Tennessee

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Johnson City, Tennessee CD Rates – 18-Month

You are viewing rates from banks across Johnson City





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

Johnson 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

3.17%

$500

2.27

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| 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

0.51%

$10,000

18.87

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0.50%

$1,000

23.22

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0.50%

$100,000

18.21

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0.50%

$10,000

13.54

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0.45%

$1,000

18.95

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0.45%

$10,000

6.12

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0.40%

$10,000

5.58

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0.40%

$10,000

18.21

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0.35%

$10,000

20.89

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| Mar 25, 2019

CDs shown are not offered in Knoxville area Read More

0.30%

$10,000

18.32

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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%

$1,000

3.13

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| Mar 25, 2019

CDs shown are not offered in Knoxville area Read More

0.18%

$10,000

5.58

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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

0.13%

$10,000

5.58

Learn More

Rate History: 0.10% → 0.02% → 0.10% → 0.02%

| Feb 25, 2023

I have been working for this company more than 5 years. I would not recommend any investment with First Citizens Bank. They are the worst performer on the market based on the customer and employee reviews... 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 Johnson City, TN - August 2, 2025


Branch Street City State
Elizabethton Federal Savings Bank
304 Sunset Drive Branch
304 Sunset Drive Johnson City TN
Bank of Tennessee
Bank Of Tennessee Courier Service Branch
301 East Center Street Kingsport TN
First Community Bank of East Tennessee
Church Hill Branch
441 Richmond Street Church Hill TN
New Peoples Bank, Inc.
Bloomingdale Office Branch
2600 N. John B. Dennis Hwy Kingsport TN
Mountain Commerce Bank
Mountain Commerce Bank Branch
6101 Kingston Pike Knoxville TN
Citizens Bank
Kingsport Branch
101 East Main Street Kingsport TN
Andrew Johnson Bank
Jonesborough Branch
1551 East Jackson Boulevard Jonesborough TN
First Community Bank
Boones Creek Branch
2681 Boones Creek Road Johnson City TN
New Peoples Bank, Inc.
Bloomingdale Office Branch
2600 N. John B. Dennis Hwy Kingsport TN
FSNB, National Association
Fsnb - Kingport Stone Drive Branch
2500 W. Stone Drive Kingsport TN
Renasant Bank
Renasant Bank Branch
1000 West Jackson Boulevard Jonesborough TN
The First Bank and Trust Company
Kingsport Branch
1108 East Stone Drive Kingsport TN
TruPoint Bank
Johnson City Branch
709 Medtech Pkwy Johnson City TN
Renasant Bank
Renasant Bank Branch
1000 West Jackson Boulevard Jonesborough TN
First Community Bank
Boones Creek Branch
2681 Boones Creek Road Johnson City TN
First Community Bank
Boones Creek Branch
2681 Boones Creek Road Johnson City TN
Regions Bank
Kingsport Central Branch
415 Broad Street Kingsport TN
First-Citizens Bank & Trust Company
Johnson City Main Office Branch
1067 Hamilton Place Johnson City TN
Regions Bank
Kingsport Central Branch
415 Broad Street Kingsport 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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