Tennessee

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Nashville, Tennessee CD Rates

You are viewing rates from banks across Nashville

 

Below are the best one-year CD Rates from banks in Nashville, 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.

Nashville, TN - July 5, 2025

1 Year CD National Average : 0.55% ?

Banks APY MIN MILES ?

Rate History: 4.90% → 4.70% → 4.55% → 4.30% → 4.46%

| Jul 7, 2022

Insbank 1 yr is 1.5 % 18month is 1.6% 7-7-2022 Read More

Rate History: 3.00% → 3.50% → 4.00% → 3.55% → 3.75%

| 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

Rate History: 4.70% → 4.00% → 4.30% → 3.30% → 3.49%

| Nov 12, 2018

Helpful w/$ Read More

Rate History: 3.75% → 4.25% → 3.75% → 3.51% → 3.25%

| 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

Rate History: 3.04% → 2.48%

Rate History: 2.00% → 1.50% → 3.25% → 2.00%

| 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

0.65%

$10,000

4.52

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0.60%

$10,000

23.89

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0.60%

$100,000

6.44

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0.55%

$10,000

23.96

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0.50%

$10,000

4.30

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0.50%

$10,000

6.44

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| May 20, 2017

I received a check from them, misplaced it and now have found. Two years old. What now? Read More

0.47%

$10,000

2.09

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0.45%

$10,000

16.04

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0.42%

$10,000

19.49

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| Dec 5, 2018

This bank is telling me that an IRA CD is only 0.90% Read More

0.40%

$10,000

23.10

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0.35%

$10,000

22.79

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| Jan 30, 2020

Rate no longer available Read More

0.30%

$10,000

7.19

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0.30%

$10,000

20.63

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0.30%

$10,000

13.04

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| Mar 25, 2019

CDs shown are not offered in Knoxville area Read More

| Mar 5, 2019

Pinnacle has not had a 3% CD since Oct of 2018. Read More

| Dec 30, 2018

Garden14 Read More

| 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

| 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

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 Nashville, TN - July 5, 2025


Branch Street City State
InsBank
Insbank Branch
2106 Crestmoor Road Nashville TN
Truist Bank
Green Hills Branch
2207 Crestmoor Rd Ste 100 Nashville TN
Fifth Third Bank, National Association
Fairview Branch
2191 Fairview Boulevard West Fairview TN
Bank of America, National Association
Bank Of America, National Association Branch
211 Fairview Boulevard North Fairview TN
City National Bank
Nashville Branch
54 Music Square East, Suite 100 Nashville TN
Wells Fargo Bank, National Association
Bellevue Branch
7514 Highway 70 South Nashville TN
Citizens Savings Bank and Trust Company
Clarksville Hwy. Branch
3930 Clarksville Hwy. Nashville TN
Volunteer Bank
Springfield Branch
2112 Memorial Blvd Springfield TN
CedarStone Bank
Donelson Branch
2800 Lebanon Pike Nashville TN
The Farmers Bank
Springfield Branch
1203 Memorial Boulevard Springfield TN
Legends Bank
Green Hills Branch
2213 Crestmoor Road Nashville TN
CedarStone Bank
Donelson Branch
2800 Lebanon Pike Nashville TN
Republic Bank & Trust Company
Cool Springs Branch
113 Seaboard Lane Franklin TN
Bank of Tennessee
Nashville Branch
2525 West End Street Nashville TN
First Farmers and Merchants Bank
Mcewen Branch
1536 West Mcewen Drive Franklin TN
Southern Bank of Tennessee
Smyrna Branch
403 S Lowry St Smyrna TN
First Federal Bank
302 Fairview Blvd Branch
302 Fairview Blvd Fairview TN
F&M Bank
Springfield Branch
3519 Tom Austin Highway Springfield TN
FirstBank
Fairview Branch
2202 Fairview Boulevard Fairview TN
First Citizens National Bank
Franklin Financial Center Branch
1304 Murfreesboro Road Franklin TN
FSNB, National Association
Fsnb - Nashville Charlotte Pike Walm Branch
7044 Charlotte Pike Nashville TN
Wilson Bank and Trust
Wilson Bank And Trust Loan Productio Branch
161 Harold Court Franklin TN
First Freedom Bank
Mt. Juliet Branch
12888 Lebanon Road Mount Juliet TN
Renasant Bank
Nashville Green Hills Branch
2200 Abbott Martin Road, Suite 101 Nashville TN
Pinnacle Bank
Ashland City Branch
524 South Main Street Ashland City TN
First Horizon Bank
Cool Springs Branch
501 Corporate Center Suite 160 Franklin TN
U.S. Bank National Association
Ashland City Branch
311 North Main Street Ashland City TN
Regions Bank
Belle Forest Branch
181 Belle Forrest Circle Nashville TN
Regions Bank
Belle Forest Branch
181 Belle Forrest Circle Nashville TN
Fifth Third Bank, National Association
Fairview Branch
2191 Fairview Boulevard West Fairview TN
First-Citizens Bank & Trust Company
Royal Oaks Branch
228 South Royal Oaks Boulevard Franklin TN


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.

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