Credit union · NCUA insured
Southern CU CD Rates
Southern CU’s best CD rate is 3.56% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Southern CU’s CD rates compare
Compared with banks and credit unions near Chattanooga, TN-GA, where Southern CU has the most branches. $10,000, best rate first.
This credit union’s best
Southern CU
3.56%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $176
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
Southern CU CD score
74
CD score
Higher than 37% of U.S. banks and credit unions
- 3–8 months3–8 mo3.56%
- 9–15 months9–15 mo3.56%
- 16–30 months16–30 mo3.30%
- 31–60 months31–60 mo3.11%
- QualifiedQualified3.56%
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 Southern CU 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 3.56%APY · 8 terms
Dividends and interest credited monthly. Once purchased, rate remains the same until maturity. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends credited monthly. Early withdrawal penalty applies | 3.56% | $176 |
| 12 monthsDividends credited monthly. Early withdrawal penalty applies | 3.56% | $356 |
| 18 monthsDividends credited monthly. Early withdrawal penalty applies | 3.30% | $499 |
| 24 monthsDividends credited monthly. Early withdrawal penalty applies | 3.30% | $671 |
| 30 monthsDividends credited monthly. Early withdrawal penalty applies | 3.11% | $796 |
| 36 monthsDividends credited monthly. Early withdrawal penalty applies | 3.11% | $962 |
| 48 monthsDividends credited monthly. Early withdrawal penalty applies | 3.11% | $1,303 |
| 60 monthsDividends credited monthly. Early withdrawal penalty applies | 3.11% | $1,655 |
Special-purpose accounts
IRA Certificates
Up to 3.56%APY · 8 terms
Dividends and interest credited monthly. Once purchased, rate remains the same until maturity. Early withdrawal penalty applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends credited monthly. Early withdrawal penalty applies | 3.56% | $176 |
| 12 monthsDividends credited monthly. Early withdrawal penalty applies | 3.56% | $356 |
| 18 monthsDividends credited monthly. Early withdrawal penalty applies | 3.30% | $499 |
| 24 monthsDividends credited monthly. Early withdrawal penalty applies | 3.30% | $671 |
| 30 monthsDividends credited monthly. Early withdrawal penalty applies | 3.11% | $796 |
| 36 monthsDividends credited monthly. Early withdrawal penalty applies | 3.11% | $962 |
| 48 monthsDividends credited monthly. Early withdrawal penalty applies | 3.11% | $1,303 |
| 60 monthsDividends credited monthly. Early withdrawal penalty applies | 3.11% | $1,655 |
Sources (1)
- southerncu.com/savings-rates · captured Sep 18, 2026
Who can join Southern CU
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