Credit union · NCUA insured
Hiwassee River Credit Union CD Rates
Hiwassee River Credit Union’s best CD rate is 3.56% APY on a 6-month share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 15, 2026.
How Hiwassee River Credit Union’s CD rates compare
Compared with banks and credit unions near Athens, TN, where Hiwassee River Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Hiwassee River Credit Union
3.56%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $176
Share Certificates
Top rate
Tennessee Valley Federal Credit Union
4.50%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $450
2nd-highest rate
SouthEast Bank
4.35%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $435
Hiwassee River Credit Union CD score
71
CD score
Higher than 30% of U.S. banks and credit unions
- 3–8 months3–8 mo3.56%
- 9–15 months9–15 mo3.56%
- 16–30 months16–30 mo2.84%
- 31–60 months31–60 mo1.01%
- QualifiedQualified3.56%
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 Hiwassee River 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.
Share Certificates
Up to 3.56%APY · 5 terms
Membership eligibility applies (permanent employee of Olin Corporation, Solenis, or Hiwassee River Credit Union in Charleston/Cleveland TN, or eligible family members). Early withdrawal penalty applies to all CDs.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividend Paid Monthly. All CDs have an early withdrawal penalty | 3.56% | $176 |
| 12 monthsDividend Paid Monthly. All CDs have an early withdrawal penalty | 3.56% | $356 |
| 18 monthsDividend Paid Monthly. All CDs have an early withdrawal penalty | 2.84% | $428 |
| 24 monthsDividend Paid Monthly. All CDs have an early withdrawal penalty | 2.54% | $514 |
| 36 monthsDividend Paid Monthly. All CDs have an early withdrawal penalty | 1.01% | $305 |
Special-purpose accounts
IRA Certificates
Up to 3.17%APY · 5 terms
Eligibility requires membership via permanent employment or qualified family member of Olin Corp, Solenis, or Hiwassee River Credit Union; Early withdrawal penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 0 monthsFloating; Dividends Paid Quarterly | 0.75% | $0 |
| 12 monthsDividend Paid Monthly | 3.17% | $317 |
| 18 monthsDividend Paid Monthly | 2.15% | $324 |
| 24 monthsDividend Paid Monthly | 2.75% | $558 |
| 36 monthsDividend Paid Monthly | 1.98% | $606 |
Sources (1)
- omcecu.com/deposit-rates · captured Sep 18, 2026
Who can join Hiwassee River Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.