Deposits held and insured by INSBANK

Overview / Commentary
2106 Crestmoor Road
Nashville, TN 37215
Deposits held and insured by INSBANK

Finworth is a digital banking division of INSBANK, a Tennessee state-chartered bank and Member FDIC (Certificate #35521). Deposits at INSBANK and Finworth are combined for the purpose of calculating FDIC insurance limits and are not separately insured.

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5.38% APY On 12-Month CD - 4/7/2024

Finworth's 12-month CD now earns 5.38% APY. $50k min/$240k max deposit.

Reviews (5)

Very Good CD Rates

Posted by: |

This bank, at the time I opened a 14 month cd, had a very competitive rate. Opening account was very easy and straight forward. You can link an external account and fund your cd or withdraw your interest on cd or the principal once your term is ended. No need to open useless checking or saving to transfer money if you want only a cd account.
My emails were responded within day and did not have any problem regarding communications. I did not have to call this bank so far that is a good sign.
I did not found this bank on but it has a A+ rating and continuing deposit growth.

Great Bank

Posted by: |

I have never had a problem I get my interest monthly they ACH into my external personal checking account like clockwork Breanna really knows stuff.

No Return Calls

Posted by: |

This company does not answer phone calls.

It doesn't matter what time of day.

If you leave a msg they may return your call.

Horrible Bank

Posted by: |

Denied my application, got to the steps where I answered 3 question about my past addresses and then it denied me.

No Way To Reach Customer Service On Phone

i called so many times and each time it just says to leave a message. I don't think they actually have anyone answering phones there and so i don't trust opening an account where i can't reach anyone during business hours.


Data as of Q1 2024

Data displayed below is for insuring bank: INSBANK
Learn why bank health matters

Health Grade Components

FDIC Certificate #35521
Year Established2000
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.05%
Return on Equity - YTD9.3%
Annual Interest Income$12.6MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$824.9MM$785MM
LoansQ1 2024vs Q1 2023$668.2MM$651.8MM
DepositsQ1 2024vs Q1 2023$671.8MM$629.1MM
Equity CapitalQ1 2024vs Q1 2023$94.7MM$88.1MM
Loan Loss AllowanceQ1 2024vs Q1 2023$9.3MM$9.4MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$7.6MM$2.3MM
Real Estate OwnedQ1 2024vs Q1 2023$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Finworth Money Market Rates

2.53%*$250k*-Benefactor Account
OTHER TIERS: 2.22% $10k - $50k | 2.38% $50k - $250k

Finworth CD Rates

5.35%$50k$240k12 Month CD
5.20%$50k$240k14 Month CD
4.75%$50k$240k18 Month CD
4.65%$50k$240k22 Month CD
3.30%$50k$240k3 Year CD
3.20%$50k$240k2 Year CD
2.52%$50k$240k6 Month CD
2.27%$50k$240k90 Day CD

Finworth is an Internet only bank and does not have branch locations. Its headquarters is located at 2106 Crestmoor Road - Nashville, TN 37215

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.