Best 4-Year CD Rates in Tennessee, TN

You are viewing rates from banks across Tennessee

Below are four-year CD Rates from banks in Tennessee . Four-Year Certificates of Deposit (CD) are not as popular as the three and five year terms which means the rates often aren’t as competitive. The best four year cd rates are often only marginally above the 3 year rates. Nevertheless, for those who want to lock in a rate for a longer period of time, 4 year cds are worth a look.

TN - August 15, 2025

4 Year CD National Average : 0.82% ^?

Banks	APY	MIN	MILES ^?
Popular Direct	4.15%	$10,000	-	Learn More Add Review
Early Withdrawal Penalty is 365 days interest. Rate History: 4.15% → 4.05% → 4.00% → 3.90% → 4.15%
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
Bread Savings, a division of Bread Financial	4.00%	$1,500	-	Learn More Add Review
Early withdrawal penalty is 365 days interest. Rate History: 3.90% → 3.80% → 3.50% → 3.90% → 4.00%
m abram \| Jul 4, 2025 Bread's current 6-month CD is 4.45%, not 4.35%. Read More
Prime Alliance Bank	4.00%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 4.00% → 3.75% → 3.50% → 3.75% → 4.00%
JBaker65 \| May 6, 2023 Fully functional bank account that would be great for my needs, but the quarterly interest payment thing is a real nuisance. I wish they would change it. It isn't market. Read More Reviews (10)
First Internet Bank of Indiana	3.97%	$1,000	-	Learn More
Early Withdrawal Penalty is 360 days interest. Rate History: 4.00% → 4.03% → 3.62% → 3.60% → 3.97%
Beenthere \| Jan 30, 2024 Have an IRA rollover, they don't take IRAs any longer. Read More Reviews (2)
Merrick Bank	3.90%	$25,000	-	Learn More
Warning: Early Withdrawal Penalty is 2% of the account balance. Rate History: 4.10% → 4.00% → 3.85% → 4.05% → 3.90%
Frank M \| Jul 3, 2023 A 2% early withdrawal fee on a 1-year CD is almost equally insane as a 270 day one. Read More Reviews (2)
Goldman Sachs Bank	3.75%	$500	-	Learn More Add Review
Rate History: 4.05% → 4.00% → 3.85% → 3.60% → 3.75%
A Terkowitz \| Feb 15, 2024 best bank on the list but no longer the most competitive Read More
M.Y. Safra Bank	3.75%	$500	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 3.00% → 4.00%
Richard \| Jul 1, 2022 Very easy opening process and wonderful staff. Read More Reviews (6)
Transportation Alliance Bank, Inc. d/b/a TAB Bank	3.75%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.05% → 3.85% → 3.40% → 3.86% → 3.75%
Yat 1965 \| Mar 19, 2022 Problem with ties to puppy mills. I closed a cct. https://www.americanbanker.com/news/tab-bank-dragged-into-seedy-world-of-puppy-mill-loans-by-fintech-partner Read More Reviews (8)
Seattle Bank	3.70%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.55% → 4.20% → 4.05% → 3.80% → 3.70%
Rob H. \| Nov 21, 2023 A real pain in the *** process to try and get approved! They were unable to match my drivers license photo with my live image after several times trying! Went to limelight bank instead and got approved in ... Read More Reviews (2)
Virtualbank, a division of First Horizon Bank	3.67%	$10,000	-	Learn More Add Review
Warning: Early withdrawal penalty is 2% of principal
Hello VirtualBank? \| Dec 22, 2018 I know VirtualBank has monitored these comments in the past and answered here. This is important because they do not respond to questions submitted through the website. I am trying to find out the pena... Read More
American Express Bank, FSB	3.60%	$0	-	Learn More Add Review
Rate History: 3.00% → 3.60%
Chris \| Aug 31, 2022 never had a problem moving money in/out. After trying a couple banks with higher rates but less service will be moving my money back here. Read More
Discover Bank	3.50%	$2,500	-	Learn More Add Review
Rate History: 3.75% → 4.25% → 3.75% → 3.40% → 3.50%
AVOID_ READ_CAREFULLY \| Jan 10, 2024 AVOID at all costs. We read the addendum to the final page of the LENGTHY account agreement mailed to us after completing the online portion. Guess what? It gives this sweet seeming Discover Bank access to... Read More
TIAA Bank / Everbank	3.50%	$1,000	-	Learn More Add Review
Rate History: 4.00% → 3.90% → 3.70% → 3.45% → 3.50%
smithy1968 \| Mar 20, 2025 A non-customer-friendly organization that just switches between two contaminated brands trying to bring back some sort of goodwill that it had before it started selling fake foreign currency CDs in 2006 an... Read More
Ally Bank	3.50%	$0	-	Learn More Add Review
Rate History: 4.00% → 3.75% → 3.50% → 3.40% → 3.50%
Rad \| Aug 13, 2023 Been a customer for a couple of years now with interesting checking, been a happy customer. They give you a $10 reimbursement on atm fees per statement cycle. They pay you to leave your money there curre... Read More
Synchrony Bank	3.50%	$0	-	Learn More Add Review
Rate History: 4.00% → 3.90% → 3.90% → 3.50%
mcriss \| Oct 23, 2023 Synchrony Bank recently closed 3 of my accounts with them and this decision was completely unwarranted. I had two Guitar Center cards and one Levin Furniture card. I found out about this through a push not... Read More
Capital One 360	3.50%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 6 months interest. Rate History: 4.05% → 3.95% → 3.75% → 3.55% → 3.50%
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
Capital One, National Association	3.50%	$0	-	Learn More
Rate History: 4.05% → 3.95% → 3.75% → 3.55% → 3.50%
highstream \| Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More Reviews (14)
Northern Bank Direct	3.50%	$500	-	Learn More Add Review
Rate History: 4.00% → 3.75% → 3.50%
Mike Brown \| Jul 6, 2023 This is an example of a bad bank. Their online process for purchasing a CD is horrible. You fill it out and it rejects it after all of your private information is disclosed. They there customer service is ... Read More
Gateway First Bank	3.40%	$500	-	Learn More
Rate History: 3.00% → 3.40%
JohnC \| Oct 11, 2020 You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More Reviews (3)
Barclays Bank Delaware	3.25%	$0	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 4.45% → 4.20% → 3.50% → 3.00% → 3.25%
LenaL \| May 2, 2022 Barclays is the worst. Transfer speeds even worse than Synchrony now. Service is worse than anything. Save yourself the trouble of getting sucked into rates that are sometimes competitive and choose anythi... Read More Reviews (33)
MainStreet Bank	3.00%	$500	-	Learn More Add Review
Early Withdrawal Penalty is 24 months interest. Rate History: 3.50% → 3.50% → 3.00% → 2.50% → 3.00%
ableBanking, a division of Northeast Bank	3.00%	$500	-	Learn More Add Review
Rate History: 0.20% → 4.40% → 4.05% → 3.00%
Dudley \| Apr 18, 2018 Worst experience of my life. Did not fund and gave $25 to my own charity. Read More
Vio Bank, A Division of MidFirst Bank	2.75%	$500	-	Learn More Add Review
Jim S \| Dec 21, 2023 Very easy to setup 6 month 5.35% CD from cornerstone account Read More
Citizens	2.75%	$5,000	-	Learn More Add Review
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
BMO Alto, a division of Bank of Montreal Harris	2.75%	$0	-	Learn More Add Review
Early Withdrawal Penalty is 180 days interest. Rate History: 4.00% → 3.90% → 3.80% → 3.50% → 2.75%
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
Citizens	2.75%	$5,000	-	Learn More
Rate History: 3.00% → 2.75%
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
Union Bank and Trust Company	2.27%	$1,000	-	Learn More
rick \| Nov 3, 2023 site does not update at all, totally wrong rates listed Read More Reviews (2)
Elizabethton Federal Savings Bank 404 South Shady Street Branch	2.15%	$500	-	Learn More Add Review
Citibank, National Association	2.00%	$0	-	Learn More
Azoic \| Feb 25, 2022 I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More Reviews (11)
Northfield Bank	2.00%	$0	-	Learn More Add Review
Rate History: 2.00% → 3.00% → 2.00%
Stella \| Apr 30, 2019 No issues. I feel confident using them. Read More
JPMorgan Chase Bank, National Association	2.00%	$10,000	-	Learn More
Rate History: 2.00% → 2.50% → 2.00%
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (18)
City National Bank Nashville Branch	1.51%	$10,000	-	Learn More Add Review
Rate History: 1.76% → 1.51%
USAA Federal Savings Bank	1.50%	$1,000	-	Learn More
Rate History: 2.50% → 1.50%
RYAN S \| Nov 28, 2022 While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More Reviews (2)
OneLocal Bank	1.50%	$1,000	-	Learn More Add Review
Rate History: 1.50% → 1.75% → 1.50%
USAA Federal Savings Bank	1.25%	$1,000	-	Learn More Add Review
Rate History: 2.50% → 1.25%
Azblondie007 \| Feb 24, 2020 I had been with USAA for 20 years. Had my checking, savings, auto and renters insurance and 2 credit cards with them. I work in the service industry and make a good portion of my income in cash tips. For 4... Read More
Union Bank Union Bank Branch	1.20%	$100,000	-	Learn More Add Review
Bank of Lincoln County Bank Of Lincoln County Branch	1.20%	$10,000	-	Learn More Add Review
Homeland Community Bank Homeland Community Bank Branch	1.20%	$10,000	-	Learn More Add Review
Lawrenceburg Federal Bank Lawrenceburg Federal Bank Branch	1.15%	$10,000	-	Learn More Add Review
Citizens Savings Bank and Trust Company Memphis Branch	1.11%	$10,000	-	Learn More Add Review
Union Bank Union Bank Branch	1.10%	$10,000	-	Learn More Add Review
First Commerce Bank Lewisburg Branch	1.10%	$10,000	-	Learn More Add Review
Bank of Gleason Mckenzie Branch	1.05%	$100,000	-	Learn More Add Review
TriStar Bank Tristar Bank Branch	1.05%	$10,000	-	Learn More Add Review
Heritage Community Bank Greeneville Branch	1.05%	$10,000	-	Learn More Add Review
Hingham Institution for Savings	1.00%	$1,000	-	Learn More Add Review
Hingham Savings	1.00%	$1,000	-	Learn More Add Review
TriStar Bank Tristar Bank Branch	1.00%	$100,000	-	Learn More Add Review
CedarStone Bank Cedarstone Bank Branch	1.00%	$100,000	-	Learn More Add Review
One Bank of Tennessee Jamestown Branch	1.00%	$10,000	-	Learn More
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 Reviews (1)
Civis Bank Civis Bank Branch	1.00%	$10,000	-	Learn More
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 Reviews (1)
Security Federal Savings Bank of McMinnville Manchester Hwy Branch	1.00%	$10,000	-	Learn More Add Review
Greeneville Federal Bank, FSB 903 Tusculum Boulevard Branch	1.00%	$10,000	-	Learn More Add Review
Bank of Gleason Mckenzie Branch	0.95%	$10,000	-	Learn More Add Review
Apex Bank American Patriot Bank Branch	0.95%	$10,000	-	Learn More
jenningsjerome56@gmail.com \| Aug 26, 2020 JeanJennings6 Read More Reviews (4)
Bank of Tennessee Pinecrest Branch	0.94%	$10,000	-	Learn More Add Review
First Century Bank Harrogate Branch	0.94%	$10,000	-	Learn More
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 Reviews (1)
Carroll Bank and Trust Mclemoresville Branch	0.90%	$10,000	-	Learn More Add Review
Wilson Bank and Trust Leeville 109 Branch	0.90%	$10,000	-	Learn More Add Review
Citizens Bank of Lafayette Alexandria Branch	0.90%	$10,000	-	Learn More Add Review
CedarStone Bank Cedarstone Bank Branch	0.90%	$10,000	-	Learn More Add Review
BankTennessee East Memphis Branch	0.90%	$10,000	-	Learn More
Burcalguy \| Nov 4, 2019 So convenient, the branch is right around the corner and the process (paper work) was minimal. I had some extra cash sitting in a very low interest rate savings account in another state that made sense to ... Read More Reviews (1)
The Bank of Jackson The Bank Of Jackson Branch	0.90%	$10,000	-	Learn More Add Review
Coffee County Bank Hillsboro Boulevard Branch	0.90%	$10,000	-	Learn More Add Review
Citizens Bank Gordonsville Branch	0.85%	$1,000	-	Learn More Add Review
Volunteer State Bank Gallatin Branch	0.85%	$10,000	-	Learn More Add Review
INSOUTH Bank Millington Branch	0.85%	$10,000	-	Learn More Add Review
First National Bank of Pulaski Industrial Park Branch	0.85%	$10,000	-	Learn More
Tim, In Pulaski TN \| Aug 10, 2022 1st National Bank of Tennessee is not, in my opinion, a mobile friendly bank. Be aware that they do not have a 1-800 number on their cards. So, if it happens to be a weekend and you're out of town trying... Read More Reviews (1)
United Cumberland Bank Huntsville Branch	0.81%	$10,000	-	Learn More Add Review
First Community Bank of East Tennessee First Community Bank Of East Tenness Branch	0.80%	$1,000	-	Learn More Add Review
Southern Bank of Tennessee Smyrna Branch	0.76%	$10,000	-	Learn More Add Review
First Farmers and Merchants Bank Loretto Branch	0.75%	$10,000	-	Learn More Add Review
Andrew Johnson Bank Cleveland Branch	0.75%	$10,000	-	Learn More Add Review
Independent Bank Germantown Branch	0.75%	$10,000	-	Learn More Add Review
CB&S Bank, Inc. Selmer Mulberry Branch	0.75%	$10,000	-	Learn More
Terry \| Jun 7, 2018 Fabulous bank Read More Reviews (1)
Community Bank West Church Street Branch	0.75%	$10,000	-	Learn More Add Review
Millennium Bank Millennium Bank Branch	0.75%	$10,000	-	Learn More Add Review
Tennessee State Bank Gatlinburg Branch	0.75%	$10,000	-	Learn More Add Review
ServisFirst Bank Nashville Branch	0.71%	$10,000	-	Learn More Add Review
First Community Bank Poeple's Community Branch	0.70%	$10,000	-	Learn More Add Review
Trustmark National Bank Rossville Branch	0.70%	$10,000	-	Learn More
trbf15 \| Nov 4, 2020 Transfer cds to checking. Trustmark Madison ok, Not, 6 figures deposit lost for 6 days they say due to scanner error. Then when we go to branch office mgr. all huffy tht error upset because of their mist... Read More Reviews (1)
Legends Bank Legends Bank Branch	0.70%	$10,000	-	Learn More Add Review
New Peoples Bank, Inc. Bloomingdale Office Branch	0.70%	$10,000	-	Learn More Add Review
Newport Federal Bank 345 Cosby Highway Branch	0.70%	$1,000	-	Learn More Add Review
Apex Bank American Patriot Bank Branch	0.67%	$100	-	Learn More
jenningsjerome56@gmail.com \| Aug 26, 2020 JeanJennings6 Read More Reviews (4)
FirstBank American City Bank Branch	0.65%	$10,000	-	Learn More Add Review
First Financial Bank, National Association	0.65%	$10,000	-	Learn More Add Review
Home Federal Bank of Tennessee Carter Branch	0.65%	$10,000	-	Learn More
Sam Love \| Sep 30, 2021 No Read More Reviews (2)
Citizens Bank Baum Drive Branch	0.65%	$1,000	-	Learn More Add Review
Heritage Bank & Trust Heritage Bank & Trust Branch	0.65%	$10,000	-	Learn More Add Review
Peoples Bank of East Tennessee Tellico Plains Branch	0.65%	$10,000	-	Learn More Add Review
Pinnacle Bank Knoxville Location Branch	0.60%	$10,000	-	Learn More
jchitt@comcast.nrt \| Mar 5, 2019 Pinnacle has not had a 3% CD since Oct of 2018. Read More Reviews (3)
First Freedom Bank Providence Parkway Branch	0.60%	$10,000	-	Learn More Add Review
Citizens National Bank Gatlinburg Branch	0.60%	$10,000	-	Learn More Add Review
Volunteer Federal Savings Bank Sweetwater Hwy 68 Branch	0.60%	$500	-	Learn More Add Review
Guaranty Bank and Trust Company	0.58%	$100,000	-	Learn More Add Review
Renasant Bank Poplar Avenue Branch	0.55%	$10,000	-	Learn More
rand \| Mar 25, 2019 CDs shown are not offered in Knoxville area Read More Reviews (1)
Guaranty Bank and Trust Company	0.53%	$10,000	-	Learn More Add Review
First Community Bank of the Heartland, Inc. Martin Banking Center Branch	0.52%	$500	-	Learn More Add Review
CIT Bank, a division of First-Citizens Bank and Trust	0.50%	$1,000	-	Learn More Add Review
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
Bank of Bartlett Houston Levee Branch	0.50%	$1,000	-	Learn More Add Review
TruPoint Bank Johnson City Branch	0.50%	$1,000	-	Learn More Add Review
F&M Bank Dover Branch	0.50%	$10,000	-	Learn More Add Review
Traditions First Bank Traditions First Bank Branch	0.50%	$10,000	-	Learn More Add Review
Planters Bank, Inc. Sango Branch	0.50%	$10,000	-	Learn More Add Review
The First Bank and Trust Company Gray Office Branch	0.50%	$10,000	-	Learn More Add Review
Community Bank of Mississippi Memphis Branch	0.50%	$10,000	-	Learn More Add Review
CBBC Bank Townsend Branch	0.50%	$10,000	-	Learn More Add Review
Mountain Commerce Bank Unicoi Branch	0.50%	$10,000	-	Learn More Add Review
UBank Ubank Branch	0.45%	$10,000	-	Learn More Add Review
Citizens Tri-County Bank Decherd Branch	0.45%	$10,000	-	Learn More Add Review
Bank of Cleveland Bank Of Cleveland Branch	0.40%	$10,000	-	Learn More Add Review
First National Bank of Tennessee Fairfield Glade Branch	0.35%	$10,000	-	Learn More Add Review
SouthEast Bank Ooltewah Branch	0.35%	$100,000	-	Learn More
Julian \| Aug 5, 2019 Wonderful new experience both in their personnel and their policies. A fresh approach to personal banking! Read More Reviews (2)
First Community Bank Poeple's Community Branch	0.31%	$10,000	-	Learn More Add Review
SouthEast Bank Ooltewah Branch	0.30%	$10,000	-	Learn More
Julian \| Aug 5, 2019 Wonderful new experience both in their personnel and their policies. A fresh approach to personal banking! Read More Reviews (2)
Purepoint MUFG Union	0.25%	$10,000	-	Learn More Add Review
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
First Volunteer Bank First Volunteer Bank Branch	0.25%	$1,000	-	Learn More
GOb \| Dec 18, 2023 They will not cash savings bonds for non-account holders Read More Reviews (5)
Renasant Bank Poplar Avenue Branch	0.25%	$10,000	-	Learn More
rand \| Mar 25, 2019 CDs shown are not offered in Knoxville area Read More Reviews (1)
Paragon Bank Saddle Creek Banking Center Branch	0.25%	$10,000	-	Learn More Add Review
First Community Bank Poeple's Community Branch	0.21%	$10,000	-	Learn More Add Review
Axos Bank, a division of Bofi Federal Bank	0.20%	$1,000	-	Learn More Add Review
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
First Federal Bank Clarksville Main Br Branch	0.20%	$10,000	-	Learn More
? \| Dec 5, 2018 This bank is telling me that an IRA CD is only 0.90% Read More Reviews (1)
OneWest Bank, a division of First-Citizens Bank and Trust	0.15%	$500	-	Learn More Add Review
First-Citizens Bank & Trust Company Royal Oaks Branch	0.15%	$500	-	Learn More
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 Reviews (3)
Mountain Valley Bank Monteagle Branch	0.15%	$10,000	-	Learn More Add Review
U.S. Bank National Association Cookeville Jackson Branch	0.15%	$500	-	Learn More
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 Reviews (2)
First Horizon Bank Cool Springs Branch	0.10%	$1,000	-	Learn More
D R Lineberger \| Dec 30, 2018 Garden14 Read More Reviews (1)
Regions Bank Nashville Tn Main Branch	0.05% 0.01%	$2,501 $2,500	-	Learn More Add Review
Rate History: 0.03% → 0.05%
KeyBank National Association	0.05%	$2,500	-	Learn More
Rate History: 0.03% → 0.05%
Seeko \| Mar 28, 2023 On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More Reviews (2)
PNC Bank, National Association	0.03%	$25,000	-	Learn More
GAM \| May 18, 2019 Had checking and savings for years when living in Philly. Went into PNC 2.35 APY high yield savings. They have thus far maintained rate. Easy web site and great customer phone service. Still maintain check... Read More Reviews (1)
Bank of America, National Association Madison Branch	0.03%	$100,000	-	Learn More
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 Reviews (7)
Fifth Third Bank, National Association Walker Springs Branch	0.01%	$500	-	Learn More
Juan Ricardo \| Nov 12, 2018 Helpful w/$ Read More Reviews (5)

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 zip 10116

Branch	Street	City	State
Elizabethton Federal Savings Bank 404 South Shady Street Branch	404 South Shadt Street	Mountain City	TN
City National Bank Nashville Branch	54 Music Square East, Suite 100	Nashville	TN
Union Bank Union Bank Branch	8500 Highway 111, Suite 200	Byrdstown	TN
Bank of Lincoln County Bank Of Lincoln County Branch	307 East College Street	Fayetteville	TN
Homeland Community Bank Homeland Community Bank Branch	900 North Chancery Street	Mcminnville	TN
Lawrenceburg Federal Bank Lawrenceburg Federal Bank Branch	118 West Gaines Street	Lawrenceburg	TN
Citizens Savings Bank and Trust Company Memphis Branch	7444 Winchester Road, Suite 105	Memphis	TN
Union Bank Union Bank Branch	8500 Highway 111, Suite 200	Byrdstown	TN
First Commerce Bank Lewisburg Branch	701 Cornersville Road	Lewisburg	TN
Bank of Gleason Mckenzie Branch	15865 North Highland Drive	Mckenzie	TN
TriStar Bank Tristar Bank Branch	719 East College Street	Dickson	TN
Heritage Community Bank Greeneville Branch	3626 East Andrew Johnson Highway	Greeneville	TN
TriStar Bank Tristar Bank Branch	719 East College Street	Dickson	TN
CedarStone Bank Cedarstone Bank Branch	900 West Main Street	Lebanon	TN
One Bank of Tennessee Jamestown Branch	416 East Central Avenue	Jamestown	TN
Thread Bank Civis Bank Branch	210 East Main Street	Rogersville	TN
Security Federal Savings Bank of McMinnville Manchester Hwy Branch	5839 Manchester Hwy	Morrison	TN
Greeneville Federal Bank, FSB 903 Tusculum Boulevard Branch	903 Tusculum Boulevard	Greeneville	TN
Bank of Gleason Mckenzie Branch	15865 North Highland Drive	Mckenzie	TN
Apex Bank American Patriot Bank Branch	3095 East Andrew Johnson Highway	Greeneville	TN
Bank of Tennessee Pinecrest Branch	Milligan Road	Johnson City	TN
First Century Bank Harrogate Branch	6946 Cumberland Gap Parkway	Harrogate	TN
Carroll Bank and Trust Mclemoresville Branch	5626 Main Street	Mc Lemoresville	TN
Wilson Bank and Trust Leeville 109 Branch	440 Highway 109n	Lebanon	TN
Citizens Bank of Lafayette Alexandria Branch	100 North Public Square	Alexandria	TN
CedarStone Bank Cedarstone Bank Branch	900 West Main Street	Lebanon	TN
BankTennessee East Memphis Branch	5540 Poplar Ave	Memphis	TN
The Bank of Jackson The Bank Of Jackson Branch	558 Carriage House Drive	Jackson	TN
Coffee County Bank Hillsboro Boulevard Branch	301 Hillsboro Boulevard	Manchester	TN
Citizens Bank Gordonsville Branch	530 Gordonsville Highway	Gordonsville	TN
Volunteer Bank Gallatin Branch	554 West Main Street	Gallatin	TN
INSOUTH Bank Millington Branch	7696 Highway 51 North	Millington	TN
First National Bank of Pulaski Industrial Park Branch	Bennett Drive	Pulaski	TN
United Cumberland Bank Huntsville Branch	567 Howard H. Baker Highway	Huntsville	TN
First Community Bank of East Tennessee First Community Bank Of East Tenness Branch	809 West Main Street	Rogersville	TN
Southern Bank of Tennessee Smyrna Branch	403 S Lowry St	Smyrna	TN
First Farmers and Merchants Bank Loretto Branch	U.S. Highway 43	Loretto	TN
Andrew Johnson Bank Cleveland Branch	555 North Ocoee Street	Cleveland	TN
Independent Bank Germantown Branch	7635 Poplar Avenue	Germantown	TN
CB&S Bank, Inc. Selmer Mulberry Branch	731 Mulberry Avenue	Selmer	TN
Community Bank West Church Street Branch	605 West Church Street	Lexington	TN
Millennium Bank Millennium Bank Branch	6392 Artesian Circle	Ooltewah	TN
Tennessee State Bank Gatlinburg Branch	414 East Parkway	Gatlinburg	TN
ServisFirst Bank Nashville Branch	1801 West End Avenue	Nashville	TN
First Community Bank Poeple's Community Branch	300 Sunset Drive	Johnson City	TN
Trustmark National Bank Rossville Branch	70 Front Street	Rossville	TN
Legends Bank Legends Bank Branch	310 First Street	Clarksville	TN
New Peoples Bank, Inc. Bloomingdale Office Branch	2600 N. John B. Dennis Hwy	Kingsport	TN
Newport Federal Bank 345 Cosby Highway Branch	345 Cosby Highway	Newport	TN
Apex Bank American Patriot Bank Branch	3095 East Andrew Johnson Highway	Greeneville	TN
FirstBank American City Bank Branch	340 West Lincoln Street	Tullahoma	TN
Home Federal Bank of Tennessee Carter Branch	7600 Asheville Highway	Knoxville	TN
Citizens Bank Baum Drive Branch	6771 Baum Drive	Knoxville	TN
Heritage Bank & Trust Heritage Bank & Trust Branch	845 Nashville Highway	Columbia	TN
Peoples Bank of East Tennessee Tellico Plains Branch	9186 New Highway 68	Tellico Plains	TN
Pinnacle Bank Knoxville Location Branch	551 W. Main St.	Knoxville	TN
First Freedom Bank Providence Parkway Branch	Providence Pkwy	Mount Juliet	TN
Citizens National Bank Gatlinburg Branch	906 E Pkwy	Gatlinburg	TN
Volunteer Federal Savings Bank Sweetwater Hwy 68 Branch	906 New Highway 68	Sweetwater	TN
Renasant Bank Poplar Avenue Branch	5264 Poplar Avenue	Memphis	TN
First Community Bank of the Heartland, Inc. Martin Banking Center Branch	5475 Skyhawk Parkway	Martin	TN
Bank of Bartlett Houston Levee Branch	9915 Highway 64	Arlington	TN
TruPoint Bank Johnson City Branch	709 Medtech Pkwy	Johnson City	TN
F&M Bank Dover Branch	One Donelson Parkway	Dover	TN
Traditions First Bank Traditions First Bank Branch	5745 East Main Street	Erin	TN
Planters Bank, Inc. Sango Branch	895 Highway 76	Clarksville	TN
The First Bank and Trust Company Gray Office Branch	2100 Forest Drive	Gray	TN
Community Bank of Mississippi Memphis Branch	6465 North Quail Hollow Road	Memphis	TN
CBBC Bank Townsend Branch	7729 East Lamar Alexander Parkway	Townsend	TN
Mountain Commerce Bank Unicoi Branch	4200 Unicoi Drive	Unicoi	TN
UBank Ubank Branch	1075 Fifth Street	Jellico	TN
Citizens Tri-County Bank Decherd Branch	2030 Decherd Boulevard	Decherd	TN
Bank of Cleveland Bank Of Cleveland Branch	75 Bobby Taylor Avenue	Cleveland	TN
First National Bank of Tennessee Fairfield Glade Branch	5011 Peavine Rd	Crossville	TN
SouthEast Bank Ooltewah Branch	9218 Lee Highway	Ooltewah	TN
First Community Bank Poeple's Community Branch	300 Sunset Drive	Johnson City	TN
SouthEast Bank Ooltewah Branch	9218 Lee Highway	Ooltewah	TN
Builtwell Bank First Volunteer Bank Branch	728 Broad Street	Chattanooga	TN
Renasant Bank Poplar Avenue Branch	5264 Poplar Avenue	Memphis	TN
Paragon Bank Saddle Creek Banking Center Branch	7600 Poplar Avenue	Germantown	TN
First Community Bank Poeple's Community Branch	300 Sunset Drive	Johnson City	TN
First Federal Bank Clarksville Main Br Branch	502 Madison St	Clarksville	TN
First-Citizens Bank & Trust Company Royal Oaks Branch	228 South Royal Oaks Boulevard	Franklin	TN
Mountain Valley Bank Monteagle Branch	P. O. Box 1329	Monteagle	TN
U.S. Bank National Association Cookeville Jackson Branch	Two West Jackson Street	Cookeville	TN
First Horizon Bank Cool Springs Branch	9200 Carothers Parkway	Franklin	TN
Regions Bank Nashville Tn Main Branch	One Nashville Place 150 4th Avenue N	Nashville	TN
Bank of America, National Association Madison Branch	969 Gallatin Pike S	Madison	TN
Regions Bank Nashville Tn Main Branch	One Nashville Place 150 4th Avenue N	Nashville	TN
Fifth Third Bank, National Association Walker Springs Branch	8331 East Walker Springs Lane	Knoxville	TN

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PRODUCT INFORMATION

Four Year CDs - Branch Banks 2025

Four year CDs are a longer-term CD and offer a fixed rate for 4 years in return for a commitment to keep the money in the bank for this period of time. While savers can withdraw the money (termed "breaking the CD") high penalties make this undesirable. Generally, an individual should not invest in a four year CD unless they are comfortable parting with the money for this period of time.

Safety

Four year CDs from FDIC insured banks are insured up to FDIC limits (generally $250,000 per account holder per bank). If your deposit is over the FDIC limit then you may not receive the uninsured money in case of a bank failure. For this who remain within FDIC limits, the principal threat is inflation. The value of longer-term CDs are especially prone to be eaten away by inflation, especially if the CD is opened in a rising rate environment.

Interest

Four year CDs currently pay between .40-.60 percentage points more in interest than a one year CD. In general, CDs of this duration are best opened as part of a laddered CD portfolio or if the depositor thinks that rates will either stagnate or drop over the next couple of years. To get a sense of rate trends, please visit our BestCashCow rate analysis page.

ADVANTAGES AND DISADVANTAGES OF FOUR YEAR CDs

Advantages of four year CDs

4 year CDs provide a fixed rate for the term of the CD
The rate is higher than a savings account or a 1 year CD to compensate for the longer term.
Branch-opened CDs can be done quickly in one day.

Disadvantages of four year CDs

The saver's money is locked away for four years unless they want to break the CD and pay a penalty.
In a rising rate environment, inflation will reduce the value of the money in the CD over time.
Branch CDs require the saver to visit a branch and be subjected to cross-sell pitches and other marketing tactics.

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.

SAVINGS & CD CALCULATOR

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PRODUCT INFORMATION

Four Year CDs - Branch Banks 2025

Safety

Interest

ADVANTAGES AND DISADVANTAGES OF FOUR YEAR CDs

Advantages of four year CDs

Disadvantages of four year CDs

SAVINGS & CD CALCULATOR

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