Bank · FDIC insured
Financial Federal CD Rates
Financial Federal’s best CD rate is 4.25% APY on a 2-year CD. Terms run from 1 year to 2 years. Rates checked October 15, 2026.
How Financial Federal’s CD rates compare
Compared with banks and credit unions near Memphis, TN-MS-AR, where Financial Federal has the most branches. $10,000, best rate first.
This bank’s best
Financial Federal
4.25%APY
- Term
- 24 months
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000
- $868
Personal Savings - CDs
Top rate
Paragon Bank
4.39%APY
- Term
- 13 months
- Requires
- Another account
- Minimum
- $1,000
- Earns on $10,000
- $476
2nd-highest rate
UT Federal Credit Union
4.25%APY
- Term
- 7 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $246
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Personal Savings - CDs
Up to 4.25%APY · 2 terms
FDIC-insured certificates of deposit customized to meet specific needs. Rate not available to institutional investors.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsEarly withdrawal penalty will apply. Rate and offer subject to change without notice. Rate not available to institutional investors | 4.20% | $420 |
| 24 monthsEarly withdrawal penalty will apply. Rate and offer subject to change without notice. Rate not available to institutional investors | 4.25% | $868 |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.