Credit union · NCUA insured
Vanderbilt Credit Union CD Rates
Vanderbilt Credit Union’s best CD rate is 3.82% APY on a 1-month share certificate (CD). Terms run from 1 month to 2 years. Rates checked October 15, 2026.
How Vanderbilt Credit Union’s CD rates compare
Compared with banks and credit unions near Nashville, TN, where Vanderbilt Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Vanderbilt Credit Union
3.82%APY
- Term
- 1–6 months
- Minimum
- $1,000
- Earns on $10,000
- —
Certificates
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
Vanderbilt Credit Union CD score
67
CD score
Higher than 18% of U.S. banks and credit unions
- 3–8 months3–8 mo3.30%
- 9–15 months9–15 mo3.05%
- 16–30 months16–30 mo2.79%
- QualifiedQualified3.30%
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 Vanderbilt 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 3.82%APY · 5 terms
Minimum deposit of $1,000. Early withdrawal penalty may apply. Dividends/interest compounded and credited quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1–6 months | 3.82% | $31 |
| 6–12 months | 3.30% | $164 |
| 12–18 months | 3.05% | $305 |
| 18–24 months | 2.79% | $421 |
| 24–36 months | 2.28% | $461 |
Sources (1)
- vanderbiltcu.org/banking-services/other-banking-services · captured Oct 15, 2026
Certificates of Deposit
Up to 3.82%APY · 5 terms
Minimum deposit of $1,000. Early withdrawal penalty may apply. Dividends/interest compounded and credited quarterly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 1–6 months | 3.82% | $31 |
| 6–12 months | 3.30% | $164 |
| 12–18 months | 3.05% | $305 |
| 18–24 months | 2.79% | $421 |
| 24–36 months | 2.28% | $461 |
Sources (1)
- vanderbiltcu.org/banking-services/other-banking-services · captured Sep 18, 2026
Who can join Vanderbilt Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Any employee, faculty member, student, or officer of administration of affiliated organizations is eligible to join.
- Associations or organizations composed of the same general membership are eligible to join.
- Individuals retired from Vanderbilt University are eligible to join.
Military, government and schools
- Vanderbilt postdoctoral fellows supported by funds that do not allow them to be considered employees are eligible for membership.
- Any employee, faculty member, student, or officer of administration of Vanderbilt University is eligible for membership.
Family and household
- Members of the immediate family of eligible individuals are eligible to join.
Cost to join
- There is a one-time membership fee of twenty-five cents ($0.25).
- Must maintain a balance in share account of twenty-five dollars ($25.00).
Membership information collected October 5, 2026.