Tervo is a municipality of Finland. It is located in the former province of Eastern Finland and is part of the North Savo region. The municipality has a population of 1,398 (30 June 2025), making it North Savo's least populous municipality. It covers an area of 494.30 square kilometres (190.85 sq mi) of which 30%, or 146.52 km² (56.57 sq mi), is water. The population density is 4.02 inhabitants per square kilometre (10.4/sq mi).

Neighbouring municipalities are Keitele, Kuopio, Maaninka, Pielavesi, Rautalampi, Suonenjoki, and Vesanto. Summer cottages are as prevalent as households. The municipality is unilingually Finnish.

Media related to Tervo at Wikimedia Commons