Credit union · NCUA insured
TEN Credit Union CD Rates
TEN Credit Union’s best CD rate is 4.50% APY on a 7-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How TEN Credit Union’s CD rates compare
Compared with banks and credit unions near Nashville, TN, where TEN Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
TEN Credit Union
4.50%APY
- Term
- 7 months
- Minimum
- $500
- Earns on $10,000
- $260
Share Certificate
2nd-highest rate
City National Bank
4.39%APY
- Term
- 12 months
- Minimum
- $2,500
- Earns on $10,000
- $439
3rd-highest rate
Veritas Federal Credit Union
4.35%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $398
TEN Credit Union CD score
77
CD score
Higher than 43% of U.S. banks and credit unions
- 3–8 months3–8 mo4.50%
- 9–15 months9–15 mo2.25%
- 16–30 months16–30 mo2.25%
- 31–60 months31–60 mo2.25%
- 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 TEN 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 4.50%APY · 10 terms
Membership with Ten Credit Union required. Funds federally insured by NCUA up to $250,000. Early withdrawal penalties may apply. Automatically renews at maturity at current rate unless indicated otherwise. Withdrawal of dividends before maturity will reduce earnings.
| Term | APY · Any balance | APY · $500 – $100,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsDividends credited/paid monthly | 2.25% | — | 2.25% | $56 |
| 6 monthsDividends credited/paid monthly | 2.25% | — | 2.25% | $112 |
| 7 monthsDividends credited/paid monthly | 4.50% | — | 4.50% | $260 |
| 7 monthsNew money only promotion. Automatically rolls over to a 7-month share certificate at then-current market rate after term. Dividends credited/paid monthly | — | 4.50% | 4.50% | $260 |
| 9 monthsDividends credited/paid monthly | 2.25% | — | 2.25% | $168 |
| 12 monthsDividends credited/paid monthly | 2.25% | — | 2.25% | $225 |
| 18 monthsDividends credited/paid monthly | 2.25% | — | 2.25% | $339 |
| 24 monthsDividends credited/paid monthly | 2.25% | — | 2.25% | $455 |
| 36 monthsDividends credited/paid monthly | 2.25% | — | 2.25% | $690 |
| 48 monthsDividends credited/paid monthly | 2.25% | — | 2.25% | $931 |
| 60 monthsDividends credited/paid monthly | 2.25% | — | 2.25% | $1,177 |
Special-purpose accounts
Share IRA Certificate
Up to 4.50%APY · 10 terms
Membership with Ten Credit Union required. Funds federally insured by NCUA up to $250,000. Traditional and Roth IRAs available. No setup or maintenance fees. Early withdrawal penalties may apply. Automatically renews at maturity at current rate unless indicated otherwise. Withdrawal of dividends before maturity will reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsDividends credited monthly | 2.25% | $56 |
| 6 monthsDividends credited monthly | 2.25% | $112 |
| 7 monthsDividends credited monthly | 4.50% | $260 |
| 9 monthsDividends credited monthly | 2.25% | $168 |
| 12 monthsDividends credited monthly | 2.25% | $225 |
| 18 monthsDividends credited monthly | 2.25% | $339 |
| 24 monthsDividends credited monthly | 2.25% | $455 |
| 36 monthsDividends credited monthly | 2.25% | $690 |
| 48 monthsDividends credited monthly | 2.25% | $931 |
| 60 monthsDividends credited monthly | 2.25% | $1,177 |
Sources (3)
- tencu.com/personal/savings/share-certificates.html
- tencu.com/resources/information/rates.html
- tencu.com/mortgage-application.html
All captured Oct 5, 2026
Who can join TEN Credit Union
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