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 31–45 results in Shelby County, TN · Showing Shelby County, TN: too few institutions in Arlington, TN
- 3.35%APY$1,791 over 60 months on $10,000
Requirements
Product: Early withdrawal penalty: all dividends posted for terms < 6 months, 6 months dividends for terms >= 6 months. 7-calendar-day grace period after maturity. Optional checking relationship provides bonus 0.15% APY on new certificates.
Effective Oct 1, 2026
Rate checked
More details - 3.34%APY$249 over 9 months on $10,000
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.
3.30% interest rate · Effective Aug 9, 2023
Rate checked
More details - 3.30%APY$219 over 8 months on $10,000with conditions
Requirements
Product: Minimum deposit requirement of $1,000 to open a CD. Penalty for early withdrawal.
Offer: Requires linked qualifying Chase checking account.
Qualified rate · 3.25% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Certificate of Deposit Balance APY Up to $9,999 3.30% $10,000 – $99,999Your amount 3.30% $100,000 and up 3.80% Rate checked
More details - 3.30%APY$499 over 18 months on $10,000
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.
3.25% interest rate · Effective Aug 9, 2023
Rate checked
More details - 3.15%APY$315 over 1 year on $10,000
Requirements
Product: A penalty of 7 days interest will be imposed for early withdrawals within the first 6 days of the account term or following any partial withdrawal. Automatically renews into a 3 Month Flexible CD at maturity unless changed during 7-day grace period. Online opening limit is $250,000.
3.11% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Flexible CD Balance APY Up to $9,999 3.15% $10,000 – $99,999Your amount 3.15% $100,000 – $999,999 3.65% $1,000,000 and up 3.65% Rate checked
More details - Methodist Healthcare Federal Credit UnionShare CertificateCD · 12 months · $1,000 min · 2.80%–3.20% by balance
Credit union · 4 branches
3.05%APY$305 over 1 year on $10,000Requirements
Product: Compounded and credited quarterly. Penalty may be imposed for withdrawal before maturity. Rates subject to change weekly. Membership open to Methodist Le Bonheur Healthcare associates, affiliated groups, and their families.
Offer: Quarterly compounding and crediting. Penalty for early withdrawal may apply.
2.80% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Certificate Balance APY $1,000 – $10,000 2.80% $10,000 – $49,999Your amount 3.05% $50,000 and up 3.20% Rate checked
More details - 3.05%APY$305 over 1 year on $10,000
Requirements
Product: Early withdrawal penalties apply to all certificate accounts. Insured up to $250,000 by NCUA.
3.00% interest rate · Effective Oct 1, 2026
Rate checked
More details - FedTrust Federal Credit UnionCertificateCD · 6 months · $1,000 min · 2.78%–3.04% by balance
Credit union · 4 branches
3.04%APY$151 over 6 months on $10,000Requirements
Product: Quarterly paid dividends.
Offer: Quarterly paid dividends.
2.75% interest rate
Rate by balance
Rate by balance for Certificate Balance APY $1,000 and up 2.78% $10,000 and upYour amount 3.04% Rate checked
More details - FedTrust Federal Credit UnionSimple Saver CertficateCD · 12 months · $100 min
Credit union · 4 branches
3.04%APY$304 over 1 year on $10,000Requirements
Product: Quarterly paid dividends.
Offer: Quarterly paid dividends.
3.00% interest rate
Rate checked
More details - 3.03%APY$303 over 1 year on $10,000
Requirements
Product: Early withdrawals from CDs will incur substantial penalties. Fees could reduce earnings on some accounts. Additional deposits are permitted to share certificates up to 10 days after open/renewal date. The minimum required to open is the same as the minimum required to earn corresponding interest. Monthly Interest / Monthly Check - Posted rate less .20% APY. All rates subject to change without notice.
3.00% interest rate · Effective Oct 15, 2026
Rate checked
More details - 3.00%APY$300 over 1 year on $10,000intro rate
Requirements
Product: Offer is available for a limited time at any BankTennessee location. Opening funds cannot be transferred from an existing BankTennessee account. Subject to early withdrawal penalty.
Offer: Current as of September 13, 2022. Minimum amount to open is $1,000.00 and cannot be transferred from an existing BankTennessee account. At the end of 12 months, the rate will adjust to the current advertised 12-month BankTennessee certificate of deposit rate. Penalty for early withdrawal.
Promotional rate · Effective Sep 13, 2022
Rate checked
More details - 3.00%APY$453 over 18 months on $10,000
Requirements
Product: $500.00 and Up in Even $100.00s. A penalty equal to the accrued interest on the amount withdrawn will be imposed if any funds are withdrawn before the maturity date.
Offer: Deposits in even $100.00 increments.
Rate checked
More details - 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
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 Shelby County, TN
312 CDs at 37 banks and credit unions · checked Oct 15–22
- Typical
- 2.01%
- Top 10% from
- 3.85%
- Banks, typical
- 0.50%
- Credit unions, typical
- 2.83%
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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