Credit union · NCUA insured
Tennessee Members 1st Federal Credit Union CD Rates
Tennessee Members 1st Federal Credit Union’s best CD rate is 4.25% APY on a 7-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Tennessee Members 1st Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Knoxville, TN, where Tennessee Members 1st Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Tennessee Members 1st Federal Credit Union
4.25%APY
- Term
- 7 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $246
Regular Certificate
Top rate
First Century Bank
5.01%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $501
2nd-highest rate
Knoxville TVA Employees Credit Union
5.00%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $500
Tennessee Members 1st Federal Credit Union CD score
87
CD score
Higher than 76% of U.S. banks and credit unions
- 3–8 months3–8 mo4.25%
- 9–15 months9–15 mo2.00%
- 16–30 months16–30 mo2.50%
- 31–60 months31–60 mo4.00%
- QualifiedQualified4.25%
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 Tennessee Members 1st Federal 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.
Regular Certificate
Up to 4.25%APY · 9 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 1.50% | $75 |
| 7 months*Minimum opening balance of $5,000 for 17 Month Certificate Special | 4.25% | $246 |
| 12 months | 2.00% | $200 |
| 15 months^No longer offering new 15-month certificates or Golden Classics Account status rate incentives | 1.75% | $219 |
| 18 months | 2.25% | $339 |
| 24 months | 2.50% | $506 |
| 36 months | 3.00% | $927 |
| 48 months | 3.00% | $1,255 |
| 60 months | 4.00% | $2,167 |
Sources (1)
- mymembersfirst.org/rates · captured Oct 15, 2026
Special-purpose accounts
IRA Certificate
Up to 2.00%APY · 2 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 1.75% | $175 |
| 24 months | 2.00% | $404 |
Sources (1)
- mymembersfirst.org/rates · captured Oct 15, 2026
Who can join Tennessee Members 1st Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Everyone who lives, works, worships, or attends school in Anderson, Knox, and Roane counties is eligible for membership.
Cost to join
- Membership requires opening a savings account with a minimum initial deposit of $5.00.
Membership information collected October 5, 2026.