Bank · FDIC insured
Carroll Bank & Trust Savings Rates
Carroll Bank & Trust’s best savings rate is 0.80% APY on $10,000, with its Twin Oaks Flex Money Market Savings Account. Rates checked October 15, 2026.
How Carroll Bank & Trust’s savings rates compare
Compared with banks and credit unions near Jackson, TN, where Carroll Bank & Trust has the most branches. $10,000, best rate first.
This bank’s best
Carroll Bank & Trust
0.80%APY
- Minimum
- $10,000
- Earns on $10,000 a year
- $80
Twin Oaks Flex Money Market Savings Account
Top rate
Community Bank
3.75%APY
- Minimum
- $1,500
- Earns on $10,000 a year
- $375
2nd-highest rate
Leaders Credit Union
3.50%APY
- Minimum
- $0
- Earns on $10,000 a year
- $350
Carroll Bank & Trust savings score
82
Savings score
Higher than 58% of U.S. banks and credit unions
- $10,000 balance$10,0000.80%
- $100,000 balance$100,0001.55%
- QualifiedQualified0.80%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Carroll Bank & Trust ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Twin Oaks Flex Money Market Savings Account
0.80%APY
Variable rate account where rate moves with the Wall Street Journal Prime Rate (tiered interest rate may increase or decrease a minimum of 0.10% APY with each 0.25% change in WSJ Prime Rate). Three withdrawals allowed per statement cycle; more than three withdrawals will result in a $7.50 service charge. Inactive accounts over 12 months with balance less than $50.00 charged $5.00 per month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Tier 1: Daily balance $0.00 to $9,999.99. | 0.00% | — | Tier 1: Daily balance $0.00 to $9,999.99. |
| $10,000 – $50,000Tier 2: Daily balance $10,000.00 to $49,999.99. | 0.80% | $80 | Tier 2: Daily balance $10,000.00 to $49,999.99. |
| $50,000 – $100,000Tier 3: Daily balance $50,000.00 to $99,999.99. | 1.10% | — | Tier 3: Daily balance $50,000.00 to $99,999.99. |
| $100,000 – $250,000Tier 4: Daily balance $100,000.00 to $249,999.99. | 1.55% | — | Tier 4: Daily balance $100,000.00 to $249,999.99. |
| $250,000 – $500,000Tier 5: Daily balance $250,000.00 to $499,999.99. | 2.90% | — | Tier 5: Daily balance $250,000.00 to $499,999.99. |
| $500,000 and upTier 6: Daily balance $500,000.00 and above. | 4.00% | — | Tier 6: Daily balance $500,000.00 and above. |
Sources (1)
- carrollbank.com/personal-banking/personal-savings · captured Oct 5, 2026
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