Credit union · NCUA insured
Employee Resources Credit Union CD Rates
Top CarrotEmployee Resources Credit Union’s best CD rate is 4.42% APY on a 6-month share certificate (CD). Terms run from 6 months to 2 years. Rates checked October 15, 2026.
How Employee Resources Credit Union’s CD rates compare
Compared with banks and credit unions near Lawrenceburg, TN, where Employee Resources Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Employee Resources Credit Union
4.42%APY
- Term
- 6 months
- Minimum
- $5,000
- Earns on $10,000
- $219
Certificates of Deposit
2nd-highest rate
Wayne County Bank
2.48%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $248
3rd-highest rate
First Horizon Bank
0.10%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $5
Employee Resources Credit Union CD score
89
CD score
Higher than 87% of U.S. banks and credit unions
- 3–8 months3–8 mo4.42%
- 9–15 months9–15 mo4.32%
- 16–30 months16–30 mo3.03%
- QualifiedQualified4.42%
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 Employee Resources 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.
Certificates of Deposit
Up to 4.42%APY · 4 terms
Early withdrawal penalties apply. Rates subject to change at any time.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months182 Days term | 4.42% | $219 |
| 12 monthsOne Year term | 4.32% | $432 |
| 18 months18 Month term | 3.03% | $458 |
| 24 monthsTwo Years term | 2.78% | $564 |
Special-purpose accounts
IRA Certificates of Deposit
Up to 4.42%APY · 4 terms
Early withdrawal penalties apply. Rates subject to change at any time.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months182 Days term | 4.42% | $219 |
| 12 monthsOne Year term | 4.32% | $432 |
| 18 months18 Month term | 3.03% | $458 |
| 24 monthsTwo Years term | 2.78% | $564 |
Who can join Employee Resources Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Persons who live, work, worship, or attend school in Lawrence, Giles, Wayne, or Henderson County, TN are eligible for membership.
Employers and groups
- Residents of Adamsville who work for McNairy County School System, City of Adamsville, Flozone Services Inc., or United Industries Inc. are eligible for membership.
Family and household
- Residents of Adamsville who are direct family members of someone who works for McNairy County School System, City of Adamsville, Flozone Services Inc., or United Industries Inc. are eligible for membership.
Cost to join
- Maintaining a $5.00 balance is required to keep membership active.
Membership information collected October 5, 2026.