Bank · FDIC insured
First National Bank of Middle Tennessee Savings Rates
First National Bank of Middle Tennessee’s best savings rate is 0.30% APY on $10,000, with its FiRST Money Market Tier. Rates checked October 15, 2026.
How First National Bank of Middle Tennessee’s savings rates compare
Compared with banks and credit unions near Nashville, TN, where First National Bank of Middle Tennessee has the most branches. $10,000, best rate first.
This bank’s best
First National Bank of Middle Tennessee
0.30%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $30
FiRST Money Market Tier
Top rate
SmartBank
4.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
2nd-highest rate
Republic Bank
3.75%APY
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000 a year
- $375
First National Bank of Middle Tennessee savings score
72
Savings score
Higher than 32% of U.S. banks and credit unions
- $10,000 balance$10,0000.30%
- $100,000 balance$100,0000.65%
- QualifiedQualified0.30%
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 First National Bank of Middle Tennessee 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.
FiRST Money Market Tier
0.30%APY
$2,500 minimum deposit required to open account. $10 monthly fee if daily balance falls below $2,500. $5.00 monthly fee per statement if you do not receive eStatements. $3.00 per limited transactions over 6 each month.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $50,000Tier 1: Balances of $.01 - $50,000. $10 monthly fee if daily balance falls below $2,500; $5.00 monthly fee per statement if you do not receive eStatements. | 0.30% | $30 | Tier 1: Balances of $.01 - $50,000. $10 monthly fee if daily balance falls below $2,500; $5.00 monthly fee per statement if you do not receive eStatements. |
| $50,001 – $100,000Tier 2: Balances of $50,001 - $100,000. $10 monthly fee if daily balance falls below $2,500; $5.00 monthly fee per statement if you do not receive eStatements. | 0.65% | — | Tier 2: Balances of $50,001 - $100,000. $10 monthly fee if daily balance falls below $2,500; $5.00 monthly fee per statement if you do not receive eStatements. |
| $100,001 – $250,000Tier 3: Balances of $100,001 - $250,000. $10 monthly fee if daily balance falls below $2,500; $5.00 monthly fee per statement if you do not receive eStatements. | 1.21% | — | Tier 3: Balances of $100,001 - $250,000. $10 monthly fee if daily balance falls below $2,500; $5.00 monthly fee per statement if you do not receive eStatements. |
| $250,001 – $500,000Tier 4: Balances of $250,001 - $500,000. $10 monthly fee if daily balance falls below $2,500; $5.00 monthly fee per statement if you do not receive eStatements. | 2.38% | — | Tier 4: Balances of $250,001 - $500,000. $10 monthly fee if daily balance falls below $2,500; $5.00 monthly fee per statement if you do not receive eStatements. |
| $500,001 – $1,000,000Tier 5: Balances of $500,001 - $1MM. $10 monthly fee if daily balance falls below $2,500; $5.00 monthly fee per statement if you do not receive eStatements. | 3.04% | — | Tier 5: Balances of $500,001 - $1MM. $10 monthly fee if daily balance falls below $2,500; $5.00 monthly fee per statement if you do not receive eStatements. |
| $1,000,000 and upTier 6: Balances greater than $1MM. $10 monthly fee if daily balance falls below $2,500; $5.00 monthly fee per statement if you do not receive eStatements. | 3.56% | — | Tier 6: Balances greater than $1MM. $10 monthly fee if daily balance falls below $2,500; $5.00 monthly fee per statement if you do not receive eStatements. |
Sources (1)
- fnbmt.com/personal/accounts/mmda-money-market-tier · captured Sep 24, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.