Civic Bank & Trust, based in Nashville, has an 18 month special certificate of deposit.
The bank is offering 1.50% APY on the CDs. You can avail the deal on a minimum deposit of $5,000. The rate is better than that offered on 24 month CDs nationally.
With the CD, the bank is offering an additional bonus – at any point, during the 18 month term, savers can add to the balance in multiples of $1,000.