Compare Bank & Credit Union Rates
Best CD rates in Johnson City, TN
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Johnson City, TN
- Knoxville TVA Employees Credit UnionCertificate AccountsCD · 12 months · $2,500 min
Credit union · 1 branch
5.00%APY$500 over 1 year on $10,000Requirements
Product: Paper statement fee $2.00/month unless enrolled in eStatements. Early withdrawal penalty: 90 days dividends for terms 17 months or less; 180 days for 18 months or more. Add 0.25% APY to dividend rate for $10,000+ new money OR direct deposit. Not applicable to 12-month term.
4.89% interest rate · $2 monthly fee · Effective Oct 15, 2026
Rate checked
More details - 4.50%APY$260 over 7 months on $10,000
Requirements
Product: Membership with Ten Credit Union required. Funds federally insured by NCUA up to $250,000. Early withdrawal penalties may apply. Automatically renews at maturity at current rate unless indicated otherwise. Withdrawal of dividends before maturity will reduce earnings.
Offer: Dividends credited/paid monthly.
Effective Jan 1, 2026
Rate checked
More details - 4.50%APY$761 over 20 months on $10,000
Requirements
Product: Terms less than 24 months have an early withdrawal penalty of 91 days. Terms 24 months and above have an early withdrawal penalty of 180 days.
Offer: Special certificate account; transferred to regular share account upon maturity.
Effective Sep 23, 2026
Rate checked
More details - 4.40%APY$1,502 over 39 months on $10,000
- Knoxville TVA Employees Credit UnionEducational Savings PlanCD · 121–Unknown months · $0 min
Credit union · 1 branch
4.28%APYRequirements
Product: No minimum opening deposit. Must be open for minimum 3 years. Pays out on child's college entrance date or 18th birthday. Paper statement fee $2.00/month unless enrolled in eStatements. Cannot be designated as an IRA.
4.20% interest rate · $2 monthly fee · Effective Oct 15, 2026
Rate checked
More details - Eastman Credit UnionInvestment CertificatesCD · 6–11 months · $2,500 min · 4.20%–4.25% by balance
Credit union · 5 branches
4.20%APYRequirements
Product: Investment Certificates offer competitive rates on all terms and give you the option of selecting the date of maturity. You can lock in a rate on a deposit for a term ranging from 30 days up to 6 years. Your funds are federally insured up to $250,000 by NCUA. Paid dividends can be withdrawn automatically or at your discretion at anytime with no penalty. APY assumes dividends will remain on deposit until maturity.
Offer: Term: 180 to 364 days. Early withdrawal penalty: 90 Days' Dividends.
4.12% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Investment Certificates Balance APY $2,500 and upYour amount 4.20% $100,000 and upJumbo tier ($100k Minimum). 4.25% Rate checked
More details - 4.20%APY$420 over 1 year on $10,000
Requirements
Product: Quarterly compounded interest. No maintenance or setup fees. Early withdrawals subject to penalty. $1,000 minimum deposit to open.
Offer: New money only.
4.14% interest rate · Effective Oct 4, 2026
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More details - Appalachian Community Federal Credit UnionCertificatesCD · 24 months · $1,000 min
Credit union · 1 branch
4.15%APY$847 over 24 months on $10,000Requirements
Product: Minimum Deposit $1,000. Paid monthly. Future rates subject to change daily.
Offer: Paid monthly.
4.07% interest rate · Effective Oct 5, 2026
Rate checked
More details - 4.10%APY$445 over 13 months on $10,000
Requirements
Product: Rates based on monthly compounding. Early withdrawal penalty applies. Automatically renews at maturity with 10 calendar days grace period.
Offer: $500 minimum daily balance required to earn APY. Monthly compounding.
Effective Aug 14, 2026
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More details - 4.05%APY$2,196 over 60 months on $10,000
Effective Oct 5, 2026
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More details - 4.01%APY$401 over 1 year on $10,000
Requirements
Product: Account terms available from 91 days to 5 years. Automatic term renewal at maturity.
Offer: APY compounds daily on 1 year and longer term CD(s).
3.93% interest rate
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
Rate checked
More details - 4.00%APY$434 over 13 months on $10,000intro rate
Requirements
Product: Promotional CDs can be opened and funded entirely online (or at a branch for select terms). Automatically renews at maturity. Can be used as collateral for a personal loan. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: Will automatically renew at maturity of CD. Can be used as collateral for a personal loan. A penalty may be imposed for withdrawal before maturity. Visit a Branch to Open Today.
Promotional rate · Effective Oct 13, 2026
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More details - 3.95%APY$1,676 over 48 months on $10,000
Effective Oct 5, 2026
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More details - 3.85%APY$1,200 over 36 months on $10,000
Effective Oct 5, 2026
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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
What CDs pay in Johnson City, TN
164 CDs at 19 banks and credit unions · checked Oct 15–22
- Typical
- 3.28%
- Top 10% from
- 4.10%
- Banks, typical
- 2.25%
- Credit unions, typical
- 3.50%
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Find your bank or credit union to see all its rates and how they compare near you.
Johnson City, TN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Knoxville TVA Employees Credit UnionCredit union · 1 branch
- United Southeast Federal Credit UnionCredit union · 1 branch
- Appalachian Community Federal Credit UnionCredit union · 1 branch