Credit union · NCUA insured
US Community Credit Union CD Rates
Top CarrotUS Community Credit Union’s best CD rate is 4.23% APY on a 5-year share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 15, 2026.
How US Community Credit Union’s CD rates compare
Compared with banks and credit unions near Nashville, TN, where US Community Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
US Community Credit Union
4.18%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,272
Certificate
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
US Community Credit Union CD score
89
CD score
Higher than 86% of U.S. banks and credit unions
- 3–8 months3–8 mo3.33%
- 9–15 months9–15 mo4.11%
- 16–30 months16–30 mo4.02%
- 31–60 months31–60 mo4.18%
- QualifiedQualified4.18%
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 US Community 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.
Certificate
Up to 4.18%APY · 10 terms
Membership required with $5 par value share deposit. Penalty for early withdrawal. Rates prospective/current as of 9-11-2026.
| Term | APY · $500 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 monthsQuarterly dividends | 2.99% | 3.04% | 2.99%3.04% from $100k | $74 |
| 6 monthsMonthly dividends | 3.10% | 3.10% | 3.10%3.10% from $100k | $154 |
| 6 monthsQuarterly dividends | 3.33% | 3.38% | 3.33%3.38% from $100k | $165 |
| 9 monthsQuarterly dividends | 3.59% | 3.64% | 3.59%3.64% from $100k | $268 |
| 12 monthsMonthly dividends | 3.25% | 3.25% | 3.25%3.25% from $100k | $325 |
| 12 monthsQuarterly dividends | 3.85% | 3.91% | 3.85%3.91% from $100k | $385 |
| 18 monthsMonthly dividends | 3.35% | 3.35% | 3.35%3.35% from $100k | $507 |
| 18 monthsQuarterly dividends | 3.91% | 3.96% | 3.91%3.96% from $100k | $592 |
| 24 monthsMonthly dividends | 3.45% | 3.45% | 3.45%3.45% from $100k | $702 |
| 24 monthsQuarterly dividends | 3.97% | 4.02% | 3.97%4.02% from $100k | $810 |
| 30 months | 4.02% | 4.07% | 4.02%4.07% from $100k | $1,036 |
| 36 months | 4.07% | 4.13% | 4.07%4.13% from $100k | $1,271 |
| 48 months | 4.13% | 4.18% | 4.13%4.18% from $100k | $1,757 |
| 60 months | 4.18% | 4.23% | 4.18%4.23% from $100k | $2,272 |
Sources (1)
- usccu.org/rates/deposit-rates · captured Sep 18, 2026
12 Month (Quarterly) Certificate Special
4.11%APY · 1 term
Must be opened with New Money only (money not on deposit at US Community Credit Union within prior 6 months). Non-members must join and open share account with $5 minimum deposit. Rate available until first maturity. Early withdrawal penalty. Limited time only.
| Term | APY · $2,500 – $250,000 | APY · $250,000 – $500,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 monthsJumbo 12 Month (Quarterly) Certificate Special. New money required. Special rate only available until first maturity | — | 4.17% | —4.17% $250k–$500k | — |
| 12 monthsRegular 12 Month (Quarterly) Certificate Special. New money required. Special rate only available until first maturity | 4.11% | — | 4.11% | $411 |
13 Month New Member Special
4.01%APY · 1 term
Must be opened within 30 days of new membership being established at US Community Credit Union. One-time opportunity for new members. New money only (money not on deposit at credit union within prior 6 months). Non-members must join and open share account with $5 deposit. Rate available until first maturity. Early withdrawal penalty. Limited time only.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 monthsMust be opened within 30 days of opening membership. New money required. Special rate only available until first maturity | 4.01% | $435 |
Sources (3)
All captured Sep 18, 2026
Value Plus Certificate
3.09%APY · 1 term
Penalty may be imposed for early withdrawal. Rates current as of 9-11-2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.09% | $153 |
Sources (1)
- usccu.org/rates/deposit-rates · captured Sep 18, 2026
Special-purpose accounts
IRA Certificate
Up to 4.23%APY · 6 terms
Available as Traditional IRA Certificate or Roth IRA Certificate. Penalty may be imposed for early withdrawal. Rates current as of 9-11-2026.
| Term | APY · $500 – $100,000 | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 12 monthsTraditional and Roth IRA Certificate. Jumbo balance tier | — | 4.01% | —4.01% from $100k | — |
| 12 monthsTraditional and Roth IRA Certificate. Regular balance tier | 3.96% | — | 3.96% | $396 |
| 18 monthsTraditional and Roth IRA Certificate. Jumbo balance tier | — | 4.07% | —4.07% from $100k | — |
| 18 monthsTraditional and Roth IRA Certificate. Regular balance tier | 4.02% | — | 4.02% | $609 |
| 24 monthsTraditional and Roth IRA Certificate. Jumbo balance tier | — | 4.12% | —4.12% from $100k | — |
| 24 monthsTraditional and Roth IRA Certificate. Regular balance tier | 4.07% | — | 4.07% | $831 |
| 36 monthsTraditional and Roth IRA Certificate. Jumbo balance tier | — | 4.18% | —4.18% from $100k | — |
| 36 monthsTraditional and Roth IRA Certificate. Regular balance tier | 4.13% | — | 4.13% | $1,291 |
| 48 monthsTraditional and Roth IRA Certificate. Jumbo balance tier | — | 4.23% | —4.23% from $100k | — |
| 48 monthsTraditional and Roth IRA Certificate. Regular balance tier | 4.18% | — | 4.18% | $1,780 |
| 60 monthsTraditional and Roth IRA Certificate. Jumbo balance tier | — | 4.28% | —4.28% from $100k | — |
| 60 monthsTraditional and Roth IRA Certificate. Regular balance tier | 4.23% | — | 4.23% | $2,302 |
Roth IRA Variable Account
0.20%APY
Variable-rate Roth IRA savings account. Penalty for early withdrawal. Rates subject to change. Federally insured by NCUA. APY=Annual Percentage Yield. Final dividend rates are declared by the Board of Directors at the end of each calendar quarter.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upRoth IRA Variable Acct. Variable rate may change at any time.$100 and up | 0.20% | $20 | Roth IRA Variable Acct. Variable rate may change at any time. |
Sources (1)
- usccu.org/rates/deposit-rates · captured Sep 18, 2026
Traditional IRA Variable Account
0.20%APY
Variable-rate IRA savings account. Penalty for early withdrawal. Rates subject to change. Federally insured by NCUA. APY=Annual Percentage Yield. Final dividend rates are declared by the Board of Directors at the end of each calendar quarter.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upIRA Variable Acct. Variable rate may change at any time.$100 and up | 0.20% | $20 | IRA Variable Acct. Variable rate may change at any time. |
Sources (1)
- usccu.org/rates/deposit-rates · captured Sep 18, 2026
Closed to new customers
25 Month Certificate Retention Special
4.32%APY · 1 term
Only available to members who have a current certificate special reaching maturity. No early surrenders allowed. Special rate only available until first maturity. Penalty for early withdrawal. Limited time only.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 25 monthsNo minimum new money required. Only available to members with a maturing certificate special. No early surrenders allowed. Rate available until first maturity | 4.32% | $921 |
Who can join US Community Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, volunteer, or attend school in, as well as businesses and legal entities located in, 14 specified Tennessee counties.
Employers and groups
- Membership is open to individuals who become members of Friends of Monroe Carrell Jr. Children's Hospital At Vanderbilt, subject to geographical restrictions.
Family and household
- Immediate family members (including spouses, children, grandchildren, parents, grandparents, siblings, and step-relatives) or household members of eligible members can join.
Membership information collected October 5, 2026.