Bank · FDIC insured
Tennessee State Bank Savings Rates
Tennessee State Bank’s best savings rate is 0.40% APY on $10,000, with its Money Market. Rates checked October 15, 2026.
How Tennessee State Bank’s savings rates compare
Compared with banks and credit unions near Sevierville, TN, where Tennessee State Bank has the most branches. $10,000, best rate first.
This bank’s best
Tennessee State Bank
0.40%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $40
Money Market
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
Tennessee State Bank savings score
77
Savings score
Higher than 44% of U.S. banks and credit unions
- $1,000 balance$1,0000.20%
- $10,000 balance$10,0000.40%
- $100,000 balance$100,0001.81%
- 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 Tennessee State 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.
Money Market
0.40%APY
Monthly Minimum Balance Service Charge of $10 if Daily Balance drops below $2,500 any day of the statement cycle; Excess Debit Fee of $4 if withdrawal/transfer exceeds six per calendar month
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $2,500Daily balance below $2,500 | 0.35% | — | Daily balance below $2,500 |
| $2,500 – $15,000Daily balance $2,500-$14,999.99 | 0.40% | $40 | Daily balance $2,500-$14,999.99 |
| $15,000 – $25,000Daily balance $15,000-$24,999.99 | 0.80% | — | Daily balance $15,000-$24,999.99 |
| $25,000 – $50,000Daily balance $25,000-$49,999.99 | 1.20% | — | Daily balance $25,000-$49,999.99 |
| $50,000 – $100,000Daily balance $50,000 - $99,999.99 | 1.50% | — | Daily balance $50,000 - $99,999.99 |
| $100,000 and upDaily balance $100,000 or more | 1.81% | — | Daily balance $100,000 or more |
Just Savings
0.20%APY
Quarterly Minimum Balance Service Charge of $3 if Daily Balance drops below $100 any day of the quarter. No minimum Daily Balance required to earn interest. $4 Excess Debit Fee for each withdrawal/transfer exceeding six per calendar month (applies to online/electronic transfers, check, draft, or debit card).
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Special-purpose accounts
Christmas Club
0.20%APY
No service charge. No minimum Daily Balance required to earn interest. Account balance payout issued by check or direct deposit to TSB Checking or Savings account each November. May make two withdrawals each year; excess withdrawals subject account to closure.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
Minor Savings
0.20%APY
Primary account holder must be age 18 or below. No service charge. No minimum Daily Balance required to earn interest.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.20% | $20 |
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.