Best CD Rates in Ripley, Tennessee, TN

You are viewing rates from banks across Ripley

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

Ripley, TN - July 8, 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)
Elizabethton Federal Savings Bank Elizabethton Federal Savings Bank Branch	4.08%	$500	-	Learn More Add Review
Truist Bank Athens Tn Main 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)
Fifth Third Bank, National Association Nashville Financial Center 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 Nashville Main 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)
City National Bank Nashville Branch	2.48%	$10,000	-	Learn More Add Review
Rate History: 3.04% → 2.48%
Wells Fargo Bank, National Association Nashville Main 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 First State Branch	0.95%	$10,000	-	Learn More
jenningsjerome56@gmail.com \| Aug 26, 2020 JeanJennings6 Read More Reviews (4)
Bank of Gleason Bank Of Gleason 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 Citizens Bank 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 Banking Company Branch	0.70%	$10,000	-	Learn More Add Review
Bank of Gleason Bank Of Gleason Branch	0.70%	$10,000	-	Learn More Add Review
First Commerce Bank First Commerce Bank Branch	0.70%	$10,000	-	Learn More Add Review
First Peoples Bank of Tennessee First Peoples Bank Of Tennessee Branch	0.70%	$100,000	-	Learn More Add Review
Carroll Bank and Trust Carroll Bank And Trust Branch	0.65%	$10,000	-	Learn More Add Review
Citizens Savings Bank and Trust Company Citizens Savings Bank And Trust Comp 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 The Bank Of Fayette County Branch	0.65%	$10,000	-	Learn More Add Review
Bank of Crockett Bank Of Crockett 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 First Community Bank Of Tennessee Branch	0.65%	$10,000	-	Learn More Add Review
Coffee County Bank Coffee County Bank Branch	0.60%	$10,000	-	Learn More Add Review
Independent Bank Independent Bank Branch	0.60%	$10,000	-	Learn More Add Review
Volunteer State Bank Orlinda Branch	0.60%	$10,000	-	Learn More Add Review
CedarStone Bank Cedarstone Bank Branch	0.60%	$100,000	-	Learn More Add Review
BankTennessee Banktennessee 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 Peoples Bank 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 The Farmers Bank 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 Carthage 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 Citizens Bank And Trust Company Of G Branch	0.55%	$10,000	-	Learn More Add Review
Citizens National Bank Citizens National Bank Branch	0.55%	$10,000	-	Learn More Add Review
Bank of Halls Bank Of Halls Branch	0.55%	$10,000	-	Learn More Add Review
INSOUTH Bank Insouth Bank 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 Bank Of Putnam County 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 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
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. Commerce Street 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 Cool Springs 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 Tnbank Branch	0.50%	$10,000	-	Learn More Add Review
Security Bank Security Bank Branch	0.50%	$10,000	-	Learn More Add Review
The Lauderdale County Bank The Lauderdale County Bank Branch	0.50%	$10,000	-	Learn More Add Review
Citizens Bank Citizens Bank Branch	0.50%	$10,000	-	Learn More Add Review
CBBC Bank Cbbc Bank Branch	0.50%	$10,000	-	Learn More Add Review
First Vision Bank of Tennessee First Vision Bank Of Tennessee Branch	0.49%	$10,000	-	Learn More Add Review
Apex Bank First State Branch	0.47%	$100	-	Learn More
jenningsjerome56@gmail.com \| Aug 26, 2020 JeanJennings6 Read More Reviews (4)
Bank of Tennessee East Elk Branch	0.47%	$10,000	-	Learn More Add Review
First Century Bank First Century Bank 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 Citizens Bank Branch	0.45%	$100,000	-	Learn More Add Review
First Farmers and Merchants Bank Lewisburg 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 Security Federal Savings Bank Of Mcm Branch	0.45%	$10,000	-	Learn More Add Review
First Peoples Bank of Tennessee First Peoples Bank Of Tennessee Branch	0.45%	$10,000	-	Learn More Add Review
Southern Bank of Tennessee Southern Bank Of Tennessee Branch	0.42%	$10,000	-	Learn More Add Review
First Volunteer Bank Jacksboro 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 Waverly 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 F&M Bank 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 First Trust And Savings Branch	0.40%	$10,000	-	Learn More Add Review
Commercial Bank New Tazewell Branch	0.40%	$10,000	-	Learn More Add Review
Citizens Bank Citizens Bank Branch	0.40%	$1,000	-	Learn More Add Review
Andrew Johnson Bank Andrew Johnson Bank 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 Mountain Commerce Bank Branch	0.40%	$10,000	-	Learn More Add Review
Greeneville Federal Bank, FSB Greeneville Federal Bank, Fsb Branch	0.40%	$10,000	-	Learn More Add Review
Heritage Community Bank Heritage Community Bank Branch	0.39%	$10,000	-	Learn More Add Review
Tower Community Bank South Pittsburg Branch	0.35%	$10,000	-	Learn More Add Review
FirstBank The Farmers Bank Of Lynchburg Branch	0.35%	$10,000	-	Learn More Add Review
First Citizens National Bank Troy/Harper 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 Highland Federal Savings And Loan As Branch	0.35%	$10,000	-	Learn More Add Review
Home Federal Bank of Tennessee Home Federal Bank Of Tennessee 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)
CB&S Bank, Inc. Farmers Bank/Branch	0.35%	$10,000	-	Learn More
Terry \| Jun 7, 2018 Fabulous bank Read More Reviews (1)
Community Bank Community Bank Branch	0.35%	$10,000	-	Learn More Add Review
Tennessee State Bank Tennessee State Bank 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 - Hermitage Walmart Branch	0.30%	$10,000	-	Learn More Add Review
Wilson Bank and Trust Wilson Bank And Trust Branch	0.30%	$10,000	-	Learn More Add Review
First Freedom Bank Jackson Bank & Trust Branch	0.30%	$10,000	-	Learn More Add Review
Citizens Bank Citizens Bank 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
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 Bells 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 Farmers Branch	0.25%	$10,000	-	Learn More Add Review
Pinnacle Bank Pinnacle Bank 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 Johnson City Branch	0.25%	$10,000	-	Learn More Add Review
Paragon Bank Paragon Bank Branch	0.25%	$10,000	-	Learn More Add Review
Citizens Tri-County Bank Tracy City Branch	0.25%	$10,000	-	Learn More Add Review
Newport Federal Bank Newport Federal Bank 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 First National Bank Of Pulaski 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 Volunteer Federal Savings Bank 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 Bank Of Bartlett Branch	0.15%	$1,000	-	Learn More Add Review
First National Bank of Tennessee First National Bank Of Tennessee Branch	0.15%	$10,000	-	Learn More Add Review
SouthEast Bank Spring City 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 Somerville Main 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 Peoples Bank Of East Tennessee Branch	0.15%	$10,000	-	Learn More Add Review
First Horizon Bank Greeneville Main Branch	0.10%	$1,000	-	Learn More
D R Lineberger \| Dec 30, 2018 Garden14 Read More Reviews (1)
SouthEast Bank Spring City 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 Mountain Valley Bank Branch	0.10%	$10,000	-	Learn More Add Review
First Community Bank Poeple's Community Branch	0.10%	$10,000	-	Learn More Add Review
U.S. Bank National Association Newport 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 Goodlettsville Branch	0.03% 0.01%	$2,501 $2,500	-	Learn More Add Review
First-Citizens Bank & Trust Company Nashville Demonbreun 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 10007

Branch	Street	City	State
InsBank Insbank Branch	2106 Crestmoor Road	Nashville	TN
Elizabethton Federal Savings Bank Elizabethton Federal Savings Bank Branch	112-114 North Sycamore Street	Elizabethton	TN
Truist Bank Athens Tn Main Branch	204 W. Washington Avenue	Athens	TN
Fifth Third Bank, National Association Nashville Financial Center Branch	424 Church Street, Sui5te 700	Nashville	TN
Bank of America, National Association Nashville Main Branch	414 Union Street	Nashville	TN
City National Bank Nashville Branch	54 Music Square East, Suite 100	Nashville	TN
Wells Fargo Bank, National Association Nashville Main Branch	230 Fourth Avenue North	Nashville	TN
Apex Bank First State Branch	118 S. Horton Pkwy,	Chapel Hill	TN
Bank of Gleason Bank Of Gleason Branch	203 Main Street	Gleason	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 Citizens Bank Branch	407 Main Street	Carthage	TN
ServisFirst Bank Nashville Branch	1801 West End Avenue	Nashville	TN
Greenfield Banking Company Greenfield Banking Company Branch	202 Front Street	Greenfield	TN
Bank of Gleason Bank Of Gleason Branch	203 Main Street	Gleason	TN
First Commerce Bank First Commerce Bank Branch	500 North Ellington Parkway	Lewisburg	TN
First Peoples Bank of Tennessee First Peoples Bank Of Tennessee Branch	206 West Broadway Boulevard	Jefferson City	TN
Carroll Bank and Trust Carroll Bank And Trust Branch	19510 West Main Street	Huntingdon	TN
Citizens Savings Bank and Trust Company Citizens Savings Bank And Trust Comp Branch	2013 Jefferson Street	Nashville	TN
Union Bank Union Bank Branch	311 North Main Street	Jamestown	TN
The Bank of Fayette County The Bank Of Fayette County Branch	1265 Hwy 57	Piperton	TN
Bank of Crockett Bank Of Crockett Branch	104 Main Street	Bells	TN
The Bank of Jackson The Bank Of Jackson Branch	558 Carriage House Drive	Jackson	TN
First Community Bank of Tennessee First Community Bank Of Tennessee Branch	207 Elm Street	Shelbyville	TN
Coffee County Bank Coffee County Bank Branch	2070 Hillsboro Boulevard	Manchester	TN
Independent Bank Independent Bank Branch	5050 Poplar Avenue	Memphis	TN
Volunteer Bank Orlinda Branch	1204 East Church Street	Orlinda	TN
CedarStone Bank Cedarstone Bank Branch	900 West Main Street	Lebanon	TN
BankTennessee Banktennessee Branch	1125 West Poplar Ave	Collierville	TN
Peoples Bank Peoples Bank Branch	129 Main Street	Clifton	TN
First Jackson Bank, Inc. South Pittsburg Branch	201 Battlecreek Road	South Pittsburg	TN
The Farmers Bank The Farmers Bank Branch	120 Village Drive	Portland	TN
TriStar Bank Tristar Bank Branch	719 East College Street	Dickson	TN
Citizens Bank of Lafayette Carthage Branch	50 Main Street North	Carthage	TN
Union Bank Union Bank Branch	311 North Main Street	Jamestown	TN
Citizens Bank and Trust Company of Grainger County Citizens Bank And Trust Company Of G Branch	8335 Rutledge Pike	Rutledge	TN
Citizens National Bank Citizens National Bank Branch	200 Forks Of The River Parkway	Sevierville	TN
Bank of Halls Bank Of Halls Branch	101 Main Street	Halls	TN
INSOUTH Bank Insouth Bank Branch	111 South Washington Street	Brownsville	TN
Miners Exchange Bank Gray Branch	5575 Bobby Hicks Hwy	Johnson City	TN
One Bank of Tennessee Bank Of Putnam County Branch	140 South Jefferson Street	Cookeville	TN
Foundation Bank Mckenzie Banking Company Branch	676 North Main Street	Mc Kenzie	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. Commerce Street Branch	325 Commerce Street	Clarksville	TN
CedarStone Bank Cedarstone Bank Branch	900 West Main Street	Lebanon	TN
Republic Bank & Trust Company Cool Springs Branch	113 Seaboard Lane	Franklin	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 Tnbank Branch	401 South Illinois Avenue	Oak Ridge	TN
Security Bank Security Bank Branch	602 West Main Street	Newbern	TN
The Lauderdale County Bank The Lauderdale County Bank Branch	305 South Church Street	Halls	TN
Citizens Bank Citizens Bank Branch	407 Main Street	Carthage	TN
CBBC Bank Cbbc Bank Branch	330 E Broadway Ave	Maryville	TN
First Vision Bank of Tennessee First Vision Bank Of Tennessee Branch	1401 North Jackson Street	Tullahoma	TN
Apex Bank First State Branch	118 S. Horton Pkwy,	Chapel Hill	TN
Bank of Tennessee East Elk Branch	601 Elk Avenue	Elizabethton	TN
First Century Bank First Century Bank Branch	1780 North Broad Street	Tazewell	TN
Citizens Bank Citizens Bank Branch	407 Main Street	Carthage	TN
First Farmers and Merchants Bank Lewisburg Branch	260 North Ellington Parkway	Lewisburg	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 Security Federal Savings Bank Of Mcm Branch	306 West Main Street	Mcminnville	TN
First Peoples Bank of Tennessee First Peoples Bank Of Tennessee Branch	206 West Broadway Boulevard	Jefferson City	TN
Southern Bank of Tennessee Southern Bank Of Tennessee Branch	1499 N Mt Juliet Rd	Mount Juliet	TN
Builtwell Bank Jacksboro Branch	301 Main St	Jacksboro	TN
First Federal Bank Waverly Branch	122 West Main Street	Waverly	TN
F&M Bank F&M Bank Branch	50 Franklin Street	Clarksville	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 First Trust And Savings Branch	106 Municipal Drive	Oneida	TN
Commercial Bank New Tazewell Branch	130 South Broad Street	New Tazewell	TN
Citizens Bank Citizens Bank Branch	300 Broad Street	Elizabethton	TN
Andrew Johnson Bank Andrew Johnson Bank Branch	124 North Main Street	Greeneville	TN
Millennium Bank Millennium Bank Branch	6392 Artesian Circle	Ooltewah	TN
Mountain Commerce Bank Mountain Commerce Bank Branch	6101 Kingston Pike	Knoxville	TN
Greeneville Federal Bank, FSB Greeneville Federal Bank, Fsb Branch	101 West Summer Street	Greeneville	TN
Heritage Community Bank Heritage Community Bank Branch	114 West Church Street	Greeneville	TN
Tower Community Bank South Pittsburg Branch	315 S. Cedar Avenue	South Pittsburg	TN
FirstBank The Farmers Bank Of Lynchburg Branch	71 Mechanic St. South	Lynchburg	TN
First Citizens National Bank Troy/Harper Branch	Harper Street	Troy	TN
Highland Federal Savings and Loan Association Highland Federal Savings And Loan As Branch	106 South Main St, Suite 103	Crossville	TN
Home Federal Bank of Tennessee Home Federal Bank Of Tennessee Branch	515 Market Street	Knoxville	TN
Thread Bank Civis Bank Branch	210 East Main Street	Rogersville	TN
CB&S Bank, Inc. Farmers Bank/Branch	131 South Main Street	Cornersville	TN
Community Bank Community Bank Branch	19 Natchez Trace Drive	Lexington	TN
Tennessee State Bank Tennessee State Bank Branch	2210 Parkway	Pigeon Forge	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 - Hermitage Walmart Branch	4424 Lebanon Pike	Hermitage	TN
Wilson Bank and Trust Wilson Bank And Trust Branch	623 West Main Street	Lebanon	TN
First Freedom Bank Jackson Bank & Trust Branch	307 Hull Ave	Gainesboro	TN
Citizens Bank Citizens Bank Branch	407 Main Street	Carthage	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	217 South James M. Campbell Boulevard	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 Bells Branch	32 E Main St	Bells	TN
TruPoint Bank Johnson City Branch	709 Medtech Pkwy	Johnson City	TN
Security Bank and Trust Company Farmers Branch	110 South Front Street	Puryear	TN
Pinnacle Bank Pinnacle Bank Branch	111 10th Avenue South, Suite 400	Nashville	TN
The First Bank and Trust Company Johnson City Branch	1185 North State Of Franklin Road	Johnson City	TN
Paragon Bank Paragon Bank Branch	5400 Poplar Avenue	Memphis	TN
Citizens Tri-County Bank Tracy City Branch	416 Railroad Avenue	Tracy City	TN
Newport Federal Bank Newport Federal Bank Branch	170 West Broadway	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 First National Bank Of Pulaski Branch	1600 Fishing Ford Road	Belfast	TN
Volunteer Federal Savings Bank Volunteer Federal Savings Bank Branch	108 Main Street	Madisonville	TN
First Community Bank Poeple's Community Branch	300 Sunset Drive	Johnson City	TN
Bank of Bartlett Bank Of Bartlett Branch	6281 Stage Road	Bartlett	TN
First National Bank of Tennessee First National Bank Of Tennessee Branch	214 East Main Street	Livingston	TN
SouthEast Bank Spring City Branch	285 Front Street	Spring City	TN
Trustmark National Bank Somerville Main Branch	16790 Us 64	Somerville	TN
Peoples Bank of East Tennessee Peoples Bank Of East Tennessee Branch	4511 Ushwy 411	Madisonville	TN
First Horizon Bank Greeneville Main Branch	100 North Main Street	Greeneville	TN
SouthEast Bank Spring City Branch	285 Front Street	Spring City	TN
Mountain Valley Bank Mountain Valley Bank Branch	17114 Rankin Avenue	Dunlap	TN
First Community Bank Poeple's Community Branch	300 Sunset Drive	Johnson City	TN
U.S. Bank National Association Newport Branch	301 East Main Street	Newport	TN
Regions Bank Goodlettsville Branch	112 Long Hollow Pike	Goodlettsville	TN
Regions Bank Goodlettsville Branch	112 Long Hollow Pike	Goodlettsville	TN
Fifth Third Bank, National Association Nashville Financial Center Branch	424 Church Street, Sui5te 700	Nashville	TN
First-Citizens Bank & Trust Company Nashville Demonbreun Branch	1534 Demonbreun Street	Nashville	TN

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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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Certificates of Deposit - Branch Banks 2025

CD Terms

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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:

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