Credit union · NCUA insured
St. Thomas Credit Union CD Rates
Top CarrotSt. Thomas Credit Union’s best CD rate is 4.22% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 16, 2026.
How St. Thomas Credit Union’s CD rates compare
Compared with banks and credit unions near Nashville, TN, where St. Thomas Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
St. Thomas Credit Union
4.10%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $410
Share Certificate Deposit
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
St. Thomas Credit Union CD score
85
CD score
Higher than 69% of U.S. banks and credit unions
- 3–8 months3–8 mo3.00%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo3.50%
- QualifiedQualified4.10%
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 St. Thomas 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.
Jumbo Share Certificate Deposit
Up to 4.22%APY · 6 terms
Interest posted quarterly. Fixed interest rate. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsInterest posted quarterly. Balance over $50,000 | 3.09% | — |
| 12 monthsInterest posted quarterly. Balance over $50,000 | 4.22% | — |
| 24 monthsInterest posted quarterly. Balance over $50,000 | 3.85% | — |
| 36 monthsInterest posted quarterly. Balance over $50,000 | 3.60% | — |
| 48 monthsInterest posted quarterly. Balance over $50,000 | 3.44% | — |
| 60 monthsInterest posted quarterly. Balance over $50,000 | 3.50% | — |
Sources (2)
All captured Oct 16, 2026
Share Certificate Deposit
Up to 4.10%APY · 6 terms
Interest posted at maturity. Fixed interest rate. Dividends posted at maturity. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsInterest posted at maturity | 3.00% | $149 |
| 12 monthsInterest posted at maturity | 4.10% | $410 |
| 24 monthsInterest posted at maturity | 3.75% | $764 |
| 36 monthsInterest posted at maturity | 3.50% | $1,087 |
| 48 monthsInterest posted at maturity | 3.35% | $1,409 |
| 60 monthsInterest posted at maturity | 3.40% | $1,820 |
Sources (2)
All captured Oct 16, 2026
Special-purpose accounts
Youth Shares Certificate Deposit
4.00%APY · 1 term
Interest posted at maturity. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsInterest posted at maturity | 4.00% | $400 |
Sources (1)
- stthomascreditunion.com/accountrates · captured Oct 16, 2026
Who can join St. Thomas Credit Union
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