Bank · FDIC insured
Home Federal Bank of Tennessee CD Rates
Home Federal Bank of Tennessee’s best CD rate is 3.60% APY on a 1-year CD. Terms run from 2 months to 5 years. Rates checked October 15, 2026.
How Home Federal Bank of Tennessee’s CD rates compare
Compared with banks and credit unions near Knoxville, TN, where Home Federal Bank of Tennessee has the most branches. $10,000, best rate first.
This bank’s best
Home Federal Bank of Tennessee
3.60%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $360
Certificates of Deposit
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
Home Federal Bank of Tennessee CD score
74
CD score
Higher than 36% of U.S. banks and credit unions
- 3–8 months3–8 mo3.50%
- 9–15 months9–15 mo3.60%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo3.25%
- QualifiedQualified3.60%
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 Home Federal Bank of Tennessee ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 3.60%APY · 9 terms
A minimum balance of $500.00 is required to open the account and to obtain the APY. CD rates are fixed for term of account. Automatic renewal. Interest is compounded monthly and paid monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsInterest Credited Monthly. Early withdrawal penalty: 2 months loss of interest on the amount withdrawn | 2.00% | $50 |
| 6 monthsInterest Credited Monthly. Early withdrawal penalty: 3 months loss of interest on the amount withdrawn | 3.50% | $173 |
| 9 monthsInterest Credited Monthly. Early withdrawal penalty: 3 months loss of interest on the amount withdrawn | 3.25% | $243 |
| 12 monthsInterest Credited Monthly. Early withdrawal penalty: 6 months loss of interest on the amount withdrawn | 3.60% | $360 |
| 18 monthsInterest Credited Monthly. Early withdrawal penalty: 6 months loss of interest on the amount withdrawn | 3.00% | $453 |
| 24 monthsInterest Credited Monthly. Early withdrawal penalty: 6 months loss of interest on the amount withdrawn | 3.00% | $609 |
| 36 monthsInterest Credited Monthly. Early withdrawal penalty: 6 months loss of interest on the amount withdrawn | 2.50% | $769 |
| 48 monthsInterest Credited Monthly. Early withdrawal penalty: 6 months loss of interest on the amount withdrawn | 2.75% | $1,146 |
| 60 monthsInterest Credited Monthly. Early withdrawal penalty: 6 months loss of interest on the amount withdrawn | 3.25% | $1,734 |
Jumbo CD
Up to 3.60%APY · 5 terms
The minimum to open a Jumbo CD is $100,000.00. Early withdrawal penalty: 3 months interest on all Jumbo accounts.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1 monthTerm: 14-59 DAYS. Penalty: 3 MO Interest | 2.00% | — |
| 2 monthsTerm: 60-89 DAYS. Penalty: 3 MO Interest | 2.00% | — |
| 3–5 monthsTerm: 90-179 DAYS. Penalty: 3 MO Interest | 3.50% | — |
| 6–8 monthsTerm: 180-269 DAYS. Penalty: 3 MO Interest | 3.50% | — |
| 9–12 monthsTerm: 270-365 DAYS. Penalty: 3 MO Interest | 3.60% | — |
Sources (2)
- homefederalbanktn.com/personal…rket/cd-terms-conditions
- homefederalbanktn.com/rates/certificate-of-deposit
All captured Oct 5, 2026
Special-purpose accounts
IRA CDs
Up to 3.60%APY · 9 terms
IRA CD rates are fixed for term of account. Automatic renewal. Interest is compounded daily and paid monthly. Withdrawals (distributions) and additions (contributions) are subject to the IRA Trust Agreement.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsMin to open $100.00, min to earn APY $1.00 | 2.00% | $50 |
| 6 monthsMin to open $100.00, min to earn APY $1.00 | 3.50% | $173 |
| 9 monthsMin to open $100.00, min to earn APY $1.00 | 3.25% | $243 |
| 12 monthsMin to open $100.00, min to earn APY $1.00 | 3.60% | $360 |
| 18 monthsMin to open $100.00, min to earn APY $1.00 | 3.00% | $453 |
| 24 monthsMin to open $100.00, min to earn APY $1.00 | 3.00% | $609 |
| 36 monthsMin to open $100.00, min to earn APY $1.00 | 2.50% | $769 |
| 48 monthsMin to open $100.00, min to earn APY $1.00 | 2.75% | $1,146 |
| 60 monthsMin to open $100.00, min to earn APY $1.00 | 3.25% | $1,734 |
Sources (1)
- homefederalbanktn.com/rates/in…idual-retirement-account · captured Oct 5, 2026
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.