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 31–45 results in Tennessee
- Leaders Credit Union24-Month Certificate SpecialCD · 24 months · $1,000 min
Credit union · 10 branches
4.25%APY$868 over 24 months on $10,000intro rateRequirements
Product: Limited time only. Applies to new money only (funds not on deposit within the last 30 days). Existing members without a checking account become eligible by opening a new checking account. Automatically renews as a 24 Month Certificate at prevailing rate. Early withdrawal penalties apply.
Offer: Dividends earned and compounded monthly. Limited time offer for new money only.
Promotional rate · 4.17% interest rate · Compounded monthly · Effective Jul 1, 2026
Rate checked
More details - Leaders Credit Union36-Month Certificate SpecialCD · 36 months · $1,000 min
Credit union · 10 branches
4.25%APY$1,330 over 36 months on $10,000intro rateRequirements
Product: Limited time only. Applies to new money only (funds not on deposit within the last 30 days). Existing members without a checking account become eligible by opening a new checking account. Automatically renews as a 36 Month Certificate at prevailing rate.
Offer: Dividends earned and compounded monthly.
Promotional rate · 4.17% interest rate · Compounded monthly · Effective Jul 1, 2026
Rate checked
More details - 4.25%APY$1,330 over 36 months on $10,000
Requirements
Product: $2,000 minimum to open for standard terms ranging from 30 days to 5 years. Not available to financial institutions or public funds. Early withdrawal penalties may apply.
Offer: You may exercise a one-time rate bump during the CD term; the new rate will be determined by the book rate for a 36 month CD and effective for the remaining CD term.
Effective Aug 18, 2026
Rate checked
More details - 4.25%APY$2,313 over 60 months on $10,000
Requirements
Product: Minimum deposit of at least $1,000. $2,000,000 maximum deposit per CD product ($100,000 maximum when opening online). A penalty will be imposed for early withdrawal. Partial withdrawals allowed for 6, 11, 15, 18, 24, 36, 48 and 60 Month CD ($1,000 minimum withdrawal with minimum remaining balance greater than $1,000). Partial withdrawals are not allowed for 12 Month CD. Automatically renewable certificates allow 10 days after maturity to redeem.
4.16% interest rate · Balance cap $2,000,000 · Effective Oct 15, 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 - Eastman Credit UnionInvestment CertificatesCD · 6–11 months · $2,500 min · 4.20%–4.25% by balance
Credit union · 22 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 - Ascend Federal Credit UnionRegular Share CertificateCD · 12 months · $500 min · 4.20%–4.25% by balance
Credit union · 27 branches
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 - 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
Rate checked
More details - 4.20%APY$456 over 13 months on $10,000intro rate
Requirements
Product: Early withdrawal penalties apply. Fixed interest rate varies by term. Multiple interest payment options available (at maturity, annually, semi-annually, quarterly, or monthly). Automatically renewable with a 10-day grace period.
Offer: Special promotional rate. Minimum balance of $1,000 required for 4.20% APY. Early withdrawal penalties may apply.
Promotional rate · Effective Oct 5, 2026
Rate checked
More details - US Community Credit UnionCertificateCD · 60 months · $500 min · 4.18%–4.23% by balance
Credit union · 4 branches
4.18%APY$2,272 over 60 months on $10,000Requirements
Product: Membership required with $5 par value share deposit. Penalty for early withdrawal. Rates prospective/current as of 9-11-2026.
Effective Sep 11, 2026
Rate by balance
Rate by balance for Certificate Balance APY $500 – $100,000Your amount 4.18% $100,000 and up 4.23% 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 - Appalachian Community Federal Credit UnionCertificatesCD · 24 months · $1,000 min
Credit union · 4 branches
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 - 4.13%APY$1,065 over 30 months on $10,000
Requirements
Product: $0 monthly fee. Terms typically range from 182 days to 60 months. Interest payout options include check, direct deposit, or reinvestment. Laddering available.
Offer: $2,500 minimum balance (and all interest paid and compounded) must remain in the CD to earn the advertised APY. Available to consumer and business customers; public funds are not eligible. Total balance and earned interest may be withdrawn without penalty 7 days after funding date; no withdrawals permitted during first 6 days following funding; partial withdrawals not permitted. Subject to a 24-month interest penalty for early withdrawal after original maturity date.
Effective Aug 17, 2026
Rate checked
More details - US Community Credit Union12 Month (Quarterly) Certificate SpecialCD · 12 months · $2,500 min · 4.11%–4.17% by balance
Credit union · 4 branches
4.11%APY$411 over 1 year on $10,000intro rateRequirements
Product: Must be opened with New Money only (money not on deposit at US Community Credit Union within prior 6 months). Non-members must join and open share account with $5 minimum deposit. Rate available until first maturity. Early withdrawal penalty. Limited time only.
Offer: Regular 12 Month (Quarterly) Certificate Special. New money required. Special rate only available until first maturity.
Promotional rate · Effective Sep 11, 2026
Rate by balance
Rate by balance for 12 Month (Quarterly) Certificate Special Balance APY $2,500 – $250,000Your amount 4.11% $250,000 – $500,000Jumbo 12 Month (Quarterly) Certificate Special. 4.17% Rate checked
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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
1,110 CDs at 140 banks and credit unions · checked Oct 15–22
- 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