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 Nashville, TN metro
- 4.50%APY$260 over 7 months on $10,000
Requirements
Product: Membership with Ten Credit Union required. Funds federally insured by NCUA up to $250,000. Early withdrawal penalties may apply. Automatically renews at maturity at current rate unless indicated otherwise. Withdrawal of dividends before maturity will reduce earnings.
Offer: Dividends credited/paid monthly.
Effective Jan 1, 2026
Rate checked
More details - 4.39%APY$439 over 1 year on $10,000intro rate
Requirements
Offer: Special 12-Month Fixed Rate CD requires new money deposits. Automatically renews at the then-prevailing published 12-month standard rate and APY.
Promotional rate · 4.30% interest rate · Effective Oct 16, 2026
Rate checked
More details - 4.35%APY$398 over 11 months on $10,000
Requirements
Product: Minimum amount of $500.00 to open the account and earn dividends quarterly. Early withdrawals are subject to penalty.
Offer: Certificate Special. Quarterly dividends. Early withdrawals are subject to penalty.
Effective Oct 1, 2026
Rate checked
More details - 4.35%APY$472 over 13 months on $10,000
Requirements
Product: Penalty for early withdrawal. Partial withdrawals permitted with penalty on amount withdrawn. Interest is compounded every 6 months. Daily balance method used. No fee for CDs.
Offer: CD Special / All CD Offerings. Penalty for early withdrawal. Interest compounded every 6 months.
4.30% interest rate · Effective Sep 21, 2026
Rate checked
More details - 4.27%APY$319 over 9 months on $10,000intro rate
Requirements
Product: Must be new money not currently on deposit at Sonata Bank. Rate specials are available to consumers in Tennessee.
Offer: Applies to the initial term of a new 9-month CD Special. Must be new money to Sonata Bank. Available to consumers in Tennessee.
Promotional rate · Effective Sep 25, 2026
Rate checked
More details - 4.25%APY$317 over 9 months on $10,000intro rate
Requirements
Product: Fixed rate certificates. A substantial penalty may be imposed for early withdrawal or failure to comply with certificate requirements. Minimum balance listed is required to purchase certificate and obtain APY. Rates subject to change weekly/without notice and paid until first maturity.
Offer: Featured certificate.
Promotional rate · 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 - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 6 branches
4.25%APY$461 over 13 months on $10,000intro rateRequirements
Product: A minimum opening deposit of $1,000 is required for all CD accounts. Penalty for early withdrawal. Fees may reduce earnings. At the end of Promotional CD term, account automatically converts to the Standard consumer CD term that is closest to but not greater than Promotional CD term, at the applicable Standard rate. No withdrawals without penalty within first seven days. No partial withdrawals permitted. The $1.00 - $999.99 tier is for Renewal Only.
Offer: Renewal Only. Promotional rate.
Promotional rate · 0.01% interest rate · Effective Oct 21, 2026
Rate by balance
Rate by balance for Fixed Rate Certificate of Deposit (CD) Balance APY Up to $1,000 0.01% $1,000 and upYour amount 4.25% Rate checked
More details - 4.25%APY$2,313 over 60 months on $10,000
Requirements
Product: Minimum deposit of at least $1,000. $2,000,000 maximum deposit per CD product ($100,000 maximum when opening online). A penalty will be imposed for early withdrawal. Partial withdrawals allowed for 6, 11, 15, 18, 24, 36, 48 and 60 Month CD ($1,000 minimum withdrawal with minimum remaining balance greater than $1,000). Partial withdrawals are not allowed for 12 Month CD. Automatically renewable certificates allow 10 days after maturity to redeem.
4.16% interest rate · Balance cap $2,000,000 · Effective Oct 15, 2026
Rate checked
More details - 4.22%APY$6,422 over 144 months on $10,000
Requirements
Product: Membership required for RFCU products. Compounding and non-compounding dividend options available. Substantial penalty for early withdrawal of certificate principal prior to maturity. Minimum balance must be maintained at all times to earn disclosed APY. Also referenced as Traditional Standard. Note: Opening minimum is listed as $1,000 in rate schedule disclosures and $2,000 in features table.
Offer: Compounding option. Dividend rate is 4.15%. Opening minimum stated as $1,000 on rate disclosure and $2,000 on feature table.
4.15% interest rate · Balance cap $999,999 · Effective Sep 16, 2026
Rate checked
More details - Ascend Federal Credit UnionRegular Share CertificateCD · 12 months · $500 min · 4.20%–4.25% by balance
Credit union · 20 branches
4.20%APY$420 over 1 year on $10,000Requirements
Product: Certificate accounts have no fees; penalty for early withdrawal applies. Dividends compounded and credited monthly based on daily balance. Automatically renewable with a 7-day grace period.
Offer: Fixed rate. Additional deposits not allowed. Penalty of 180 days' dividends for early withdrawal.
4.12% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Regular Share Certificate Balance APY Any balanceYour amount 4.20% $100,000 and upJumbo certificate. A negotiated rate may be obtained for $100,000.00 or greater. 4.25% Rate checked
More details - US Community Credit UnionCertificateCD · 60 months · $500 min · 4.18%–4.23% by balance
Credit union · 4 branches
4.18%APY$2,272 over 60 months on $10,000Requirements
Product: Membership required with $5 par value share deposit. Penalty for early withdrawal. Rates prospective/current as of 9-11-2026.
Effective Sep 11, 2026
Rate by balance
Rate by balance for Certificate Balance APY $500 – $100,000Your amount 4.18% $100,000 and up 4.23% Rate checked
More details - US Community Credit Union12 Month (Quarterly) Certificate SpecialCD · 12 months · $2,500 min · 4.11%–4.17% by balance
Credit union · 4 branches
4.11%APY$411 over 1 year on $10,000intro rateRequirements
Product: Must be opened with New Money only (money not on deposit at US Community Credit Union within prior 6 months). Non-members must join and open share account with $5 minimum deposit. Rate available until first maturity. Early withdrawal penalty. Limited time only.
Offer: Regular 12 Month (Quarterly) Certificate Special. New money required. Special rate only available until first maturity.
Promotional rate · Effective Sep 11, 2026
Rate by balance
Rate by balance for 12 Month (Quarterly) Certificate Special Balance APY $2,500 – $250,000Your amount 4.11% $250,000 – $500,000Jumbo 12 Month (Quarterly) Certificate Special. 4.17% Rate checked
More details - Redstone Federal Credit UnionMember's Choice Share CertificateCD · 144 months · $1,000 min
Credit union · 6 branches
4.11%APY$6,215 over 144 months on $10,000Requirements
Product: Membership required for RFCU products. Compounding and non-compounding dividend options available. After 90 days from opening, members may request to change the dividend rate to the current rate applicable to the term, and every 365 days thereafter. Not available as Jumbo Certificates. Substantial penalty for early withdrawal of certificate principal prior to maturity. Minimum balance must be maintained at all times to earn disclosed APY.
Offer: Compounding option. Dividend rate is 4.05%. Rate change option available after 90 days and every 365 days thereafter.
4.05% interest rate · Balance cap $999,999 · Effective Sep 16, 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
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 Nashville, TN metro
505 CDs at 48 banks and credit unions · checked Oct 15–22
- Typical
- 2.94%
- Top 10% from
- 4.00%
- Banks, typical
- 1.02%
- Credit unions, typical
- 3.40%
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Nashville, TN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Ascend Federal Credit UnionCredit union · 20 branches
- American Airlines Federal Credit UnionCredit union · 1 branch
- St. Thomas Credit UnionCredit union · 1 branch