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Image Courtesy: www.pixabay.com
You are viewing rates from banks across Oak Ridge
Below are two-year Certificates of Deposit (CD) rates from banks in Oak Ridge, Tennessee. Two year CDs generally offer a higher rate than 1 year CDs but require a longer commitment. Depending on the economy, longer term CDs may or may not offer more premium as the term increases. If you expect rates on bank products to drop, can afford to lock the money away, and feel you are receiving enough premium for the time commitment, then longer-term CDs may be appropriate.
Oak Ridge, TN - July 16, 2025
2 Year CD National Average : 0.66% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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3.00% 0.01% |
$5,000 $500 |
12.38 |
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Rate History: 5.00% → 4.00% → 3.50% → 2.00% → 3.00% |
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Juan Ricardo | Nov 12, 2018 Helpful w/$ Read More |
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0.85% |
$100,000 |
13.70 |
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0.74% |
$10,000 |
10.38 |
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0.64% |
$10,000 |
15.07 |
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Rand | Mar 1, 2021 And yet again. Two more CD rates offered on this date only on this site not by the bank. Read More |
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0.60% |
$10,000 |
18.77 |
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Linda Hutson | Jan 27, 2022 I closed account today, due to bank closing. I was slow on thinking, I was charged $5 per account for Cashier's Checks. I should of been offered cash with no charge. My feelings is I should have been give... Read More |
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0.60% |
$10,000 |
13.70 |
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0.55% |
$10,000 |
24.22 |
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0.55% |
$10,000 |
1.33 |
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0.55% |
$10,000 |
8.54 |
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0.55% |
$10,000 |
10.76 |
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0.50% |
$10,000 |
9.61 |
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0.50% |
$10,000 |
2.20 |
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Sam Love | Sep 30, 2021 No Read More |
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0.50% |
$1,000 |
11.73 |
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0.50% |
$10,000 |
24.20 |
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0.45% |
$10,000 |
22.76 |
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rand | Mar 25, 2019 CDs shown are not offered in Knoxville area Read More |
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0.40% |
$10,000 |
9.93 |
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0.35% |
$10,000 |
9.59 |
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jchitt@comcast.nrt | Mar 5, 2019 Pinnacle has not had a 3% CD since Oct of 2018. Read More |
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0.30% |
$10,000 |
23.98 |
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0.30% |
$10,000 |
19.51 |
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0.25% |
$1,000 |
23.93 |
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GOb | Dec 18, 2023 They will not cash savings bonds for non-account holders Read More |
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0.25% |
$10,000 |
22.76 |
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rand | Mar 25, 2019 CDs shown are not offered in Knoxville area Read More |
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0.25% |
$100,000 |
18.27 |
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Julian | Aug 5, 2019 Wonderful new experience both in their personnel and their policies. A fresh approach to personal banking! Read More |
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0.20% |
$10,000 |
18.27 |
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Julian | Aug 5, 2019 Wonderful new experience both in their personnel and their policies. A fresh approach to personal banking! Read More |
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0.10% |
$1,000 |
15.08 |
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D R Lineberger | Dec 30, 2018 Garden14 Read More |
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0.05% 0.01% |
$2,501 $2,500 |
19.05 |
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Rate History: 0.03% → 0.05% |
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0.05% |
$500 |
9.66 |
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MrBond | 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 |
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0.05% |
$500 |
15.23 |
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Ugg | 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 |
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0.03% |
$100,000 |
1.60 |
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Treasure | Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More |
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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
Two year CDs, also know as 24 month CDs are an intermediate term product that commits a depositor to keeping their money in the bank for 24 months in return for a fixed rate of return during that period. All two year CDs shown on BestCashCow are FDIC insured.
While two year CDs commit a person to locking their money in for double the time of a 12 month CD, the rate is not double. As a result, a depositor should think about whether the extra rate is worth the extra time commitment.
In general, if rates are rising, it makes sense not to lock up money for an extended period of time.
If rates are falling, then it makes sense to put money into a longer-term instrument to lock-in a higher rate.
Many find opening CDs at local bank is often easier than online. In a branch, a depositor can sign CD documents and initiate a CD in person, and can often get it done faster than mailing a check or initiating a wire transfer in order to get their money to an online bank. Many also appreciate the opportunity to interact face to face with a real human being as opposed to by phone or instant messaging.
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.
Find out how much extra money you can earn by moving your bank money into an account that pays more.
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