CDs & IRAs

Certificates of Deposit (CD)

This is a popular choice for an individual who prefers the security of knowing that there is a guaranteed rate of return on funds deposited for a specific period. Tennessee Bank & Trust's CDs offer a wide range of maturity dates, competitive rates, and the option to automatically renew upon maturity.

Certificate of Deposit Account Registry Service (CDARS)

CDARS allows depositors to place large deposits in one bank, yet receive FDIC insurance for amounts up to $50 Million. They can combine the convenience of working with one institution with the security of FDIC insurance - an increasingly important factor in today's economy. CD rates are set by the institution, so customers avoid the need to negotiate rates with several different banks and receive only one statement for all of the funds. To inquire about CDARS, please contact one of our associates at a Tennessee Bank & Trust branch near you. Click here for more information.

Individual Retirement Account (IRA)

This tax-advantaged Individual Retirement Account allows clients to contribute a portion of their earned income to build a secure future. Tennessee Bank & Trust offers Traditional, ROTH, and SEP IRAs with terms ranging from one to five years. We will be happy to help you choose which the best fit is for you and your family!