Credit union · NCUA insured
New South Credit Union CD Rates
New South Credit Union’s best CD rate is 2.50% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How New South Credit Union’s CD rates compare
Compared with banks and credit unions near Knoxville, TN, where New South Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
New South Credit Union
2.50%APY
- Term
- 60 months
- Requires
- None
- Minimum
- $0
- Earns on $10,000
- $1,314
Certificates
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
New South Credit Union CD score
63
CD score
Higher than 8% of U.S. banks and credit unions
- 3–8 months3–8 mo0.50%
- 9–15 months9–15 mo1.00%
- 16–30 months16–30 mo1.50%
- 31–60 months31–60 mo2.50%
- QualifiedQualified2.50%
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 New South 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.
Certificates
Up to 2.50%APY · 6 terms
Minimum and maximum balance requirements may apply and effect the amount of interest earned.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.50% | $25 |
| 12 months | 1.00% | $100 |
| 24 months | 1.50% | $302 |
| 36 months | 2.00% | $612 |
| 48 months | 2.25% | $931 |
| 60 months | 2.50% | $1,314 |
Sources (3)
All captured Oct 5, 2026
Rate Climber Certificate
Up to 1.85%APY · 2 terms
You decide when to raise the rate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsYou decide when to raise the rate | 1.35% | $272 |
| 36 monthsYou decide when to raise the rate | 1.85% | $565 |
Sources (1)
- newsouthcu.com/rate_srates.html · captured Oct 5, 2026
Special-purpose accounts
IRA Certificates
Up to 3.50%APY · 3 terms
Minimum and maximum balance requirements may apply and effect the amount of interest earned.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 3.50% | $350 |
| 24 months | 1.50% | $302 |
| 36 months | 2.00% | $612 |
Who can join New South Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Anyone who lives, works, attends school, or worships in Knox County, TN, Grainger County, TN, or Union County, TN is eligible for membership.
Family and household
- Anyone related by blood or marriage to a current or eligible New South member is eligible for membership.
Cost to join
- Membership is free, requiring a share deposit of at least $5 into a primary savings account to become a shareholder and member-owner.
Membership information collected October 5, 2026.