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You are viewing rates from banks across Sparta
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.
Sparta, TN - July 17, 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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3.50% |
$0 |
- |
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Early Withdrawal Penalty is 6 months interest. |
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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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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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1.20% |
$10,000 |
24.49 |
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1.00% |
$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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1.00% |
$10,000 |
24.29 |
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0.90% |
$10,000 |
15.21 |
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0.90% |
$10,000 |
19.21 |
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0.85% |
$1,000 |
14.85 |
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0.65% |
$10,000 |
14.47 |
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0.60% |
$10,000 |
15.00 |
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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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0.50% |
$10,000 |
16.15 |
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0.45% |
$10,000 |
24.89 |
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0.35% |
$10,000 |
14.85 |
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0.35% |
$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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0.30% |
$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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0.25% |
$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 |
15.15 |
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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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0.15% |
$500 |
24.48 |
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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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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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| Branch | Street | City | State |
|---|---|---|---|
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Homeland Community Bank Homeland Community Bank Branch |
900 North Chancery Street | Mcminnville | TN |
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One Bank of Tennessee Baxter Branch |
404 Main Street | Baxter | TN |
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Security Federal Savings Bank of McMinnville Mcminnville Branch |
1017 Smithville Hwy | Mc Minnville | TN |
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Wilson Bank and Trust Cookeville Office Branch |
320 South Jefferson Avenue | Cookeville | TN |
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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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First Freedom Bank Jackson Street Branch |
376 West Jackson Street | Cookeville | TN |
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F&M Bank Cookeville Branch |
900 N. Washington Avenue | Cookeville | TN |
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Citizens Tri-County Bank Warren Branch |
101 West Main Street | Mcminnville | 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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Builtwell Bank Cookeville Branch |
351 South Willow Avenue | Cookeville | TN |
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U.S. Bank National Association Mcminnville Branch |
601 North Chancery Street | Mcminnville | 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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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.
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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