Bank · FDIC insured
Wayne County Bank Savings Rates
Wayne County Bank’s best savings rate is 2.07% APY on $10,000, with its Prime Money Market. Rates checked October 15, 2026.
How Wayne County Bank’s savings rates compare
Compared with banks and credit unions near Lawrenceburg, TN, where Wayne County Bank has the most branches. $10,000, best rate first.
This bank’s best
Wayne County Bank
2.07%APY
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000 a year
- $207
Prime Money Market
Top rate
Peoples Bank
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $1
- Earns on $10,000 a year
- $400
2nd-highest rate
First Farmers & Merchants Bank
2.78%APY
- Requires
- Another account
- Minimum
- $2,500
- Earns on $10,000 a year
- $278
Wayne County Bank savings score
89
Savings score
Higher than 90% of U.S. banks and credit unions
- $1,000 balance$1,0000.90%
- $10,000 balance$10,0002.07%
- $100,000 balance$100,0002.48%
- QualifiedQualified2.07%
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 Wayne County 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.
Prime Gold Money Market
2.48%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceA $25.00 monthly minimum balance fee is imposed if the balance falls below $75,000.00 on any day of the month.Any balance | 2.48% | $248 | A $25.00 monthly minimum balance fee is imposed if the balance falls below $75,000.00 on any day of the month. |
Sources (2)
- waynecountybank.com/_/kcms-doc…sit-Combo-Disclosure.pdf
- waynecountybank.com/personal/p…ney-market-accounts.html
All captured Oct 15, 2026
Prime Plus Money Market
2.22%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceA $15.00 monthly minimum balance fee is imposed if the balance falls below $30,000.00 on any day of the month.Any balance | 2.22% | $222 | A $15.00 monthly minimum balance fee is imposed if the balance falls below $30,000.00 on any day of the month. |
Sources (2)
- waynecountybank.com/_/kcms-doc…sit-Combo-Disclosure.pdf
- waynecountybank.com/personal/p…ney-market-accounts.html
All captured Oct 15, 2026
Prime Money Market
2.07%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceA $15.00 monthly minimum balance fee is imposed if the balance falls below $10,000.00 on any day of the month.Any balance | 2.07% | $207 | A $15.00 monthly minimum balance fee is imposed if the balance falls below $10,000.00 on any day of the month. |
Sources (2)
- waynecountybank.com/_/kcms-doc…sit-Combo-Disclosure.pdf
- waynecountybank.com/personal/p…ney-market-accounts.html
All captured Oct 15, 2026
Regular Savings
0.90%APY
A $3.00 monthly minimum balance fee is imposed if the account balance falls below $100.00 on any day of the month. A $1.00 fee is charged per withdrawal in excess of 6 withdrawals per monthly interest cycle.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable rate. Monthly minimum balance fee of $3.00 waived if minimum balance of $100.00 is maintained. $1.00 service fee for each withdrawal exceeding 6 per month.Any balance | 0.90% | $90 | Variable rate. Monthly minimum balance fee of $3.00 waived if minimum balance of $100.00 is maintained. $1.00 service fee for each withdrawal exceeding 6 per month. |
Special-purpose accounts
Health Savings Account (HSA)
0.90%APY
Eligible adults under 65 not enrolled in Medicare and covered under HDHP. Pay medical expenses via debit card.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo monthly service fee or minimum balance requirements.Any balance | 0.90% | $90 | No monthly service fee or minimum balance requirements. |
Student Savings
0.90%APY
Available to savers up to 18 years old (up through the 12th grade). No monthly service fee or minimum balance requirements. $1.00 fee per withdrawal for more than 6 withdrawals per monthly interest cycle. Weekly bonus opportunities ranging from $1.00 to $10.00 between September and May (maximum $200.00 per calendar year).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceVariable rate. Available to savers up to 18 years old / up through 12th grade. $1.00 fee per withdrawal in excess of 6 per monthly interest cycle.Any balance | 0.90% | $90 | Variable rate. Available to savers up to 18 years old / up through 12th grade. $1.00 fee per withdrawal in excess of 6 per monthly interest cycle. |
Christmas Club
0.90%APY
No minimum balance or opening deposit requirement. No monthly service fee. Funds are automatically released on the first Tuesday of November. Withdrawals prior to the first Tuesday of November may result in account closure and forfeiture of accrued interest.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest is credited annually. Early withdrawal prior to the first Tuesday in November results in interest forfeiture and possible account closure.Any balance | 0.90% | $90 | Interest is credited annually. Early withdrawal prior to the first Tuesday in November results in interest forfeiture and possible account closure. |
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.