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Image Courtesy: www.pixabay.com
You are viewing rates from banks across Sparta
Below are three-year CD Rates from banks in Sparta, Tennessee. Three years is an intermediate term for CDs and as the term increases the yield will generally go up as well. Three year CDs are a popular component of many CD ladders and usually offer a good tradeoff between yield and how long you must keep the money locked in.
Sparta, TN - July 17, 2025
3 Year CD National Average : 0.75% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
|
1.15% |
$100,000 |
14.85 |
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|
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1.10% |
$10,000 |
24.49 |
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|
|
|
0.95% |
$10,000 |
24.29 |
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|
|
|
0.90% |
$10,000 |
14.85 |
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|
|
|
0.85% |
$1,000 |
- |
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|
|
|
0.75% |
$10,000 |
19.21 |
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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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|
0.65% |
$10,000 |
15.21 |
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|
|
|
0.55% |
$1,000 |
14.85 |
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|
|
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0.50% |
$10,000 |
14.47 |
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|
|
|
0.50% |
$10,000 |
16.15 |
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|
|
|
0.50% |
$10,000 |
15.00 |
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|
|
|
0.40% |
$10,000 |
24.89 |
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|
|
|
0.30% |
$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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0.25% |
$1,000 |
15.15 |
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|
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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 |
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|
|
|
0.25% |
$10,000 |
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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|
0.10% |
$500 |
24.48 |
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|
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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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|
0.10% |
$1,000 |
15.08 |
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|
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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 |
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|
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Rate History: 0.03% → 0.05% |
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| Branch | Street | City | State |
|---|---|---|---|
|
Citizens Bank Cookeville Branch |
51 East Jackson Avenue | Cookeville | TN |
|
Homeland Community Bank Homeland Community Bank Branch |
900 North Chancery Street | Mcminnville | TN |
|
Security Federal Savings Bank of McMinnville Mcminnville Branch |
1017 Smithville Hwy | Mc Minnville | TN |
|
Citizens Bank Cookeville Branch |
51 East Jackson Avenue | Cookeville | TN |
|
Citizens Bank of Lafayette Alexandria Branch |
100 North Public Square | Alexandria | TN |
|
One Bank of Tennessee Baxter Branch |
404 Main Street | Baxter | TN |
|
Wilson Bank and Trust Cookeville Office Branch |
320 South Jefferson Avenue | Cookeville | TN |
|
Citizens Bank Cookeville Branch |
51 East Jackson Avenue | Cookeville | TN |
|
FirstBank Cookeville Branch |
851 South Willow Avenue | Cookeville | TN |
|
F&M Bank Cookeville Branch |
900 N. Washington Avenue | Cookeville | TN |
|
First Freedom Bank Jackson Street Branch |
376 West Jackson Street | Cookeville | TN |
|
Citizens Tri-County Bank Warren Branch |
101 West Main Street | Mcminnville | TN |
|
SouthEast Bank Cookeville Branch |
744 South Willow Avenue | Cookeville | TN |
|
Builtwell Bank Cookeville Branch |
351 South Willow Avenue | Cookeville | TN |
|
First National Bank of Tennessee Cookeville Branch |
412 South Jefferson Avenue | Cookeville | TN |
|
SouthEast Bank Cookeville Branch |
744 South Willow Avenue | Cookeville | TN |
|
U.S. Bank National Association Mcminnville Branch |
601 North Chancery Street | Mcminnville | TN |
|
First Horizon Bank West Cookeville Branch |
389 West Jackson Street | Cookeville | TN |
|
Regions Bank Smithville Branch |
120 S. Public Square | Smithville | TN |
|
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.
A three year CD is an intermediate CD, sandwiched between the popular one and five year CD terms. Three year CD generally offer between .30 and .60 percentage points more than a 1 year CD. Currently, their average yield is comparable to the average yield of an online savings account Online savings accounts allow consumers to withdraw money at any time so consumers should consider whether they want to lock their money into a CD when there is little premium versus an online account.
The top 3 year CD rates, as listed on the rate table above, are significantly higher than online or offline savings account rates.
Another factor to consider when opening a 3 year CD is the rate environment. If interest rates are rising, it may not be advisable to lock money away for three years when rates will soon be higher. If rates are falling, and may do so for some time (as they did from 2008 through 2013), then it may make sense to open a 3, 4 or 5 year CD to lock into a higher rate before it drops. To get a sense of where rates might go, check out the BestCashCow rate analysis page.
While conventional wisdom holds that online banks always offer higher rates than branch-based banks, an analysis conducted by BestCashCow in 2012 showed that with longer term CDs (3 years or longer), small community based banks and credit unions can often be just as competitive or not more so. If you prefer to bank in person, then it is possible to get branch service and a high CD rate if you shop around a bit. The tables at the top of this page can provide you the best rates in your area.
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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