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 61–75 results in Tennessee
- American Airlines Federal Credit UnionShort-Term Share CertificateCD · 6 months · $1,000 min
Credit union · 1 branch
4.05%APY$200 over 6 months on $10,0003.98% interest rate · Effective Jan 1, 2026
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More details - 4.05%APY$2,196 over 60 months on $10,000
Effective Oct 5, 2026
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More details - 4.04%APY$234 over 7 months on $10,000intro rate
Requirements
Product: Available online and at branch offices in Kentucky, as well as market areas in Tennessee, West Virginia, and Ohio. APY is accurate as of 05/01/2026 and applies to the initial term. Assumes interest is credited quarterly and remains on deposit until maturity. Automatically renews at maturity for the same term at the interest rate and APY in effect at that time. Substantial penalty for early withdrawal.
Offer: Minimum balance to open and obtain APY is $1,000. Interest is credited quarterly and remains on deposit until maturity. Automatically renews for the same term at maturity. Substantial penalty for early withdrawal.
Promotional rate · Effective May 1, 2026
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More details - Jack Daniel Employees' Credit UnionShare Certificate AccountCD · 12 months · $1,000 min
Credit union · 1 branch
4.02%APY$402 over 1 year on $10,000Requirements
Product: Dividends paid monthly, transferred to designated account, or added to certificate.
3.95% interest rate · Effective Jan 27, 2026
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More details - 4.02%APY$402 over 1 year on $10,000
Requirements
Product: Rates stated as APY. Certificate rates are set for the term of the account. $1,000 minimum balance required. Early withdrawal penalty applies.
Effective Oct 1, 2026
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More details - Ascend Federal Credit UnionMember's Advantage Share CertificateCD · 54 months · $1,000 min
Credit union · 27 branches
4.02%APY$1,941 over 54 months on $10,000Requirements
Product: Available for 15-month and 54-month terms. Allows one additional deposit of at least $1,000 during the term and one-time rate increase to the current issue rate if greater. Early withdrawal penalty of 210 days' dividends applies.
Offer: Fixed rate. Allows 1 additional deposit of $1,000 minimum and 1 rate increase to the current issue rate if greater.
3.95% interest rate · Effective Oct 1, 2026
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More details - 4.01%APY$401 over 1 year on $10,000
Requirements
Product: Account terms available from 91 days to 5 years. Automatic term renewal at maturity.
Offer: APY compounds daily on 1 year and longer term CD(s).
3.93% interest rate
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More details - US Community Credit Union13 Month New Member SpecialCD · 13 months · $500 min
Credit union · 4 branches
4.01%APY$435 over 13 months on $10,000intro rateRequirements
Product: Must be opened within 30 days of new membership being established at US Community Credit Union. One-time opportunity for new members. New money only (money not on deposit at credit union within prior 6 months). Non-members must join and open share account with $5 deposit. Rate available until first maturity. Early withdrawal penalty. Limited time only.
Offer: Must be opened within 30 days of opening membership. New money required. Special rate only available until first maturity.
Promotional rate · Balance cap $250,000 · Effective Sep 11, 2026
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More details - 4.00%APY$165 over 5 months on $10,000intro rate
Requirements
Product: Minimum opening deposit $5,000, maximum $250,000. Must be funded via ACH transfer from an external bank account. Funds must be new money, not on deposit with First Citizens within the past 90 days. Must be opened by an individual residing in a state where a First Citizens branch exists. Not available as an IRA.
Offer: Earn up to 4.00% APY on a 5-month CD.
Promotional rate
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More details - 4.00%APY$198 over 6 months on $10,000
Requirements
Offer: Under $50,000 (Dividends Paid at Maturity)
Effective Oct 13, 2024
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More details - 4.00%APY$231 over 7 months on $10,000
Requirements
Product: Terms between 1 month and 60 months. Minimum balance requirement is $500. Automatically renew at maturity of CD. No Maintenance Fees. Maximum deposit of $150,000 is only for online account opening. Interest penalty will apply for early withdrawal. Public Funds are not eligible. Can be used as collateral for a personal loan.
Offer: Maximum deposit of $150,000 is only for online account opening. Interest penalty will apply for early withdrawal. Public Funds are not eligible. CD terms of one (1) year or less credit interest at maturity.
Effective Oct 1, 2026
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More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Offer: You can add money any time until maturity. No maximum balance.
3.92% interest rate · Effective Oct 22, 2026
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More details - Johnsonville TVA Employees Credit UnionWealth Builder Certificate of DepositCD · 12 months · $100 min
Credit union · 4 branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Minimum balance to open Wealth Builder Certificate of Deposit: $100.00. Early Withdrawal Penalty: 90 days dividends. Dividend Compound: At Maturity.
Offer: Dividend Compound: At Maturity. Early withdrawal penalty: 90 days dividends.
4.00% interest rate · Effective Sep 23, 2026
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More details - Johnsonville TVA Employees Credit UnionCertificate of DepositCD · 12 months · $1,000 min
Credit union · 4 branches
4.00%APY$400 over 1 year on $10,000Requirements
Product: Minimum balance to open Certificate of Deposit: $1,000.00. Early Withdrawal Penalty: 90 days dividends. Dividend Compound: At Maturity.
Offer: Dividend Compound: At Maturity. Early withdrawal penalty: 90 days dividends.
4.00% interest rate · Effective Sep 23, 2026
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More details - American Airlines Federal Credit UnionRegular Share CertificateCD · 12 months · $1,000 min
Credit union · 1 branch
4.00%APY$400 over 1 year on $10,0003.93% interest rate · Effective Oct 1, 2025
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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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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