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Image Courtesy: www.pixabay.com
You are viewing rates from banks across Tennessee
Below are three-year CD Rates from banks in Tennessee. Three-years is an intermediate term for CDs and as the term increases the yield will generally go up as well. Three year CDs are a popular component of many CD ladders and usually offer a good tradeoff between yield and how long you must keep the money locked in.
TN - December 4, 2024
3 Year CD National Average : 0.75% ?
| Banks | APY | MIN | MILES ? | |
|---|---|---|---|---|
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3.98% |
$1,000 |
- |
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3.60% |
$0 |
- |
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Rate History: 4.10% → 4.00% → 3.75% → 3.60% |
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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 |
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3.60% |
$0 |
- |
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Rate History: 3.25% → 3.60% |
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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 |
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3.10% |
$500 |
- |
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|
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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 |
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3.10% |
$5,000 |
- |
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Dana E. | Mar 20, 2016 Good solid bank. Read More |
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3.00% |
$1,000 |
- |
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2.55% |
$1,000 |
- |
Learn More
|
|
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Rate History: 2.75% → 2.55% |
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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 |
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2.50% |
$1,000 |
- |
Learn More
|
|
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Rate History: 4.30% → 0.55% → 5.10% → 0.55% → 2.50% |
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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 |
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2.00% |
$0 |
- |
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|
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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 |
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2.00% |
$10,000 |
- |
Learn More
|
|
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Rate History: 3.00% → 2.50% → 2.00% |
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Hayley7788d@outlook.com | Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More |
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1.70% |
$1,000 |
- |
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1.66% |
$10,000 |
- |
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|
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Rate History: 2.02% → 1.66% |
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|
1.15% |
$100,000 |
- |
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1.10% |
$100,000 |
- |
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1.10% |
$10,000 |
- |
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1.10% |
$10,000 |
- |
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1.01% |
$10,000 |
- |
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1.00% |
$10,000 |
- |
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1.00% |
$10,000 |
- |
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1.00% |
$10,000 |
- |
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1.00% |
$10,000 |
- |
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1.00% |
$10,000 |
- |
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1.00% |
$10,000 |
- |
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1.00% |
$10,000 |
- |
Learn More
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1.00% |
$10,000 |
- |
Learn More
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|
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Rate History: 3.51% → 1.00% → 3.51% → 1.00% |
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Turonemckinney17@gmail.com | May 19, 2018 Experience Read More |
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0.95% |
$100,000 |
- |
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0.95% |
$100,000 |
- |
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0.95% |
$10,000 |
- |
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jenningsjerome56@gmail.com | Aug 26, 2020 JeanJennings6 Read More |
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0.95% |
$10,000 |
- |
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0.95% |
$10,000 |
- |
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0.90% |
$10,000 |
- |
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0.90% |
$10,000 |
- |
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Jennifer | Jan 21, 2022 SC Read More |
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0.90% |
$100,000 |
- |
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0.90% |
$100,000 |
- |
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0.90% |
$10,000 |
- |
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0.90% |
$10,000 |
- |
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0.90% |
$10,000 |
- |
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0.90% |
$10,000 |
- |
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0.90% |
$10,000 |
- |
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0.87% |
$10,000 |
- |
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|
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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 |
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0.85% |
$1,000 |
- |
Learn More
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0.85% |
$10,000 |
- |
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0.85% |
$10,000 |
- |
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0.85% |
$10,000 |
- |
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0.85% |
$10,000 |
- |
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0.85% |
$10,000 |
- |
Learn More
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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 |
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0.85% |
$10,000 |
- |
Learn More
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0.80% |
$10,000 |
- |
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0.80% |
$10,000 |
- |
Learn More
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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 |
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0.80% |
$10,000 |
- |
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0.80% |
$10,000 |
- |
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0.80% |
$10,000 |
- |
Learn More
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0.76% |
$10,000 |
- |
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0.75% |
$10,000 |
- |
Learn More
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0.75% |
$10,000 |
- |
Learn More
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0.75% |
$10,000 |
- |
Learn More
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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 |
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0.75% |
$1,000 |
- |
Learn More
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0.75% |
$10,000 |
- |
Learn More
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0.75% |
$10,000 |
- |
Learn More
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0.75% |
$10,000 |
- |
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0.71% |
$10,000 |
- |
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0.70% |
$10,000 |
- |
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0.70% |
$10,000 |
- |
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0.70% |
$1,000 |
- |
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0.70% |
$10,000 |
- |
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0.69% |
$10,000 |
- |
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0.69% |
$10,000 |
- |
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0.65% |
$10,000 |
- |
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0.65% |
$10,000 |
- |
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0.65% |
$10,000 |
- |
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0.65% |
$10,000 |
- |
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0.65% |
$10,000 |
- |
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0.65% |
$10,000 |
- |
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0.60% |
$10,000 |
- |
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0.60% |
$10,000 |
- |
Learn More
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0.60% |
$10,000 |
- |
Learn More
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0.60% |
$1,000 |
- |
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0.60% |
$10,000 |
- |
Learn More
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0.60% |
$10,000 |
- |
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0.60% |
$10,000 |
- |
Learn More
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Terry | Jun 7, 2018 Fabulous bank Read More |
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0.60% |
$10,000 |
- |
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0.60% |
$10,000 |
- |
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0.60% |
$1,000 |
- |
Learn More
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0.55% |
$1,000 |
- |
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0.55% |
$10,000 |
- |
Learn More
|
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Sam Love | Sep 30, 2021 No Read More |
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0.55% |
$10,000 |
- |
Learn More
|
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rand | Mar 25, 2019 CDs shown are not offered in Knoxville area Read More |
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0.55% |
$10,000 |
- |
Learn More
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0.53% |
$100,000 |
- |
Learn More
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|
0.52% |
$100 |
- |
Learn More
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|
|
jenningsjerome56@gmail.com | Aug 26, 2020 JeanJennings6 Read More |
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0.50% |
$1,000 |
- |
Learn More
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0.50% |
$10,000 |
- |
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0.50% |
$10,000 |
- |
Learn More
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Customer | Jan 30, 2020 Rate no longer available Read More |
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0.50% |
$10,000 |
- |
Learn More
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0.50% |
$10,000 |
- |
Learn More
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0.50% |
$10,000 |
- |
Learn More
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0.50% |
$10,000 |
- |
Learn More
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jchitt@comcast.nrt | Mar 5, 2019 Pinnacle has not had a 3% CD since Oct of 2018. Read More |
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0.50% |
$10,000 |
- |
Learn More
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0.50% |
$10,000 |
- |
Learn More
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JEKuhn | May 20, 2017 I received a check from them, misplaced it and now have found. Two years old. What now? Read More |
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0.50% |
$10,000 |
- |
Learn More
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0.50% |
$10,000 |
- |
Learn More
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0.50% |
$10,000 |
- |
Learn More
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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 |
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0.50% |
$500 |
- |
Learn More
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0.50% |
$10,000 |
- |
Learn More
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0.50% |
$10,000 |
- |
Learn More
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0.48% |
$10,000 |
- |
Learn More
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0.45% |
$10,000 |
- |
Learn More
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0.45% |
$10,000 |
- |
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0.45% |
$10,000 |
- |
Learn More
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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 |
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0.45% |
$10,000 |
- |
Learn More
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0.41% |
$500 |
- |
Learn More
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0.40% |
$1,000 |
- |
Learn More
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0.40% |
$10,000 |
- |
Learn More
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0.40% |
$10,000 |
- |
Learn More
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0.40% |
$10,000 |
- |
Learn More
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0.40% |
$10,000 |
- |
Learn More
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0.30% |
$100,000 |
- |
Learn More
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Julian | Aug 5, 2019 Wonderful new experience both in their personnel and their policies. A fresh approach to personal banking! Read More |
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0.25% |
$1,000 |
- |
Learn More
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GOb | Dec 18, 2023 They will not cash savings bonds for non-account holders Read More |
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0.25% |
$10,000 |
- |
Learn More
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? | Dec 5, 2018 This bank is telling me that an IRA CD is only 0.90% Read More |
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0.25% |
$10,000 |
- |
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% |
$10,000 |
- |
Learn More
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0.25% |
$10,000 |
- |
Learn More
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Julian | Aug 5, 2019 Wonderful new experience both in their personnel and their policies. A fresh approach to personal banking! Read More |
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0.25% |
$10,000 |
- |
Learn More
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0.24% |
$10,000 |
- |
Learn More
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0.19% |
$10,000 |
- |
Learn More
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0.10% |
$500 |
- |
Learn More
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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 |
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0.10% |
$1,000 |
- |
Learn More
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D R Lineberger | Dec 30, 2018 Garden14 Read More |
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0.05% 0.01% |
$2,501 $2,500 |
- |
Learn More
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Rate History: 0.03% → 0.05% |
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0.05% |
$500 |
- |
Learn More
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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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0.05% |
$2,500 |
- |
Learn More
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Rate History: 0.02% → 0.05% |
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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 |
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0.03% |
$25,000 |
- |
Learn More
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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 |
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0.03% |
$100,000 |
- |
Learn More
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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 |
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0.01% |
$500 |
- |
Learn More
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|
Juan Ricardo | Nov 12, 2018 Helpful w/$ Read 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 three year CD is an intermediate CD, sandwiched between the popular one and five year CD terms. Three year CD generally offer between .30 and .60 percentage points more than a 1 year CD. Currently, their average yield is comparable to the average yield of an online savings account Online savings accounts allow consumers to withdraw money at any time so consumers should consider whether they want to lock their money into a CD when there is little premium versus an online account.
The top 3 year CD rates, as listed on the rate table above, are significantly higher than online or offline savings account rates.
Another factor to consider when opening a 3 year CD is the rate environment. If interest rates are rising, it may not be advisable to lock money away for three years when rates will soon be higher. If rates are falling, and may do so for some time (as they did from 2008 through 2013), then it may make sense to open a 3, 4 or 5 year CD to lock into a higher rate before it drops. To get a sense of where rates might go, check out the BestCashCow rate analysis page.
While conventional wisdom holds that online banks always offer higher rates than branch-based banks, an analysis conducted by BestCashCow in 2012 showed that with longer term CDs (3 years or longer), small community based banks and credit unions can often be just as competitive or not more so. If you prefer to bank in person, then it is possible to get branch service and a high CD rate if you shop around a bit. The tables at the top of this page can provide you the best rates in your area.
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