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 166–180 results in Tennessee
- 2.75%APY$275 over 1 year on $10,000
Requirements
Product: Funds can be contributed to this Certificate throughout the initial term of the Certificate. Automatic fund transfer supported. Early withdrawal penalty applies. Certificate Rate cannot be bumped in conjunction with any other offers. Not available on Certificate IRAs or Business Certificates.
Offer: Rate as high as 2.75% APY; funds can be contributed throughout initial term; allows automatic transfer.
Effective Oct 15, 2026
Rate checked
More details - Copper Basin Federal Credit UnionCertificate of DepositCD · 12 months · $1,000 min
Credit union · 1 branch
2.52%APY$252 over 1 year on $10,000Requirements
Product: A penalty will or may be imposed for early withdrawal. Rates and APY may change after the account is opened.
2.50% interest rate · Effective Nov 25, 2025
Rate checked
More details - 2.50%APYintro rate
Requirements
Product: Minimum opening deposit $500. Available at branch locations.
Offer: Term: 3 to 5 months.
Promotional rate
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More details - 2.50%APY$124 over 6 months on $10,000
Requirements
Product: Federally insured up to $250,000. Early withdrawal penalties apply if closed before maturity. May be used as collateral for low-interest loans. At renewal, renews for the same term at the prevailing rate with a 5 business day grace period. Fixed and tiered rate accounts paying dividend rates based on Method A.
Offer: Dividends earned at maturity / compounded and credited quarterly.
2.48% interest rate · Effective Jul 1, 2026
Rate checked
More details - Knoxville Firefighters FCUShare CertificateCD · 24 months · $1,000 min · 2.50%–3.50% by balance
Credit union · 1 branch
2.50%APY$506 over 24 months on $10,000Requirements
Product: Any term over 84 months (7 years) requires a minimum of $50,000.
Offer: 24 mo. term. Balance $1,000-$49,999.
2.50% interest rate
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 – $49,999Your amount 2.50% $100,000 and up 3.50% Rate checked
More details - 2.50%APY$506 over 24 months on $10,000
Requirements
Product: Dividend Rates are reviewed monthly. Rates are subject to change. More types offered - call for information.
Offer: Interest Pays Quarterly
2.50% interest rate · Effective Aug 1, 2023
Rate checked
More details - 2.50%APY$1,314 over 60 months on $10,000
Requirements
Product: Minimum amount $500 for a stated period of time (30 days to 5 years). Automatically renewable fixed rate; 10-day grace period after maturity to withdraw funds without penalty. Simple interest early withdrawal penalty: 91 days of interest for terms of 12 months or less, 182 days of interest for terms longer than 12 months (waived in the event of death or incompetency). No funds may be added during the term.
Offer: 60 Months term. APY assumes interest paid will not be withdrawn.
2.50% interest rate
Rate checked
More details - Wayne County BankInterest Monthly Certificate of Deposit (CD)CD · 12 months · $1,000 min
Bank · 8 branches
2.48%APY$248 over 1 year on $10,000Requirements
Product: Interest will be compounded monthly and credited to account monthly. Early withdrawal penalties apply.
Offer: Interest compounded monthly and credited monthly.
2.45% interest rate · Compounded monthly · Effective Sep 18, 2026
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More details - 2.45%APY$245 over 1 year on $10,000
Requirements
Product: Interest will not be compounded and will be credited at maturity. Early withdrawal penalties apply.
Offer: Interest credited at maturity; not compounded.
2.45% interest rate · Effective Sep 18, 2026
Rate checked
More details - Appliance Credit UnionShare CertificateCD · 6 months · 2.27%–3.29% by balance
Credit union · 1 branch
2.27%APY$113 over 6 months on $10,000Requirements
Product: Automatic renewal with a seven-day grace period.
2.25% interest rate · Effective Dec 2, 2025
Rate by balance
Rate by balance for Share Certificate Balance APY Up to $10,000Your amount 2.27% $10,001 – $20,000 2.55% $20,001 – $50,000 2.78% $50,001 – $75,000 3.03% $75,000 and up 3.29% Rate checked
More details - SecurCommunity Federal Credit UnionShare Certificate AccountCD · 12 months · $1,000 min
Credit union · 3 branches
2.25%APY$225 over 1 year on $10,0002.25% interest rate
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More details - FAA Federal Credit UnionShare CertificatesCD · 60 months · $500 min · 2.20%–2.30% by balance
Credit union · 3 branches
2.20%APY$1,149 over 60 months on $10,000Requirements
Product: Fixed rates; higher rates by selecting longer term or higher balance tier. Early withdrawal penalty applies: 90 days dividends for terms of 1 year or less, 180 days dividends for terms greater than 1 year. NCUA insured up to $250,000. No setup or maintenance fees.
Offer: Term is 60 Month (1825 days). Penalty for early withdrawal.
2.18% interest rate · Effective Jan 2, 2026
Rate by balance
Rate by balance for Share Certificates Balance APY $500 and upYour amount 2.20% $50,000 and up 2.30% Rate checked
More details - Nashville Post Office Credit UnionCertificate of DepositCD · 30 months · $2,000 min
Credit union · 1 branch
2.15%APY$546 over 30 months on $10,000intro rateRequirements
Product: Penalty for early withdrawal may apply. No additional deposits allowed until end of term. Dividends are earned from the day of deposit to day of withdrawal and compounded monthly. 18, 24, and 30-month CDs include a one-time rate bump.
Offer: Includes a one-time rate bump.
Promotional rate · Compounded monthly · Effective Jan 1, 2026
Rate checked
More details - 2.03%APY
Requirements
Product: Penalty may be imposed for early withdrawal (7 Day CD - 18 Month CD: 31 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: 31 days.
2.00% interest rate · Effective Aug 9, 2023
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More details - 2.02%APY$17 over 1 months on $10,000
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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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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