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Image Courtesy: www.pixabay.com
You are viewing rates from banks across Athens
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.
Athens, TN - August 2, 2025
4 Year CD National Average : 0.82% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.15% |
$10,000 |
- |
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Early Withdrawal Penalty is 365 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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4.05% |
$25,000 |
- |
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Warning: Early Withdrawal Penalty is 2% of the account balance. |
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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 |
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2.75% |
$500 |
- |
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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% |
$5,000 |
- |
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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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0.75% |
$10,000 |
23.66 |
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0.65% |
$10,000 |
21.18 |
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0.65% |
$10,000 |
6.31 |
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0.60% |
$10,000 |
23.75 |
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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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0.60% |
$500 |
12.83 |
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0.50% |
$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 |
22.24 |
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0.35% |
$100,000 |
23.12 |
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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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0.30% |
$10,000 |
23.12 |
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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% |
$10,000 |
- |
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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 |
22.30 |
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GOb | Dec 18, 2023 They will not cash savings bonds for non-account holders Read More |
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0.20% |
$1,000 |
- |
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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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0.10% |
$1,000 |
23.71 |
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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 |
20.26 |
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Rate History: 0.03% → 0.05% |
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| Branch | Street | City | State |
|---|---|---|---|
|
Andrew Johnson Bank Andrew Johnson Bank Lpo Branch |
217 Broad Street, Nw | Cleveland | TN |
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FirstBank Firstbank Branch |
4160 North Ocoee Street, Suite 5 | Cleveland | TN |
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Peoples Bank of East Tennessee Niota Branch |
9 West Willson Street | Niota | TN |
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Pinnacle Bank Cleveland Location Branch |
10 Church Street | Cleveland | TN |
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Volunteer Federal Savings Bank Sweetwater Hwy 68 Branch |
906 New Highway 68 | Sweetwater | TN |
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Bank of Cleveland 25th Street Branch |
1400 25th Street, N.W. | Cleveland | TN |
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SouthEast Bank Cleveland Branch |
3475 Keith Street Nw | Cleveland | TN |
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SouthEast Bank Cleveland Branch |
3475 Keith Street Nw | Cleveland | TN |
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Builtwell Bank Ocoee Branch |
137 Ushy 64 | Ocoee | TN |
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First Horizon Bank Keith Street Branch |
100 Keith Street | Cleveland | TN |
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Regions Bank Georgetown Tn Branch |
8405 Highway 60 | Georgetown | TN |
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Regions Bank Georgetown Tn Branch |
8405 Highway 60 | Georgetown | TN |
BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
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.
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.
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.
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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