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You are viewing rates from banks across Johnson City
Below are the best one-year CD Rates from banks in Johnson City, 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.
Johnson City, TN - September 20, 2026
1 Year CD National Average : 0.55% ?
| Banks | APY | MIN | MILES ? | ||
|---|---|---|---|---|---|
| 4.35% | $100,000 | - |
Learn More on the North American Savings Bank website |
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Take your savings to the next level with our 12-month online CD special! |
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4.25% |
$10,000 |
- |
Learn More
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Warning: Early Withdrawal Penalty is 270 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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4.20% |
$2,500 |
- |
Learn More
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Early Withdrawal Penalty is 90 days interest. |
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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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4.20% |
$1,000 |
- |
Learn More
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Early Withdrawal Penalty is 90 days interest. |
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Savvysaver | Jun 26, 2020 Rate not current Read More |
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4.01% |
$500 |
2.27 |
Learn More
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Rate History: 3.18% → 4.01% |
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4.00% |
$1,000 |
- |
Learn More
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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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4.00% |
$25,000 |
- |
Learn More
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Early Withdrawal Penalty is 6 months interest. |
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79Thru | Mar 21, 2023 Parent seems to be owned by a large Chilean bank. Not saying this is good or bad, but it is complication, especially in the current environment. Read More |
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3.80% |
$500 |
- |
Learn More
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Rate History: 3.80% → 3.70% → 3.80% → 3.80% → 3.80% |
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2 Months with Vio Bank | Sep 4, 2025 And I discovered that they play bait and switch and have no problems lying. This system won't let me give it zero or negative stars so I have given it one, but that is at least one too many. Read More |
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3.25% |
$1,000 |
22.33 |
Learn More
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Rate History: 2.70% → 3.25% → 3.00% → 3.00% → 3.25% |
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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 |
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2.00% |
$500 |
3.53 |
Learn More
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Rate History: 0.01% → 2.00% |
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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 |
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0.50% |
$1,000 |
9.18 |
Learn More
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0.47% |
$10,000 |
18.87 |
Learn More
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0.40% |
$10,000 |
18.40 |
Learn More
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0.40% |
$1,000 |
18.95 |
Learn More
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0.40% |
$10,000 |
6.12 |
Learn More
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0.40% |
$10,000 |
13.54 |
Learn More
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0.30% |
$10,000 |
5.58 |
Learn More
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0.30% |
$10,000 |
20.89 |
Learn More
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0.30% |
$10,000 |
18.21 |
Learn More
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0.25% |
$10,000 |
8.45 |
Learn More
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rand | Mar 25, 2019 CDs shown are not offered in Knoxville area Read More |
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0.25% |
$1,000 |
3.13 |
Learn More
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0.25% |
$10,000 |
18.32 |
Learn More
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0.20% |
$1,000 |
- |
Learn More
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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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0.17% |
$10,000 |
5.58 |
Learn More
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0.10% |
$1,000 |
18.96 |
Learn More
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D R Lineberger | Dec 30, 2018 Garden14 Read More |
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0.10% |
$10,000 |
5.58 |
Learn More
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0.03% 0.01% |
$501 $500 |
19.03 |
Learn More
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BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.
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.
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.
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.
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.
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.
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.
Use or Change these Amounts And Rates
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Last Update on September 19, 2026
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