Credit union · NCUA insured
Southeast Financial Credit Union CD Rates
Southeast Financial Credit Union’s best CD rate is 3.35% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How Southeast Financial Credit Union’s CD rates compare
Compared with banks and credit unions near Nashville, TN, where Southeast Financial Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Southeast Financial Credit Union
3.35%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $1,791
Share Certificate
Top rate
TEN Credit Union
4.50%APY
- Term
- 7 months
- Minimum
- $500
- Earns on $10,000
- $260
2nd-highest rate
City National Bank
4.39%APY
- Term
- 12 months
- Minimum
- $2,500
- Earns on $10,000
- $439
Southeast Financial Credit Union CD score
70
CD score
Higher than 27% of U.S. banks and credit unions
- 3–8 months3–8 mo2.50%
- 9–15 months9–15 mo2.85%
- 16–30 months16–30 mo3.00%
- 31–60 months31–60 mo3.35%
- QualifiedQualified3.35%
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 Southeast Financial 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 Certificate
Up to 3.35%APY · 9 terms
Early withdrawal penalty: all dividends posted for terms < 6 months, 6 months dividends for terms >= 6 months. 7-calendar-day grace period after maturity. Optional checking relationship provides bonus 0.15% APY on new certificates.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 0.50% | $12 |
| 6 months | 2.50% | $124 |
| 12 months | 2.85% | $285 |
| 18 months | 2.80% | $423 |
| 24 months | 2.90% | $588 |
| 30 months | 3.00% | $767 |
| 36 months | 3.00% | $927 |
| 48 months | 3.25% | $1,365 |
| 60 months | 3.35% | $1,791 |
DreamBuilder Certificate
0.50%APY · 1 term
Early withdrawal penalty applies (all dividends posted for terms < 6 months, 6 months dividends for terms >= 6 months). 7-calendar-day grace period after maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 0.50% | $25 |
Sources (3)
- southeastfinancial.org/rates
- southeastfinancial.org/certificates
- southeastfinancial.org/certificates-iras-rates
All captured Oct 5, 2026
Special-purpose accounts
IRA Share Certificate
Up to 3.35%APY · 8 terms
Available as Traditional or Roth IRA. IRAs not eligible for 90-day term. Early withdrawal penalty: 6 months of dividends for terms >= 6 months. 7-calendar-day grace period after maturity.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.50% | $124 |
| 12 months | 2.85% | $285 |
| 18 months | 2.80% | $423 |
| 24 months | 2.90% | $588 |
| 30 months | 3.00% | $767 |
| 36 months | 3.00% | $927 |
| 48 months | 3.25% | $1,365 |
| 60 months | 3.35% | $1,791 |
Sources (3)
- southeastfinancial.org/iras
- southeastfinancial.org/rates
- southeastfinancial.org/certificates-iras-rates
All captured Oct 5, 2026
Who can join Southeast Financial Credit Union
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