Compare Bank & Credit Union Rates
Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–15 results in Chattanooga, TN-GA metro
- 5.01%APY$2,769 over 60 months on $10,000intro rate
Requirements
Product: The minimum balance to open an account and obtain the APY is $1000. A penalty may be imposed for early withdrawal.
Offer: 60 Month Certificate of Deposit. APY assumes funds remain on deposit a full year at the listed rate or until maturity, whichever is greater. Penalty for early withdrawal.
Promotional rate · 5.01% interest rate
Rate checked
More details - Tennessee Valley Federal Credit UnionShare CertificatesCD · 12 months · $1,000 min
Credit union · 21 branches
4.50%APY$450 over 1 year on $10,000Requirements
Product: Early withdrawals may incur penalties. No setup or maintenance fees.
Offer: A penalty applies for early withdrawal.
4.43% interest rate
Rate checked
More details - 4.35%APY$435 over 1 year on $10,000intro rate
Requirements
Offer: Limited-time offer. Promo rate valid during initial term only; not applicable to renewals. No minimum balance required to earn APY. Compounded quarterly. Early withdrawal penalty applies.
Promotional rate · 4.28% interest rate · Compounded quarterly · Effective Sep 24, 2026
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More details - 4.34%APY$215 over 6 months on $10,000
4.25% interest rate · Effective Mar 7, 2025
Rate checked
More details - 4.33%APY$214 over 6 months on $10,000
Requirements
Product: Penalty for early withdrawal. NCUA insured up to $250,000. Rates and APY may change after account opening.
Offer: A penalty will be imposed for early withdrawal.
4.25% interest rate · Effective Sep 18, 2026
Rate checked
More details - Chattanooga Federal Employees Credit UnionCertificateCD · 12 months · $1,000 min
Credit union · 1 branch
4.27%APY$427 over 1 year on $10,0004.20% interest rate
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More details - COMTRUST Federal Credit UnionCertificates of Deposit (CDs)CD · 6 months · $1,000 min
Credit union · 4 branches
4.25%APY$210 over 6 months on $10,000Requirements
Product: Certificate requires $1,000 minimum to open and will automatically renew at the end of the term. Fees may reduce earnings on account. Rates subject to change without notice. Penalty for early withdrawal. Federally insured up to $250,000 by NCUA. Opening a CD online is available to existing members; new members can open an account online and add a certificate once membership is established.
Offer: Annual Percentage Yield is based on monthly compounding. Penalty for early withdrawal. Automatically renews at the end of the term.
4.17% interest rate
Rate checked
More details - 4.25%APY$389 over 11 months on $10,000with conditions
Requirements
Product: Fixed rate for the term. Requires a $5,000 minimum opening deposit. Special interest rates apply to initial term only and automatically renew for the disclosed renewal term at standard rates in effect at maturity. Maximum aggregate deposit limit of $2.5 million. Public funds are not eligible. Early withdrawal penalties apply.
Offer: Relationship rate; requires linked Prime Checking, Premier Checking, or Private Bank Interest Checking account at open and renewal. Renews to a 6-month term at 0.05% APY.
Qualified rate · 4.16% interest rate · Effective Oct 3, 2026
Rate checked
More details - 4.16%APY$206 over 6 months on $10,000
Requirements
Product: Certificate Rates are set for the term of the account. Early withdrawal penalty applies.
Offer: Early withdrawal penalty applies. Certificate Rates are set for the term of the account.
4.10% interest rate · Effective Sep 17, 2025
Rate checked
More details - 4.16%APY$1,301 over 36 months on $10,000
Requirements
Product: Early withdrawal penalties apply (90 days' dividends for terms of 1 year or less; 180 days' dividends for terms longer than 1 year). Minimum deposit and balance is $2,500 for terms under 2 years and $500 for terms of 2 years or more.
Offer: 36 Months term ($500 minimum). Early withdrawal penalty of 180 days' dividends applies.
4.10% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.10%APY$169 over 5 months on $10,000intro rate
Requirements
Product: Rate based on ZIP code 43215. Minimum opening deposit is $1,000. For accounts less than $100,000. Early withdrawal penalty applies. Not valid with other offers, no rate exceptions. Not available for brokers, agents, public entities, or financial institutions.
Offer: Promotional rate. Account balance less than $100,000. Early withdrawal penalty applies.
Promotional rate · 4.02% interest rate · Effective Oct 16, 2026
Rate checked
More details - WesBancoCertificates of Deposit (CDs)CD · 14 months · $1,000 min · 3.35%–4.10% by balance
Bank · 1 branch
4.10%APY$480 over 14 months on $10,000with conditionsRequirements
Product: Available in term increments from 3-60 months, earning a fixed-rate of interest. A penalty will be imposed for early withdrawal. Automatically renews at the end of the term unless instructed otherwise. Fees can reduce earnings.
Offer: $1,000 min. balance requirement to open. Apply Online. Penalty for early withdrawal.
Qualified rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Certificates of Deposit (CDs) Balance APY Any balance 3.35% $1,000 – $9,999$1,000 – $9,999 in new money to WesBanco and have an active WesBanco checking account. Open in Branch. Funds deposited to a WesBanco deposit account within 30 days of opening the CD may qualify as new money. 3.85% $10,000 and upYour amountAbove $10,000 in new money to WesBanco and have an active WesBanco checking account. Open in Branch. The minimum to obtain the advertised APY is $10,000. Funds deposited to a WesBanco deposit account within 30 days of opening the CD may qualify as new money. 4.10% Rate checked
More details - 4.10%APY$837 over 24 months on $10,000
Requirements
Product: Minimum deposit for a Share Certificate is $500, with the exception of the Saver Certificate which requires a minimum deposit of $50 to open. APY=Annual Percentage Yield. Assumes dividends are reinvested and the rate continues for a year. Certificate dividend is earned at the applicable term’s fixed rate until the Certificate matures. Fees could reduce earnings on the account. Certificate accounts are subject to substantial penalty for early withdrawal.
4.02% interest rate · Effective Oct 15, 2026
Rate checked
More details - 4.05%APY$371 over 11 months on $10,000intro rate
Requirements
Product: Interest can be paid monthly, quarterly, semi-annually, or annually, and can be automatically transferred to checking or savings. Penalty for early withdrawal. Terms from 90 days to 72 months available.
Offer: 11 Month CD Rate Special. At maturity, converts automatically to a 12 month regular CD at current rate. Penalty for early withdrawal.
Promotional rate · Effective Sep 29, 2026
Rate checked
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
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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What CDs pay in Chattanooga, TN-GA metro
265 CDs at 29 banks and credit unions · checked Oct 15–22
- Typical
- 2.50%
- Top 10% from
- 4.10%
- Banks, typical
- 0.25%
- Credit unions, typical
- 3.55%
Is your bank paying you enough?
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Chattanooga, TN-GA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Peach State Federal Credit UnionCredit union · 1 branch
- Chattanooga Federal Employees Credit UnionCredit union · 1 branch
- First Jackson BankBank · 1 branch