Credit union · NCUA insured
Enrichment Federal Credit Union CD Rates
Top CarrotEnrichment 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 Enrichment Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Knoxville, TN, where Enrichment Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Enrichment Federal Credit Union
4.25%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $425
Share Certificate
Top rate
First Century Bank
5.01%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $501
2nd-highest rate
Knoxville TVA Employees Credit Union
5.00%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $500
Enrichment Federal Credit Union CD score
88
CD score
Higher than 81% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo3.00%
- QualifiedQualified4.25%
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 Enrichment 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.
Jumbo Share Certificate
Up to 4.25%APY · 7 terms
Early withdrawal penalty applies: 30 days dividends for terms less than 1 year, 90 days dividends for terms 1 to 5 years. Average daily balance calculation method. Dividends compound based on rate schedule. 7-day grace period at maturity. Must maintain minimum share ($5.00) in Regular Savings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.50% | $12 |
| 6 months | 4.00% | $198 |
| 12 months | 4.25% | $425 |
| 24 months | 3.00% | $609 |
| 36 months | 3.00% | $927 |
| 48 months | 2.75% | $1,146 |
| 60 months | 2.75% | $1,453 |
Sources (2)
All captured Oct 15, 2026
Share Certificate
Up to 4.25%APY · 7 terms
Early withdrawal penalty applies: 30 days dividends for terms less than 1 year, 90 days dividends for terms 1 to 5 years. Average daily balance calculation method. Dividends compound based on rate schedule. 7-day grace period at maturity. Must maintain minimum share ($5.00) in Regular Savings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.50% | $12 |
| 6 months | 4.00% | $198 |
| 12 months | 4.25% | $425 |
| 24 months | 3.00% | $609 |
| 36 months | 3.00% | $927 |
| 48 months | 2.75% | $1,146 |
| 60 months | 2.75% | $1,453 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
IRA Certificate
Up to 4.25%APY · 5 terms
Available as Traditional, Roth, Coverdell, SEP, or Inherited IRAs. Contributions allowed at maturity date. Early withdrawal penalty: 90 days dividends for terms 1 to 5 years. Exceptions to penalty apply for RMD amounts or if paid within 7 days of establishment. 7-day grace period at maturity. Must maintain minimum share ($5.00) in Regular Savings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 4.25% | $425 |
| 24 months | 3.00% | $609 |
| 36 months | 3.00% | $927 |
| 48 months | 2.75% | $1,146 |
| 60 months | 2.75% | $1,453 |
Sources (3)
All captured Oct 15, 2026
Jumbo IRA Certificate
Up to 4.25%APY · 5 terms
Available as Traditional, Roth, Coverdell, SEP, or Inherited IRAs. Contributions allowed at maturity date. Early withdrawal penalty: 90 days dividends for terms 1 to 5 years. Exceptions to penalty apply for RMD amounts or if paid within 7 days of establishment. 7-day grace period at maturity. Must maintain minimum share ($5.00) in Regular Savings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 4.25% | $425 |
| 24 months | 3.00% | $609 |
| 36 months | 3.00% | $927 |
| 48 months | 2.75% | $1,146 |
| 60 months | 2.75% | $1,453 |
Sources (3)
All captured Oct 15, 2026
Who can join Enrichment 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 those who live, work, worship, or attend school in Anderson, Blount, Claiborne, Knox, Loudon, Morgan, Roane, Scott, or Union Counties.
Membership information collected October 5, 2026.