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Credit union · NCUA insured

Memphis City Employees Credit Union CD Rates

Top Carrot, Carrot Score 96Top Carrot

Memphis City Employees Credit Union’s best CD rate is 4.06% APY on a 6-month share certificate (CD). Terms run from 6 months to 42 months. Rates checked October 15, 2026.

How Memphis City Employees Credit Union’s CD rates compare

Compared with banks and credit unions near Memphis, TN-MS-AR, where Memphis City Employees Credit Union has the most branches. $10,000, best rate first.

  • Top Carrot, Carrot Score 96

    This credit union’s best

    Memphis City Employees Credit Union

    4.06%APY

    Term
    6 months
    Requires
    None
    Minimum
    $1,000
    Earns on $10,000
    $201

    Certificates of Deposit

  • Top rate

    Paragon Bank

    4.39%APY

    Term
    13 months
    Requires
    Another account
    Minimum
    $1,000
    Earns on $10,000
    $476

    Paragon Bank rates

  • 2nd-highest rate

    UT Federal Credit Union

    4.25%APY

    Term
    7 months
    Requires
    None
    Minimum
    $5,000
    Earns on $10,000
    $246

    UT Federal Credit Union rates

Compare CD rates near you →

Memphis City Employees Credit Union CD score

86

CD score

Higher than 75% of U.S. banks and credit unions

By term
  • 3–8 months3–8 mo4.06%
  • 9–15 months9–15 mo3.85%
  • 16–30 months16–30 mo3.44%
  • 31–60 months31–60 mo3.55%
  • QualifiedQualified4.06%

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.

How the score works →

Where Memphis City Employees 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.

Who can join Memphis City Employees Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.

Employers and groups

  • Employees of MCR Safety are eligible for membership.
  • Employees of MLGW are eligible for membership.
  • Employees of Smith & Nephew are eligible for membership.

Military, government and schools

  • Employees of Airport Authority are eligible for membership.
  • Employees of the City of Bartlett are eligible for membership.
  • Employees of the City of Memphis are eligible for membership.
9 more ways to join

Military, government and schools

  • Employees of the IRS Service Center in Memphis, TN are eligible for membership.
  • Employees of Memphis & Shelby County Library are eligible for membership.
  • Employees of Shelby County Sheriff's Office are eligible for membership.

Family and household

  • All immediate family of current members can become members regardless of residency.
  • Members of the immediate family or household of individuals in the field of membership are eligible for membership.
  • Spouses of persons who passed away while within the field of membership are eligible for membership.

Other ways

  • Individuals who were eligible for membership with Agility Financial Credit Union are eligible for membership.
  • Persons retired as pensioners or annuitants from the qualifying employment groups are eligible for membership.
  • Individuals who were eligible for membership with Smith & Nephew Employees Credit Union are eligible for membership.

Cost to join

  • A minimum deposit of $5.00 into a Savings Account is required to become a member.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details
← Memphis City Employees Credit Union overview