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Best CD rates and certificates
Compare published certificate yields with their terms, opening minimums, requirements, collection dates and original sources.
Top CD rates
Showing 1–12 results in Morristown, TN metro
- Knoxville TVA Employees Credit UnionCertificate AccountsCD · 12 months · $2,500 min
Credit union · 4 branches
5.00%APY$500 over 1 year on $10,000Requirements
Product: Paper statement fee $2.00/month unless enrolled in eStatements. Early withdrawal penalty: 90 days dividends for terms 17 months or less; 180 days for 18 months or more. Add 0.25% APY to dividend rate for $10,000+ new money OR direct deposit. Not applicable to 12-month term.
4.89% interest rate · $2 monthly fee · Effective Oct 15, 2026
Rate checked
More details - 4.50%APY$761 over 20 months on $10,000
Requirements
Product: Terms less than 24 months have an early withdrawal penalty of 91 days. Terms 24 months and above have an early withdrawal penalty of 180 days.
Offer: Special certificate account; transferred to regular share account upon maturity.
Effective Sep 23, 2026
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More details - Knoxville TVA Employees Credit UnionEducational Savings PlanCD · 121–Unknown months · $0 min
Credit union · 4 branches
4.28%APYRequirements
Product: No minimum opening deposit. Must be open for minimum 3 years. Pays out on child's college entrance date or 18th birthday. Paper statement fee $2.00/month unless enrolled in eStatements. Cannot be designated as an IRA.
4.20% interest rate · $2 monthly fee · Effective Oct 15, 2026
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More details - 4.00%APY$231 over 7 months on $10,000
Requirements
Product: Terms between 1 month and 60 months. Minimum balance requirement is $500. Automatically renew at maturity of CD. No Maintenance Fees. Maximum deposit of $150,000 is only for online account opening. Interest penalty will apply for early withdrawal. Public Funds are not eligible. Can be used as collateral for a personal loan.
Offer: Maximum deposit of $150,000 is only for online account opening. Interest penalty will apply for early withdrawal. Public Funds are not eligible. CD terms of one (1) year or less credit interest at maturity.
Effective Oct 1, 2026
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More details - 3.75%APY$375 over 1 year on $10,000
Requirements
Product: Flexible terms are available from 182 days to 60 months. APYs assume deposits remain in the account for the term of the deposit account and interest is added back when paid. Early withdrawal penalties will be imposed. Fees may reduce earnings.
Offer: An early withdrawal penalty will be imposed. APYs assume deposits remain in the account for the term of the deposit account and interest is added back when paid. Any specials are limited time offers.
3.75% interest rate · Effective Sep 29, 2026
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More details - 3.25%APY$161 over 6 months on $10,000
3.20% interest rate · Effective Sep 21, 2026
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More details - 3.03%APY$303 over 1 year on $10,000
Requirements
Product: Interest compounded based on CD term (quarterly, semi-annually, or at maturity). Automatically renewable. Penalty may apply for early withdrawal. Free with eStatements.
Offer: Average daily balance range: All Balances. Free with eStatements. Penalty may apply for early withdrawal. Automatically renewable.
3.00% interest rate · Effective May 1, 2026
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More details - Knoxville TVA Employees Credit UnionSet It & Forget It Certificate AccountCD · 24 months
Credit union · 4 branches
3.00%APY$609 over 24 months on $10,000Requirements
Product: Automatic monthly deposit of $25 required on balances under $25,000. Additional deposits allowed. Term fixed at account opening.
2.96% interest rate · Effective Oct 15, 2026
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More details - 0.40%APY$202 over 60 months on $10,000
0.40% interest rate · Balance cap $250,000 · Effective Oct 6, 2026
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More details - 0.35%APY$82 over 28 months on $10,000blended over a stepped scheduleintro rate
Requirements
Offer: Step period 1 (months 1-7)
Promotional rate · 0.05% interest rate · Effective Oct 6, 2026
Rate schedule
Rate schedule for Step Up CD Period APY Step period 1 (months 1-7) 0.05% Step period 2 (months 8-14) 0.25% Step period 3 (months 15-21) 0.45% Step period 4 (months 22-28) 0.65% Rate checked
More details - 0.25%APY$126 over 60 months on $10,000
0.25% interest rate · Effective Oct 6, 2026
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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
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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 Morristown, TN metro
57 CDs at 7 banks and credit unions · checked Oct 6–22
- Typical
- 1.50%
- Top 10% from
- 4.15%
- Banks, typical
- 0.10%
- Credit unions, typical
- 4.08%
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Morristown, TN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Knoxville TVA Employees Credit UnionCredit union · 4 branches