First Horizon Bank CD Rates — October 2026
As of October 22, 2026, First Horizon Bank's highest tracked CD rate is 0.10% APY on a 180-day CD ($1,000 minimum). That is 7% of the FDIC national average for 6-month CDs (1.39%). Standard CD rates range from 0.05% to 0.10% APY.
Tracking began .
First Horizon Bank CD rates
Regular CDs from 30 days to 60 months with a $1,000 minimum to open. Early withdrawal penalties may apply.
| Term | Product | APY | vs. Treasury | Source | |
|---|---|---|---|---|---|
| 30 days | Regular CD | $1,000 | 0.05% | −4.08% | Verified October 22, 2026 |
| 60 days | Regular CD | $1,000 | 0.05% | −4.15% | Verified October 22, 2026 |
| 90 days | Regular CD | $1,000 | 0.05% | −4.24% | Verified October 22, 2026 |
| 180 days | Regular CD | $1,000 | 0.10% | −4.30% | Verified October 22, 2026 |
| 270 days | Regular CD | $1,000 | 0.10% | −4.38% | Verified October 22, 2026 |
| 12 months | Regular CD | $1,000 | 0.10% | −4.47% | Top 99% of tracked 12-month CDs · Verified October 22, 2026 |
| 24 months | Regular CD | $1,000 | 0.10% | −4.77% | Top 99% of tracked 24-month CDs · Verified October 22, 2026 |
| 36 months | Regular CD | $1,000 | 0.10% | −4.85% | Top 99% of tracked 36-month CDs · Verified October 22, 2026 |
| 48 months | Regular CD | $1,000 | 0.10% | −4.88% | Top 99% of tracked 48-month CDs · Verified October 22, 2026 |
| 60 months | Regular CD | $1,000 | 0.10% | −4.91% | Top 100% of tracked 60-month CDs · Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are First Horizon Bank's best CD rates by term?
First Horizon Bank's best rate is 0.10% APY on 180 days, verified October 22, 2026.
- 30 days0.05%
- 60 days0.05%
- 90 days0.05%
- 180 days0.10%
- 270 days0.10%
- 12 mo0.10%
- 24 mo0.10%
- 36 mo0.10%
- 48 mo0.10%
- 60 mo0.10%
How much interest could a First Horizon Bank CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$4.93 interest · $10,004.93 at maturity on $10,000.00.
0.10% APY · 180 days · Regular CD · Standard · verified October 22, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 30 days | $0.210.05% APY · Regular CD · Standard | $0.410.05% APY · Regular CD · Standard | $1.030.05% APY · Regular CD · Standard | $2.050.05% APY · Regular CD · Standard |
| 60 days | $0.410.05% APY · Regular CD · Standard | $0.820.05% APY · Regular CD · Standard | $2.050.05% APY · Regular CD · Standard | $4.110.05% APY · Regular CD · Standard |
| 90 days | $0.620.05% APY · Regular CD · Standard | $1.230.05% APY · Regular CD · Standard | $3.080.05% APY · Regular CD · Standard | $6.160.05% APY · Regular CD · Standard |
| 180 days | $2.470.10% APY · Regular CD · Standard | $4.930.10% APY · Regular CD · Standard | $12.330.10% APY · Regular CD · Standard | $24.650.10% APY · Regular CD · Standard |
| 270 days | $3.700.10% APY · Regular CD · Standard | $7.400.10% APY · Regular CD · Standard | $18.490.10% APY · Regular CD · Standard | $36.980.10% APY · Regular CD · Standard |
| 12 months | $5.000.10% APY · Regular CD · Standard | $10.000.10% APY · Regular CD · Standard | $25.000.10% APY · Regular CD · Standard | $50.000.10% APY · Regular CD · Standard |
| 24 months | $10.000.10% APY · Regular CD · Standard | $20.010.10% APY · Regular CD · Standard | $50.020.10% APY · Regular CD · Standard | $100.050.10% APY · Regular CD · Standard |
| 36 months | $15.020.10% APY · Regular CD · Standard | $30.030.10% APY · Regular CD · Standard | $75.080.10% APY · Regular CD · Standard | $150.150.10% APY · Regular CD · Standard |
| 48 months | $20.030.10% APY · Regular CD · Standard | $40.060.10% APY · Regular CD · Standard | $100.150.10% APY · Regular CD · Standard | $200.300.10% APY · Regular CD · Standard |
| 60 months | $25.050.10% APY · Regular CD · Standard | $50.100.10% APY · Regular CD · Standard | $125.250.10% APY · Regular CD · Standard | $250.500.10% APY · Regular CD · Standard |
How First Horizon Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 180-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 13 of 13 tracked institutions with fresh 180-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| First Horizon Bank (this institution)Regular CD · Standard | 180 days | $1,000 | Branches in 12 states | 0.10% | October 22, 2026 |
| Eastman Credit Union (highest tracked APY for this term)Investment Certificate (Jumbo) · Standard | 180 days | $100,000 | Membership required · branches in TN, TX, VA | 4.25% | October 22, 2026 |
| Family Savings Credit UnionShare Certificate · Standard | 180 days | $500 | Membership required · branches in AL, GA | 4.00% | October 22, 2026 |
| Open BankCertificate of Deposit · Standard | 180 days | $1,000 | Branches in CA, CO, GA, NV, TX, WA | 3.50% | October 22, 2026 |
| Treasury (APY-equivalent) | 180 days (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.40% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking First Horizon Bank on October 22, 2026.
About First Horizon Bank
- Legal name
- First Horizon Bank
- Regulator ID
- FDIC 4977
- Headquarters
- Memphis, TN
- Available in
- AL, AR, FL, GA, LA, MS, NC, NY, SC, TN, TX, VA
- Total assets
- $84.1 billion
- Also known as
- First Horizon
- Website
- www.firsthorizon.com
Source: rates read from https://www.firsthorizon.com/personal/checking-and-savings/savings-and-cds/regular-cd. See the page text we read.
Frequently asked questions
What is the highest CD rate at First Horizon Bank?
Among the rates we track, 0.10% APY on a 180-day CD, as of October 22, 2026.
What is the minimum deposit for a First Horizon Bank CD?
The lowest minimum we found is $1,000.
How does First Horizon Bank's best CD rate compare with Treasury yields?
0.10% APY is −4.30% versus the 180-day Treasury yield of 4.40% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 0.10% a good CD rate?
It is 0.1 times the FDIC national average for a similar term (1.39% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are First Horizon Bank CDs insured?
First Horizon Bank is an FDIC-insured bank (FDIC 4977). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check First Horizon Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from First Horizon Bank's website and may change at any time. Confirm terms, minimums and eligibility with First Horizon Bank before opening an account. This page is not financial advice.