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 Franklin, TN
- 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 - 4.25%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
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More details - PNCFixed Rate Certificate of Deposit (CD)CD · 13 months · $1,000 min · 0.01%–4.25% by balance
Bank · 1 branch
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 - 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 - 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
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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
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$165 over 5 months on $10,000intro rate
Requirements
Product: Minimum opening deposit $5,000, maximum $250,000. Must be funded via ACH transfer from an external bank account. Funds must be new money, not on deposit with First Citizens within the past 90 days. Must be opened by an individual residing in a state where a First Citizens branch exists. Not available as an IRA.
Offer: Earn up to 4.00% APY on a 5-month CD.
Promotional rate
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
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More details - 4.00%APY$434 over 13 months on $10,000intro rate
Requirements
Product: Promotional CDs can be opened and funded entirely online (or at a branch for select terms). Automatically renews at maturity. Can be used as collateral for a personal loan. A penalty may be imposed for early withdrawal. Fees may reduce earnings.
Offer: Will automatically renew at maturity of CD. Can be used as collateral for a personal loan. A penalty may be imposed for withdrawal before maturity. Visit a Branch to Open Today.
Promotional rate · Effective Oct 13, 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 - 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
Rate checked
More details - Simmons BankCertificate of DepositCD · 6 months · $5,000 min · 3.50%–3.65% by balance
Bank · 3 branches
3.50%APY$173 over 6 months on $10,000Requirements
Product: Online opening available to residents of AL, AR, AZ, GA, IN, KS, MO, OH, OK, SC, TN, and TX. If opened online, full opening deposit must be New Money. If opened in person, at least half of the total opening deposit must be New Money. New Money is money not currently on deposit at Simmons Bank. Not available for public funds. Early withdrawal penalty applies. CD auto-renews at maturity for same term at prevailing rate if no action taken within 10-day grace period.
Offer: Requires New Money ($5,000 - $49,999.99). If opened online, full opening deposit must be New Money; if opened in person, at least half must be New Money.
Effective Nov 3, 2025
Rate by balance
Rate by balance for Certificate of Deposit Balance APY $5,000 – $50,000Your amount 3.50% $50,000 – $250,000Requires New Money ($50,000 - $250,000). Maximum deposit is $250,000. 3.65% 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 Franklin, TN
253 CDs at 18 banks and credit unions · checked Oct 6–22
- Typical
- 1.45%
- Top 10% from
- 3.96%
- Banks, typical
- 0.25%
- Credit unions, typical
- 3.00%
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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