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You are viewing rates from banks across Sparta
Below are two-year Certificates of Deposit (CD) rates from banks in Sparta, 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.
Sparta, TN - July 17, 2025
2 Year CD National Average : 0.66% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.15% |
$10,000 |
- |
Learn More
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Early Withdrawal Penalty is 270 days interest. |
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Neil | 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 |
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4.00% |
$2,500 |
- |
Learn More
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Rate History: 4.50% → 4.20% → 4.05% → 3.75% → 4.00% |
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HAL1975 | 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 |
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4.00% |
$25,000 |
- |
Learn More
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Rate History: 4.34% → 4.00% → 4.00% → 4.21% → 4.00% |
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79Thru | Mar 21, 2023 Parent seems to be owned by a large Chilean bank. Not saying this is good or bad, but it is complication, especially in the current environment. Read More |
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3.50% |
$0 |
- |
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Rate History: 4.20% → 4.50% → 4.00% → 3.70% → 3.50% |
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NS123 | Mar 15, 2023 Thank you for the reviews above. I was wondering why I was only getting 0.3% when interest rates have gone up. Why CapitalOne360 is putting loyal and long time customers at a disadvantage is beyond me. ... Read More |
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3.50% |
$5,000 |
- |
Learn More
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james | Nov 18, 2023 bad bank hold your deposit over months without credit in your account, no interest, they don’t want pay you interest , they want your money with 0% interest. Read More |
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3.50% |
$500 |
- |
Learn More
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Rate History: 3.50% → 3.50% → 3.75% → 3.50% |
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Jim S | Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More |
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2.75% |
$0 |
- |
Learn More
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Early Withdrawal Penalty is 180 days interest. |
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Jenny Kingston | Jun 10, 2024 I guess customer service is in the US (not sure). I'd rather that someone in the Philippines answered though. These people are so poorly trained and ill informed that I do not trust them with my personal... Read More |
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1.00% |
$10,000 |
24.49 |
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1.00% |
$100,000 |
14.85 |
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0.85% |
$10,000 |
24.29 |
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0.75% |
$10,000 |
17.77 |
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user | Aug 6, 2021 Can take days to set up internet banking. They won't fax anything for you. Not a customer oriented bank as they claim. Read More |
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0.75% |
$10,000 |
14.85 |
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0.65% |
$10,000 |
19.21 |
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0.60% |
$1,000 |
14.85 |
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0.50% |
$10,000 |
14.47 |
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0.50% |
$10,000 |
15.21 |
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0.45% |
$10,000 |
16.15 |
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0.40% |
$1,000 |
- |
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RTN1949 | 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 |
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0.40% |
$10,000 |
15.00 |
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0.35% |
$10,000 |
24.89 |
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0.25% |
$10,000 |
- |
Learn More
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UtahJazz1 | 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 |
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0.25% |
$1,000 |
15.15 |
Learn More
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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 |
14.85 |
Learn More
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0.25% |
$100,000 |
14.61 |
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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% |
$1,000 |
- |
Learn More
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wertlkgt | Mar 28, 2022 Vaporware. Was approved to open an account. I logged in on several different browsers with differing rendering codes--each time got nothing but 3 circles running left to right for up to a half hour when I ... Read More |
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0.20% |
$10,000 |
14.61 |
Learn More
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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 |
Learn More
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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 |
19.21 |
Learn More
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Rate History: 0.03% → 0.05% |
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0.05% |
$500 |
24.48 |
Learn More
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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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| Branch | Street | City | State |
|---|---|---|---|
|
Homeland Community Bank Homeland Community Bank Branch |
900 North Chancery Street | Mcminnville | TN |
|
Citizens Bank Cookeville Branch |
51 East Jackson Avenue | Cookeville | TN |
|
Security Federal Savings Bank of McMinnville Mcminnville Branch |
1017 Smithville Hwy | Mc Minnville | TN |
|
One Bank of Tennessee Baxter Branch |
404 Main Street | Baxter | TN |
|
Citizens Bank Cookeville Branch |
51 East Jackson Avenue | Cookeville | TN |
|
Citizens Bank of Lafayette Alexandria Branch |
100 North Public Square | Alexandria | TN |
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Citizens Bank Cookeville Branch |
51 East Jackson Avenue | Cookeville | TN |
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FirstBank Cookeville Branch |
851 South Willow Avenue | Cookeville | TN |
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Wilson Bank and Trust Cookeville Office Branch |
320 South Jefferson Avenue | Cookeville | TN |
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F&M Bank Cookeville Branch |
900 N. Washington Avenue | Cookeville | TN |
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First Freedom Bank Jackson Street Branch |
376 West Jackson Street | Cookeville | TN |
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Citizens Tri-County Bank Warren Branch |
101 West Main Street | Mcminnville | TN |
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Builtwell Bank Cookeville Branch |
351 South Willow Avenue | Cookeville | TN |
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First National Bank of Tennessee Cookeville Branch |
412 South Jefferson Avenue | Cookeville | TN |
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SouthEast Bank Cookeville Branch |
744 South Willow Avenue | Cookeville | TN |
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SouthEast Bank Cookeville Branch |
744 South Willow Avenue | Cookeville | TN |
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First Horizon Bank West Cookeville Branch |
389 West Jackson Street | Cookeville | TN |
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Regions Bank Smithville Branch |
120 S. Public Square | Smithville | TN |
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U.S. Bank National Association Mcminnville Branch |
601 North Chancery Street | Mcminnville | TN |
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Regions Bank Smithville Branch |
120 S. Public Square | Smithville | TN |
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.
Use or Change these Amounts And Rates