Compare Bank & Credit Union Rates
Best CD rates in Oak Ridge, TN
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–10 results in Oak Ridge, TN
- 4.25%APY$246 over 7 months on $10,000
Requirements
Offer: *Minimum opening balance of $5,000 for 17 Month Certificate Special.
4.17% interest rate · Effective Oct 15, 2026
Rate checked
More details - Y-12 Federal Credit UnionChoose Your Term Special Offer Share CertificateCD · 12 months · $500 min
Credit union · 1 branch
4.25%APY$425 over 1 year on $10,000intro rateRequirements
Product: Limited time offer. Minimum balance to receive advertised rate is $500. Automatically renews at maturity unless changes are made during 7-day grace period. Penalty for early withdrawal.
Offer: 12 Months term.
Promotional rate · 4.17% interest rate · Effective Oct 15, 2026
Rate checked
More details - 4.25%APY$425 over 1 year on $10,000
Requirements
Product: Early withdrawal penalty applies: 30 days dividends for terms less than 1 year, 90 days dividends for terms 1 to 5 years. Average daily balance calculation method. Dividends compound based on rate schedule. 7-day grace period at maturity. Must maintain minimum share ($5.00) in Regular Savings.
4.17% interest rate · Effective Oct 1, 2026
Rate checked
More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - 3.60%APY$360 over 1 year on $10,000
Requirements
Product: A minimum balance of $500.00 is required to open the account and to obtain the APY. CD rates are fixed for term of account. Automatic renewal. Interest is compounded monthly and paid monthly.
Offer: Interest Credited Monthly. Early withdrawal penalty: 6 months loss of interest on the amount withdrawn.
3.54% interest rate · Compounded monthly · Effective Sep 22, 2026
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - 3.25%APY$491 over 18 months on $10,000
Requirements
Product: Dividends calculated daily, compounded/posted monthly. Penalty for early withdrawal. Balance tiers range from $500 to $100,000+.
3.20% interest rate · Effective Oct 15, 2026
Rate checked
More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% Rate checked
More details - 0.03%APY
Requirements
Product: Fixed rate account. Applicable rate paid until CD matures. Online opening limit is $250,000. Early withdrawal penalty applies.
Offer: Term: 6-11 Months. Balance tier: Less than $10,000.
0.03% interest rate · Effective Oct 5, 2026
Rate checked
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 Oak Ridge, TN
111 CDs at 6 banks and credit unions · checked Oct 4–16
- Typical
- 0.50%
- Top 10% from
- 3.25%
- Banks, typical
- 0.03%
- Credit unions, typical
- 2.75%
Is your bank paying you enough?
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Knoxville, TN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Knoxville TVA Employees Credit UnionCredit union · 15 branches
- Enrichment Federal Credit UnionCredit union · 8 branches
- Knoxville Law Enforcement Federal Credit UnionCredit union · 1 branch