Compare Bank & Credit Union Rates
Best CD rates in Chattanooga, TN
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Chattanooga, TN
- Tennessee Valley Federal Credit UnionShare CertificatesCD · 12 months · $1,000 min
Credit union · 10 branches
4.50%APY$450 over 1 year on $10,000Requirements
Product: Early withdrawals may incur penalties. No setup or maintenance fees.
Offer: A penalty applies for early withdrawal.
4.43% interest rate
Rate checked
More details - 4.35%APY$435 over 1 year on $10,000intro rate
Requirements
Offer: Limited-time offer. Promo rate valid during initial term only; not applicable to renewals. No minimum balance required to earn APY. Compounded quarterly. Early withdrawal penalty applies.
Promotional rate · 4.28% interest rate · Compounded quarterly · Effective Sep 24, 2026
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More details - 4.34%APY$215 over 6 months on $10,000
4.25% interest rate · Effective Mar 7, 2025
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More details - Chattanooga Federal Employees Credit UnionCertificateCD · 12 months · $1,000 min
Credit union · 1 branch
4.27%APY$427 over 1 year on $10,0004.20% interest rate
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More details - COMTRUST Federal Credit UnionCertificates of Deposit (CDs)CD · 6 months · $1,000 min
Credit union · 3 branches
4.25%APY$210 over 6 months on $10,000Requirements
Product: Certificate requires $1,000 minimum to open and will automatically renew at the end of the term. Fees may reduce earnings on account. Rates subject to change without notice. Penalty for early withdrawal. Federally insured up to $250,000 by NCUA. Opening a CD online is available to existing members; new members can open an account online and add a certificate once membership is established.
Offer: Annual Percentage Yield is based on monthly compounding. Penalty for early withdrawal. Automatically renews at the end of the term.
4.17% interest rate
Rate checked
More details - 4.16%APY$206 over 6 months on $10,000
Requirements
Product: Certificate Rates are set for the term of the account. Early withdrawal penalty applies.
Offer: Early withdrawal penalty applies. Certificate Rates are set for the term of the account.
4.10% interest rate · Effective Sep 17, 2025
Rate checked
More details - 4.16%APY$1,301 over 36 months on $10,000
Requirements
Product: Early withdrawal penalties apply (90 days' dividends for terms of 1 year or less; 180 days' dividends for terms longer than 1 year). Minimum deposit and balance is $2,500 for terms under 2 years and $500 for terms of 2 years or more.
Offer: 36 Months term ($500 minimum). Early withdrawal penalty of 180 days' dividends applies.
4.10% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.10%APY$169 over 5 months on $10,000intro rate
Requirements
Product: Rate based on ZIP code 43215. Minimum opening deposit is $1,000. For accounts less than $100,000. Early withdrawal penalty applies. Not valid with other offers, no rate exceptions. Not available for brokers, agents, public entities, or financial institutions.
Offer: Promotional rate. Account balance less than $100,000. Early withdrawal penalty applies.
Promotional rate · 4.02% interest rate · Effective Oct 16, 2026
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More details - WesBancoCertificates of Deposit (CDs)CD · 14 months · $1,000 min · 3.35%–4.10% by balance
Bank · 1 branch
4.10%APY$480 over 14 months on $10,000with conditionsRequirements
Product: Available in term increments from 3-60 months, earning a fixed-rate of interest. A penalty will be imposed for early withdrawal. Automatically renews at the end of the term unless instructed otherwise. Fees can reduce earnings.
Offer: $1,000 min. balance requirement to open. Apply Online. Penalty for early withdrawal.
Qualified rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY Any balance 3.35% $1,000 – $9,999$1,000 – $9,999 in new money to WesBanco and have an active WesBanco checking account. Open in Branch. Funds deposited to a WesBanco deposit account within 30 days of opening the CD may qualify as new money. 3.85% $10,000 and upYour amountAbove $10,000 in new money to WesBanco and have an active WesBanco checking account. Open in Branch. The minimum to obtain the advertised APY is $10,000. Funds deposited to a WesBanco deposit account within 30 days of opening the CD may qualify as new money. 4.10% Rate checked
More details - 4.00%APY$165 over 5 months on $10,000intro rate
Requirements
Product: Minimum opening deposit $5,000, maximum $250,000. Must be funded via ACH transfer from an external bank account. Funds must be new money, not on deposit with First Citizens within the past 90 days. Must be opened by an individual residing in a state where a First Citizens branch exists. Not available as an IRA.
Offer: Earn up to 4.00% APY on a 5-month CD.
Promotional rate
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More details - 4.00%APY$231 over 7 months on $10,000
Requirements
Product: Terms between 1 month and 60 months. Minimum balance requirement is $500. Automatically renew at maturity of CD. No Maintenance Fees. Maximum deposit of $150,000 is only for online account opening. Interest penalty will apply for early withdrawal. Public Funds are not eligible. Can be used as collateral for a personal loan.
Offer: Maximum deposit of $150,000 is only for online account opening. Interest penalty will apply for early withdrawal. Public Funds are not eligible. CD terms of one (1) year or less credit interest at maturity.
Effective Oct 1, 2026
Rate checked
More details - Healthcare Services Credit UnionShare CertificatesCD · 6 months · $1,000 min
Credit union · 2 branches
3.96%APY$196 over 6 months on $10,000Requirements
Product: Fixed interest rate until maturity. Requires a $1,000 minimum deposit to open. No additional deposits can be made once opened. Early withdrawal penalties apply. Dividends are paid quarterly. Renews automatically at current market rate with notice sent at least 10 days before maturity.
3.90% interest rate · Effective Aug 1, 2026
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More details - 3.95%APY$196 over 6 months on $10,000
Requirements
Product: Must maintain a Primary Share account in addition to the certificate. Minimum balance of $1,500 must be on deposit at all times. Automatically renews for a like term at maturity with a 10-day grace period. Early withdrawal subject to a 90-day dividend penalty (for 3-month to 2-year certificates) or a 120-day dividend penalty (for 2 1/2-year or 3-year certificates). Rates reflect quarterly compounding; monthly withdrawal of interest results in a lower yield.
Offer: Rates reflect quarterly compounding. Early withdrawal subject to 90-day dividend penalty.
3.95% interest rate · Effective Dec 30, 2025
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More details - 3.90%APY$193 over 6 months on $10,000
Effective Oct 5, 2026
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More details - 3.82%APY$382 over 1 year on $10,000
3.75% interest rate · Effective Apr 1, 2022
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More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What CDs pay in Chattanooga, TN
196 CDs at 22 banks and credit unions · checked Oct 15–22
- Typical
- 2.01%
- Top 10% from
- 4.06%
- Banks, typical
- 0.10%
- Credit unions, typical
- 3.56%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Chattanooga, TN-GA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Peach State Federal Credit UnionCredit union · 1 branch
- Chattanooga Federal Employees Credit UnionCredit union · 1 branch
- First Jackson BankBank · 1 branch