Tennessee

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CD Rates – 4-Year – Rogersville, Tennessee

You are viewing local cd rates from banks around: Tennessee, TN 10007

 

Below are four-year CD Rates from banks that are located within 20 miles of your location. Four Year Certificates of Deposit (CD) are not as popular as the three and five year terms which means the rates often aren’t as competitive. The best four-year cd rates are often only marginally above the 3-year rates. Nevertheless, for those who want to lock in a rate for a longer period of time, 4-year cds are worth a look.

Rogersville, TN - July 3, 2025

4 Year CD National Average : 0.82% ?

Banks APY MIN MILES ?

Rate History: 1.00% → 1.30% → 1.40%

| Nov 17, 2020

Is notarie services available today at a woodforest on wilkinson blvd Read More

1.20%

$10,000

20.93

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1.06%

$10,000

20.93

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1.05%

$10,000

18.83

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| 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

1.00%

$10,000

18.81

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| Aug 26, 2020

JeanJennings6 Read More

| Mar 1, 2021

And yet again. Two more CD rates offered on this date only on this site not by the bank. Read More

0.80%

$1,000

2.87

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0.75%

$10,000

22.31

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0.70%

$10,000

23.34

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| Aug 26, 2020

JeanJennings6 Read More

0.65%

$1,000

14.31

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| Dec 30, 2018

Garden14 Read More

Rate History: 0.03% → 0.05%

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
Woodforest National Bank
Pennington Gap Wal-Mart Branch
468 Trade Center Lane Jonesville VA
Powell Valley National Bank
Powell Valley National Bank Branch
33785 Main Street Jonesville VA
Lee Bank and Trust Company
Jonesville Branch
32739 Main Street Jonesville VA
Heritage Community Bank
Myers Street Branch
1435 70 Bypass Greeneville TN
Thread Bank
Sneedville Branch
161 West Main Street Sneedville TN
Greeneville Federal Bank, FSB
Greeneville Federal Bank, Fsb Branch
101 West Summer Street Greeneville TN
Apex Bank
W Main Street Branch
1118 W Main St Greeneville TN
First Century Bank
Sneedville Branch
108 Main Street Sneedville TN
First Community Bank of East Tennessee
Rogersville Branch
4331 Highway 66 South Rogersville TN
Andrew Johnson Bank
Morristown Branch
435 West First North Street Morristown TN
New Peoples Bank, Inc.
Gate City Office Branch
663 East Jackson Street Gate City VA
Apex Bank
W Main Street Branch
1118 W Main St Greeneville TN
Citizens Bank
Citizens Bank Branch
150 South Central Avenue Church Hill TN
First Horizon Bank
Morristown Plaza Branch
1908 West Andrew Johnson Highway Morristown TN
Regions Bank
Colonial Loan Association Branch
1369 West Andrew Johnson Highway, Suite 100 Morristown TN
Regions Bank
Colonial Loan Association Branch
1369 West Andrew Johnson Highway, Suite 100 Morristown TN


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

PRODUCT INFORMATION

Four Year CDs - Branch Banks 2025

Four year CDs are a longer-term CD and offer a fixed rate for 4 years in return for a commitment to keep the money in the bank for this period of time. While savers can withdraw the money (termed "breaking the CD") high penalties make this undesirable. Generally, an individual should not invest in a four year CD unless they are comfortable parting with the money for this period of time.

Safety

Four year CDs from FDIC insured banks are insured up to FDIC limits (generally $250,000 per account holder per bank). If your deposit is over the FDIC limit then you may not receive the uninsured money in case of a bank failure. For this who remain within FDIC limits, the principal threat is inflation. The value of longer-term CDs are especially prone to be eaten away by inflation, especially if the CD is opened in a rising rate environment.

Interest

Four year CDs currently pay between .40-.60 percentage points more in interest than a one year CD. In general, CDs of this duration are best opened as part of a laddered CD portfolio or if the depositor thinks that rates will either stagnate or drop over the next couple of years. To get a sense of rate trends, please visit our BestCashCow rate analysis page.

ADVANTAGES AND DISADVANTAGES OF FOUR YEAR CDs

Advantages of four year CDs

  • 4 year CDs provide a fixed rate for the term of the CD
  • The rate is higher than a savings account or a 1 year CD to compensate for the longer term.
  • Branch-opened CDs can be done quickly in one day.

Disadvantages of four year CDs

  • The saver's money is locked away for four years unless they want to break the CD and pay a penalty.
  • In a rising rate environment, inflation will reduce the value of the money in the CD over time.
  • Branch CDs require the saver to visit a branch and be subjected to cross-sell pitches and other marketing tactics.

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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