Tennessee

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Athens, Tennessee CD Rates – 18-Month

You are viewing rates from banks across Athens





Below are eighteen-month Certificates of Deposit (CD) rates from banks in Athens, Tennessee . Eighteen Month CDs offer a bit more yield than 1 year CDs but require a longer time-commitment. Like any CD, you should consider the trade-off between the difference in yield and the required time commitment. If an 18 month CD pays significantly above the yield of a 12-month CD, it may be worth opening.

Athens, TN - July 16, 2025

18 Month CD National Average : 0.58% ?

Banks APY MIN MILES ?

Rate History: 5.00% → 4.30%

| Sep 19, 2019

No Specials are being offered. These rates are wrong. Read More

0.45%

$10,000

23.66

Learn More

| Jan 30, 2020

Rate no longer available Read More

0.35%

$10,000

21.18

Learn More

0.35%

$10,000

1.00

Learn More

0.35%

$10,000

22.24

Learn More

| Dec 18, 2023

They will not cash savings bonds for non-account holders Read More

| Mar 5, 2019

Pinnacle has not had a 3% CD since Oct of 2018. Read More

| Aug 5, 2019

Wonderful new experience both in their personnel and their policies. A fresh approach to personal banking! Read More

0.20%

$10,000

6.31

Learn More

| Aug 5, 2019

Wonderful new experience both in their personnel and their policies. A fresh approach to personal banking! Read More

All rates listed are Annual Percentage Yield (APY). The Min listed is the minimum deposit account balance required to obtain the rate listed.

Branches Info around Athens, TN - July 16, 2025


Branch Street City State
Simmons Bank
South Congress Branch
1612 South Congress Parkway Athens TN
Andrew Johnson Bank
Andrew Johnson Bank Lpo Branch
217 Broad Street, Nw Cleveland TN
First Citizens National Bank
Georgetown Branch
3795 Georgetown Road Cleveland TN
FirstBank
Firstbank Branch
4160 North Ocoee Street, Suite 5 Cleveland TN
FSNB, National Association
Fsnb - Athens Branch
1815 Decatur Pike Athens TN
Bank of Cleveland
25th Street Branch
1400 25th Street, N.W. Cleveland TN
Builtwell Bank
Ocoee Branch
137 Ushy 64 Ocoee TN
Pinnacle Bank
Cleveland Location Branch
10 Church Street Cleveland TN
SouthEast Bank
Cleveland Branch
3475 Keith Street Nw Cleveland TN
Peoples Bank of East Tennessee
Niota Branch
9 West Willson Street Niota TN
SouthEast Bank
Cleveland Branch
3475 Keith Street Nw Cleveland TN
Regions Bank
Georgetown Tn Branch
8405 Highway 60 Georgetown TN
Regions Bank
Georgetown Tn Branch
8405 Highway 60 Georgetown TN


BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

18 Month CDs - Branch Banks 2025

Banks offer a range of Certificates of Deposit (CD) with 18 month CDs being a popular term. An eighteen month CD obligates the holder to keep their money in the bank for eighteen months in return for a fixed rate of interest during that time period. All eighteen month bank CDs shown on BestCashCow are FDIC insured.

Eighteen month CDs can be opened in almost any bank branch as the are a mainstay of bank deposit products.

The advantages of an eighteen month CD are:

  • A slightly higher rate than 12 month CDs in return for leaving the money in the bank longer.
  • A fixed rate during the 18 month period.
  • FDIC insurance.
  • Convenience of opening and managing the CD at a local branch.

The disadvantages of an eighteen month branch CDs are:

  • Rates are generally lower than on the top online savings and CD accounts.
  • Money is tied up for 18 months. Removing it early results in significant penalties.
  • Opening in a branch requires a personal visit.

All banks listed on BestCashCow are FDIC insured; BestCashCow.com strongly recommends that you stay within FDIC insurance limits and that if you are unsure of how the limits affect you, please visit the FDIC website.

To understand all of the income generating options available to a saver, please view the Income Generating Investments Comparison Chart.

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