Tennessee

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Jefferson City, Tennessee CD Rates – 18-Month

You are viewing rates from banks across Jefferson City





Below are eighteen-month Certificates of Deposit (CD) rates from banks in Jefferson City, 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.

Jefferson City, TN - August 2, 2025

18 Month CD National Average : 0.58% ?

Banks APY MIN MILES ?

Warning: Early Withdrawal Penalty is 2% of the account balance.
Rate History: 4.35% → 4.20% → 4.15% → 4.05% → 4.20%

| Jul 3, 2023

A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More

| Sep 18, 2023

I agree with another user, this bank is very poorly put together, and may very well be an operation in large part used to extract and sell people's personal information. I called customer service and had ... Read More

Early Withdrawal Penalty is 270 days interest.
Rate History: 4.10% → 4.15% → 4.10% → 4.00% → 4.10%

| Dec 18, 2023

I submitted a CD application 18 months 5.50 APY over a week ago and my application was declined no reason was given, I have the funds in another bank for transfer, credit score over 800. I think the reason... Read More

Early Withdrawal Penalty is 90 days interest.
Rate History: 4.50% → 4.25% → 4.15% → 4.05% → 4.00%

| Jun 26, 2020

Rate not current Read More

Earty Withdrawal Penalty is 180 days interest.
Rate History: 4.75% → 4.50% → 4.35% → 3.85% → 3.80%

| Aug 2, 2023

Sallie mae is just a horrible institution. We've done business with them before and swore on the holy bible not to go near there again, but a 18 mos cd at 5.55% brought us back. Read More

Rate History: 4.00% → 3.95% → 4.00% → 3.95% → 3.80%

| Dec 21, 2023

Very easy to setup 6 month 5.35% CD from cornerstone account Read More

| Jun 2, 2022

I've been a customer since CIT emerged from the financial crisis as a real competitor in this space (14 years or so). Zero complaints about anything over this time ... until today. Now they are offering a... Read More

0.75%

$10,000

12.14

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0.75%

$100,000

16.96

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0.60%

$10,000

23.61

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| Mar 1, 2021

And yet again. Two more CD rates offered on this date only on this site not by the bank. Read More

0.50%

$10,000

16.96

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0.45%

$10,000

12.15

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0.45%

$10,000

22.17

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0.40%

$1,000

18.15

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| Sep 30, 2021

No Read More

0.35%

$10,000

23.91

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| Jun 10, 2022

This bank hasn't raised their rates! Maybe I was sleeping but I need to get out of here fast. Read More

0.25%

$10,000

23.94

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| May 21, 2018

I wish I had never heard of or seen BBVA. It has been a disaster. Came to this site to find something else. Read More

| Jun 12, 2023

US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... 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 Jefferson City, TN - August 2, 2025


Branch Street City State
Citizens Bank and Trust Company of Grainger County
Blaine Branch
880 Rutledge Pike Blaine TN
First Peoples Bank of Tennessee
Strawberry Plains Branch
7500 Ashville Highway Knoxville TN
Citizens National Bank
South Knoxville Walmart Branch
7420 Chapman Highway Knoxville TN
First Century Bank
Maynardville Branch
2969 Maynardville Hwy Maynardville TN
First Peoples Bank of Tennessee
Strawberry Plains Branch
7500 Ashville Highway Knoxville TN
Andrew Johnson Bank
Morristown Branch
435 West First North Street Morristown TN
Tennessee State Bank
Seymour Branch
10727 Chapman Highway Seymour TN
Newport Federal Bank
Newport Federal Bank Branch
170 West Broadway Newport TN
Home Federal Bank of Tennessee
Carter Branch
7600 Asheville Highway Knoxville TN
First State Bank of the Southeast, Inc
New Tazewell Tn Branch
925 Main Street New Tazewell TN
Hearthside Bank Corporation
New Tazewell Branch
500 Fifth Avenue New Tazewell TN
U.S. Bank National Association
South Knoxville Food City Branch
7608 Mountain Grove Drive Knoxville TN
Regions Bank
Colonial Loan Association Branch
7412 Maynardville Highway Knoxville TN
Regions Bank
Colonial Loan Association Branch
7412 Maynardville Highway Knoxville 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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