Compare Bank & Credit Union Rates
Best CD rates in Tennessee
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 181–195 results in Tennessee
- 2.02%APY$202 over 1 year on $10,000
Rate checked
More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 23 branches
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% Rate checked
More details - Tennessee Military Federal Credit Union3 YR EDUCATION CDCD · 36 months · $25 min
Credit union · 1 branch
1.50%APY$457 over 36 months on $10,000Effective Oct 5, 2026
Rate checked
More details - 1.26%APY$383 over 36 months on $10,000
Requirements
Product: Early Withdrawal Penalty: 3 Months Dividends. Fees could reduce earnings on the account. Federally insured to $250,000 by NCUA.
1.25% interest rate · Effective Sep 30, 2026
Rate checked
More details - 1.25%APY$62 over 6 months on $10,000
Requirements
Product: Money Market Certificate has a 6-month term with penalty-free withdrawal flexibility (one withdrawal per calendar month in lieu of early withdrawal penalty; excessive withdrawal service charge applies to subsequent withdrawals). Requires $3,000 minimum opening deposit ($1,000 minimum to earn dividends). Subsequent deposits are permitted. Auto-renews if balance is at least the required minimum opening balance.
Offer: Dividends compounded and credited quarterly. Term of 6 months. One withdrawal allowed per calendar month without early withdrawal penalty.
1.24% interest rate · Effective Jul 1, 2026
Rate checked
More details - 1.00%APY$100 over 1 year on $10,000
Requirements
Product: Early withdrawal penalty of 90 days' dividends applies. Partial withdrawals not allowed. Dividends paid quarterly. Account automatically renews at maturity with a 10-day grace period.
Offer: Early withdrawal penalty applies. Dividends paid quarterly.
1.00% interest rate · Effective Jul 1, 2021
Rate checked
More details - FedTrust Federal Credit UnionConvenient Money CDCD · 12–24 months · $1,000 min · 0.75%–1.00% by balance
Credit union · 4 branches
1.00%APYRequirements
Product: Quarterly paid dividends.
Offer: Quarterly paid dividends.
0.75% interest rate
Rate by balance
Rate by balance for Convenient Money CD Balance APY $1,000 and up 0.75% $10,000 and upYour amount 1.00% Rate checked
More details - 1.00%APY$510 over 60 months on $10,000
Requirements
Product: Early withdrawal penalties may reduce earnings. Terms range from 6 months to 60 months. Rates are subject to change at any time.
Offer: Compounded quarterly. Early withdrawal penalties may reduce earnings.
1.00% interest rate · Compounded quarterly
Rate checked
More details - Foothills Federal Credit UnionSmart Multi Certificate of DepositCD · 12 months · $1,000 min
Credit union · 3 branches
0.75%APY$75 over 1 year on $10,000Requirements
Product: Early Withdrawal Penalty: 3 Months Dividends. Fees could reduce earnings on the account. Federally insured to $250,000 by NCUA.
0.75% interest rate · Effective Sep 30, 2026
Rate checked
More details - The CU for Robertson CountyTerm Share CertificatesCD · 12 months · $500 min
Credit union · 5 branches
0.75%APY$75 over 1 year on $10,000Requirements
Offer: 12-month term; $500.00 minimum deposit
0.75% interest rate
Rate checked
More details - Tennessee Military Federal Credit Union12 MONTH CDCD · 12 months · $10,000 min
Credit union · 1 branch
0.65%APY$65 over 1 year on $10,000 - 0.60%APY$151 over 30 months on $10,000
0.60% interest rate · Effective Jan 1, 2023
Rate checked
More details - Family Advantage FCUShare CertificateCD · 24 months · $500 min · 0.55%–0.60% by balance
Credit union · 4 branches
0.55%APY$111 over 24 months on $10,000Requirements
Product: All share certificate dividends are compounded monthly. Subject to a penalty for early withdrawal. Rates and terms are subject to change without notice.
Offer: Dividends compounded monthly. Penalty for early withdrawal.
0.55% interest rate · Compounded monthly · Effective Nov 1, 2017
Rate by balance
Rate by balance for Share Certificate Balance APY $500 – $25,000Your amount 0.55% $25,000 – $100,000 0.58% $100,000 and up 0.60% Rate checked
More details - 0.55%APY$27 over 6 months on $10,000
- Southeast Financial Credit UnionDreamBuilder CertificateCD · 6 months · $100 min
Credit union · 10 branches
0.50%APY$25 over 6 months on $10,000Requirements
Product: Early withdrawal penalty applies (all dividends posted for terms < 6 months, 6 months dividends for terms >= 6 months). 7-calendar-day grace period after maturity.
Effective Oct 1, 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 Tennessee
1,113 CDs at 139 banks and credit unions · checked Oct 16–23
- Typical
- 3.03%
- Top 10% from
- 4.06%
- Banks, typical
- 2.01%
- Credit unions, typical
- 3.29%
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Tennessee
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Knoxville TVA Employees Credit UnionCredit union · 24 branches
- LGWFCUCredit union · 1 branch
- Bowater Credit UnionCredit union · 5 branches