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 Tennessee
- 4.33%APY$214 over 6 months on $10,000
Requirements
Product: Penalty for early withdrawal. NCUA insured up to $250,000. Rates and APY may change after account opening.
Offer: A penalty will be imposed for early withdrawal.
4.25% interest rate · Effective Sep 18, 2026
Rate checked
More details - 4.32%APY$883 over 24 months on $10,000
Requirements
Product: Minimum of $1,000 to open. Subject to early withdrawal penalty. All certificates compound quarterly.
Offer: Early withdrawal penalty applies. Compounds quarterly.
4.25% interest rate · Effective Sep 21, 2026
Rate checked
More details - Knoxville TVA Employees Credit UnionEducational Savings PlanCD · 121–Unknown months · $0 min
Credit union · 24 branches
4.28%APYRequirements
Product: No minimum opening deposit. Must be open for minimum 3 years. Pays out on child's college entrance date or 18th birthday. Paper statement fee $2.00/month unless enrolled in eStatements. Cannot be designated as an IRA.
4.20% interest rate · $2 monthly fee · Effective Oct 15, 2026
Rate checked
More details - 4.27%APY$319 over 9 months on $10,000intro rate
Requirements
Product: Must be new money not currently on deposit at Sonata Bank. Rate specials are available to consumers in Tennessee.
Offer: Applies to the initial term of a new 9-month CD Special. Must be new money to Sonata Bank. Available to consumers in Tennessee.
Promotional rate · Effective Sep 25, 2026
Rate checked
More details - Chattanooga Federal Employees Credit UnionCertificateCD · 12 months · $1,000 min
Credit union · 1 branch
4.27%APY$427 over 1 year on $10,0004.20% interest rate
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More details - COMTRUST Federal Credit UnionCertificates of Deposit (CDs)CD · 6 months · $1,000 min
Credit union · 3 branches
4.25%APY$210 over 6 months on $10,000Requirements
Product: Certificate requires $1,000 minimum to open and will automatically renew at the end of the term. Fees may reduce earnings on account. Rates subject to change without notice. Penalty for early withdrawal. Federally insured up to $250,000 by NCUA. Opening a CD online is available to existing members; new members can open an account online and add a certificate once membership is established.
Offer: Annual Percentage Yield is based on monthly compounding. Penalty for early withdrawal. Automatically renews at the end of the term.
4.17% interest rate
Rate checked
More details - 4.25%APY$246 over 7 months on $10,000
Requirements
Offer: *Minimum opening balance of $5,000 for 17 Month Certificate Special.
4.17% interest rate · Effective Oct 15, 2026
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More details - 4.25%APY$246 over 7 months on $10,000
Requirements
Product: All regular (non-special/promo) certificates require a $1,000 minimum deposit. Early withdrawal penalties may apply. Federally insured by NCUA.
Offer: 7 Month Relationship Special. Rate applies to new money deposits. The 4.25% APY includes a 0.25% relationship pricing bump for members with an active direct deposit and debit card. Standard APY without relationship pricing is 4.00% APY.
4.17% interest rate · Balance cap $500,000 · Effective Oct 5, 2026
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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 - Y-12 Federal Credit UnionChoose Your Term Special Offer Share CertificateCD · 12 months · $500 min
Credit union · 16 branches
4.25%APY$425 over 1 year on $10,000intro rateRequirements
Product: Limited time offer. Minimum balance to receive advertised rate is $500. Automatically renews at maturity unless changes are made during 7-day grace period. Penalty for early withdrawal.
Offer: 12 Months term.
Promotional rate · 4.17% interest rate · Effective Oct 15, 2026
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More details - 4.25%APY$425 over 1 year on $10,000
Requirements
Product: Early withdrawal penalty applies: 30 days dividends for terms less than 1 year, 90 days dividends for terms 1 to 5 years. Average daily balance calculation method. Dividends compound based on rate schedule. 7-day grace period at maturity. Must maintain minimum share ($5.00) in Regular Savings.
4.17% interest rate · Effective Oct 1, 2026
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More details - Leaders Credit Union12-Month Certificate SpecialCD · 12 months · $1,000 min
Credit union · 10 branches
4.25%APY$425 over 1 year on $10,000intro rateRequirements
Product: Limited time only. Applies to new money only (funds not on deposit with the credit union within the last 30 days). Existing members without a checking account can qualify by opening a new checking account. At maturity, automatically renews as a 12 Month Certificate at prevailing rate. Early withdrawal penalties apply.
Offer: Dividends compounded and credited monthly. Fixed rate. Limited time offer for new money only.
Promotional rate · 4.17% interest rate · Effective Jul 1, 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 · 6 branches
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$868 over 24 months on $10,000
Requirements
Product: FDIC-insured certificates of deposit customized to meet specific needs. Rate not available to institutional investors.
Offer: Early withdrawal penalty will apply. Rate and offer subject to change without notice. Rate not available to institutional investors.
Effective Sep 29, 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 Tennessee
1,110 CDs at 140 banks and credit unions · checked Oct 15–22
- Typical
- 3.03%
- Top 10% from
- 4.06%
- Banks, typical
- 2.01%
- Credit unions, typical
- 3.29%
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Find your bank or credit union to see all its rates and how they compare near you.
Tennessee
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Knoxville TVA Employees Credit UnionCredit union · 24 branches
- LGWFCUCredit union · 1 branch
- Bowater Credit UnionCredit union · 5 branches