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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 1–4 results in Winchester, TN metro · Few institutions in Winchester, TN metro: choose a wider area in the filters
- Ascend Federal Credit UnionRegular Share CertificateCD · 12 months · $500 min · 4.20%–4.25% by balance
Credit union · 1 branch
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 - Ascend Federal Credit UnionMember's Advantage Share CertificateCD · 54 months · $1,000 min
Credit union · 1 branch
4.02%APY$1,941 over 54 months on $10,000Requirements
Product: Available for 15-month and 54-month terms. Allows one additional deposit of at least $1,000 during the term and one-time rate increase to the current issue rate if greater. Early withdrawal penalty of 210 days' dividends applies.
Offer: Fixed rate. Allows 1 additional deposit of $1,000 minimum and 1 rate increase to the current issue rate if greater.
3.95% interest rate · Effective Oct 1, 2026
Rate checked
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
Rate checked
More details - Ascend Federal Credit UnionHome Purchase Share CertificateCD · 36 months · $1,000 min
Credit union · 1 branch
3.40%APY$1,055 over 36 months on $10,000Requirements
Product: Variable-rate certificate. Additional deposits allowed at any time in any increment. Withdrawals made in conjunction with the purchase of a home are penalty-free upon receiving appropriate documentation. When financing is secured through Ascend, mortgage loan processing fee is waived during the loan process.
Offer: Variable rate. Additional deposits accepted at any time. Penalty-free early withdrawal for home purchase.
3.35% interest rate · Effective Oct 1, 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 Winchester, TN metro
12 CDs at 2 banks and credit unions · checked Oct 15
- Typical
- 3.97%
- Top 10% from
- 4.07%
- Banks, typical
- 4.00%
- Credit unions, typical
- 3.97%
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Winchester, TN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Ascend Federal Credit UnionCredit union · 1 branch