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CBBC Bank Review

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CBBC Bank Savings
0.05% APY
1. Overview 2. How We Rated It 3. Products Offered 4. Branch Locations


CBBC Bank was founded in 1973 and its headquarters are located in Maryville, Tennessee. CBBC Bank owns assets of $351 million along with deposits totaling $298 million, making it a small bank. CBBC Bank lacks premium access to support representatives, with no options for live chat or all-day service. It is a traditional brick-and-mortar bank with access to service representatives at a physical location, in addition to its online and mobile apps. We ranked CBBC Bank at a 3.8 stars out of 5, indicating that it is an acceptable bank choice, but may leave you wanting more. CBBC Bank has a complete array of banking products, which include savings accounts, checking accounts, money market accounts, CDs, IRAs, mortgage products and credit cards. It has a fair savings rate; you can find higher rates with other banks. The bank's standard checking product features a $4.00 monthly fee, making it a rather pricey bank for checking. Institutions that offer free checking, in addition to a high savings APY are your best option for accruing the highest income from your deposits while having easy access to your funds.

How We Rated It

SmartAsset's Overall Rating

National Average: 4.1

The overall rating is a weighted average of rates, fees, service quality and financial health.Read more


SmartAsset Average: 3.5

With a savings rate of 0.05%, CBBC Bank ranks poorly as compared against the national average. Its CDs feature a rate of 1.00% and 1.00% for the one-year and five-year term lengths, respectively, while its highest-yielding money market account has a rate of 0.35%. Given its below average savings rate, you should consider opting for higher earning savings accounts with other banks.

How CBBC Bank's Savings Rates Compare

CBBC Bank Savings 0.05 National Average 0.26 Compare Offers
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SmartAsset Average: 4.4

CBBC Bank has generally high fees compared to the average U.S. bank. Its checking account has a monthly fee of $4.00, ranking it fair for anyone looking for a simple account. CBBC Bank doesn't reimburse out-of-network ATM fees, which means you'll need to search for a CBBC Bank ATM or accept the withdrawal fee.

Monthly Fee $4.00 National Average: $3.21
Non-network ATM Fee N/A National Average: $1.20
Overdraft Fee N/A National Average: $35.00
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Service Quality

SmartAsset Average: 3.7

CBBC Bank is a brick-and-mortar bank, with eight total branches in Tennessee. With mobile and web apps, CBBC Bank makes mobile banking convenient, even on the go. CBBC Bank receives moderate reviews from users for its mobile platform. With 27 ratings across both iOS and Android platforms, the CBBC Bank mobile app has an overall rating of 3.9 out of 5 (compared to the national average of 3.8). You can use CBBC Bank's mobile app to manage your accounts by looking at monthly statements, sending and receiving money and accessing customer service. CBBC Bank receives a superb consumer satisfaction score due to relatively few complaints filed with the Consumer Financial Protection Bureau (CFPB), a government-sponsored consumer protection agency.

Overall Mobile Rating 3.9/5
Consumer Satisfaction Rating 5.0/5
Online Banking Portal No
Live Chat No
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Financial Health

SmartAsset Average: 4.8

CBBC Bank is a small bank owning assets totaling $351 million and deposits totaling $298 million. It has an excellent Texas Ratio of 0.00%, indicating a negligible chance of failure. Additionally, CBBC Bank is FDIC-insured, meaning that your money is insured up to $250,000, even in the event of bank failure.

Texas Ratio Analysis

The Texas Ratio, a measure of a "bad assets" against available capital, can provide an early warning sign of bank failure. A low ratio indicates smaller chance of failure; a higher ratio suggests greater risk.

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Compare CBBC Bank to Other Competitive Offers

Products Offered

Product Current Terms and Rates Minimum Balance for APY
Savings Account 0.05% APY $100
Certificates of Deposit
  • 12 Month: 1.00% APY
  • 24 Month: 1.00% APY
  • 36 Month: 1.00% APY
  • 48 Month: 1.00% APY
  • 60 Month: 1.00% APY
$500 for all terms
Money Market Account 0.35% APY $2500

CBBC Bank has several deposit products including savings accounts, checking accounts, money market accounts and CDs to give you many options to manage your money. CBBC Bank does not have the best savings rate, which means you should think about taking a look elsewhere for banks that deliver more return for your money. CDs can be a terrific option to achieve higher returns, but there are limitations to accessing your money. CBBC Bank's CD rates are fair in comparison to the average U.S. bank.

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Find a CBBC Bank Near Me

CBBC Bank has eight physical branches in the U.S.

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