Credit union · NCUA insured
UT Federal Credit Union CD Rates
UT Federal Credit Union’s best CD rate is 4.25% APY on a 7-month share certificate (CD), with extra requirements. Terms run from 3 months to 4 years. Rates checked October 15, 2026.
How UT Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Knoxville, TN, where UT Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
UT Federal Credit Union
4.25%APY
- Term
- 7 months
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000
- $246
Certificates
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
UT Federal Credit Union CD score
89
CD score
Higher than 87% of U.S. banks and credit unions
- 3–8 months3–8 mo4.25%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo3.25%
- 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 UT 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.
Certificates
Up to 4.25%APY · 12 terms
All regular (non-special/promo) certificates require a $1,000 minimum deposit. Early withdrawal penalties may apply. Federally insured by NCUA.
| Term | APY · $100 and up | APY · $1,000 and up | APY · $1,000 – $500,000 | APY · $5,000 – $500,000 | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|
| 3 months | — | 0.45% | — | — | 0.45% | $11 |
| 6 months | — | 0.60% | — | — | 0.60% | $30 |
| 7 months7 Month Relationship Special. Rate applies to new money deposits. The 4.25% APY includes a 0.25% relationship pricing bump for members with an active direct deposit and debit card. Standard APY without relationship pricing is 4.00% APY | — | — | — | 4.25% | 4.25% | $246 |
| 7 monthsRate applies to new money deposits. Rate effective 9.22.2026 | — | — | — | 4.00% | 4.00% | $231 |
| 12 months | — | 1.50% | — | — | 1.50% | $150 |
| 12 months12 Month Add-On Certificate. Dividends paid quarterly. Minimum add-on deposit after opening is $25 and can only be made at a branch location or by contacting the Digital Branch; signature on receipt required. Monthly paid dividends not available. Automatically renews into same Add-On Certificate type and term at maturity | 2.00% | — | — | — | 2.00% | $200 |
| 14 months14 Month Relationship Special. Rate applies to new money deposits. The 4.00% APY includes a 0.25% relationship pricing bump for members with an active direct deposit and debit card. Standard APY without relationship pricing is 3.75% APY | — | — | — | 4.00% | 4.00% | $468 |
| 14 monthsRate applies to new money deposits. Rate effective 9.22.2026 | — | — | — | 3.75% | 3.75% | $439 |
| 18 months | — | 1.55% | — | — | 1.55% | $233 |
| 23 months23 Month Bump Rate Special. Rate applies to new money deposits. Option to make a one-time dividend rate adjustment during initial term to rate in effect for same (or closest) term certificate | — | — | 3.25% | — | 3.25% | $632 |
| 24 months | — | 1.60% | — | — | 1.60% | $323 |
| 30 months | — | 1.65% | — | — | 1.65% | $418 |
| 35 months35 Month Relationship Special. Rate applies to new money deposits. The 4.00% APY includes a 0.25% relationship pricing bump for members with an active direct deposit and debit card. Standard APY without relationship pricing is 3.75% APY | — | — | — | 4.00% | 4.00% | $1,212 |
| 35 monthsRate applies to new money deposits. Rate effective 9.22.2026 | — | — | — | 3.75% | 3.75% | $1,134 |
| 36 months | — | 1.70% | — | — | 1.70% | $519 |
| 48 months | — | 1.75% | — | — | 1.75% | $719 |
Sources (1)
- utfcu.org/personal/checking-and-savings/certificates · captured Oct 5, 2026
Special-purpose accounts
Educational IRA Certificate
1.55%APY · 1 term
Educational IRA certificate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 18 months$100 min. & $2,000 max | 1.55% | — |
Sources (1)
- utfcu.org/personal/checking-and-savings/certificates · captured Oct 5, 2026
Who can join UT 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
- Membership is open to anyone who lives, works, worships, conducts business, or attends school in Anderson, Blount, Knox, Loudon, and Union counties in Tennessee.
Cost to join
- Membership requires an initial share deposit of $5.00 into a savings share account.
Membership information collected October 5, 2026.