Credit union · NCUA insured
Chattanooga First Federal Credit Union CD Rates
Chattanooga First Federal Credit Union’s best CD rate is 3.00% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Chattanooga First Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Chattanooga, TN-GA, where Chattanooga First Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Chattanooga First Federal Credit Union
3.00%APY
- Term
- 12 months
- Minimum
- $2,500
- Earns on $10,000
- $300
Certificate
Top rate
First Jackson Bank
5.01%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,769
2nd-highest rate
Tennessee Valley Federal Credit Union
4.50%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $450
Chattanooga First Federal Credit Union CD score
67
CD score
Higher than 19% of U.S. banks and credit unions
- 3–8 months3–8 mo2.50%
- 9–15 months9–15 mo3.00%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo2.75%
- QualifiedQualified3.00%
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 Chattanooga First 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.
Certificate
Up to 3.00%APY · 7 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.50% | $124 |
| 12 months | 3.00% | $300 |
| 18 months | 3.00% | $453 |
| 24 months | 3.00% | $609 |
| 36 months | 2.75% | $848 |
| 48 months | 2.75% | $1,146 |
| 60 months | 2.75% | $1,453 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
IRA Certificate
Up to 3.00%APY · 4 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.00% | $300 |
| 30 months | 2.75% | $702 |
| 36 months | 2.75% | $848 |
| 60 months | 2.75% | $1,453 |
Sources (2)
All captured Sep 18, 2026
Who can join Chattanooga First 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Anyone who does business regularly in Hamilton County, TN is eligible to join.
- Anyone who lives in Hamilton County, TN is eligible to join.
- Anyone who works in Hamilton County, TN is eligible to join.
Military, government and schools
- Anyone who attends school in Hamilton County, TN is eligible to join.
Other ways
- Any business or legal entity located in Hamilton County, TN is eligible to join.
Cost to join
- A $25 deposit is required to open a Savings/Share Account.
Membership information collected October 5, 2026.