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 16–30 results in Memphis, TN
- 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 - Southern Security Federal Credit UnionShare CertificatesCD · 6 months · $2,500 min · 3.65%–3.75% by balance
Credit union · 2 branches
3.70%APY$183 over 6 months on $10,000Requirements
Product: Terms from 91 days to 5 years. Minimum balance of $500. Certificates auto-renew unless otherwise directed.
3.62% interest rate
Rate by balance
Rate by balance for Share Certificates Balance APY $2,500 and up 3.65% $10,000 and upYour amount 3.70% $50,000 and up 3.75% Rate checked
More details - 3.56%APY$725 over 24 months on $10,000
Requirements
Product: Penalty may be imposed for early withdrawal (2 Year CD: 120 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: 120 days.
3.50% interest rate · Effective Aug 9, 2023
Rate checked
More details - 3.56%APY$1,106 over 36 months on $10,000
Requirements
Product: Penalty may be imposed for early withdrawal (3 Year CD: 182 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: 182 days.
3.50% interest rate · Effective Aug 9, 2023
Rate checked
More details - Simmons BankCertificate of DepositCD · 6 months · $5,000 min · 3.50%–3.65% by balance
Bank · 5 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 - 3.50%APY$173 over 6 months on $10,000
Requirements
Product: Fixed-rate. Minimum investment $1,000. Wide variety of terms available 6 to 60 months. Rates subject to change at any time and not guaranteed.
Rate checked
More details - UPS Employees Credit UnionShare CDsCD · 12 months · $1,000 min · 3.50%–3.75% by balance
Credit union · 1 branch
3.50%APY$350 over 1 year on $10,000Requirements
Product: Term Share Certificates (CDs) range from 6 months to 36 months and require a minimum deposit of $1,000.00 to $100,000.00. Interest rate is fixed until maturity with a 7-day grace period. Early withdrawal penalty is 90 days of interest on the amount withdrawn.
Offer: Rate is listed with typo '3.4.55%' in source, interest rate omitted as numeric null.
Effective Oct 5, 2026
Rate by balance
Rate by balance for Share CDs Balance APY $1,000 and upYour amount 3.50% $100,000 and upCertificate Special! 12 Month Jumbo (SC) 3.75% Rate checked
More details - 3.50%APY$530 over 18 months on $10,000
Requirements
Product: Primary owner must be in the field of membership of Orion Financial and maintain one share in Primary Share Account. Minimum $500 required to open and earn advertised APY. Early withdrawal fees/penalties apply.
3.45% interest rate · Effective Sep 28, 2026
Rate checked
More details - 3.40%APY$340 over 1 year on $10,000
Requirements
Product: Minimum certificate deposit: $1,000.
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 · 3 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
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 Memphis, TN
266 CDs at 30 banks and credit unions · checked Oct 15–22
- Typical
- 2.00%
- Top 10% from
- 3.88%
- Banks, typical
- 0.40%
- Credit unions, typical
- 2.99%
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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