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Home Federal Bank of Tennessee Rates & Review April 2026

Home Federal Bank of Tennessee's 6 MO Certificate of Deposit rates are at 3.50%, 90-179 DAYS Jumbo CD rates are at 3.50%, 9 MO Certificate of Deposit rates are at 3.25%, 270-365 DAYS Jumbo CD rates are at 3.25%, 18 MO Certificate of Deposit rates are at 3.00%. MonitorBankRates evaluates the financial stability of Home Federal Bank of Tennessee with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 13.35%. Rates were last updated on 04/17/2026.

Home Federal Bank of Tennessee 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 Home Federal Bank of Tennessee? Share your experience about Home Federal Bank of Tennessee by leaving a review below, or read customer reviews before you decide to use Home Federal Bank of Tennessee.

Overall Health & Safety Grade ?
A
Excellent Health Score: 93/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
13.35%
Excellent Higher than avg
Home Federal Bank of Tennessee
515 Market St
Knoxville, TN 37902
https://www.homefederalbanktn.com
Member FDIC

Home Federal Bank of Tennessee CD Rates

Product Rate APY Term View More
6 MO Certificate of Deposit 3.44% 3.50% 6 MO
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.35%
90-179 DAYS Jumbo CD 3.44% 3.50% 90-179 DAYS
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.35%
9 MO Certificate of Deposit 3.20% 3.25% 9 MO
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.35%
270-365 DAYS Jumbo CD 3.20% 3.25% 270-365 DAYS
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.35%
18 MO Certificate of Deposit 2.96% 3.00% 18 MO
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.35%
4YR Certificate of Deposit 2.72% 2.75% 4YR
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.35%
3 YR Certificate of Deposit 2.47% 2.50% 3 YR
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.35%
3 MO Certificate of Deposit 1.98% 2.00% 3 MO
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.35%
14-59 DAYS Jumbo CD 1.98% 2.00% 14-59 DAYS
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.35%

Home Federal Bank of Tennessee Home Equity & HELOC

Product Rate Points APR Term View More
HELOC Special Promotion - - 4.99%
Details Intro rate expires: 6 months; Regular APR: 6.75%
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.35%
Home Equity Line of Credit - - 4.99%
Details Special Promotion Now Available; Intro rate expires: 6 months; Regular APR: 6.75%
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A
Health Grade
Texas Ratio: 13.35%

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Home Federal Bank of Tennessee 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 Home Federal Bank of Tennessee 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 Home Federal Bank of Tennessee's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Home Federal Bank of Tennessee
FDIC Certificate # 29683
Address 515 Market St, Knoxville, TN 37902  ·  Knox
Established 06/15/1936
FDIC Insurance Date 08/09/1989
Domestic Offices 23
Total Branches 23
Regulator OCC
FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A
Overall Health Grade Score: 93/100
5.0
Exceptional Out of 5.0 Stars
13.35%
Texas Ratio Nat'l avg: 5.85%
Return on Assets (ROA) 0.0602%
Return on Equity (ROE) 0.3800%
Non-Performing Loans (NPL) 2.18%
Total Assets $2,730,135,000
Total Deposits $2,162,549,000
Equity Capital $455,089,000
Net Income $5,618,000
Headquarters Knoxville
Total Offices 23
Source: FDIC  |  Last Updated 12/31/2025

Customer Reviews

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Frequently Asked Questions About Home Federal Bank of Tennessee

Is Home Federal Bank of Tennessee a safe place to deposit money?

Yes, Home Federal Bank of Tennessee is considered a safe financial institution. With a Texas Ratio of 13.348870345358%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does Home Federal Bank of Tennessee operate?

Home Federal Bank of Tennessee currently maintains approximately 23 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, Home Federal Bank of Tennessee 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, Home Federal Bank of Tennessee provides members with tools to manage their accounts and build a solid financial history.

Does Home Federal Bank of Tennessee offer online and mobile banking?

Most modern institutions like Home Federal Bank of Tennessee 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.homefederalbanktn.com.