# First Horizon Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/first-horizon-bank
Institution: First Horizon Bank (FDIC 4977)
Aliases: First Horizon
Status: live
Last verified: 2026-10-23T03:50:11.000Z (October 22, 2026)
Official source: https://www.firsthorizon.com/personal/checking-and-savings/savings-and-cds/regular-cd
Coverage: Regular CDs from 30 days to 60 months with a $1,000 minimum to open. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Regular CD | standard | 30 days | $1,000 | 0.05% | Not ZIP-priced | −4.08% | 2026-10-23T03:50:11.000Z | [Snapshot 978](https://apyledger.com/snapshots/978) |
| Regular CD | standard | 60 days | $1,000 | 0.05% | Not ZIP-priced | −4.15% | 2026-10-23T03:50:11.000Z | [Snapshot 978](https://apyledger.com/snapshots/978) |
| Regular CD | standard | 90 days | $1,000 | 0.05% | Not ZIP-priced | −4.24% | 2026-10-23T03:50:11.000Z | [Snapshot 978](https://apyledger.com/snapshots/978) |
| Regular CD | standard | 180 days | $1,000 | 0.10% | Not ZIP-priced | −4.30% | 2026-10-23T03:50:11.000Z | [Snapshot 978](https://apyledger.com/snapshots/978) |
| Regular CD | standard | 270 days | $1,000 | 0.10% | Not ZIP-priced | −4.38% | 2026-10-23T03:50:11.000Z | [Snapshot 978](https://apyledger.com/snapshots/978) |
| Regular CD | standard | 12 months | $1,000 | 0.10% | Not ZIP-priced | −4.47% | 2026-10-23T03:50:11.000Z | [Snapshot 978](https://apyledger.com/snapshots/978) |
| Regular CD | standard | 24 months | $1,000 | 0.10% | Not ZIP-priced | −4.77% | 2026-10-23T03:50:11.000Z | [Snapshot 978](https://apyledger.com/snapshots/978) |
| Regular CD | standard | 36 months | $1,000 | 0.10% | Not ZIP-priced | −4.85% | 2026-10-23T03:50:11.000Z | [Snapshot 978](https://apyledger.com/snapshots/978) |
| Regular CD | standard | 48 months | $1,000 | 0.10% | Not ZIP-priced | −4.88% | 2026-10-23T03:50:11.000Z | [Snapshot 978](https://apyledger.com/snapshots/978) |
| Regular CD | standard | 60 months | $1,000 | 0.10% | Not ZIP-priced | −4.91% | 2026-10-23T03:50:11.000Z | [Snapshot 978](https://apyledger.com/snapshots/978) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.