Credit union · NCUA insured
ORNL Federal Credit Union CD Rates
ORNL Federal Credit Union’s best CD rate is 4.50% APY on a 3-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How ORNL Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Knoxville, TN, where ORNL Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
ORNL Federal Credit Union
4.50%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,412
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
ORNL Federal Credit Union CD score
91
CD score
Higher than 92% of U.S. banks and credit unions
- 3–8 months3–8 mo4.00%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo4.50%
- QualifiedQualified4.50%
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 ORNL Federal 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 4.50%APY · 11 terms
| Term | APY · Any balance | APY · $500 – $100,000 | APY · $100,000 – $250,000 | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3–5 months | — | 3.75% | 3.75% | 3.75% | 3.75%3.75% $100k–$250k3.75% from $250k | $92 |
| 6–11 months | — | 3.75% | 3.75% | 3.75% | 3.75%3.75% $100k–$250k3.75% from $250k | $186 |
| 7 months7-Month PROMOTIONAL ($500 minimum deposit required) | 4.00% | — | — | — | 4.00% | $231 |
| 9 months9-Month PROMOTIONAL ($500 minimum deposit required) | 4.00% | — | — | — | 4.00% | $299 |
| 12–23 months | — | 3.75% | 3.75% | 3.75% | 3.75%3.75% $100k–$250k3.75% from $250k | $375 |
| 12 months12-Month PROMOTIONAL ($500 minimum deposit required) | 4.25% | — | — | — | 4.25% | $425 |
| 24–35 months | — | 3.00% | 3.00% | 3.00% | 3.00%3.00% $100k–$250k3.00% from $250k | $609 |
| 36–47 months | — | 3.00% | 3.00% | 3.00% | 3.00%3.00% $100k–$250k3.00% from $250k | $927 |
| 36 months36-Month PROMOTIONAL ($500 minimum deposit required) | 4.50% | — | — | — | 4.50% | $1,412 |
| 48–59 months | — | 3.00% | 3.00% | 3.00% | 3.00%3.00% $100k–$250k3.00% from $250k | $1,255 |
| 60 months | — | 3.00% | 3.00% | 3.00% | 3.00%3.00% $100k–$250k3.00% from $250k | $1,593 |
| 60 months60-Month PROMOTIONAL ($500 minimum deposit required) | 4.50% | — | — | — | 4.50% | $2,462 |
Sources (1)
- ornlfcu.com/personal/rates · captured Oct 15, 2026
Special-purpose accounts
IRA Certificates
Up to 4.50%APY · 11 terms
Any certificate may be opened as an IRA Certificate
| Term | APY · Any balance | APY · $500 – $100,000 | APY · $100,000 – $250,000 | APY · $250,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3–5 monthsAny certificate may be opened as an IRA Certificate | — | 3.75% | 3.75% | 3.75% | 3.75%3.75% $100k–$250k3.75% from $250k | $92 |
| 6–11 monthsAny certificate may be opened as an IRA Certificate | — | 3.75% | 3.75% | 3.75% | 3.75%3.75% $100k–$250k3.75% from $250k | $186 |
| 7 months7-Month IRA PROMOTIONAL ($500 minimum deposit required) | 4.00% | — | — | — | 4.00% | $231 |
| 9 months9-Month IRA PROMOTIONAL ($500 minimum deposit required) | 4.00% | — | — | — | 4.00% | $299 |
| 12 months12-Month IRA PROMOTIONAL ($500 minimum deposit required) | 4.25% | — | — | — | 4.25% | $425 |
| 12–23 monthsAny certificate may be opened as an IRA Certificate | — | 3.75% | 3.75% | 3.75% | 3.75%3.75% $100k–$250k3.75% from $250k | $375 |
| 24–35 monthsAny certificate may be opened as an IRA Certificate | — | 3.00% | 3.00% | 3.00% | 3.00%3.00% $100k–$250k3.00% from $250k | $609 |
| 36 months36-Month IRA PROMOTIONAL ($500 minimum deposit required) | 4.50% | — | — | — | 4.50% | $1,412 |
| 36–47 monthsAny certificate may be opened as an IRA Certificate | — | 3.00% | 3.00% | 3.00% | 3.00%3.00% $100k–$250k3.00% from $250k | $927 |
| 48–59 monthsAny certificate may be opened as an IRA Certificate | — | 3.00% | 3.00% | 3.00% | 3.00%3.00% $100k–$250k3.00% from $250k | $1,255 |
| 60 months60-Month IRA PROMOTIONAL ($500 minimum deposit required) | 4.50% | — | — | — | 4.50% | $2,462 |
| 60 monthsAny certificate may be opened as an IRA Certificate | — | 3.00% | 3.00% | 3.00% | 3.00%3.00% $100k–$250k3.00% from $250k | $1,593 |
Sources (1)
- ornlfcu.com/personal/rates · captured Oct 15, 2026
Who can join ORNL Federal Credit Union
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