Bank · FDIC insured
Mountain Valley Bank Savings Rates
Mountain Valley Bank’s best savings rate is 1.06% APY on $10,000, with its Mountain Valley Money Market. Rates checked October 15, 2026.
How Mountain Valley Bank’s savings rates compare
Compared with banks and credit unions near Chattanooga, TN-GA, where Mountain Valley Bank has the most branches. $10,000, best rate first.
This bank’s best
Mountain Valley Bank
1.06%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $106
Mountain Valley Money Market
Top rate
SmartBank
4.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
2nd-highest rate
FirstBank
3.40%APY
- Requires
- Another account
- Minimum
- $50
- Earns on $10,000 a year
- $340
Mountain Valley Bank savings score
86
Savings score
Higher than 74% of U.S. banks and credit unions
- $1,000 balance$1,0001.06%
- $10,000 balance$10,0001.06%
- $100,000 balance$100,0001.31%
- QualifiedQualified1.06%
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 Mountain Valley Bank 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.
Mountain Valley Money Market
1.06%APY
No minimum balance. No Checks. No Debit Card.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $1,000 – $100,000 | 1.06% | $106 |
| $100,000 – $500,000 | 1.31% | — |
| $500,000 – $1,000,000 | 1.56% | — |
| $1,000,000 and up | 2.02% | — |
Sources (2)
- mtnvalleybankonline.com/deposi…ain-vallery-money-market
- mtnvalleybankonline.com/deposi…al-and-business-accounts
All captured Sep 18, 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.