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 Personal Banking 

Saving your money is great. Growing it is even better.

Flying Piggy Bank With Wings

4.9 Average Google Rating

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Explore Our Personal Banking Solutions

12-month CD

4.75

APY

Minimum opening balance only $500

Savings Account

3.00

APY

Minimum opening balance only $100

Interest Checking

1.00

APY

Minimum opening balance only $1000

Diversify Your Financial Portfolio with Our Comprehensive Banking Services

THE EXPERIENCE YOU DESERVE

Security

With FDIC insurance and real-time alerts, you can rest assured knowing your money is safe.

Simplicity

Our team is passionate about making things easy for you, so you can focus on what's important to you.

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Commitment

We strive to offer exceptional service and support, helping our clients reach their goals.

Finally, a bank that lets your money work smarter.

We have proudly served our clients and community for over 112 years, and we'll continue to do so for many years to come.

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High Annual Percentage Yields
High-yield savings right in Tipton County, TN. 

Minimum Deposit Options
Start investing without a hefty initial commitment. 

Simple Online Banking
Manage your accounts from anywhere, anytime. 

FDIC Insured up to $250,000
Your investment is secure and protected.

We reward you for banking with us, not the other way around.

Flying Piggy Bank With Wings

TRACK YOUR SAVINGS ON-THE-GO

Easy Account Transfers

Move your funds among connected Brighton Bank accounts to benefit from a competitive savings rate.

Mobile Check Deposit

Deposit checks at your convenience from anywhere. Simply snap a photo of the check using your phone.

Brighton Mobile App In Phone Display

Multiple Accounts

Create multiple high-yield Savings accounts, each dedicated to a different financial goal.  

Custom Tracking

Stay informed and in control with custom alerts and notifications, ensuring you're always up-to-date on your account activity.

Download the Brighton Bank App

Start exploring (and enjoying) everything we have to offer.

  Testimonials  
What our clients are saying 

Melissa Sartain

"I've been a customer of Brighton Bank since 2002 and always receive excellent customer care.  The entire process was streamlined and communication was easy. I look forward to many more banking years with them!"

Questions?
We're here to help.

We're committed to offering personalized guidance to enhance your savings and help you reach your financial goals. 

In Person

By Phone

Have more questions?

(901) 476-5353

CD


Certificate of Deposit (CD) Account Terms

Welcome to Brighton Bank, where we offer Certificate of Deposit (CD) Accounts to help you grow your savings securely. As a proud member of the FDIC, your deposits with us are insured per FDIC regulations.

Interest Rate and Annual Percentage Yields (APY):  

12-Month Certificate of Deposit (CD) Offer:

  • Interest Rate: 4.75%

  • Annual Percentage Yield (APY): 4.75%

The interest rate you receive when opening your account will not change until maturity. Interest accrues daily from the first business day of depositing non-cash items (e.g., checks) and is credited to you at the account's maturity. Interest is not compounded.

Minimum Balance and Deposit Requirements:

   - Opening Deposit: A minimum of $500.00 is required to open and earn on your CD account.

   - Additional Deposits: No additional deposits are allowed after the account is opened.

   - Withdrawals: If you withdraw any of the principal before the maturity date, we may impose a penalty of all accrued interest will be forfeited on withdrawals.

Calculating Your Interest:  We use the daily balance method to calculate your interest. This method applies a daily rate to the principal in the account each day.

Term and Maturity Information:  The CD account has a fixed term for 12 months.

Upon maturity, you'll have a 10-day grace period to withdraw funds without penalty. If not withdrawn, your CD will automatically renew under the same term.

Early Withdrawal Penalties:  Withdrawing any part of the principal before the maturity date will result in the forfeiture of all accrued interest.

Monthly Service Fee: $0.00

Renewal Policy: Your CD account will automatically renew at maturity for the same term unless you take action during the 10-day grace period following the maturity date.

Investing in a CD with Brighton Bank means choosing a safe and secure way to grow your savings. We're here to help you every step of the way.

Please note that the Annual Percentage Yields (APYs) stated here are accurate as of 5/20/2024 but are subject to change at any time.

Savings Disclaimer  

The following describes the terms that apply to participation in the Brighton Bank Consumer Interest Savings Account offered by Brighton Bank, Member FDIC.   

Rate Information: Brighton Banks Savings Account is an interest-bearing account. The interest rate on the account is 2.97%, with an annual percentage yield of 3.00%.  

The interest rate and annual percentage yield may change. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded quarterly and will be credited to the account quarterly. Closing the account before the designated interest crediting date will result in the forfeiture of any accrued interest. Please be advised that the Institution reserves the right to adjust the account's interest rate as deemed appropriate. 

Daily Balance Method: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield.   

Brighton Bank Savings Account's Annual Percentage Yield (APY) is variable and may change at any time after the account is opened.   

Minimum Deposit: The minimum deposit to open a new Brighton Bank Savings Account and qualify for a 3.00% APY is $100.00. 

Minimum Balance: The minimum balance amount required to qualify for the 3.00% APY for Consumer Interest Checking is $100.00.   

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $100.00 in the account each day to obtain the disclosed annual percentage yield.  

Limitations: You must deposit $100.00 to open this account. You may make six (6) transfers from your account each four (4) week or similar period, if by preauthorized or automatic transfer, or telephone (including data transmission) agreement, order or instruction, or by check, draft, debit card or similar order (including POS transactions), made by the depositor and payable to third parties. Transfers and withdrawals made in person, by messenger, mail, or at an ATM are unlimited.  

Excessive Withdrawal Fee: A $5.00 per withdrawal fee will be imposed after the sixth withdrawal of the month.  

Monthly Account Service Fees: At Brighton Bank, we offer a zero monthly account service fee option for clients who choose to receive their account statements electronically through E-statements. Clients opting for Electronic Statements will not be subject to monthly account service fees. Clients not selecting the Electronic Statements option will be charged a $15 monthly account service fee for every statement cycle unless a client maintains a minimum daily balance of $100.00 or elects E statements through online banking.     

This fee covers the additional administrative costs associated with printing, mailing, and delivering paper statements to your designated address. For members who choose a Non-Electronic Paper Statement option, account fees can influence the total amount of earnings on the account. When fees are applied to your account, they are deducted from your account balance, which can subsequently decrease the amount of money available to earn interest. As a result, the total earnings on your account may be reduced. Our account fee policy is subject to change at any time.  

Please note that the Annual Percentage Yields (APYs) stated here are accurate as of 5/20/2024 but are subject to change at any time. It is important to keep in mind that fees may also affect your earnings.   

Additional terms, conditions, and third-party fees for internet, messaging, or data plans may apply.

Savings
Checking

Additional terms, conditions, and third-party fees for internet, messaging, or data plans may apply.

Interest Checking Disclaimer  

The following describes the terms that apply to participation in the Brighton Bank Plus Consumer Interest Checking offered by Brighton Bank, Member FDIC.

Rate Information: This Account is an interest-bearing account. The interest rate on the account is 1.00%, with an annual percentage yield of 1.00%.

The interest rate and annual percentage yield may change. Interest begins to accrue on the business day you deposit noncash items (for example, checks). Interest will be compounded monthly and will be credited to the account monthly. Closing the account before the designated interest crediting date will result in the forfeiture of any accrued interest. Please be advised that the Institution reserves the right to adjust the account's interest rate as deemed appropriate.

Minimum Deposit: The minimum deposit amount required to open a new account and to qualify for the 1.00% APY for Consumer Interest Checking is $1,000.00.

Minimum Balance: The minimum balance amount required to qualify for the 1.00% APY for Consumer Interest Checking is $1,000.00.

Balance Information: We use the daily balance method to calculate the interest on the account. This method applies a daily periodic rate to the principal in the account each day. You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.

Limitations: You must deposit $1,000.00 to open this account.

Monthly Account Service Fees: At Brighton Bank, we offer a no-account fee option for clients who choose to receive their account statements electronically. Clients opting for Electronic Statements will not be subject to monthly account service fees. Clients not selecting the Electronic Statements option will be charged a monthly account service fee of $15 if the account's daily balance falls below $1,000.00 any day of the month.

This fee covers the additional administrative costs associated with printing, mailing, and delivering paper statements to your designated address.

For members who choose a Non-Electronic Paper Statement option, account fees can influence the total amount of earnings on the account. When fees are applied to your account, they are deducted from your account balance,  which can subsequently decrease the amount of money available to earn interest. As a result, the total earnings on your account may be reduced. Our account fee policy is subject to change at any time.

Please note that the Annual Percentage Yields (APYs) stated here are accurate as of 5/20/2024 but are subject to change at any time. 


*Brighton Bank is a member of the FDIC and does not provide more than $250,000 of FDIC insurance per legal category of account ownership, as described in the FDIC's regulations.

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