Bank · FDIC insured
Home Federal Bank of Tennessee Savings Rates
Home Federal Bank of Tennessee’s best savings rate is 0.40% APY on $10,000, with its Statement Savings. Rates checked October 15, 2026.
How Home Federal Bank of Tennessee’s savings rates compare
Compared with banks and credit unions near Knoxville, TN, where Home Federal Bank of Tennessee has the most branches. $10,000, best rate first.
This bank’s best
Home Federal Bank of Tennessee
0.40%APY
- Minimum
- $1
- Earns on $10,000 a year
- $40
Statement Savings
Top rate
Knoxville TVA Employees Credit Union
4.28%APY
- Minimum
- $0
- Earns on $10,000 a year
- $428
2nd-highest rate
SmartBank
4.00%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
Home Federal Bank of Tennessee savings score
76
Savings score
Higher than 41% of U.S. banks and credit unions
- $1,000 balance$1,0000.40%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0000.40%
- QualifiedQualified0.40%
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 Home Federal Bank of 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.
Statement Savings
0.40%APY
Interest compounded daily and paid monthly on collected balances. $2.00 monthly maintenance fee if balance falls below $100.00. $2.00 monthly mailed statement fee waived by enrolling in e-statements.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and up$2.00 monthly maintenance fee if balance falls below $100.00; $2.00 monthly mailed statement fee waived by enrolling in e-statements.$50 and up | 0.40% | $40 | $2.00 monthly maintenance fee if balance falls below $100.00; $2.00 monthly mailed statement fee waived by enrolling in e-statements. |
Special-purpose accounts
IRA Money Market Investment
0.60%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $9,999 | 0.50% | — |
| $9,999 – $24,999 | 0.60% | $60 |
| $24,999 – $49,999 | 0.70% | — |
| $49,999 – $99,999 | 0.70% | — |
| $99,999 – $249,999 | 1.00% | — |
| $249,999 – $499,999 | 1.00% | — |
| $499,999 – $999,999 | 1.00% | — |
| Over $999,999 | 1.16% | — |
Sources (1)
- homefederalbanktn.com/rates/in…idual-retirement-account · captured Oct 15, 2026
Christmas Club Savings
0.40%APY
No monthly maintenance fee. Interest is compounded daily and paid with the annual club payout in mid-October or at account closure.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1 and upInterest compounded daily and paid with the annual club payout in mid-October or at account closure.$1 and up | 0.40% | $40 | Interest compounded daily and paid with the annual club payout in mid-October or at account closure. |
Smart Start Student Savings
0.40%APY
For students / teens and young adults ages 13-25. No monthly service charge. Interest compounded daily and paid monthly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceFor students under the age of 25 (eligible ages 13-25).Any balance | 0.40% | $40 | For students under the age of 25 (eligible ages 13-25). |
Health Savings Account (HSA)
0.10%APY
Tax-exempt account established exclusively for paying or reimbursing qualified medical expenses. 2025 Contribution Limits: $4,300 Self-Only, $8,550 Family; 2026 Contribution Limits: $4,400 Self-Only, $8,750 Family; $1,000 additional catch-up for eligible individuals age 55 or older not enrolled in Medicare. Tiered rate determined by account balance. Interest compounded daily and paid monthly.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $4,999Tiered rate paid on full balance. | 0.10% | — | Tiered rate paid on full balance. |
| $4,999 – $9,999Tiered rate paid on full balance. | 0.10% | — | Tiered rate paid on full balance. |
| $9,999 – $24,999Tiered rate paid on full balance. | 0.10% | $10 | Tiered rate paid on full balance. |
| $24,999 – $99,999Tiered rate paid on full balance. | 0.10% | — | Tiered rate paid on full balance. |
| Over $99,999Tiered rate paid on full balance. | 0.10% | — | Tiered rate paid on full balance. |
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.