Compare Bank & Credit Union Rates
Best CD rates in Smyrna, TN
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Smyrna, TN
- 4.35%APY$398 over 11 months on $10,000
Requirements
Product: Minimum amount of $500.00 to open the account and earn dividends quarterly. Early withdrawals are subject to penalty.
Offer: Certificate Special. Quarterly dividends. Early withdrawals are subject to penalty.
Effective Oct 1, 2026
Rate checked
More details - 4.22%APY$6,422 over 144 months on $10,000
Requirements
Product: Membership required for RFCU products. Compounding and non-compounding dividend options available. Substantial penalty for early withdrawal of certificate principal prior to maturity. Minimum balance must be maintained at all times to earn disclosed APY. Also referenced as Traditional Standard. Note: Opening minimum is listed as $1,000 in rate schedule disclosures and $2,000 in features table.
Offer: Compounding option. Dividend rate is 4.15%. Opening minimum stated as $1,000 on rate disclosure and $2,000 on feature table.
4.15% interest rate · Balance cap $999,999 · Effective Sep 16, 2026
Rate checked
More details - Ascend Federal Credit UnionRegular Share CertificateCD · 12 months · $500 min · 4.20%–4.25% by balance
Credit union · 1 branch
4.20%APY$420 over 1 year on $10,000Requirements
Product: Certificate accounts have no fees; penalty for early withdrawal applies. Dividends compounded and credited monthly based on daily balance. Automatically renewable with a 7-day grace period.
Offer: Fixed rate. Additional deposits not allowed. Penalty of 180 days' dividends for early withdrawal.
4.12% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Regular Share Certificate Balance APY Any balanceYour amount 4.20% $100,000 and upJumbo certificate. A negotiated rate may be obtained for $100,000.00 or greater. 4.25% Rate checked
More details - Redstone Federal Credit UnionMember's Choice Share CertificateCD · 144 months · $1,000 min
Credit union · 1 branch
4.11%APY$6,215 over 144 months on $10,000Requirements
Product: Membership required for RFCU products. Compounding and non-compounding dividend options available. After 90 days from opening, members may request to change the dividend rate to the current rate applicable to the term, and every 365 days thereafter. Not available as Jumbo Certificates. Substantial penalty for early withdrawal of certificate principal prior to maturity. Minimum balance must be maintained at all times to earn disclosed APY.
Offer: Compounding option. Dividend rate is 4.05%. Rate change option available after 90 days and every 365 days thereafter.
4.05% interest rate · Balance cap $999,999 · Effective Sep 16, 2026
Rate checked
More details - Ascend Federal Credit UnionMember's Advantage Share CertificateCD · 54 months · $1,000 min
Credit union · 1 branch
4.02%APY$1,941 over 54 months on $10,000Requirements
Product: Available for 15-month and 54-month terms. Allows one additional deposit of at least $1,000 during the term and one-time rate increase to the current issue rate if greater. Early withdrawal penalty of 210 days' dividends applies.
Offer: Fixed rate. Allows 1 additional deposit of $1,000 minimum and 1 rate increase to the current issue rate if greater.
3.95% interest rate · Effective Oct 1, 2026
Rate checked
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 - 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 - 3.65%APY$365 over 1 year on $10,000
Requirements
Product: Dividends are compounded quarterly, except certificates with terms under one year which are paid at maturity. Substantial penalty for early withdrawal. Automatically renewed at maturity.
3.60% interest rate · Compounded quarterly
Rate checked
More details - Ascend Federal Credit UnionHome Purchase Share CertificateCD · 36 months · $1,000 min
Credit union · 1 branch
3.40%APY$1,055 over 36 months on $10,000Requirements
Product: Variable-rate certificate. Additional deposits allowed at any time in any increment. Withdrawals made in conjunction with the purchase of a home are penalty-free upon receiving appropriate documentation. When financing is secured through Ascend, mortgage loan processing fee is waived during the loan process.
Offer: Variable rate. Additional deposits accepted at any time. Penalty-free early withdrawal for home purchase.
3.35% interest rate · Effective Oct 1, 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$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 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 - Redstone Federal Credit UnionNo-Penalty CertificateCD · 12 months · $100 min · up to $10,000
Credit union · 1 branch
2.78%APY$278 over 1 year on $10,000intro rateRequirements
Product: Special offer. Only one 12 month no penalty early withdraw certificate allowed per member during a 12-month period from date of closure. All funds must be deposited at account opening; no additional deposits allowed during term. At maturity, funds automatically transfer to primary share account. Listed under Special Offers in rate table.
Offer: Compounding option. Dividend rate is 2.75%. Ability to withdraw funds without penalty. Dividends paid quarterly. All funds deposited at opening. Automatic transfer to primary share account at maturity.
Promotional rate · 2.75% interest rate · Effective Sep 16, 2026
Rate checked
More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 2026
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More details - 0.35%APY$82 over 28 months on $10,000blended over a stepped scheduleintro rate
Requirements
Offer: Step period 1 (months 1-7)
Promotional rate · 0.05% interest rate · Effective Oct 6, 2026
Rate schedule
Rate schedule for Step Up CD Period APY Step period 1 (months 1-7) 0.05% Step period 2 (months 8-14) 0.25% Step period 3 (months 15-21) 0.45% Step period 4 (months 22-28) 0.65% 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 Smyrna, TN
176 CDs at 9 banks and credit unions · checked Oct 6–22
- Typical
- 2.00%
- Top 10% from
- 4.00%
- Banks, typical
- 0.05%
- Credit unions, typical
- 3.78%
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Nashville, TN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Ascend Federal Credit UnionCredit union · 20 branches
- American Airlines Federal Credit UnionCredit union · 1 branch
- St. Thomas Credit UnionCredit union · 1 branch