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 91–105 results in Tennessee
- 3.80%APY$188 over 6 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.
3.75% interest rate · Effective Aug 9, 2023
Rate checked
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 - 3.80%APY$412 over 13 months on $10,000intro rate
Requirements
Product: Minimum balance is just $500. Special Rate-Not Auto-Renewable. Call for available rates and terms. Penalty may apply for early withdrawal. Rates are subject to change. Computed Daily, Posted Quarterly.
Offer: Special Rate-Not Auto-Renewable. Call for available rates and terms.
Promotional rate · 3.75% interest rate · Effective Sep 1, 2025
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More details - 3.75%APY$92 over 3 months on $10,000
Requirements
Product: The Minimum Opening Deposit and the Minimum Balance required to earn dividends is $1,000.00.
3.69% interest rate · Effective May 30, 2025
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More details - 3.75%APY$186 over 6 months on $10,000
Rate checked
More details - 3.75%APY$186 over 6 months on $10,000
Requirements
Product: All yields quoted are subject to change without notice. Penalty for early withdrawal of certificates: 90 days dividend. The penalty could be more than the dividends and therefore come from the principal of the certificate. The annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings.
3.75% interest rate · Effective Oct 1, 2026
Rate checked
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 - 3.75%APY$375 over 1 year on $10,000
Requirements
Product: Early withdrawal penalty: 90 Days' Dividends. APY assumes dividends remain on deposit until maturity.
Offer: Term: 365 days. Jumbo tier N/A.
3.69% interest rate · Effective Oct 15, 2026
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More details - 3.75%APY$375 over 1 year on $10,000
Requirements
Product: Flexible terms are available from 182 days to 60 months. APYs assume deposits remain in the account for the term of the deposit account and interest is added back when paid. Early withdrawal penalties will be imposed. Fees may reduce earnings.
Offer: An early withdrawal penalty will be imposed. APYs assume deposits remain in the account for the term of the deposit account and interest is added back when paid. Any specials are limited time offers.
3.75% interest rate · Effective Sep 29, 2026
Rate checked
More details - Old Hickory Credit UnionRegular Share CertificatesCD · 12 months · $500 min
Credit union · 7 branches
3.75%APY$375 over 1 year on $10,000Requirements
Product: Requires a minimum balance of $500. Dividend rate is guaranteed for the term of the certificate. Penalty for early withdrawal. Jumbo certificates for balances of $100,000 or greater pay .10% APY more than the regular certificate yield.
3.69% interest rate
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More details - 3.75%APY$375 over 1 year on $10,000
Requirements
Product: Minimum Opening Deposit and Minimum Balance to earn dividends is $500.00.
3.69% interest rate · Effective May 30, 2025
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More details - Northeast Community Credit Union20 Month Bump-Up Certificate AccountCD · 20 months · $500 min
Credit union · 4 branches
3.75%APY$633 over 20 months on $10,000Requirements
Product: Option to bump up to the then-current interest rate one time during the term. Deposits permitted in increments of $500. Reward add-ons do not apply.
Offer: Option of bumping up to current interest rate one time during term. Deposits permitted in increments of $500. Reward add-ons do not apply.
Effective Oct 5, 2026
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More details - Northeast Community Credit Union24 Month Certificate AccountCD · 24 months · $500 min
Credit union · 4 branches
3.75%APY$764 over 24 months on $10,000 - 3.75%APY$1,587 over 48 months on $10,000
Requirements
Product: Interest begins to accrue on the day the deposit is made and is calculated by the daily balance method. Penalty will be imposed for early withdrawal.
3.75% interest rate
Rate checked
More details - Interfaith Federal Credit UnionCertificate AccountsCD · 6 months · $1,000 min · 3.70%–3.80% by balance
Credit union · 1 branch
3.70%APY$183 over 6 months on $10,000Requirements
Product: Dividends are paid quarterly. Liquid Certificate is available for 6-month term. Unlimited deposits and 2 penalty-free withdrawals May be subject to new money requirements.
Offer: Dividends paid quarterly.
3.63% interest rate · Effective Oct 14, 2026
Rate by balance
Rate by balance for Certificate Accounts Balance APY $1,000 – $4,999 3.70% $5,000 – $14,999Your amount 3.70% $15,000 – $29,999 3.75% $30,000 – $49,999 3.75% $50,000 – $99,999 3.80% $100,000 and up 3.80% 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%
Is your bank paying you enough?
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