Credit union · NCUA insured
Consumer Credit Union CD Rates
Consumer Credit Union’s best CD rate is 4.50% APY on a 20-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Consumer Credit Union’s CD rates compare
Compared with banks and credit unions near Morristown, TN, where Consumer Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Consumer Credit Union
4.50%APY
- Term
- 20 months
- Minimum
- —
- Earns on $10,000
- $761
Certificate Accounts
Top rate
Knoxville TVA Employees Credit Union
5.00%APY
- Term
- 12 months
- Minimum
- $2,500
- Earns on $10,000
- $500
3rd-highest rate
FirstBank
4.00%APY
- Term
- 7 months
- Minimum
- $500
- Earns on $10,000
- $231
Consumer Credit Union CD score
89
CD score
Higher than 89% of U.S. banks and credit unions
- 3–8 months3–8 mo1.10%
- 9–15 months9–15 mo4.35%
- 16–30 months16–30 mo4.50%
- 31–60 months31–60 mo1.50%
- QualifiedQualified4.50%
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 Consumer 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 Accounts
Up to 4.50%APY · 12 terms
Terms less than 24 months have an early withdrawal penalty of 91 days. Terms 24 months and above have an early withdrawal penalty of 180 days.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.50% | $13 |
| 6 months | 1.10% | $55 |
| 9 monthsSpecial certificate account; transferred to regular share account upon maturity | 4.10% | $306 |
| 12 months | 3.00% | $300 |
| 13 monthsSpecial certificate account; transferred to regular share account upon maturity | 4.35% | $472 |
| 18 months | 4.00% | $606 |
| 20 monthsSpecial certificate account; transferred to regular share account upon maturity | 4.50% | $761 |
| 23 monthsSpecial certificate account; transferred to regular share account upon maturity | 4.50% | $880 |
| 24 months | 4.15% | $847 |
| 36 months | 1.30% | $395 |
| 48 months | 1.40% | $572 |
| 60 months | 1.50% | $773 |
Sources (1)
- consumercreditunion.com/rates/savings · captured Sep 24, 2026
Special-purpose accounts
IRA Certificates
Up to 4.50%APY · 12 terms
Terms less than 24 months have an early withdrawal penalty of 91 days. Terms 24 months and above have an early withdrawal penalty of 180 days.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.50% | $13 |
| 6 months | 1.10% | $55 |
| 9 monthsSpecial certificate account; transferred to regular share account upon maturity | 4.10% | $306 |
| 12 months | 3.00% | $300 |
| 13 monthsSpecial certificate account; transferred to regular share account upon maturity | 4.35% | $472 |
| 18 months | 4.00% | $606 |
| 20 monthsSpecial certificate account; transferred to regular share account upon maturity | 4.50% | $761 |
| 23 monthsSpecial certificate account; transferred to regular share account upon maturity | 4.50% | $880 |
| 24 months | 4.15% | $847 |
| 36 months | 1.30% | $395 |
| 48 months | 1.40% | $572 |
| 60 months | 1.50% | $773 |
Sources (1)
- consumercreditunion.com/rates/savings · captured Sep 24, 2026
Who can join Consumer Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Eligible if you live, worship, volunteer, attend school in, or work for a business and/or other legal entity located in Anderson County, Blount County, Claiborne County, Cocke County, Greene County, Hancock County, Hamblen County, Jefferson County, Knox County, Loudon County, Sullivan County, Union County, and Johnson City, Tennessee.
Employers and groups
- Persons who participate in Rose Center and Council for the Arts, Inc., an association headquartered in Hamblen County, Tennessee may also be eligible for membership.
Family and household
- Family members of members may join and maintain a regular share account for lifetime membership.
Cost to join
- Deposit at least $5.00 to your regular share (savings) account upon completing a Membership Application.
Membership information collected October 5, 2026.