — | 3.66% | $90 |
| 6 monthsFixed rate. Additional deposits not allowed. Penalty of 90 days' dividends for early withdrawal | 3.82% | — | 3.82% | $189 |
| 6 monthsJumbo certificate. Fixed rate. Additional deposits not allowed. A negotiated rate may be obtained for $100,000.00 or greater. Penalty of 90 days' dividends for early withdrawal | — | 3.87% | —3.87% from $100k | — |
| 12 monthsFixed rate. Additional deposits not allowed. Penalty of 180 days' dividends for early withdrawal | 4.20% | — | 4.20% | $420 |
| 12 monthsJumbo certificate. Fixed rate. Additional deposits not allowed. A negotiated rate may be obtained for $100,000.00 or greater. Penalty of 180 days' dividends for early withdrawal | — | 4.25% | —4.25% from $100k | — |
| 18 monthsFixed rate. Additional deposits not allowed. Penalty of 210 days' dividends for early withdrawal | 3.97% | — | 3.97% | $601 |
| 24 monthsFixed rate. Additional deposits not allowed. Penalty of 210 days' dividends for early withdrawal | 4.02% | — | 4.02% | $820 |
| 24 monthsJumbo certificate. Fixed rate. Additional deposits not allowed. A negotiated rate may be obtained for $100,000.00 or greater. Penalty of 210 days' dividends for early withdrawal | — | 4.07% | —4.07% from $100k | — |
| 36 monthsFixed rate. Additional deposits not allowed. Penalty of 210 days' dividends for early withdrawal | 3.92% | — | 3.92% | $1,223 |
| 48 monthsFixed rate. Additional deposits not allowed. Penalty of 210 days' dividends for early withdrawal | 3.97% | — | 3.97% | $1,685 |
| 60 monthsFixed rate. Additional deposits not allowed. Penalty of 210 days' dividends for early withdrawal | 4.07% | — | 4.07% | $2,208 |
Sources (3)
- ascend.org/certificate-types
- ascend.org/consumer-accounts/certificates
- image.storage.ascend.org/craft…and-Truth-in-Savings.pdf
All captured Oct 5, 2026
Member's Advantage Share Certificate
Up to 4.02%APY · 2 terms
Available for 15-month and 54-month terms. Allows one additional deposit of at least $1,000 during the term and one-time rate increase to the current issue rate if greater. Early withdrawal penalty of 210 days' dividends applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 15 monthsFixed rate. Allows 1 additional deposit of $1,000 minimum and 1 rate increase to the current issue rate if greater | 3.87% | $486 |
| 54 monthsFixed rate. Allows 1 additional deposit of $1,000 minimum and 1 rate increase to the current issue rate if greater | 4.02% | $1,941 |
Sources (3)
- ascend.org/certificate-types
- ascend.org/consumer-accounts/certificates
- image.storage.ascend.org/craft…and-Truth-in-Savings.pdf
All captured Oct 5, 2026
Home Purchase Share Certificate
3.40%APY · 1 term
Variable-rate certificate. Additional deposits allowed at any time in any increment. Withdrawals made in conjunction with the purchase of a home are penalty-free upon receiving appropriate documentation. When financing is secured through Ascend, mortgage loan processing fee is waived during the loan process.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 36 monthsVariable rate. Additional deposits accepted at any time. Penalty-free early withdrawal for home purchase | 3.40% | $1,055 |
Sources (3)
- ascend.org/certificate-types
- ascend.org/consumer-accounts/certificates
- image.storage.ascend.org/craft…and-Truth-in-Savings.pdf
All captured Oct 5, 2026
Special-purpose accounts
IRA Share Certificate
Up to 4.20%APY · 8 terms
Combines guaranteed dividends with tax advantages of an IRA. IRS regulations apply. Dividends compounded and credited monthly based on daily balance. Early withdrawal penalty exceptions apply for death, within 7 days of establishment, reaching age 59 1/2 or total disability, qualified Coverdell distribution, or moving from IRA Accumulation Variable to IRA Fixed.
| Term | APY · Any balance | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsFixed rate. Additional deposits not allowed. Penalty of 90 days' dividends for early withdrawal | 3.66% | — | 3.66% | $90 |
| 6 monthsFixed rate. Additional deposits not allowed. Penalty of 90 days' dividends for early withdrawal | 3.82% | — | 3.82% | $189 |
| 6 monthsJumbo certificate. Fixed rate. Additional deposits not allowed. A negotiated rate may be obtained for $100,000.00 or greater. Penalty of 90 days' dividends for early withdrawal | — | 3.87% | —3.87% from $100k | — |
| 12 monthsFixed rate. Additional deposits not allowed. Penalty of 180 days' dividends for early withdrawal | 4.20% | — | 4.20% | $420 |
| 12 monthsJumbo certificate. Fixed rate. Additional deposits not allowed. A negotiated rate may be obtained for $100,000.00 or greater. Penalty of 180 days' dividends for early withdrawal | — | 4.25% | —4.25% from $100k | — |
| 18 monthsFixed rate. Additional deposits not allowed. Penalty of 210 days' dividends for early withdrawal | 3.97% | — | 3.97% | $601 |
| 24 monthsFixed rate. Additional deposits not allowed. Penalty of 210 days' dividends for early withdrawal | 4.02% | — | 4.02% | $820 |
| 24 monthsJumbo certificate. Fixed rate. Additional deposits not allowed. A negotiated rate may be obtained for $100,000.00 or greater. Penalty of 210 days' dividends for early withdrawal | — | 4.07% | —4.07% from $100k | — |
| 36 monthsFixed rate. Additional deposits not allowed. Penalty of 210 days' dividends for early withdrawal | 3.92% | — | 3.92% | $1,223 |
| 48 monthsFixed rate. Additional deposits not allowed. Penalty of 210 days' dividends for early withdrawal | 3.97% | — | 3.97% | $1,685 |
| 60 monthsFixed rate. Additional deposits not allowed. Penalty of 210 days' dividends for early withdrawal | 4.07% | — | 4.07% | $2,208 |
Sources (3)
- ascend.org/certificate-types
- ascend.org/consumer-accounts/certificates
- image.storage.ascend.org/craft…and-Truth-in-Savings.pdf
All captured Oct 5, 2026
IRA Accumulation Share Certificate
4.04%APY · 1 term
Variable-rate IRA certificate. Rate varies with the market. Additional deposits are allowed at any time in any increment. IRS regulations apply. No penalty when moving to an IRA Fixed Certificate account.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsVariable rate. Additional deposits allowed at any time | 4.04% | $404 |
Sources (3)
- ascend.org/certificate-types
- ascend.org/consumer-accounts/certificates
- image.storage.ascend.org/craft…and-Truth-in-Savings.pdf
All captured Oct 5, 2026
Who can join Ascend Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligibility is open to individuals who live, work, worship, or attend school in financially underserved areas, including all of Franklin County and parts of Davidson, Dickson, Marshall, Maury, Putnam, Rutherford, Van Buren, Warren, and White counties.
Employers and groups
- Eligibility is open to employees or members of one of Ascend's more than 1,200 local employer or organization partners.
Family and household
- Eligibility is open to immediate family members (spouse, parents, grandparents, children, siblings, grandchildren, including step and adoptive relationships) or household members demonstrating a degree of permanency with an existing Ascend member.
Other ways
- Eligibility is open to members of The Nature Conservancy (TNC) in Tennessee (membership can be obtained with a $25 contribution/donation).
Cost to join
- A $5 refundable savings account deposit representing one share is required to establish membership.
- A $25 one-time contribution/donation to The Nature Conservancy in Tennessee is required if qualifying via TNC.
Membership information collected October 5, 2026.