Credit union · NCUA insured
Tennessee Valley Federal Credit Union CD Rates
Top CarrotTennessee Valley Federal Credit Union’s best CD rate is 4.50% APY on a 1-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Tennessee Valley Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Chattanooga, TN-GA, where Tennessee Valley Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Tennessee Valley Federal Credit Union
4.50%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $450
Share Certificates
Top rate
First Jackson Bank
5.01%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,769
3rd-highest rate
SouthEast Bank
4.35%APY
- Term
- 12 months
- Minimum
- $1,000
- Earns on $10,000
- $435
Tennessee Valley Federal Credit Union CD score
95
CD score
Higher than 97% of U.S. banks and credit unions
- 3–8 months3–8 mo4.15%
- 9–15 months9–15 mo4.50%
- 16–30 months16–30 mo4.25%
- 31–60 months31–60 mo3.25%
- 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 Tennessee Valley 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.
Share Certificates
Up to 4.50%APY · 6 terms
Early withdrawals may incur penalties. No setup or maintenance fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsA penalty applies for early withdrawal | 4.15% | $205 |
| 12 monthsA penalty applies for early withdrawal | 4.50% | $450 |
| 18 monthsA penalty applies for early withdrawal | 4.25% | $644 |
| 24 monthsA penalty applies for early withdrawal | 4.00% | $816 |
| 30 monthsA penalty applies for early withdrawal | 3.25% | $832 |
| 60 monthsA penalty applies for early withdrawal | 3.25% | $1,734 |
Sources (3)
All captured Oct 9, 2026
Special-purpose accounts
IRA Certificates
Up to 4.50%APY · 6 terms
Available within Traditional, Roth, and Coverdell ESA IRAs. Early withdrawal penalties may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsA penalty applies for early withdrawal | 4.15% | $205 |
| 12 monthsA penalty applies for early withdrawal | 4.50% | $450 |
| 18 monthsA penalty applies for early withdrawal | 4.25% | $644 |
| 24 monthsA penalty applies for early withdrawal | 4.00% | $816 |
| 30 monthsA penalty applies for early withdrawal | 3.25% | $832 |
| 60 monthsA penalty applies for early withdrawal | 3.25% | $1,734 |
Who can join Tennessee Valley 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
- Businesses or organizations operating within TVFCU's 17-county region are eligible for membership.
- Individuals who live, work, worship, volunteer, or attend school in TVFCU's 17-county community are eligible for membership.
Employers and groups
- Members of the Chattanooga Audubon Society are eligible for membership.
Family and household
- Individuals who have a family member who is already a TVFCU member are eligible for membership.
- Individuals who share a household with a member, including domestic partners or live-in relatives, are eligible for membership.
- Individuals temporarily away from the household (such as a student or military service member) are eligible for membership.
Cost to join
- TVFCU does not charge a membership fee.
Membership information collected October 5, 2026.