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 76–90 results in Tennessee
- Knoxville Law Enforcement Federal Credit UnionCertificate SpecialsCD · 12 months · $500 min
Credit union · 1 branch
4.00%APY$400 over 1 year on $10,000intro rateRequirements
Product: Limited time offer. 50% of deposit must be money not currently on deposit at the credit union. Membership eligibility required. Dividends calculated daily, compounded/posted monthly. Penalties for early withdrawal apply.
Offer: 50% of deposit must be money not currently on deposit at the credit union.
Promotional rate · 3.93% interest 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 - Alcoa Tenn Federal Credit UnionShare Certificates (CDs)CD · 15 months · $1,000 min
Credit union · 5 branches
4.00%APY$502 over 15 months on $10,000intro rateRequirements
Product: Dividends compounded monthly. Penalty may apply for early withdrawal (penalty equal to 180 days' dividends will be applied for early withdrawal). Rates subject to change without notice. No monthly fees.
Offer: 15 Month Special. Automatically renews at maturity for a 12-month term at the then current 12 month share certificate dividend rate. Dividends calculated daily, compounded monthly. Penalty equal to 180 days' dividends will be applied for early withdrawal.
Promotional rate · 3.92% interest rate · Compounded monthly · Effective Oct 5, 2026
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More details - 4.00%APY$502 over 15 months on $10,000intro rate
Requirements
Product: Interest is computed using the Daily Balance Method. Early withdrawal penalties may apply.
Offer: 15 Month Fixed. Rolls into the 15-month plan at maturity.
Promotional rate · Effective Sep 18, 2026
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More details - 4.00%APY$2,167 over 60 months on $10,000
Requirements
Product: Must be 18 years of age or older, meet credit union field of membership eligibility, and maintain a Share Savings Account. Additional deposits are not allowed. Fixed rate for term. Balance minimum to earn stated APY is $1,000.
Offer: Dividends compounded quarterly. Additional deposits not allowed.
3.92% interest rate · Compounded quarterly · Effective Oct 5, 2026
Rate checked
More details - Healthcare Services Credit UnionShare CertificatesCD · 6 months · $1,000 min
Credit union · 2 branches
3.96%APY$196 over 6 months on $10,000Requirements
Product: Fixed interest rate until maturity. Requires a $1,000 minimum deposit to open. No additional deposits can be made once opened. Early withdrawal penalties apply. Dividends are paid quarterly. Renews automatically at current market rate with notice sent at least 10 days before maturity.
3.90% interest rate · Effective Aug 1, 2026
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More details - 3.95%APY$196 over 6 months on $10,000
Requirements
Product: Must maintain a Primary Share account in addition to the certificate. Minimum balance of $1,500 must be on deposit at all times. Automatically renews for a like term at maturity with a 10-day grace period. Early withdrawal subject to a 90-day dividend penalty (for 3-month to 2-year certificates) or a 120-day dividend penalty (for 2 1/2-year or 3-year certificates). Rates reflect quarterly compounding; monthly withdrawal of interest results in a lower yield.
Offer: Rates reflect quarterly compounding. Early withdrawal subject to 90-day dividend penalty.
3.95% interest rate · Effective Dec 30, 2025
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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 - 3.90%APY$193 over 6 months on $10,000
Effective Oct 5, 2026
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More details - Firefighters First Credit UnionRegular Share Certificate AccountsCD · 24 months · $1,000 min · 3.90%–4.00% by balance
Credit union · 2 branches
3.90%APY$795 over 24 months on $10,000Requirements
Product: Standard share certificate with fixed rates tiered by balance. Minimum opening deposit is $1,000. Compounded and credited monthly. Penalty for early withdrawal.
3.83% interest rate
Rate by balance
Rate by balance for Regular Share Certificate Accounts Balance APY $1,000 – $50,000Your amount 3.90% $50,000 – $100,000 3.95% $100,000 and up 4.00% Rate checked
More details - 3.85%APY$1,200 over 36 months on $10,000
Effective Oct 5, 2026
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More details - 3.82%APY
Requirements
Product: Minimum deposit of $1,000. Early withdrawal penalty may apply. Dividends/interest compounded and credited quarterly.
3.75% interest rate
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More details - 3.82%APY
Requirements
Product: Minimum deposit of $1,000. Early withdrawal penalty may apply. Dividends/interest compounded and credited quarterly.
3.75% interest rate
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More details - 3.82%APY$382 over 1 year on $10,000
3.75% interest rate · Effective Apr 1, 2022
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More details - 3.82%APY$382 over 1 year on $10,000
Requirements
Product: Early withdrawal penalties may apply. Member Rewards: rate increases by 0.10% if you have CECU checking, direct deposit, and over $25,000 on deposit; rate increases by 0.20% if you have over $50,000 on deposit. Interest paid monthly.
3.75% interest rate
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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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
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