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 61–67 results in Memphis, TN-MS-AR metro
- Southeast Financial Credit UnionDreamBuilder CertificateCD · 6 months · $100 min
Credit union · 1 branch
0.50%APY$25 over 6 months on $10,000Requirements
Product: Early withdrawal penalty applies (all dividends posted for terms < 6 months, 6 months dividends for terms >= 6 months). 7-calendar-day grace period after maturity.
Effective Oct 1, 2026
Rate checked
More details - Hope Credit UnionTransformational Deposits CertificateCD · 12–60 months · $1,000 min
Credit union · 5 branches
0.25%APYRequirements
Product: Not available on 6-month term. High-impact certificates at below-market rates to help extend economic opportunities. Early withdrawal penalties apply. Insured up to $250,000 by NCUA.
Offer: Not available on 6-month term. Available for 12, 24, 36, or 60 months.
0.25% interest rate · Effective Oct 1, 2026
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 - Kennedy VA Employees FCU6 Month Term AccountCD · 6 months · $1,000 min · 0.05%–0.08% by balance
Credit union · 1 branch
0.08%APY$4 over 6 months on $10,000Requirements
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.
0.05% interest rate · Effective Jul 1, 2021
Rate by balance
Rate by balance for 6 Month Term Account Balance APY $1,000 and up 0.05% $5,000 and upYour amount 0.08% Rate checked
More details - 0.05%APY$2 over 6 months on $10,000with conditions
Requirements
Product: CD ladders are a group of four CDs opened at the same time for the same amount with different terms, with a minimum of $1,000 in each CD. A linked Chase Private Client Checking account is required.
Offer: 12-month CD ladder relationship rate. Requires linked Chase Private Client Checking account.
Qualified rate · 0.02% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for CD Ladder Balance APY Up to $9,999 0.02% $10,000 – $99,999Your amount 0.05% $100,000 and up 0.05% Rate checked
More details - 0.05%APY$8 over 18 months 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.
0.05% interest rate · Effective Jul 1, 2021
Rate checked
More details - 0.03%APY
Requirements
Product: Fixed rate account. Applicable rate paid until CD matures. Online opening limit is $250,000. Early withdrawal penalty applies.
Offer: Term: 6-11 Months. Balance tier: Less than $10,000.
0.03% interest rate · Effective Oct 5, 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%
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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