Best 4-Year CD Rates in Ripley, Tennessee, TN

You are viewing rates from banks across Ripley

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.

Ripley, TN - July 8, 2025

4 Year CD National Average : 0.82% ^?

Banks	APY	MIN	MILES ^?
Elizabethton Federal Savings Bank Elizabethton Federal Savings Bank Branch	2.15%	$500	-	Learn More Add Review
City National Bank Nashville Branch	1.51%	$10,000	-	Learn More Add Review
Rate History: 1.76% → 1.51%
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 Citizens Savings Bank And Trust Comp 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 First Commerce Bank Branch	1.10%	$10,000	-	Learn More Add Review
Bank of Gleason Bank Of Gleason 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 Heritage Community Bank Branch	1.05%	$10,000	-	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 Bank Of Putnam County 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 Security Federal Savings Bank Of Mcm Branch	1.00%	$10,000	-	Learn More Add Review
Greeneville Federal Bank, FSB Greeneville Federal Bank, Fsb Branch	1.00%	$10,000	-	Learn More Add Review
Bank of Gleason Bank Of Gleason Branch	0.95%	$10,000	-	Learn More Add Review
Apex Bank First State Branch	0.95%	$10,000	-	Learn More
jenningsjerome56@gmail.com \| Aug 26, 2020 JeanJennings6 Read More Reviews (4)
Bank of Tennessee East Elk Branch	0.94%	$10,000	-	Learn More Add Review
First Century Bank First Century Bank 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 Carroll Bank And Trust Branch	0.90%	$10,000	-	Learn More Add Review
Wilson Bank and Trust Wilson Bank And Trust Branch	0.90%	$10,000	-	Learn More Add Review
Citizens Bank of Lafayette Carthage Branch	0.90%	$10,000	-	Learn More Add Review
CedarStone Bank Cedarstone Bank Branch	0.90%	$10,000	-	Learn More Add Review
BankTennessee Banktennessee 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 Coffee County Bank Branch	0.90%	$10,000	-	Learn More Add Review
Citizens Bank Citizens Bank Branch	0.85%	$1,000	-	Learn More Add Review
Volunteer State Bank Orlinda Branch	0.85%	$10,000	-	Learn More Add Review
INSOUTH Bank Insouth Bank Branch	0.85%	$10,000	-	Learn More Add Review
First National Bank of Pulaski First National Bank Of Pulaski 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 First Trust And Savings 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 Southern Bank Of Tennessee Branch	0.76%	$10,000	-	Learn More Add Review
First Farmers and Merchants Bank Lewisburg Branch	0.75%	$10,000	-	Learn More Add Review
Andrew Johnson Bank Andrew Johnson Bank Branch	0.75%	$10,000	-	Learn More Add Review
Independent Bank Independent Bank Branch	0.75%	$10,000	-	Learn More Add Review
CB&S Bank, Inc. Farmers Bank/Branch	0.75%	$10,000	-	Learn More
Terry \| Jun 7, 2018 Fabulous bank Read More Reviews (1)
Community Bank Community Bank 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 Tennessee State Bank 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 Somerville Main 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 Newport Federal Bank Branch	0.70%	$1,000	-	Learn More Add Review
Apex Bank First State Branch	0.67%	$100	-	Learn More
jenningsjerome56@gmail.com \| Aug 26, 2020 JeanJennings6 Read More Reviews (4)
FirstBank The Farmers Bank Of Lynchburg Branch	0.65%	$10,000	-	Learn More Add Review
Home Federal Bank of Tennessee Home Federal Bank Of Tennessee Branch	0.65%	$10,000	-	Learn More
Sam Love \| Sep 30, 2021 No Read More Reviews (2)
Citizens Bank Citizens Bank 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 Peoples Bank Of East Tennessee Branch	0.65%	$10,000	-	Learn More Add Review
Pinnacle Bank Pinnacle Bank 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 Jackson Bank & Trust Branch	0.60%	$10,000	-	Learn More Add Review
Citizens National Bank Citizens National Bank Branch	0.60%	$10,000	-	Learn More Add Review
Volunteer Federal Savings Bank Volunteer Federal Savings Bank Branch	0.60%	$500	-	Learn More Add Review
Renasant Bank Bells Branch	0.55%	$10,000	-	Learn More
rand \| Mar 25, 2019 CDs shown are not offered in Knoxville area Read More Reviews (1)
First Community Bank of the Heartland, Inc. Martin Banking Center Branch	0.52%	$500	-	Learn More Add Review
Bank of Bartlett Bank Of Bartlett 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 F&M Bank 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. Commerce Street Branch	0.50%	$10,000	-	Learn More Add Review
The First Bank and Trust Company Johnson City 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 Cbbc Bank Branch	0.50%	$10,000	-	Learn More Add Review
Mountain Commerce Bank Mountain Commerce Bank Branch	0.50%	$10,000	-	Learn More Add Review
UBank Ubank Branch	0.45%	$10,000	-	Learn More Add Review
Citizens Tri-County Bank Tracy City 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 First National Bank Of Tennessee Branch	0.35%	$10,000	-	Learn More Add Review
SouthEast Bank Spring City 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 Spring City 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)
First Volunteer Bank Jacksboro 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 Bells 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 Paragon Bank Branch	0.25%	$10,000	-	Learn More Add Review
First Community Bank Poeple's Community Branch	0.21%	$10,000	-	Learn More Add Review
First Federal Bank Waverly 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)
First-Citizens Bank & Trust Company Nashville Demonbreun 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 Mountain Valley Bank Branch	0.15%	$10,000	-	Learn More Add Review
U.S. Bank National Association Newport 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 Greeneville Main Branch	0.10%	$1,000	-	Learn More
D R Lineberger \| Dec 30, 2018 Garden14 Read More Reviews (1)
Regions Bank Goodlettsville Branch	0.05% 0.01%	$2,501 $2,500	-	Learn More Add Review
Rate History: 0.03% → 0.05%
Bank of America, National Association Nashville Main 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 Nashville Financial Center 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 Elizabethton Federal Savings Bank Branch	112-114 North Sycamore Street	Elizabethton	TN
City National Bank Nashville Branch	54 Music Square East, Suite 100	Nashville	TN
Union Bank Union Bank Branch	311 North Main Street	Jamestown	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 Citizens Savings Bank And Trust Comp Branch	2013 Jefferson Street	Nashville	TN
Union Bank Union Bank Branch	311 North Main Street	Jamestown	TN
First Commerce Bank First Commerce Bank Branch	500 North Ellington Parkway	Lewisburg	TN
Bank of Gleason Bank Of Gleason Branch	203 Main Street	Gleason	TN
TriStar Bank Tristar Bank Branch	719 East College Street	Dickson	TN
Heritage Community Bank Heritage Community Bank Branch	114 West Church Street	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 Bank Of Putnam County Branch	140 South Jefferson Street	Cookeville	TN
Thread Bank Civis Bank Branch	210 East Main Street	Rogersville	TN
Security Federal Savings Bank of McMinnville Security Federal Savings Bank Of Mcm Branch	306 West Main Street	Mcminnville	TN
Greeneville Federal Bank, FSB Greeneville Federal Bank, Fsb Branch	101 West Summer Street	Greeneville	TN
Bank of Gleason Bank Of Gleason Branch	203 Main Street	Gleason	TN
Apex Bank First State Branch	118 S. Horton Pkwy,	Chapel Hill	TN
Bank of Tennessee East Elk Branch	601 Elk Avenue	Elizabethton	TN
First Century Bank First Century Bank Branch	1780 North Broad Street	Tazewell	TN
Carroll Bank and Trust Carroll Bank And Trust Branch	19510 West Main Street	Huntingdon	TN
Wilson Bank and Trust Wilson Bank And Trust Branch	623 West Main Street	Lebanon	TN
Citizens Bank of Lafayette Carthage Branch	50 Main Street North	Carthage	TN
CedarStone Bank Cedarstone Bank Branch	900 West Main Street	Lebanon	TN
BankTennessee Banktennessee Branch	1125 West Poplar Ave	Collierville	TN
The Bank of Jackson The Bank Of Jackson Branch	558 Carriage House Drive	Jackson	TN
Coffee County Bank Coffee County Bank Branch	2070 Hillsboro Boulevard	Manchester	TN
Citizens Bank Citizens Bank Branch	407 Main Street	Carthage	TN
Volunteer Bank Orlinda Branch	1204 East Church Street	Orlinda	TN
INSOUTH Bank Insouth Bank Branch	111 South Washington Street	Brownsville	TN
First National Bank of Pulaski First National Bank Of Pulaski Branch	1600 Fishing Ford Road	Belfast	TN
United Cumberland Bank First Trust And Savings Branch	106 Municipal Drive	Oneida	TN
First Community Bank of East Tennessee First Community Bank Of East Tenness Branch	809 West Main Street	Rogersville	TN
Southern Bank of Tennessee Southern Bank Of Tennessee Branch	1499 N Mt Juliet Rd	Mount Juliet	TN
First Farmers and Merchants Bank Lewisburg Branch	260 North Ellington Parkway	Lewisburg	TN
Andrew Johnson Bank Andrew Johnson Bank Branch	124 North Main Street	Greeneville	TN
Independent Bank Independent Bank Branch	5050 Poplar Avenue	Memphis	TN
CB&S Bank, Inc. Farmers Bank/Branch	131 South Main Street	Cornersville	TN
Community Bank Community Bank Branch	19 Natchez Trace Drive	Lexington	TN
Millennium Bank Millennium Bank Branch	6392 Artesian Circle	Ooltewah	TN
Tennessee State Bank Tennessee State Bank Branch	2210 Parkway	Pigeon Forge	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 Somerville Main Branch	16790 Us 64	Somerville	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 Newport Federal Bank Branch	170 West Broadway	Newport	TN
Apex Bank First State Branch	118 S. Horton Pkwy,	Chapel Hill	TN
FirstBank The Farmers Bank Of Lynchburg Branch	71 Mechanic St. South	Lynchburg	TN
Home Federal Bank of Tennessee Home Federal Bank Of Tennessee Branch	515 Market Street	Knoxville	TN
Citizens Bank Citizens Bank Branch	300 Broad Street	Elizabethton	TN
Heritage Bank & Trust Heritage Bank & Trust Branch	217 South James M. Campbell Boulevard	Columbia	TN
Peoples Bank of East Tennessee Peoples Bank Of East Tennessee Branch	4511 Ushwy 411	Madisonville	TN
Pinnacle Bank Pinnacle Bank Branch	111 10th Avenue South, Suite 400	Nashville	TN
First Freedom Bank Jackson Bank & Trust Branch	307 Hull Ave	Gainesboro	TN
Citizens National Bank Citizens National Bank Branch	200 Forks Of The River Parkway	Sevierville	TN
Volunteer Federal Savings Bank Volunteer Federal Savings Bank Branch	108 Main Street	Madisonville	TN
Renasant Bank Bells Branch	32 E Main St	Bells	TN
First Community Bank of the Heartland, Inc. Martin Banking Center Branch	5475 Skyhawk Parkway	Martin	TN
Bank of Bartlett Bank Of Bartlett Branch	6281 Stage Road	Bartlett	TN
TruPoint Bank Johnson City Branch	709 Medtech Pkwy	Johnson City	TN
F&M Bank F&M Bank Branch	50 Franklin Street	Clarksville	TN
Traditions First Bank Traditions First Bank Branch	5745 East Main Street	Erin	TN
Planters Bank, Inc. Commerce Street Branch	325 Commerce Street	Clarksville	TN
The First Bank and Trust Company Johnson City Branch	1185 North State Of Franklin Road	Johnson City	TN
Community Bank of Mississippi Memphis Branch	6465 North Quail Hollow Road	Memphis	TN
CBBC Bank Cbbc Bank Branch	330 E Broadway Ave	Maryville	TN
Mountain Commerce Bank Mountain Commerce Bank Branch	6101 Kingston Pike	Knoxville	TN
UBank Ubank Branch	1075 Fifth Street	Jellico	TN
Citizens Tri-County Bank Tracy City Branch	416 Railroad Avenue	Tracy City	TN
Bank of Cleveland Bank Of Cleveland Branch	75 Bobby Taylor Avenue	Cleveland	TN
First National Bank of Tennessee First National Bank Of Tennessee Branch	214 East Main Street	Livingston	TN
SouthEast Bank Spring City Branch	285 Front Street	Spring City	TN
First Community Bank Poeple's Community Branch	300 Sunset Drive	Johnson City	TN
SouthEast Bank Spring City Branch	285 Front Street	Spring City	TN
Builtwell Bank Jacksboro Branch	301 Main St	Jacksboro	TN
Renasant Bank Bells Branch	32 E Main St	Bells	TN
Paragon Bank Paragon Bank Branch	5400 Poplar Avenue	Memphis	TN
First Community Bank Poeple's Community Branch	300 Sunset Drive	Johnson City	TN
First Federal Bank Waverly Branch	122 West Main Street	Waverly	TN
First-Citizens Bank & Trust Company Nashville Demonbreun Branch	1534 Demonbreun Street	Nashville	TN
Mountain Valley Bank Mountain Valley Bank Branch	17114 Rankin Avenue	Dunlap	TN
U.S. Bank National Association Newport Branch	301 East Main Street	Newport	TN
First Horizon Bank Greeneville Main Branch	100 North Main Street	Greeneville	TN
Regions Bank Goodlettsville Branch	112 Long Hollow Pike	Goodlettsville	TN
Bank of America, National Association Nashville Main Branch	414 Union Street	Nashville	TN
Regions Bank Goodlettsville Branch	112 Long Hollow Pike	Goodlettsville	TN
Fifth Third Bank, National Association Nashville Financial Center Branch	424 Church Street, Sui5te 700	Nashville	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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Ripley, Tennessee CD Rates – 4-Year

Branches Info around zip 10116

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

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