Credit union · NCUA insured
Trust Federal Credit Union CD Rates
Trust Federal Credit Union’s best CD rate is 3.90% APY on a 6-month share certificate (CD). Terms run from 6 months to 3 years. Rates checked October 15, 2026.
How Trust Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Chattanooga, TN-GA, where Trust Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Trust Federal Credit Union
3.90%APY
- Term
- 6 months
- Minimum
- $500
- Earns on $10,000
- $193
Share Certificate
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
Trust Federal Credit Union CD score
84
CD score
Higher than 66% of U.S. banks and credit unions
- 3–8 months3–8 mo3.90%
- 9–15 months9–15 mo3.85%
- 16–30 months16–30 mo3.75%
- 31–60 months31–60 mo3.25%
- QualifiedQualified3.90%
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 Trust 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 Certificate
Up to 3.90%APY · 5 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.90% | $193 |
| 12 months | 3.85% | $385 |
| 18 months | 3.75% | $568 |
| 24 months | 3.50% | $712 |
| 36 months | 3.25% | $1,007 |
Special-purpose accounts
IRA Certificate
Up to 3.90%APY · 5 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.90% | $193 |
| 12 months | 3.85% | $385 |
| 18 months | 3.75% | $568 |
| 24 months | 3.50% | $712 |
| 36 months | 3.25% | $1,007 |
Who can join Trust 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This may be incomplete or out of date, so check with the credit union before you apply.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
- Anyone who lives, works, worships, or attends class in downtown Chattanooga is eligible to join.
Employers and groups
- Members of the Chattanooga Audubon Society are eligible to join.
- Employees of Cigna are eligible to join.
- Employees of UNUM are eligible to join.
- Employees of WestRock are eligible to join.
Family and household
- Family of members are eligible to join.
Membership information collected October 5, 2026.