Credit union · NCUA insured
Scenic Community Credit Union CD Rates
Top CarrotScenic Community Credit Union’s best CD rate is 4.16% APY on a 3-year share certificate (CD). Terms run from 3 months to 3 years. Rates checked October 15, 2026.
How Scenic Community Credit Union’s CD rates compare
Compared with banks and credit unions near Chattanooga, TN-GA, where Scenic Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Scenic Community Credit Union
4.16%APY
- Term
- 36 months
- Minimum
- $500
- Earns on $10,000
- $1,301
Share Certificates
Top rate
First Jackson Bank
5.01%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,769
2nd-highest rate
Tennessee Valley Federal Credit Union
4.50%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $450
Scenic Community Credit Union CD score
90
CD score
Higher than 90% of U.S. banks and credit unions
- 3–8 months3–8 mo3.95%
- 9–15 months9–15 mo4.06%
- 16–30 months16–30 mo4.11%
- 31–60 months31–60 mo4.16%
- QualifiedQualified4.16%
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 Scenic Community 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 4.16%APY · 5 terms
Early withdrawal penalties apply (90 days' dividends for terms of 1 year or less; 180 days' dividends for terms longer than 1 year). Minimum deposit and balance is $2,500 for terms under 2 years and $500 for terms of 2 years or more.
| Term | APY · $500 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months91 Day term ($2,500 minimum). Early withdrawal penalty of 90 days' dividends applies | — | 3.95% | 3.95% | $97 |
| 6 months26 Week term ($2,500 minimum). Early withdrawal penalty of 90 days' dividends applies | — | 3.95% | 3.95% | $196 |
| 12 months1 Year term ($2,500 minimum). Early withdrawal penalty of 90 days' dividends applies | — | 4.06% | 4.06% | $406 |
| 24–30 months24 to 30 Months term ($500 minimum). Early withdrawal penalty of 180 days' dividends applies | 4.11% | — | 4.11% | $839 |
| 36 months36 Months term ($500 minimum). Early withdrawal penalty of 180 days' dividends applies | 4.16% | — | 4.16% | $1,301 |
Special-purpose accounts
IRA Share Certificate Account
Up to 4.16%APY · 5 terms
Can be opened as Traditional, Roth, or Coverdell ESA IRA. Conditions and rates are the same as regular Share Certificate Accounts. Early withdrawal penalties apply.
| Term | APY · $500 and up | APY · $2,500 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months91 Day term ($2,500 minimum). Early withdrawal penalty of 90 days' dividends applies. Conditions are the same as with regular Share Certificate Accounts | — | 3.95% | 3.95% | $97 |
| 6 months26 Week term ($2,500 minimum). Early withdrawal penalty of 90 days' dividends applies. Conditions are the same as with regular Share Certificate Accounts | — | 3.95% | 3.95% | $196 |
| 12 months1 Year term ($2,500 minimum). Early withdrawal penalty of 90 days' dividends applies. Conditions are the same as with regular Share Certificate Accounts | — | 4.06% | 4.06% | $406 |
| 24–30 months24 to 30 Months term ($500 minimum). Early withdrawal penalty of 180 days' dividends applies. Conditions are the same as with regular Share Certificate Accounts | 4.11% | — | 4.11% | $839 |
| 36 months36 Months term ($500 minimum). Early withdrawal penalty of 180 days' dividends applies. Conditions are the same as with regular Share Certificate Accounts | 4.16% | — | 4.16% | $1,301 |
Sources (2)
All captured Oct 5, 2026
Who can join Scenic Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals who live or work in Catoosa County, Walker County, or Dade County, Georgia are eligible to join.
- Individuals who live, work, worship, volunteer, or go to school in Hamilton County, Sequatchie County, or Marion County, Tennessee are eligible to join.
Family and household
- Immediate family and household members of individuals who meet the geographic eligibility criteria are eligible to join.
Other ways
- Businesses and organizations that meet the eligibility criteria are eligible to join.
Membership information collected October 5, 2026.