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 1–8 results in Cleveland, TN metro
- Tennessee Valley Federal Credit UnionShare CertificatesCD · 12 months · $1,000 min
Credit union · 3 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
Rate checked
More details - 3.80%APY$252 over 8 months on $10,000with conditions
Requirements
Product: Interest earned is compounded daily and credited monthly. Subject to early withdrawal penalty. Automatically renews on maturity date.
Offer: Early withdrawal penalty: terms 12 months or less subject to an amount equal to 91 days of interest earned or that could have been earned. 10-day grace period after maturity to withdraw funds without penalty. Maximum Relationship Rate shown.
Qualified rate · Compounded daily · Effective Sep 24, 2026
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 - Simmons BankCertificate of DepositCD · 6 months · $5,000 min · 3.50%–3.65% by balance
Bank · 1 branch
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 - 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 - 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 - 0.10%APY$5 over 6 months on $10,000
Requirements
Product: Penalty for early withdrawal. Interest compounded annually on CDs over one year. Automatic renewal.
Offer: Penalty for early withdrawal.
Compounded annually · Effective Apr 1, 2024
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 Cleveland, TN metro
42 CDs at 8 banks and credit unions · checked Oct 15–22
- Typical
- 1.64%
- Top 10% from
- 4.14%
- Banks, typical
- 0.10%
- Credit unions, typical
- 2.15%
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Cleveland, TN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Bowater Credit UnionCredit union · 2 branches
- Tennessee Valley Federal Credit UnionCredit union · 3 branches