We offer a wide array of Certificate options, one for nearly every investor.
Certificates are offered in terms ranging from 6 to 42 months. Dividends may be transferred to a Checking or Savings account; withdrawn without penalty at Certificate maturity; and/or automatically mailed to you in a monthly check form.
A minimum deposit of $1000 is required to open any Certificate Account.
For more information, contact our Member Service Center at 901-321-1200 or toll-free 877-825-3180.
APY = Annual Percentage Yield. See current Fee Schedule for early withdrawal penalties. Fees could reduce earnings.
Check out our CD Rates:
| Duration | Min. Balance | APR1 | APY2 |
|---|---|---|---|
| 6 months | $1,000 | 4.00% | 4.06% |
| 12 months | $1,000 | 3.90% | 3.96% |
| 24 months | $1,000 | 3.35% | 3.39% |
| 30 months | $1,000 | 3.15% | 3.19% |
| 36 months | $1,000 | 3.25% | 3.29% |
| 42 months | $1,000 | 3.25% | 3.29% |
1APR = Annual Percentage Rate.
2APY = Annual Percentage Yield. Rates are Effective July 1, 2025. Rates are subject to change without notice. Ask for complete details.
2APY = Annual Percentage Yield. Rates are Effective July 1, 2025. Rates are subject to change without notice. Ask for complete details.
Penalty for Early Maturity of Certificate: 60 days penalty for early withdrawal of certificate. There is no difference in the penalty for an IRA or Regular Share Certificate. The penalty could be more than the accrued dividends and therefore come from the principle of the certificate.