What are the current interest rates at Coffee County Bank?

Current rates for Coffee County Bank include: Savings: 0.25%

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Coffee County Bank

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Coffee County Bank Rates & Review August 2026

Q: How many branches does Coffee County Bank operate?

Coffee County Bank currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Coffee County Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Coffee County Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: August 28, 2026

Coffee County Bank's savings rates are at 0.25%. MonitorBankRates evaluates the financial stability of Coffee County Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.54%. Rates last updated and verified on 08/28/2026.

Coffee County Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Coffee County Bank? Share your experience about Coffee County Bank by leaving a review below, or read customer reviews before you decide to use Coffee County Bank.

Verified Strong Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.54%

Excellent Lower than avg

Coffee County Bank

2070 Hillsboro Blvd
Manchester, TN 37355

https://www.coffeecountybank.com

Coffee County Bank Savings Rates

Product	Rate	APY	View More
Better Savings	0.25%	0.25%
Min Deposit $100 Min Balance $50 Details Interest is calculated using the Daily Balance Method by applying the daily periodic rate to the principal in the account each day. Interest will be compounded every month and added back to the principal every month. If you close the account before interest is credited you will not receive the accrued interest. During any calendar month you may not make more than six (6) withdrawals or transfers. Exceeding the four (4) withdrawals or transfers limitations in a statement cycle will result in a $3 charge per transaction over four (4). Applicants must be 18 years of age or older to open an account. Applicants under the age of 18 applying for an account must have an adult co-owner (18 years of age or older) on the account. Rates are subject to change. APY is accurate as of 03/03/2025. Fees may reduce earnings. Member FDIC. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%

Coffee County Bank Checking Rates

Product	Rate	APY
Better Interest Checking	-	4.50%
Min Deposit $100 Details Qualifications Required: One recurring ACH credit or debit per monthly qualification cycle required; Minimum 12 debit card transactions per monthly qualification cycle required; No monthly service charge with eStatement enrollment $3 monthly service charge for paper statements Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Better Interest Checking	-	0.40%
Min Balance $100,000 Details Qualifications Required: at least one ACH credit or debit; a minimum of 12 debit card transactions per monthly qualification cycle; Balances over $100,000 will earn 0.40% APY. Fees could reduce earnings on account. No limit on the number of deposits. Account uses daily balancing method. Limit of one (1) Better Interest Checking account per social security number. Rates are subject to change without notice. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%
Better Interest Checking	-	0.05%
Details Qualifications Required: at least one ACH credit or debit; a minimum of 12 debit card transactions per monthly qualification cycle; Non-qualifying accounts earn up to 0.05% APY. Fees could reduce earnings on account. No limit on the number of deposits. Account uses daily balancing method. Limit of one (1) Better Interest Checking account per social security number. Rates are subject to change without notice. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.54%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Coffee County Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Coffee County Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Coffee County Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Coffee County Bank

Bank Holding Company COFFEE COUNTY BANCSHARES INC

Address 2070 Hillsboro Blvd, Manchester, TN 37355 · Coffee

Website https://www.coffeecountybank.com

FDIC Certificate # 22090

Established 08/15/1975

FDIC Insurance Date 08/15/1975

Domestic Offices 4

Total Branches 4

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.54%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 2.2006%

Return on Equity (ROE) 27.8600%

Non-Performing Loans (NPL) 0.10%

Total Assets $422,389,000

Total Deposits $381,298,000

Equity Capital $37,376,000

Net Income $9,181,000

Headquarters Manchester

Total Branches and Offices 4

Source: FDIC | Last Updated 12/31/2025

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Frequently Asked Questions About Coffee County Bank

How many branches does Coffee County Bank operate?

Coffee County Bank currently maintains approximately 4 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Coffee County Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Coffee County Bank provides members with tools to manage their accounts and build a solid financial history.

Does Coffee County Bank offer online and mobile banking?

Most modern institutions like Coffee County Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.coffeecountybank.com.