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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 1–15 results in Clarksville, TN
- Altra Federal Credit UnionAltra Thrive CertificatesCD · 30 months · $1,000 min
Credit union · 2 branches
4.75%APY$1,230 over 30 months on $10,000intro rateRequirements
Product: Dividends paid quarterly. 10-month certificate renews to 12-month at maturity; 30-month certificate renews to 24-month at maturity. Early withdrawal penalty applies.
Offer: 30-month certificate special automatically renews to a 24-month certificate upon maturity. Early withdrawal penalty is 180 days of dividends.
Promotional rate · 4.67% interest rate · Effective Oct 1, 2026
Rate checked
More details - 4.13%APY$1,065 over 30 months on $10,000
Requirements
Product: $0 monthly fee. Terms typically range from 182 days to 60 months. Interest payout options include check, direct deposit, or reinvestment. Laddering available.
Offer: $2,500 minimum balance (and all interest paid and compounded) must remain in the CD to earn the advertised APY. Available to consumer and business customers; public funds are not eligible. Total balance and earned interest may be withdrawn without penalty 7 days after funding date; no withdrawals permitted during first 6 days following funding; partial withdrawals not permitted. Subject to a 24-month interest penalty for early withdrawal after original maturity date.
Effective Aug 17, 2026
Rate checked
More details - Navy Federal Credit UnionStandard CertificateCD · 18 months · $1,000 min · 4.10%–4.15% by balance
Credit union · 2 branches
4.10%APY$621 over 18 months on $10,000Effective Oct 22, 2026
Rate by balance
Rate by balance for Standard Certificate Balance APY $1,000 and upYour amount 4.10% $20,000 and up 4.10% $100,000 and up 4.15% Rate checked
More details - 4.06%APY$510 over 15 months on $10,000intro rate
Requirements
Product: No setup or maintenance fees. Early withdrawals subject to penalty. Renews automatically upon maturity. FDIC insured. $1,000 minimum deposit to open.
Offer: 15 Month Special. Penalty applies for early withdrawal.
Promotional rate · 4.00% interest rate · Effective Sep 17, 2026
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More details - 4.00%APY$400 over 1 year on $10,000
Requirements
Offer: You can add money any time until maturity. No maximum balance.
3.92% interest rate · Effective Oct 22, 2026
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More details - 4.00%APY$2,167 over 60 months on $10,000
Requirements
Product: Must be 18 years of age or older, meet credit union field of membership eligibility, and maintain a Share Savings Account. Additional deposits are not allowed. Fixed rate for term. Balance minimum to earn stated APY is $1,000.
Offer: Dividends compounded quarterly. Additional deposits not allowed.
3.92% interest rate · Compounded quarterly · Effective Oct 5, 2026
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More details - 3.80%APY$252 over 8 months on $10,000with conditions
Requirements
Product: Interest earned is compounded daily and credited monthly. Subject to early withdrawal penalty. Automatically renews on maturity date.
Offer: Early withdrawal penalty: terms 12 months or less subject to an amount equal to 91 days of interest earned or that could have been earned. 10-day grace period after maturity to withdraw funds without penalty. Maximum Relationship Rate shown.
Qualified rate · Compounded daily · Effective Sep 24, 2026
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More details - 3.75%APY$217 over 7 months on $10,000
Requirements
Product: At maturity, automatically renews into a 3 Month Flexible CD at a lower interest rate unless changed during 7-day grace period. Online opening limit is $250,000.
3.69% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Featured CD Balance APY Up to $9,999 3.75% $10,000 – $99,999Your amount 3.75% $100,000 – $999,999 4.11% $1,000,000 and up 4.11% Rate checked
More details - Fortera Credit UnionSmart Start Variable Rate CertificateCD · 24 months · $100 min
Credit union · 5 branches
3.70%APY$754 over 24 months on $10,000Requirements
Product: Must be 18 years of age or older, meet credit union field of membership eligibility, and have a Share Savings Account. Variable rate certificate.
Offer: Dividends compounded and credited quarterly. Additional deposits allowed during the term, $5 minimum. The dividend rate & APY are subject to change during the term.
3.65% interest rate · Effective Oct 5, 2026
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More details - 3.65%APY$365 over 1 year on $10,000
Requirements
Product: Membership is limited. Rates subject to change. Early withdrawal penalty equal to 90 days of dividends for terms of 12 months or less; 180 days of dividends for terms longer than 12 months. Not available for business accounts.
Offer: Compounded semi-annually.
Effective Aug 20, 2026
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More details - 3.50%APY$1,877 over 60 months on $10,000
Requirements
Product: Dividends paid quarterly. Early withdrawal penalty is 90 days of dividends for terms 12 months or less, and 180 days of dividends for terms over 12 months.
3.46% interest rate · Effective Oct 1, 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 - 3.15%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 - 2.75%APY$275 over 1 year on $10,000
Requirements
Product: Must be 18 years of age or older, meet credit union field of membership eligibility (live, work, worship, or attend school in service regions; join affiliated partner; or immediate family of member), and have a Share Savings Account to establish membership. Allows additional deposits (minimum $5) and one penalty-free withdrawal during the term.
Offer: Dividends compounded and credited quarterly. Additional deposits allowed during the term, $5 minimum. One penalty-free withdrawal is allowed during the term.
2.72% interest rate · Effective Oct 5, 2026
Rate checked
More details - 2.50%APY$506 over 24 months on $10,000
Requirements
Product: Dividend Rates are reviewed monthly. Rates are subject to change. More types offered - call for information.
Offer: Interest Pays Quarterly
2.50% interest rate · Effective Aug 1, 2023
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 Clarksville, TN
102 CDs at 12 banks and credit unions · checked Oct 4–22
- Typical
- 2.50%
- Top 10% from
- 3.85%
- Banks, typical
- 0.20%
- Credit unions, typical
- 3.50%
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Clarksville, TN-KY metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Altra Federal Credit UnionCredit union · 2 branches
- Navy Federal Credit UnionCredit union · 3 branches
- Fortera Credit UnionCredit union · 7 branches