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 106–120 results in Tennessee
- Southern Security Federal Credit UnionShare CertificatesCD · 6 months · $2,500 min · 3.65%–3.75% by balance
Credit union · 5 branches
3.70%APY$183 over 6 months on $10,000Requirements
Product: Terms from 91 days to 5 years. Minimum balance of $500. Certificates auto-renew unless otherwise directed.
3.62% interest rate
Rate by balance
Rate by balance for Share Certificates Balance APY $2,500 and up 3.65% $10,000 and upYour amount 3.70% $50,000 and up 3.75% Rate checked
More details - 3.70%APY$370 over 1 year on $10,000
Requirements
Product: Certificate rates are reviewed on a weekly basis and can change without notice.
3.65% interest rate · Effective Sep 28, 2026
Rate checked
More details - Fortera Credit UnionSmart Start Variable Rate CertificateCD · 24 months · $100 min
Credit union · 5 branches
3.70%APY$754 over 24 months on $10,000Requirements
Product: Must be 18 years of age or older, meet credit union field of membership eligibility, and have a Share Savings Account. Variable rate certificate.
Offer: Dividends compounded and credited quarterly. Additional deposits allowed during the term, $5 minimum. The dividend rate & APY are subject to change during the term.
3.65% interest rate · Effective Oct 5, 2026
Rate checked
More details - 3.65%APY$211 over 7 months on $10,000intro rate
Requirements
Product: Terms range from 1 month to 5 years. Early withdrawals are subject to penalty. No setup or maintenance fees.
Offer: 7-month certificate automatically renews into a 6-month term at prevailing rates unless redeemed within 10 days of maturity. Penalty for early withdrawal. Fees may reduce earnings. No institutional investors. Limited time offer.
Promotional rate · Effective Dec 22, 2025
Rate checked
More details - 3.65%APY$365 over 1 year on $10,000
Requirements
Product: Membership is limited. Rates subject to change. Early withdrawal penalty equal to 90 days of dividends for terms of 12 months or less; 180 days of dividends for terms longer than 12 months. Not available for business accounts.
Offer: Compounded semi-annually.
Effective Aug 20, 2026
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 - 3.65%APY$365 over 1 year on $10,000
Requirements
Product: Minimum deposit of $1,000.00. Dividends credited monthly. Automatically renewed unless specified otherwise. Early withdrawal penalty applies: 30 days dividends for 3 months, 90 days dividends for 6-24 months, 180 days dividends for 36-60 months.
3.59% interest rate
Rate checked
More details - Cleveland Bradley County Teachers Federal Credit UnionTerm Share CertificatesCD · 6 months · $500 min
Credit union · 2 branches
3.60%APY$178 over 6 months on $10,000Requirements
Product: Rates and yields are subject to change. Penalty for early withdrawal.
Offer: Compounded: N/A. Early withdrawal penalty = 90 days dividend, earned or not.
3.60% interest rate · Effective Oct 5, 2026
Rate checked
More details - 3.60%APY$360 over 1 year on $10,000intro rate
Requirements
Offer: One-Time Step-Up
Promotional rate · 3.60% interest rate · Effective Sep 24, 2026
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 - Northeast Community Credit Union18 Month Certificate AccountCD · 18 months · $500 min
Credit union · 4 branches
3.60%APY$545 over 18 months on $10,000 - 3.56%APY$725 over 24 months on $10,000
Requirements
Product: Penalty may be imposed for early withdrawal (2 Year CD: 120 days). Deposits of $100,000.00 or more add 0.25%. Personal CD Balances of $1,000,000.00 or more add 0.50%. Fees may reduce earnings.
Offer: Deposits of $100,000.00 or more add 0.25%. Personal CD Balances of $1,000,000.00 or more add 0.50%. Early withdrawal penalty: 120 days.
3.50% interest rate · Effective Aug 9, 2023
Rate checked
More details - 3.56%APY$1,106 over 36 months on $10,000
Requirements
Product: Penalty may be imposed for early withdrawal (3 Year CD: 182 days). Deposits of $100,000.00 or more add 0.25%. Personal CD Balances of $1,000,000.00 or more add 0.50%. Fees may reduce earnings.
Offer: Deposits of $100,000.00 or more add 0.25%. Personal CD Balances of $1,000,000.00 or more add 0.50%. Early withdrawal penalty: 182 days.
3.50% interest rate · Effective Aug 9, 2023
Rate checked
More details - 3.56%APY$176 over 6 months on $10,000
Requirements
Product: Membership eligibility applies (permanent employee of Olin Corporation, Solenis, or Hiwassee River Credit Union in Charleston/Cleveland TN, or eligible family members). Early withdrawal penalty applies to all CDs.
Offer: Dividend Paid Monthly. All CDs have an early withdrawal penalty.
3.50% interest rate · Effective Mar 25, 2025
Rate checked
More details - 3.56%APY$176 over 6 months on $10,000
Requirements
Product: Dividends and interest credited monthly. Once purchased, rate remains the same until maturity. Early withdrawal penalty applies.
Offer: Dividends credited monthly. Early withdrawal penalty applies.
3.50% interest rate · Effective Mar 19, 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
1,110 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