What are the current interest rates at SouthEast Bank?

Current rates for SouthEast Bank include: 12-Month CD: 4.01%, 24-Month CD: 4.25%, Savings: 0.05%

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SouthEast Bank

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SouthEast Bank Rates & Review September 2026

Q: How many branches does SouthEast Bank operate?

SouthEast Bank currently maintains approximately 15 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, SouthEast 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, SouthEast 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: September 19, 2026

SouthEast Bank's 24-Month CD Special rates are at 4.25%, 12-Month CD Special rates are at 4.01%, 6-Month CD Special rates are at 3.90%. SouthEast Bank's savings rates are at 0.05%. MonitorBankRates evaluates the financial stability of SouthEast Bank with a 4.0 Star Rating, an C Overall Health Grade, and a Texas Ratio of 27.13%. Rates last updated and verified on 09/19/2026.

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

Overall Health & Safety Grade

Average Health Score: 76/100

MonitorBankRates Rating

4.0

Very Good Out of 5.0 Stars

Texas Ratio

27.13%

Good Higher than avg

Health Trend

Improving 12 quarters

Full history ›

SouthEast Bank

12700 Kingston Pike
Farragut, TN 37934

https://www.southeastbank.com

SouthEast Bank CD Rates

Product	Rate	APY	Term
24-Month CD Special	-	4.25%	24-Month
Min Deposit $1,000 Details Interest Compounded & Credited: Quarterly Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.13%
12-Month CD Special	-	4.01%	12-Month
Min Deposit $1,000 Details Interest Compounded & Credited: Quarterly Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.13%
6-Month CD Special	-	3.90%	6-Month
Min Deposit $1,000 Details Interest Compounded & Credited: Quarterly Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.13%

SouthEast Bank Savings Rates

Product	Rate	APY
Bonus Rate Savings	-	2.01%
Min Deposit $50 Details Qualifications Required: SouthEast Bank checking account with the Round Up feature; eStatements enrollment; 15 debit card purchases; APY for this tier will range from 2.01% to 0.27%, depending on the balance in the account. If bonus qualifications are not met during the statement cycle, the account will earn 0.05% APY. Limit one Bonus Rate Savings account per primary account holder tax ID. A $3 paper statement fee is waived when enrolled in eStatements or with a daily average account balance of $1,200 or a daily average relationship balance of $10,000; Unlimited check writing and unlimited withdrawals are subject to available funds. Fees may reduce earnings. Please see the Fee Schedule or speak with your local banker for a full list of fees that may apply. Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.13%
Bonus Rate Savings	-	0.05%
Min Deposit $50 Details If bonus qualifications are not met during the statement cycle, the account will earn 0.05% APY. Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.13%
Consumer Statement Savings	-	0.05%
Min Deposit $50 Details Interest is calculated based on the account's total daily balance and is credited quarterly. Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.13%

SouthEast Bank Checking Rates

Product	Rate	APY
Bonus Rate Checking	-	3.30%
Min Deposit $50 Details Qualifications Required: eStatements enrollment; 15 debit card purchases of $1 or more; APY for this tier will range from 3.30% to 0.47%, depending on the balance in the account. If bonus qualifications are not met during the statement cycle, the account will earn 0.05% APY. Limit one Bonus Rate Checking account per primary account holder tax ID. A $3 Paper Statement fee is waived by enrolling and receiving eStatements or having a daily average account balance of $1,200 or a daily average relationship balance of $10,000. Unlimited check writing and unlimited withdrawals are subject to available funds. Please see the Fee Schedule or speak with your local banker for a full list of fees that may apply. Fees may reduce earnings. Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.13%
Bonus Rate Checking	-	0.05%
Min Deposit $50 Details If bonus qualifications are not met during the statement cycle, the account will earn 0.05% APY. Last Updated 09/19/2026 Institution Ratings 4.0 Star Rating C Health Grade ◈ Texas Ratio: 27.13%

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.

Financial Health History

SouthEast Bank’s Texas Ratio fell from 31.66% in Q3 2023 to 27.13% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 3.6 to 4.0 and its Health Grade from C- to C. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$3.6B	27.13%	4.0	C
March 31, 2026	$3.6B	29.09%	3.8	C
December 31, 2025	$3.5B	35.56%	3.3	D
September 30, 2025	$3.4B	35.65%	3.3	D
June 30, 2025	$3.3B	35.07%	3.3	D
March 31, 2025	$3.3B	38.56%	3.0	D
December 31, 2024	$3.0B	21.80%	4.4	B
September 30, 2024	$2.9B	25.03%	4.2	C+
June 30, 2024	$2.8B	24.29%	4.2	B-
March 31, 2024	$2.9B	26.17%	4.1	C+
December 31, 2023	$2.9B	34.54%	3.4	D
September 30, 2023	$2.5B	31.66%	3.6	C-

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for SouthEast 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 SouthEast 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 SouthEast Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name SouthEast Bank

Bank Holding Company EDUCATION LOAN FINANCE INC

Address 12700 Kingston Pike, Farragut, TN 37934 · Knox

Website https://www.southeastbank.com

FDIC Certificate # 57348

Established 20020429

FDIC Insurance Date 20020429

Domestic Offices 15

Total Branches 15

Regulator FED

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 76/100

4.0

Very Good Out of 5.0 Stars

27.13%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.7513%

Return on Equity (ROE) 8.9100%

Non-Performing Loans (NPL) 2.31%

Total Assets $3,583,462,000

Total Deposits $3,228,362,000

Equity Capital $306,969,000

Net Income $13,328,000

Headquarters Farragut

Total Branches and Offices 15

Source: FDIC | Last Updated 06/30/2026

Customer Reviews

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Frequently Asked Questions About SouthEast Bank

How many branches does SouthEast Bank operate?

SouthEast Bank currently maintains approximately 15 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, SouthEast 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, SouthEast Bank provides members with tools to manage their accounts and build a solid financial history.

Does SouthEast Bank offer online and mobile banking?

Most modern institutions like SouthEast 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.southeastbank.com.