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 121–135 results in Tennessee
- First Choice Community Credit UnionShare CertificateCD · 60 months · $1,000 min
Credit union · 2 branches
3.56%APY$1,910 over 60 months on $10,000Requirements
Product: APY based on monthly compounding. Rates subject to change daily.
Effective Jan 26, 2026
Rate checked
More details - Northeast Community Credit Union24 Simple Savings Certificate AccountCD · 24 months · $0 min
Credit union · 4 branches
3.55%APY$723 over 24 months on $10,000Requirements
Product: One account per member. Regular deposits made through payroll deduction or direct deposit to reach at least $1,000 by end of the 2-year period. $50 bonus added at maturity. Reward add-ons do not apply.
Offer: Regular deposits via payroll deduction/direct deposit to reach at least $1,000 by end of 2-year period. $50 bonus added at maturity. Reward add-ons do not apply.
Effective Oct 5, 2026
Rate checked
More details - Simmons BankCertificate of DepositCD · 6 months · $5,000 min · 3.50%–3.65% by balance
Bank · 42 branches
3.50%APY$173 over 6 months on $10,000Requirements
Product: Online opening available to residents of AL, AR, AZ, GA, IN, KS, MO, OH, OK, SC, TN, and TX. If opened online, full opening deposit must be New Money. If opened in person, at least half of the total opening deposit must be New Money. New Money is money not currently on deposit at Simmons Bank. Not available for public funds. Early withdrawal penalty applies. CD auto-renews at maturity for same term at prevailing rate if no action taken within 10-day grace period.
Offer: Requires New Money ($5,000 - $49,999.99). If opened online, full opening deposit must be New Money; if opened in person, at least half must be New Money.
Effective Nov 3, 2025
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $5,000 – $50,000Your amount 3.50% $50,000 – $250,000Requires New Money ($50,000 - $250,000). Maximum deposit is $250,000. 3.65% Rate checked
More details - 3.50%APY$173 over 6 months on $10,000
Requirements
Product: Fixed-rate. Minimum investment $1,000. Wide variety of terms available 6 to 60 months. Rates subject to change at any time and not guaranteed.
Rate checked
More details - 3.50%APY$203 over 7 months on $10,000
Requirements
Product: Substantial penalty applies for early withdrawals. Fees could reduce earnings on accounts.
3.45% interest rate
Rate checked
More details - Leaders Credit Union11-Month Certificate SpecialCD · 11 months · $1,000 min
Credit union · 10 branches
3.50%APY$320 over 11 months on $10,000intro rateRequirements
Product: Limited-time offer. At maturity, automatically renews as a 12-Month Term Share Certificate. Early withdrawal penalties apply. Fixed rate account.
Offer: Fixed-rate certificate special. Dividends earned and compounded monthly.
Promotional rate · 3.45% interest rate · Compounded monthly · Effective Jul 1, 2026
Rate checked
More details - UPS Employees Credit UnionShare CDsCD · 12 months · $1,000 min · 3.50%–3.75% by balance
Credit union · 1 branch
3.50%APY$350 over 1 year on $10,000Requirements
Product: Term Share Certificates (CDs) range from 6 months to 36 months and require a minimum deposit of $1,000.00 to $100,000.00. Interest rate is fixed until maturity with a 7-day grace period. Early withdrawal penalty is 90 days of interest on the amount withdrawn.
Offer: Rate is listed with typo '3.4.55%' in source, interest rate omitted as numeric null.
Effective Oct 5, 2026
Rate by balance
Rate by balance for Share CDs Balance APY $1,000 and upYour amount 3.50% $100,000 and upCertificate Special! 12 Month Jumbo (SC) 3.75% Rate checked
More details - Northeast Community Credit Union12 Month Certificate AccountCD · 12 months · $500 min
Credit union · 4 branches
3.50%APY$350 over 1 year on $10,000 - United Southeast Federal Credit UnionShare CertificatesCD · 12 months · $1,000 min
Credit union · 2 branches
3.50%APY$350 over 1 year on $10,000Requirements
Product: Dividends are compounded and paid quarterly unless stated otherwise. Membership is established by maintaining $5 in a share/savings account with USFCU. Early withdrawal subject to penalty. Dividends can be added back to account, transferred, or mailed monthly.
Offer: 12 Month Maturity. All deposit amounts earn the same percentage yield based on the term selected.
3.46% interest rate · Effective Sep 29, 2026
Rate checked
More details - 3.50%APY$530 over 18 months on $10,000
Requirements
Product: Primary owner must be in the field of membership of Orion Financial and maintain one share in Primary Share Account. Minimum $500 required to open and earn advertised APY. Early withdrawal fees/penalties apply.
3.45% interest rate · Effective Sep 28, 2026
Rate checked
More details - 3.50%APY$1,475 over 48 months on $10,000
Requirements
Product: Penalty applied for early withdrawal of funds. Rates are subject to change without notice. Contact GECU for complete account disclosures. Fees or other conditions could reduce earnings on your account.
Offer: Compounded quarterly. Early withdrawal penalty applies.
3.46% interest rate · Compounded quarterly · Effective Feb 28, 2026
Rate checked
More details - 3.50%APY$1,877 over 60 months on $10,000
Requirements
Product: Dividends paid quarterly. Early withdrawal penalty is 90 days of dividends for terms 12 months or less, and 180 days of dividends for terms over 12 months.
3.46% interest rate · Effective Oct 1, 2026
Rate checked
More details - Knoxville Law Enforcement Federal Credit UnionShare CertificateCD · 36 months · $1,000 min
Credit union · 1 branch
3.41%APY$1,058 over 36 months on $10,000Requirements
Product: Dividends calculated daily, compounded/posted monthly. Early withdrawal penalties apply. All rates subject to change.
Offer: Minimum balance $500.00 for minor accounts.
3.35% interest rate · Effective Dec 18, 2024
Rate checked
More details - 3.40%APY$340 over 1 year on $10,000
Requirements
Product: Minimum certificate deposit: $1,000.
Rate checked
More details - Ascend Federal Credit UnionHome Purchase Share CertificateCD · 36 months · $1,000 min
Credit union · 27 branches
3.40%APY$1,055 over 36 months on $10,000Requirements
Product: Variable-rate certificate. Additional deposits allowed at any time in any increment. Withdrawals made in conjunction with the purchase of a home are penalty-free upon receiving appropriate documentation. When financing is secured through Ascend, mortgage loan processing fee is waived during the loan process.
Offer: Variable rate. Additional deposits accepted at any time. Penalty-free early withdrawal for home purchase.
3.35% interest rate · Effective Oct 1, 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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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