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 46–60 results in Memphis, TN-MS-AR metro
- 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 - 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 APY assumes interest paid will not be withdrawn.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 - 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 - 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 - 2.02%APY$202 over 1 year on $10,000
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More details - 1.95%APY$1,014 over 60 months on $10,000
Requirements
Product: Minimum deposit of $1,000. Certificates may be renewed automatically. Early withdrawal penalty applies.
1.95% interest rate
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More details - Wells FargoConsumer Fixed Rate Time AccountCD · 24–35 months · $2,500 min · 1.76%–2.27% by balance
Bank · 7 branches
1.76%APYwith conditionsRequirements
Product: Fixed rate CD. Standard opening minimum deposit is $2,500. Early withdrawal penalties apply.
Offer: Relationship rate; requires eligible linked checking account.
Qualified rate · 1.74% interest rate · Effective Oct 3, 2026
Rate by balance
Rate by balance for Consumer Fixed Rate Time Account Balance APY Up to $100,000Your amount 1.76% $100,000 and up 2.27% Rate checked
More details - First Security BankCertificates of DepositCD · 60 months · $1,000 min · 1.35%–1.40% by balance
Bank · 8 branches
1.35%APY$693 over 60 months on $10,0001.35% interest rate · Effective Jan 18, 2023
Rate by balance
Rate by balance for Certificates of Deposit Balance APY $1,000 – $99,999Your amount 1.35% $100,000 and up 1.40% Rate checked
More details - 1.25%APY$62 over 6 months on $10,000
Requirements
Product: Money Market Certificate has a 6-month term with penalty-free withdrawal flexibility (one withdrawal per calendar month in lieu of early withdrawal penalty; excessive withdrawal service charge applies to subsequent withdrawals). Requires $3,000 minimum opening deposit ($1,000 minimum to earn dividends). Subsequent deposits are permitted. Auto-renews if balance is at least the required minimum opening balance.
Offer: Dividends compounded and credited quarterly. Term of 6 months. One withdrawal allowed per calendar month without early withdrawal penalty.
1.24% interest rate · Effective Jul 1, 2026
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More details - 1.00%APY$100 over 1 year on $10,000
Requirements
Product: Early withdrawal penalty of 90 days' dividends applies. Partial withdrawals not allowed. Dividends paid quarterly. Account automatically renews at maturity with a 10-day grace period.
Offer: Early withdrawal penalty applies. Dividends paid quarterly.
1.00% interest rate · Effective Jul 1, 2021
Rate checked
More details - FedTrust Federal Credit UnionConvenient Money CDCD · 12–24 months · $1,000 min · 0.75%–1.00% by balance
Credit union · 4 branches
1.00%APYRequirements
Product: Quarterly paid dividends.
Offer: Quarterly paid dividends.
0.75% interest rate
Rate by balance
Rate by balance for Convenient Money CD Balance APY $1,000 and up 0.75% $10,000 and upYour amount 1.00% Rate checked
More details - 0.60%APY$151 over 30 months on $10,000
0.60% interest rate · Effective Jan 1, 2023
Rate checked
More details - 0.55%APY$278 over 60 months on $10,000
Requirements
Product: Interest rate is variable and subject to change at the discretion of the Bank. Fees may reduce earnings on the account. An early withdrawal penalty may apply.
Offer: Interest Credited: Quarterly
Effective Oct 4, 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 Memphis, TN-MS-AR metro
357 CDs at 43 banks and credit unions · checked Oct 15–22
- Typical
- 2.00%
- Top 10% from
- 3.85%
- Banks, typical
- 1.02%
- Credit unions, typical
- 2.75%
Is your bank paying you enough?
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Memphis, TN-MS-AR metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- LGWFCUCredit union · 1 branch
- Leaders Credit UnionCredit union · 2 branches
- Memphis City Employees Credit UnionCredit union · 6 branches