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Image Courtesy: www.pixabay.com
You are viewing rates from banks across Smithville
Below are the best six-month CD Rates from banks with branches in Smithville, Tennessee . Six month CDs are considered short-term cds and the yield is comparable to savings and money market rates. You may want to consider opening a 6 month CD if you are concerned about savings rates dropping and don’t mind locking up your money for six months.
Smithville, TN - September 2, 2025
6 Month CD National Average : 0.41% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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4.50% |
$2,500 |
15.67 |
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Rate History: 0.01% → 4.50% |
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4.35% |
$1,000 |
- |
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Rate History: 3.50% → 4.50% → 4.75% → 4.65% → 4.35% |
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Savvysaver | Jun 26, 2020 Rate not current Read More |
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4.35% |
$25,000 |
- |
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Early Withdrawal Penalty is 90 days interest. |
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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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4.30% |
$10,000 |
- |
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Rate History: 4.40% → 4.35% → 4.30% → 4.40% → 4.30% |
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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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4.25% |
$500 |
15.67 |
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4.15% |
$2,500 |
- |
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Rate History: 4.55% → 4.25% → 4.30% → 3.95% → 4.15% |
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HAL1975 | Aug 2, 2023 Sallie mae is just a horrible institution. We've done business with them before and swore on the holy bible not to go near there again, but a 18 mos cd at 5.55% brought us back. Read More |
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3.00% |
$0 |
- |
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Rate History: 4.70% → 4.50% → 4.30% → 3.90% → 3.00% |
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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 |
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0.60% |
$10,000 |
22.90 |
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0.50% |
$100,000 |
23.41 |
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0.40% |
$100,000 |
23.41 |
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0.35% |
$1,000 |
22.22 |
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GOb | Dec 18, 2023 They will not cash savings bonds for non-account holders Read More |
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0.35% |
$10,000 |
23.70 |
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0.35% |
$10,000 |
20.14 |
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0.25% |
$1,000 |
23.41 |
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0.25% |
$10,000 |
15.65 |
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0.25% |
$10,000 |
21.48 |
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0.25% |
$10,000 |
22.00 |
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0.25% |
$10,000 |
18.08 |
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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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0.20% |
$1,000 |
- |
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Jeff Talmage | Aug 22, 2025 Echoing the other negative reviews here. Avoid because rate is bait-and-switch, website is awful and service is not acceptable (provided by offshore reps who barely speak English, raise their voice and ad... Read More |
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0.20% |
$10,000 |
15.43 |
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0.15% |
$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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0.15% |
$100,000 |
21.55 |
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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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0.15% |
$10,000 |
19.80 |
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0.10% |
$1,000 |
24.57 |
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D R Lineberger | Dec 30, 2018 Garden14 Read More |
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0.10% |
$10,000 |
21.55 |
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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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0.05% |
$10,000 |
22.60 |
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0.05% |
$500 |
15.92 |
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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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| Branch | Street | City | State |
|---|---|---|---|
|
Regions Bank Woodbury Branch |
200 West Water Street | Woodbury | TN |
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Regions Bank Woodbury Branch |
200 West Water Street | Woodbury | TN |
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Homeland Community Bank Morrison Branch |
150 North Railroad Street | Morrison | TN |
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Citizens Bank Gordonsville Branch |
530 Gordonsville Highway | Gordonsville | TN |
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Citizens Bank Gordonsville Branch |
530 Gordonsville Highway | Gordonsville | TN |
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Builtwell Bank Cookeville Branch |
351 South Willow Avenue | Cookeville | TN |
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F&M Bank Cookeville Branch |
900 N. Washington Avenue | Cookeville | TN |
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Security Federal Savings Bank of McMinnville Manchester Hwy Branch |
5839 Manchester Hwy | Morrison | TN |
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Citizens Bank Gordonsville Branch |
530 Gordonsville Highway | Gordonsville | TN |
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FirstBank Woodbury Branch |
101 W. Main St | Woodbury | TN |
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Wilson Bank and Trust Watertown Branch |
101 Public Square | Watertown | TN |
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First Freedom Bank Jackson Street Branch |
376 West Jackson Street | Cookeville | TN |
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One Bank of Tennessee Baxter Branch |
404 Main Street | Baxter | TN |
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FSNB, National Association Fsnb - Mcminnville Branch |
915 N. Chancery St | Mc Minnville | TN |
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SouthEast Bank Cookeville Branch |
744 South Willow Avenue | Cookeville | TN |
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Citizens Tri-County Bank Morrison Branch |
5248 Manchester Highway | Morrison | TN |
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First Horizon Bank Carthage Branch |
1001 North Main Street | Carthage | TN |
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SouthEast Bank Cookeville Branch |
744 South Willow Avenue | Cookeville | TN |
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First National Bank of Tennessee Cookeville Branch |
412 South Jefferson Avenue | Cookeville | TN |
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U.S. Bank National Association Mcminnville Branch |
601 North Chancery Street | Mcminnville | TN |
BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
Six month certificates of deposit (CDs) provide depositors with a short term vehicle for keeping money safe and earning interest. With a six month CD, depositors agree to leave their money in the account for six months in return for a fixed rate of interest over this period. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.
In general, almost all brick-and-mortar banks provide CDs to their consumers. Opening one involves taking a trip to the branch although some banks allow CDs to be opened via the phone or online. In general, local banks discourage depositors from out-of-state to open accounts, although this is not a hard rule and if you see an attractive rate from a bank in another state, it is worth investigating the account opening policy. Online banks generally offer better rates on six month CDs but the accounts must be opened online. View online bank rates.
When interest rates are falling, it is often preferable to lock in high rates for an extended period of time with a longer-term CD. When interest rates are rising, depositors should avoid committing their money for long periods of time. To see interest rate trends, visit the 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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