Volunteer State Bank Rates and Review February 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Volunteer State Bank's 6-Month CD/IRA rates are at 2.78%, 12-Month CD/IRA rates are at 2.63%, 18-Month CD/IRA rates are at 2.52%, 3-Month CD/IRA rates are at 2.52%, 5 Year CD/IRA rates are at 2.47%. Volunteer State Bank's savings rates are at 0.20%. Volunteer State Bank's money market rates are at 0.25%.
Rate Updates and AvailabilityVolunteer State 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 Volunteer State Bank? Share your experience about Volunteer State Bank by leaving a review below, or read customer reviews before you decide to use Volunteer State Bank. Volunteer State Bank Texas RatioVolunteer State Bank's Texas Ratio is at 2.51%, which is considered excellent. The Texas Ratio for Volunteer State Bank is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing. MonitorBankRates Rating
5.0
Excellent
Out of 5.0 Stars
Volunteer State Bank has earned a Smart Rating of 5.0 out of 5 stars. 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. Overall, Volunteer State Bank is a excellent bank worth considering, with an overall rating of 5.0 stars out of 5 stars. Current Interest RatesRate
APY/APR
vs. Avg
"N/A" indicates the product is not offered or the rate is unavailable. 
Volunteer State Bank CD Rates
Volunteer State Bank Savings Rates
Volunteer State Bank Money Market Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Volunteer State 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 Volunteer State 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 Volunteer State Bank's official website for the most current offers and terms.
Bank Profile & OverviewVolunteer State Bank
101 Highway 52 WPortland, TN 37148 Sumner Established Date: 04/15/1977 FDIC Certificate #: 22451 Date of FDIC Deposit Insurance: 04/15/1977 Bank Holding Company: VOLUNTEER STATE BANCSHARES INC How Many Domestic U.S. Offices? 15 How Many Branches are There? 15 Website: https://www.volstatebank.com
Is Volunteer State Bank FDIC Insured? Yes
What is Volunteer State Bank's Cert number? 22451
What is the maximum amount for insured deposits? $250,000 per holder, per account
Financial Health & AssetsTotal Assets:
$1,110,718,000
Total Deposits:
$911,604,000
Equity Capital:
$135,222,000
Net Income:
$1,708,000
Return on Assets (ROA):
1.0568%
Return on Equity (ROE):
8.1600%
Headquarters:
Portland
Regulator:
FDIC
# of Offices:
15
Source: FDIC | Last Updated 03/31/2024
Customer ReviewsThere are no reviews for Volunteer State Bank yet. Feel free to create one below.
Add Your Rating and Review for Volunteer State Bank
Frequently Asked Questions About Volunteer State BankHow do I open an account at Volunteer State Bank?You can typically open an account at Volunteer State Bank by visiting a local branch or applying through their official website. Is there a first-time homebuyer program?Currently, Volunteer State Bank provides a range of mortgage and home equity products. Is Volunteer State Bank a safe place to deposit money?Yes, Volunteer State Bank is considered a safe financial institution. Your accounts are federally insured by the FDIC up to $250,000 per depositor. Does Volunteer State Bank offer online and mobile banking?Most modern institutions like Volunteer State Bank provide digital access including online balance checks and transfers. Compare to other Banks |
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