We provide a decomposition that is sufficient in showing when a symmetric tridiagonal matrix $A$ is completely positive. Our decomposition can be applied to a wide range of matrices. We give alternate proofs for a number of related results found in the literature in a simple, straightforward manner. We show that the cp-rank of any irreducible tridiagonal doubly stochastic matrix is equal to its rank. We then consider symmetric pentadiagonal matrices, proving some analogous results, and providing two different decompositions sufficient for complete positivity. We illustrate our constructions with a number of examples.