Best CD Rates in Tennessee, TN

You are viewing rates from banks across Tennessee

Below are the best one-year CD Rates from banks in Tennessee. One-year CDs are usually the most popular term and offer a decent yield without having to lock-up money for an extended period of time. One year CD Rates are generally comparable to or a little higher than their savings and money market counterparts.

TN - July 11, 2025

1 Year CD National Average : 0.55% ^?

Banks	APY	MIN	MILES ^?
InsBank Insbank Branch	4.46%	$50,000	-	Learn More
Rate History: 4.90% → 4.70% → 4.55% → 4.30% → 4.46%
judy \| Jul 7, 2022 Insbank 1 yr is 1.5 % 18month is 1.6% 7-7-2022 Read More Reviews (6)
Merrick Bank	4.35%	$25,000	-	Learn More
Warning: Early Withdrawal Penalty is 2% of the account balance. Rate History: 4.10% → 4.35% → 4.25% → 4.05% → 4.35%
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)
Seattle Bank	4.10%	$1,000	-	Learn More
Early Withdrawal Penalty is 180 days interest. Rate History: 5.00% → 5.00% → 4.55% → 4.30% → 4.10%
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)
Elizabethton Federal Savings Bank 404 South Shady Street Branch	4.08%	$500	-	Learn More Add Review
Capital One, National Association	4.00%	$0	-	Learn More
Rate History: 5.00% → 4.50% → 4.20% → 4.10% → 4.00%
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)
Ivy Bank	4.00%	$1,000	-	Learn More Add Review
Rate History: 5.00% → 4.60% → 4.20% → 4.35% → 4.00%
lrcbob \| Jul 26, 2024 Multiple roadblocks trying to set up a savings account with Ivy Bank and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and c... Read More
Forbright Bank	4.00%	$1,000	-	Learn More
Rate History: 5.30% → 5.10% → 5.30% → 4.25% → 4.00%
lrcbob \| Jul 26, 2024 Multiple roadblocks trying to set up a savings account with Forbright and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and ... Read More Reviews (2)
First Foundation Bank	3.90%	$2,500	-	Learn More
Rate History: 4.85% → 4.60% → 4.25% → 4.00% → 3.90%
james \| Nov 18, 2023 bank delayed 1-2days to credit into your account, pay less interest. Read More Reviews (32)
Gateway First Bank	3.90%	$500	-	Learn More
Rate History: 4.30% → 3.90%
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)
Bank of Whittier, National Association	3.82%	$1,000	-	Learn More Add Review
Banesco USA	3.80%	$1,000	-	Learn More
Early Withdrawal Penalty is 90 days interest. Rate History: 5.15% → 5.15% → 4.50% → 4.20% → 3.80%
Dkplan \| Dec 27, 2022 They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More Reviews (8)
Truist Bank Ooltewah Branch	3.75%	$1,000	-	Learn More
Rate History: 3.00% → 3.50% → 4.00% → 3.55% → 3.75%
Customer \| Jul 28, 2022 Not at all happy with Truist compared to BB+T. New transaction policy makes them painfully slow. Paying .01 % interest on money market accounts, 13 week T Bill's are around $2.5%.I hope that they are enj... Read More Reviews (6)
Blue Foundry Bank	3.75%	$1,000	-	Learn More Add Review
Rate History: 4.00% → 4.50% → 4.00% → 3.75%
Hingham Institution for Savings	3.54%	$1,000	-	Learn More Add Review
Rate History: 3.85% → 3.64% → 3.54%
TD Bank, National Association	3.51% 0.05%	$10,000 $10,001	-	Learn More
Rate History: 4.00% → 4.50% → 4.00% → 3.75% → 3.51%
Turonemckinney17@gmail.com \| May 19, 2018 Experience Read More Reviews (1)
Citizens	3.50%	$5,000	-	Learn More
Rate History: 4.50% → 4.25% → 4.00% → 4.35% → 3.50%
Dana E. \| Mar 20, 2016 Good solid bank. Read More Reviews (1)
Fifth Third Bank, National Association Walker Springs Branch	3.49% 0.01%	$5,000 $500	-	Learn More
Rate History: 4.70% → 4.00% → 4.30% → 3.30% → 3.49%
Juan Ricardo \| Nov 12, 2018 Helpful w/$ Read More Reviews (5)
Bank of America, National Association Madison Branch	3.25%	$100,000	-	Learn More
Rate History: 3.75% → 4.25% → 3.75% → 3.51% → 3.25%
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)
Citibank, National Association	3.00%	$0	-	Learn More
Rate History: 2.75% → 2.00% → 4.00% → 2.50% → 3.00%
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)
City National Bank Nashville Branch	2.48%	$10,000	-	Learn More Add Review
Rate History: 3.04% → 2.48%
USAA Federal Savings Bank	2.05%	$1,000	-	Learn More
Rate History: 4.85% → 4.40% → 4.25% → 3.00% → 2.05%
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)
JPMorgan Chase Bank, National Association	2.00%	$10,000	-	Learn More
Rate History: 2.00% → 3.50% → 3.25% → 3.00% → 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)
Wells Fargo Bank, National Association Germantown East Branch	2.00%	$25,000	-	Learn More
Rate History: 2.00% → 1.50% → 3.25% → 2.00%
Thy King \| Feb 6, 2023 after over 100k in transactions through this bank in the course of a year not only did i suffer from fraud but this bank closed my accounts and i have been lliable for all the losses and to top it off with... Read More Reviews (7)
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 Gleason Mckenzie Branch	0.80%	$100,000	-	Learn More Add Review
Bank of Lincoln County Bank Of Lincoln County Branch	0.80%	$10,000	-	Learn More Add Review
Bank3 Bank3 Branch	0.75%	$10,000	-	Learn More Add Review
Lawrenceburg Federal Bank Lawrenceburg Federal Bank Branch	0.75%	$10,000	-	Learn More Add Review
Homeland Community Bank Homeland Community Bank Branch	0.75%	$10,000	-	Learn More Add Review
Citizens Bank Gordonsville Branch	0.75%	$100,000	-	Learn More Add Review
ServisFirst Bank Nashville Branch	0.71%	$10,000	-	Learn More Add Review
Greenfield Banking Company Greenfield Branch	0.70%	$10,000	-	Learn More Add Review
Bank of Gleason Mckenzie Branch	0.70%	$10,000	-	Learn More Add Review
First Commerce Bank Lewisburg Branch	0.70%	$10,000	-	Learn More Add Review
First Peoples Bank of Tennessee Strawberry Plains Branch	0.70%	$100,000	-	Learn More Add Review
The Citizens Bank	0.65%	$10,000	-	Learn More Add Review
Carroll Bank and Trust Mclemoresville Branch	0.65%	$10,000	-	Learn More Add Review
Citizens Savings Bank and Trust Company Memphis Branch	0.65%	$10,000	-	Learn More Add Review
Union Bank Union Bank Branch	0.65%	$100,000	-	Learn More Add Review
The Bank of Fayette County Selmer Branch	0.65%	$10,000	-	Learn More Add Review
Bank of Crockett South Bells Branch	0.65%	$10,000	-	Learn More Add Review
The Bank of Jackson The Bank Of Jackson Branch	0.65%	$10,000	-	Learn More Add Review
First Community Bank of Tennessee Lynchburg Branch	0.65%	$10,000	-	Learn More Add Review
Coffee County Bank Hillsboro Boulevard Branch	0.60%	$10,000	-	Learn More Add Review
Independent Bank Germantown Branch	0.60%	$10,000	-	Learn More Add Review
Volunteer State Bank Gallatin Branch	0.60%	$10,000	-	Learn More Add Review
CedarStone Bank Cedarstone Bank Branch	0.60%	$100,000	-	Learn More Add Review
BankTennessee East Memphis Branch	0.60%	$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)
Peoples Bank Hohenwald Branch	0.60%	$10,000	-	Learn More Add Review
First Jackson Bank, Inc. South Pittsburg Branch	0.60%	$1,000	-	Learn More Add Review
The Farmers Bank Cross Plains Office Branch	0.55%	$10,000	-	Learn More Add Review
TriStar Bank Tristar Bank Branch	0.55%	$10,000	-	Learn More Add Review
Citizens Bank of Lafayette Alexandria Branch	0.55%	$10,000	-	Learn More Add Review
Union Bank Union Bank Branch	0.55%	$10,000	-	Learn More Add Review
Citizens Bank and Trust Company of Grainger County Blaine Branch	0.55%	$10,000	-	Learn More Add Review
Citizens National Bank Gatlinburg Branch	0.55%	$10,000	-	Learn More Add Review
Bank of Halls Church Street Branch	0.55%	$10,000	-	Learn More Add Review
INSOUTH Bank Millington Branch	0.55%	$10,000	-	Learn More Add Review
Miners Exchange Bank Gray Branch	0.50%	$1,000	-	Learn More Add Review
One Bank of Tennessee Jamestown Branch	0.50%	$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)
McKenzie Banking Company Foundation Bank, A Division Of Mckenzie Banking Company Branch	0.50%	$10,000	-	Learn More
Jennifer \| Jan 21, 2022 SC Read More Reviews (1)
Legends Bank Legends Bank Branch	0.50%	$10,000	-	Learn More Add Review
First Financial Bank, National Association	0.50%	$10,000	-	Learn More Add Review
TriStar Bank Tristar Bank Branch	0.50%	$100,000	-	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
CedarStone Bank Cedarstone Bank Branch	0.50%	$10,000	-	Learn More Add Review
Republic Bank & Trust Company Greeen Hills Branch	0.50%	$10,000	-	Learn More
JEKuhn \| May 20, 2017 I received a check from them, misplaced it and now have found. Two years old. What now? Read More Reviews (1)
People's Bank and Trust Company of Pickett County People's Bank And Trust Company Of P Branch	0.50%	$100,000	-	Learn More Add Review
TNBANK Jackson Square Branch	0.50%	$10,000	-	Learn More Add Review
Security Bank Mall Boulevard Branch	0.50%	$10,000	-	Learn More Add Review
The Lauderdale County Bank Cleveland Street Branch	0.50%	$10,000	-	Learn More Add Review
Citizens Bank Gordonsville Branch	0.50%	$10,000	-	Learn More Add Review
CBBC Bank Townsend Branch	0.50%	$10,000	-	Learn More Add Review
First Vision Bank of Tennessee Manchester Office Branch	0.49%	$10,000	-	Learn More Add Review
Apex Bank American Patriot Bank Branch	0.47%	$100	-	Learn More
jenningsjerome56@gmail.com \| Aug 26, 2020 JeanJennings6 Read More Reviews (4)
Bank of Tennessee Pinecrest Branch	0.47%	$10,000	-	Learn More Add Review
First Century Bank Harrogate Branch	0.47%	$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)
Citizens Bank Gordonsville Branch	0.45%	$100,000	-	Learn More Add Review
First Farmers and Merchants Bank Loretto Branch	0.45%	$10,000	-	Learn More Add Review
First Community Bank of East Tennessee First Community Bank Of East Tenness Branch	0.45%	$1,000	-	Learn More Add Review
Security Federal Savings Bank of McMinnville Manchester Hwy Branch	0.45%	$10,000	-	Learn More Add Review
First Peoples Bank of Tennessee Strawberry Plains Branch	0.45%	$10,000	-	Learn More Add Review
Southern Bank of Tennessee Smyrna Branch	0.42%	$10,000	-	Learn More Add Review
First Volunteer Bank First Volunteer Bank Branch	0.40%	$1,000	-	Learn More
GOb \| Dec 18, 2023 They will not cash savings bonds for non-account holders Read More Reviews (5)
First Federal Bank Clarksville Main Br Branch	0.40%	$10,000	-	Learn More
? \| Dec 5, 2018 This bank is telling me that an IRA CD is only 0.90% Read More Reviews (1)
F&M Bank Dover Branch	0.40%	$10,000	-	Learn More Add Review
People's Bank and Trust Company of Pickett County People's Bank And Trust Company Of P Branch	0.40%	$10,000	-	Learn More Add Review
United Cumberland Bank Huntsville Branch	0.40%	$10,000	-	Learn More Add Review
Commercial Bank Halls Branch	0.40%	$10,000	-	Learn More Add Review
Citizens Bank Baum Drive Branch	0.40%	$1,000	-	Learn More Add Review
Andrew Johnson Bank Cleveland Branch	0.40%	$10,000	-	Learn More Add Review
Millennium Bank Millennium Bank Branch	0.40%	$10,000	-	Learn More Add Review
Mountain Commerce Bank Unicoi Branch	0.40%	$10,000	-	Learn More Add Review
Greeneville Federal Bank, FSB 903 Tusculum Boulevard Branch	0.40%	$10,000	-	Learn More Add Review
Heritage Community Bank Greeneville Branch	0.39%	$10,000	-	Learn More Add Review
Tower Community Bank Coalmont-Junction Branch	0.35%	$10,000	-	Learn More Add Review
FirstBank American City Bank Branch	0.35%	$10,000	-	Learn More Add Review
First Citizens National Bank Georgetown Branch	0.35%	$10,000	-	Learn More
Customer \| Jan 30, 2020 Rate no longer available Read More Reviews (1)
Highland Federal Savings and Loan Association Village Green Shopping Mall Branch	0.35%	$10,000	-	Learn More Add Review
Home Federal Bank of Tennessee Carter Branch	0.35%	$10,000	-	Learn More
Sam Love \| Sep 30, 2021 No Read More Reviews (2)
Civis Bank Civis Bank Branch	0.35%	$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)
Guaranty Bank and Trust Company	0.35%	$100,000	-	Learn More Add Review
CB&S Bank, Inc. Selmer Mulberry Branch	0.35%	$10,000	-	Learn More
Terry \| Jun 7, 2018 Fabulous bank Read More Reviews (1)
Community Bank West Church Street Branch	0.35%	$10,000	-	Learn More Add Review
Tennessee State Bank Gatlinburg Branch	0.35%	$10,000	-	Learn More Add Review
First Community Bank Poeple's Community Branch	0.30%	$10,000	-	Learn More Add Review
FIRST STATE BANK OF THE SOUTHEAST, INC First State Financial, Inc. Branch	0.30%	$10,000	-	Learn More Add Review
FSNB, National Association Fsnb - Mcminnville Branch	0.30%	$10,000	-	Learn More Add Review
Wilson Bank and Trust Leeville 109 Branch	0.30%	$10,000	-	Learn More Add Review
First Freedom Bank Providence Parkway Branch	0.30%	$10,000	-	Learn More Add Review
Citizens Bank Gordonsville Branch	0.30%	$1,000	-	Learn More Add Review
UBank Ubank Branch	0.30%	$10,000	-	Learn More Add Review
New Peoples Bank, Inc. Bloomingdale Office Branch	0.30%	$10,000	-	Learn More Add Review
Guaranty Bank and Trust Company	0.30%	$10,000	-	Learn More Add Review
Heritage Bank & Trust Heritage Bank & Trust Branch	0.30%	$10,000	-	Learn More Add Review
Bank of Cleveland Bank Of Cleveland Branch	0.30%	$10,000	-	Learn More Add Review
First Community Bank of the Heartland, Inc. Martin Banking Center Branch	0.26%	$500	-	Learn More Add Review
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)
TruPoint Bank Johnson City Branch	0.25%	$1,000	-	Learn More Add Review
Security Bank and Trust Company South First Street Branch	0.25%	$10,000	-	Learn More Add Review
Pinnacle Bank Knoxville Location Branch	0.25%	$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)
The First Bank and Trust Company Gray Office Branch	0.25%	$10,000	-	Learn More Add Review
Paragon Bank Saddle Creek Banking Center Branch	0.25%	$10,000	-	Learn More Add Review
Citizens Tri-County Bank Decherd Branch	0.25%	$10,000	-	Learn More Add Review
Newport Federal Bank 345 Cosby Highway Branch	0.25%	$1,000	-	Learn More Add Review
Home Federal Bank Corporation New Tazewell Branch	0.20%	$10,000	-	Learn More Add Review
Community Bank of Mississippi Memphis Branch	0.20%	$10,000	-	Learn More Add Review
First National Bank of Pulaski Industrial Park Branch	0.20%	$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)
Volunteer Federal Savings Bank Sweetwater Hwy 68 Branch	0.20%	$500	-	Learn More Add Review
First Community Bank Poeple's Community Branch	0.17%	$10,000	-	Learn More Add Review
Bank of Bartlett Houston Levee Branch	0.15%	$1,000	-	Learn More Add Review
First National Bank of Tennessee Fairfield Glade Branch	0.15%	$10,000	-	Learn More Add Review
SouthEast Bank Ooltewah Branch	0.15%	$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)
Trustmark National Bank Rossville Branch	0.15%	$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)
Peoples Bank of East Tennessee Tellico Plains Branch	0.15%	$10,000	-	Learn More Add Review
First Horizon Bank Cool Springs Branch	0.10%	$1,000	-	Learn More
D R Lineberger \| Dec 30, 2018 Garden14 Read More Reviews (1)
SouthEast Bank Ooltewah Branch	0.10%	$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)
Mountain Valley Bank Monteagle Branch	0.10%	$10,000	-	Learn More Add Review
First Community Bank Poeple's Community Branch	0.10%	$10,000	-	Learn More Add Review
KeyBank National Association	0.05%	$2,500	-	Learn More
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)
U.S. Bank National Association Cookeville Jackson Branch	0.05%	$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)
Regions Bank Nashville Tn Main Branch	0.03% 0.01%	$2,501 $2,500	-	Learn More Add Review
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)
First-Citizens Bank & Trust Company Royal Oaks Branch	0.01%	$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)

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 98109

Branch	Street	City	State
InsBank Insbank Branch	2106 Crestmoor Road	Nashville	TN
Elizabethton Federal Savings Bank 404 South Shady Street Branch	404 South Shadt Street	Mountain City	TN
Truist Bank Ooltewah Branch	9238 Lee Highway	Ooltewah	TN
Fifth Third Bank, National Association Walker Springs Branch	8331 East Walker Springs Lane	Knoxville	TN
Bank of America, National Association Madison Branch	969 Gallatin Pike S	Madison	TN
City National Bank Nashville Branch	54 Music Square East, Suite 100	Nashville	TN
Wells Fargo Bank, National Association Germantown East Branch	9301 Poplar Avenue	Germantown	TN
Apex Bank American Patriot Bank Branch	3095 East Andrew Johnson Highway	Greeneville	TN
Bank of Gleason Mckenzie Branch	15865 North Highland Drive	Mckenzie	TN
Bank of Lincoln County Bank Of Lincoln County Branch	307 East College Street	Fayetteville	TN
Bank3 Bank3 Branch	5210 Poplar Avenue	Memphis	TN
Lawrenceburg Federal Bank Lawrenceburg Federal Bank Branch	118 West Gaines Street	Lawrenceburg	TN
Homeland Community Bank Homeland Community Bank Branch	900 North Chancery Street	Mcminnville	TN
Citizens Bank Gordonsville Branch	530 Gordonsville Highway	Gordonsville	TN
ServisFirst Bank Nashville Branch	1801 West End Avenue	Nashville	TN
Greenfield Banking Company Greenfield Branch	202 South Meridian Street	Greenfield	TN
Bank of Gleason Mckenzie Branch	15865 North Highland Drive	Mckenzie	TN
First Commerce Bank Lewisburg Branch	701 Cornersville Road	Lewisburg	TN
First Peoples Bank of Tennessee Strawberry Plains Branch	7500 Ashville Highway	Knoxville	TN
Carroll Bank and Trust Mclemoresville Branch	5626 Main Street	Mc Lemoresville	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
The Bank of Fayette County Selmer Branch	610 Mulberry Avenue	Selmer	TN
Bank of Crockett South Bells Branch	389 South Bells Street	Alamo	TN
The Bank of Jackson The Bank Of Jackson Branch	558 Carriage House Drive	Jackson	TN
First Community Bank of Tennessee Lynchburg Branch	535 Majors Blvd.	Lynchburg	TN
Coffee County Bank Hillsboro Boulevard Branch	301 Hillsboro Boulevard	Manchester	TN
Independent Bank Germantown Branch	7635 Poplar Avenue	Germantown	TN
Volunteer Bank Gallatin Branch	554 West Main Street	Gallatin	TN
CedarStone Bank Cedarstone Bank Branch	900 West Main Street	Lebanon	TN
BankTennessee East Memphis Branch	5540 Poplar Ave	Memphis	TN
Peoples Bank Hohenwald Branch	526 E Main St	Hohenwald	TN
First Jackson Bank, Inc. South Pittsburg Branch	201 Battlecreek Road	South Pittsburg	TN
The Farmers Bank Cross Plains Office Branch	7836 Highway 25	Cross Plains	TN
TriStar Bank Tristar Bank Branch	719 East College Street	Dickson	TN
Citizens Bank of Lafayette Alexandria Branch	100 North Public Square	Alexandria	TN
Union Bank Union Bank Branch	8500 Highway 111, Suite 200	Byrdstown	TN
Citizens Bank and Trust Company of Grainger County Blaine Branch	880 Rutledge Pike	Blaine	TN
Citizens National Bank Gatlinburg Branch	906 E Pkwy	Gatlinburg	TN
Bank of Halls Church Street Branch	503 South Church Street	Halls	TN
INSOUTH Bank Millington Branch	7696 Highway 51 North	Millington	TN
Miners Exchange Bank Gray Branch	5575 Bobby Hicks Hwy	Johnson City	TN
One Bank of Tennessee Jamestown Branch	416 East Central Avenue	Jamestown	TN
Foundation Bank Foundation Bank, A Division Of Mckenzie Banking Company Branch	9 North Bells Street	Alamo	TN
Legends Bank Legends Bank Branch	310 First Street	Clarksville	TN
TriStar Bank Tristar Bank Branch	719 East College Street	Dickson	TN
Traditions First Bank Traditions First Bank Branch	5745 East Main Street	Erin	TN
Planters Bank, Inc. Sango Branch	895 Highway 76	Clarksville	TN
CedarStone Bank Cedarstone Bank Branch	900 West Main Street	Lebanon	TN
Republic Bank & Trust Company Greeen Hills Branch	2034 Richard Jones Road	Nashville	TN
People's Bank and Trust Company of Pickett County People's Bank And Trust Company Of P Branch	19 Courthouse Square	Byrdstown	TN
TNBANK Jackson Square Branch	900 Oak Ridge Turnpike	Oak Ridge	TN
Security Bank Mall Boulevard Branch	650 Mall Boulevard	Dyersburg	TN
The Lauderdale County Bank Cleveland Street Branch	331 Cleveland Street	Ripley	TN
Citizens Bank Gordonsville Branch	530 Gordonsville Highway	Gordonsville	TN
CBBC Bank Townsend Branch	7729 East Lamar Alexander Parkway	Townsend	TN
First Vision Bank of Tennessee Manchester Office Branch	2134 Hillsboro Blvd.	Manchester	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
Citizens Bank Gordonsville Branch	530 Gordonsville Highway	Gordonsville	TN
First Farmers and Merchants Bank Loretto Branch	U.S. Highway 43	Loretto	TN
First Community Bank of East Tennessee First Community Bank Of East Tenness Branch	809 West Main Street	Rogersville	TN
Security Federal Savings Bank of McMinnville Manchester Hwy Branch	5839 Manchester Hwy	Morrison	TN
First Peoples Bank of Tennessee Strawberry Plains Branch	7500 Ashville Highway	Knoxville	TN
Southern Bank of Tennessee Smyrna Branch	403 S Lowry St	Smyrna	TN
Builtwell Bank First Volunteer Bank Branch	728 Broad Street	Chattanooga	TN
First Federal Bank Clarksville Main Br Branch	502 Madison St	Clarksville	TN
F&M Bank Dover Branch	One Donelson Parkway	Dover	TN
People's Bank and Trust Company of Pickett County People's Bank And Trust Company Of P Branch	19 Courthouse Square	Byrdstown	TN
United Cumberland Bank Huntsville Branch	567 Howard H. Baker Highway	Huntsville	TN
Commercial Bank Halls Branch	7400 Maynardville Highway	Knoxville	TN
Citizens Bank Baum Drive Branch	6771 Baum Drive	Knoxville	TN
Andrew Johnson Bank Cleveland Branch	555 North Ocoee Street	Cleveland	TN
Millennium Bank Millennium Bank Branch	6392 Artesian Circle	Ooltewah	TN
Mountain Commerce Bank Unicoi Branch	4200 Unicoi Drive	Unicoi	TN
Greeneville Federal Bank, FSB 903 Tusculum Boulevard Branch	903 Tusculum Boulevard	Greeneville	TN
Heritage Community Bank Greeneville Branch	3626 East Andrew Johnson Highway	Greeneville	TN
Tower Community Bank Coalmont-Junction Branch	9933 State Highway 56	Coalmont	TN
FirstBank American City Bank Branch	340 West Lincoln Street	Tullahoma	TN
First Citizens National Bank Georgetown Branch	3795 Georgetown Road	Cleveland	TN
Highland Federal Savings and Loan Association Village Green Shopping Mall Branch	126 Stonehenge Dr Suite 113	Crossville	TN
Home Federal Bank of Tennessee Carter Branch	7600 Asheville Highway	Knoxville	TN
Thread Bank Civis Bank Branch	210 East Main Street	Rogersville	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
Tennessee State Bank Gatlinburg Branch	414 East Parkway	Gatlinburg	TN
First Community Bank Poeple's Community Branch	300 Sunset Drive	Johnson City	TN
First State Bank of the Southeast, Inc First State Financial, Inc. Branch	996 Fifth Street	Jellico	TN
FSNB, National Association Fsnb - Mcminnville Branch	915 N. Chancery St	Mc Minnville	TN
Wilson Bank and Trust Leeville 109 Branch	440 Highway 109n	Lebanon	TN
First Freedom Bank Providence Parkway Branch	Providence Pkwy	Mount Juliet	TN
Citizens Bank Gordonsville Branch	530 Gordonsville Highway	Gordonsville	TN
UBank Ubank Branch	1075 Fifth Street	Jellico	TN
New Peoples Bank, Inc. Bloomingdale Office Branch	2600 N. John B. Dennis Hwy	Kingsport	TN
Heritage Bank & Trust Heritage Bank & Trust Branch	845 Nashville Highway	Columbia	TN
Bank of Cleveland Bank Of Cleveland Branch	75 Bobby Taylor Avenue	Cleveland	TN
First Community Bank of the Heartland, Inc. Martin Banking Center Branch	5475 Skyhawk Parkway	Martin	TN
Renasant Bank Poplar Avenue Branch	5264 Poplar Avenue	Memphis	TN
TruPoint Bank Johnson City Branch	709 Medtech Pkwy	Johnson City	TN
Security Bank and Trust Company South First Street Branch	611 South First Street	Union City	TN
Pinnacle Bank Knoxville Location Branch	551 W. Main St.	Knoxville	TN
The First Bank and Trust Company Gray Office Branch	2100 Forest Drive	Gray	TN
Paragon Bank Saddle Creek Banking Center Branch	7600 Poplar Avenue	Germantown	TN
Citizens Tri-County Bank Decherd Branch	2030 Decherd Boulevard	Decherd	TN
Newport Federal Bank 345 Cosby Highway Branch	345 Cosby Highway	Newport	TN
Hearthside Bank Corporation New Tazewell Branch	500 Fifth Avenue	New Tazewell	TN
Community Bank of Mississippi Memphis Branch	6465 North Quail Hollow Road	Memphis	TN
First National Bank of Pulaski Industrial Park Branch	Bennett Drive	Pulaski	TN
Volunteer Federal Savings Bank Sweetwater Hwy 68 Branch	906 New Highway 68	Sweetwater	TN
First Community Bank Poeple's Community Branch	300 Sunset Drive	Johnson City	TN
Bank of Bartlett Houston Levee Branch	9915 Highway 64	Arlington	TN
First National Bank of Tennessee Fairfield Glade Branch	5011 Peavine Rd	Crossville	TN
SouthEast Bank Ooltewah Branch	9218 Lee Highway	Ooltewah	TN
Trustmark National Bank Rossville Branch	70 Front Street	Rossville	TN
Peoples Bank of East Tennessee Tellico Plains Branch	9186 New Highway 68	Tellico Plains	TN
First Horizon Bank Cool Springs Branch	9200 Carothers Parkway	Franklin	TN
SouthEast Bank Ooltewah Branch	9218 Lee Highway	Ooltewah	TN
Mountain Valley Bank Monteagle Branch	P. O. Box 1329	Monteagle	TN
First Community Bank Poeple's Community Branch	300 Sunset Drive	Johnson City	TN
U.S. Bank National Association Cookeville Jackson Branch	Two West Jackson Street	Cookeville	TN
Regions Bank Nashville Tn Main Branch	One Nashville Place 150 4th Avenue N	Nashville	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
First-Citizens Bank & Trust Company Royal Oaks Branch	228 South Royal Oaks Boulevard	Franklin	TN

See rates for Online Banks →

See rates for Credit Unions →

BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

PRODUCT INFORMATION

Certificates of Deposit - Branch Banks 2025

A certificate of deposit (CD) is a savings product offered by a bank in which a depositor (someone who has money to put into the bank) agrees to commit a certain amount of money for a set period of time, in return for a fixed rate of interest. While it is possible to withdraw the money earlier (breaking the CD) doing so comes with high interest penalties and is generally not advised.

CD Terms

The time period in which money is held in a certificate of deposit is called the term. Terms can run for any period of time but in general, banks use the following terms: 3 months, 6 months, 12 months, 18 months, 24 months, 36 months, 48 months, and 60 months. Terms can either be described in months or years. The term that is right for each individual depends on their goals, the rate they which to earn, and their future plans for the money. In general, if rates are going up, savers should avoid putting the money into a long-term CD. If rates are going down, then the opposite is true, and savers should try and lock into a good rate for an extended period of time. In stable rate environments, CDs that are over 12 months in length can enable depositors to pick up a slight premium over savings accounts.

CD Risk

Almost all banks provide CDs to their consumers and they have been a mainstay of savers and retirement accounts for years. If FDIC insured, the CD represents a safe place to put money that will generate a predictable return.

Inflation is the main risk of a CD. Inflation can often run higher than the inflation adjusted return on a CD, thus eroding the value of the money stored in the CD over time. This is especially true for longer-term CDs opened in low interest rate environments.

How Interest is Paid

The method of distributing the interest earned on a CD varies by bank. Some banks pay interest monthly, other semi-annually, and others at the maturity of the CD. One advantage of a branch-based bank is that a depositor can walk into the bank and receive their interest that day in the form of a check. Online banks tend to use electronic funds transfer or check via mail.

Interest Rate

Since the financial crisis in 2008, CDs have become less popular because the yields they offer have dropped precipitously, making it difficult for retirees and savers to generate sufficient income. But investors looking for a place to stash some cash might still find CDs an attractive place for some of their savings. 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.

ADVANTAGES AND DISADVANTAGES

The advantages of a Certificate of Deposit from a branch bank are:

Funds deposited in FDIC banks and within insurance limits are protected by the full faith and credit of the United States government.
CDs provide a predictable, set rate of return.
Depositors can walk into a local branch and open the CD and fund it that day. Question and inquiries can also be handles in-person.

The disadvantages of branch-based CDs are:

The deposited money is committed for a certain period of time and can only be withdrawn with substantial penalties.
One year CDs from branch banks often pay less interest than from online banks. Please see those rates here.

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

Find out how much extra money you can earn by moving your bank money into an account that pays more.

Use or Change these Amounts And Rates

Cash Savings

Product:

Average Rate:

Best Rate:

Years at Rate:

Tax Rate:

CD Products by State

CD Products by City in Tennessee

CD Resources

Download a Free eBook

Bank On It:
The No Risk Way To Boost Your Savings

Download

BestCashCow
Guide To Credit Card Travel Rewards

Download

65 Questions to Ask before Choosing a CD

Download

The Insider's Guide
to
Mortgages

Download

Plan and Optimize Your Finances

Tennessee CD Rates

Branches Info around zip 98109

PRODUCT INFORMATION

Certificates of Deposit - Branch Banks 2025

CD Terms

CD Risk

How Interest is Paid

Interest Rate

ADVANTAGES AND DISADVANTAGES

The advantages of a Certificate of Deposit from a branch bank are:

The disadvantages of branch-based CDs are:

SAVINGS & CD CALCULATOR

CD Products by State

CD Products by City in Tennessee

Download a Free eBook