Compare Bank & Credit Union Rates
Best savings rates in Chattanooga, TN
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Chattanooga, TN
- 4.00%APY$400 a year on $10,000intro rate
Requirements
Product: Offer is applicable to consumer Money Market accounts. Account must be funded with new money not currently on deposit with SmartBank and not previously on deposit within the last 180 days. In-person opening requires printing the offer or referencing 'Summer 2026 Money Market Special'.
Offer: Special promotional rate. Variable rate account; interest compounds daily. A $2,500 minimum opening deposit of new money is required to obtain APY; after opening, no minimum balance is required to continue earning the APY. $10 monthly service fee is waived if a minimum daily balance of $2,500 is maintained on every day of the statement cycle.
Promotional rate · 3.92% interest rate · $10 monthly fee · Effective Jun 30, 2026
Rate checked
More details - 3.40%APY$340 a year on $10,000with conditions
Requirements
Product: Must be paired with an active FirstBank CD with a term of 6 months or greater.
Offer: Earn 3.40% APY on balances up to $50,000 when paired with an active FirstBank CD with a term of 6 months or greater. $5 monthly service charge if balance falls below $50 at any given time (or any day of the statement cycle). Interest credited on balances of $0.01 and above.
Qualified rate · Balance cap $50,000 · $5 monthly fee
Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.06%–3.25% by balance
Bank · 1 branch
3.25%APY$325 a year on $10,000with conditionsRequirements
Product: Monthly maintenance fee of $10 waived with an average daily balance of $2,500 or when you also own a Huntington personal checking account. Minimum opening deposit is $100. Higher relationship rates available when linked with qualifying checking accounts. Rates are specific to ZIP code 43215.
Offer: Promotional Rate with open Private Client Account; requires new money to Huntington. Rate applies to ZIP code 43215.
Qualified rate · 0.06% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Huntington Relationship Savings Balance APY Up to $5,000 0.06% $5,000 – $2,000,001Your amountPromotional Rate with open Huntington Perks Checking account; 3.25% $2,000,001 – $100,000,000,000Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.06% Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.02%–3.15% by balance
Bank · 1 branch
3.15%APY$315 a year on $10,000with conditionsRequirements
Product: Monthly maintenance fee of $10 waived with an average daily balance of $2,500 or when you also own a Huntington personal checking account. Minimum opening deposit is $100. Higher relationship rates available when linked with qualifying checking accounts. Rates are specific to ZIP code 43215.
Offer: Promotional Rate with open Huntington Perks Checking account; requires new money to Huntington. Rate applies to ZIP code 43215.
Qualified rate · 0.02% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Huntington Relationship Savings Balance APY Up to $5,000 0.02% $5,000 – $2,000,001Your amountNon-Relationship Promotional Rate; 3.15% $2,000,001 – $100,000,000,000Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.02% Rate checked
More details - 2.58%APY$258 a year on $10,000with conditions
Requirements
Product: Variable-rate account that moves with the Wall Street Journal Prime Rate. $10 monthly service fee is waived if a $5,000 minimum balance is maintained. Six free withdrawals per statement cycle ($2 fee per withdrawal exceeding 6).
Offer: Reward rate. Requires meeting FirstRewards Checking requirements: same primary account holder on FirstRewards Checking and FirstRate Money Market, 10 settled debit card POS transactions per qualification period (ATM transactions excluded), monthly electronic statements (eStatements), and 1 monthly ACH debit or ACH credit. Rate moves with WSJ Prime Rate (minimum 0.10% APY change per 0.25% change in WSJ Prime). $10 monthly fee waived with $5,000 minimum balance.
Qualified rate · 2.55% interest rate · $10 monthly fee · Effective Sep 17, 2026
Rate checked
More details - Tennessee Valley Federal Credit UnionMoney Market AccountsMoney Market Accounts · $2,500 min · 2.50%–3.10% by balance
Credit union · 10 branches
2.55%APY$255 a year on $10,000Requirements
Product: Limited to 6 free withdrawals or transfers per statement period; $3 fee for each transaction exceeding these limits. $15 monthly service fee waived with $2,500 minimum balance.
Offer: Monthly service charge of $15 is waived with a $2,500 minimum balance. Limited to 6 free withdrawals/transfers per statement period ($3 fee per excess transaction).
2.47% interest rate · $15 monthly fee
Rate by balance
Rate by balance for Money Market Accounts Balance APY $2,500 – $9,999 2.50% $10,000 – $24,999Your amount 2.55% $25,000 – $49,999 2.70% $50,000 – $99,999 2.95% $100,000 – $149,999 3.00% $150,000 – $199,999 3.05% $200,000 and up 3.10% Rate checked
More details - Healthcare Services Credit UnionMoney MarketMoney Market · $2,500 min · 2.02%–2.53% by balance
Credit union · 2 branches
2.02%APY$202 a year on $10,000Requirements
Product: Minimum balance to open is $2,500. Maintain this balance to earn dividends.
2.00% interest rate · Effective Aug 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,500 2.02% $2,501 – $8,000 2.02% $8,001 – $25,000Your amount 2.02% $25,001 – $50,000 2.02% $50,001 – $75,000 2.27% $75,001 and up 2.53% Rate checked
More details - Chattanooga Federal Employees Credit UnionSpecial SharesSavings · $500 min · 1.51%–2.02% by balance
Credit union · 1 branch
2.02%APY$202 a year on $10,000Requirements
Product: Tiered special savings account (special 09 account). Dividends paid quarterly. Transfer to checking for easy access with no penalty to withdraw funds.
Offer: Tier I rate for amounts over $500. Rates listed are projected rates.
1.50% interest rate
Rate by balance
Rate by balance for Special Shares Balance APY $500 and up 1.51% $10,000 and upYour amount 2.02% Rate checked
More details - EPB EMPLOYEES CREDIT UNIONMoney Market Share AccountMoney Market Share Account · $2,500 min
Credit union · 2 branches
2.00%APY$200 a year on $10,000Requirements
Product: Must maintain a Primary Share Savings Account. No more than 3 withdrawals and 6 transfers permitted per month. Minimum deposit is $50.00; minimum withdrawal is $250.00. No fees for this type of share savings investment. Dividends are earned daily and paid monthly (last day of each month), but will not be paid if balance falls below $2,500 during the dividend period.
Offer: Minimum balance is $2,500 to earn dividends. Dividends will not be paid if the balance falls below $2,500 during the dividend period. Rate is subject to change each month without notice.
2.00% interest rate · No monthly fee · Effective Dec 30, 2025
Rate checked
More details - FirstBankConsumer Fed Funds Money MarketConsumer Fed Funds Money Market · $100 min · 1.56%–3.15% by balance
Bank · 4 branches
1.56%APY$156 a year on $10,000Requirements
Product: Variable-rate tiered account tied to the Effective Federal Funds Rate. $10 monthly service charge is waived with a minimum balance of $100,000 or if the account owner is a Primary or Secondary/Joint Owner on a FirstBank Essential Checking account. Includes six free withdrawals per statement cycle.
Offer: Tier 1: Entire daily balance of $0.01-$99,999.99 earns up to 1.56% APY. $10 monthly fee waived with a minimum balance of $100,000 or with an Essential Checking account.
$10 monthly fee · Effective Sep 18, 2026
Rate by balance
Rate by balance for Consumer Fed Funds Money Market Balance APY Up to $100,000Your amount 1.56% $100,000 and up 3.15% Rate checked
More details - 1.11%APY$111 a year on $10,000with conditions
Requirements
Product: Must be bundled/enrolled with a WBT Cash Back Checking account or WBT Interest Checking account held in the name of one or more of the account holders. Limit of 1 account per SSN. Not for commercial purposes.
Offer: When qualifications are not met during Monthly Qualification Cycle, interest rate earned on entire balance will be 0.05% resulting in an APY of 0.05% and ATM withdrawal fees are not refunded.
Qualified rate · 0.05% interest rate · No monthly fee · Effective Feb 10, 2025
Rate by balance
Rate by balance for WBT Saver Balance APY Any balance 0.05% $10,000 and upYour amountQualifications met during Monthly Qualification Cycle: at least one direct deposit or ACH payment/credit post and settle; receive e-Statements; log into online banking; at least 15 debit card purchases of $5.00 or more post and settle to WBT Interest or WBT Cash Back account. Automatically qualifies in first statement cycle. 1.11%* Rate checked
More details - COMTRUST Federal Credit UnionCOMTRUST Money Market AccountCOMTRUST Money Market Account · $2,500 min
Credit union · 3 branches
1.00%APY$100 a year on $10,000Requirements
Product: Dividends are paid monthly based on account balance; Annual Percentage Yield is based on monthly compounding. Minimum balance required to open is $2,500.
Offer: Annual Percentage Yield is based on monthly compounding; dividends paid monthly.
1.00% interest rate
Rate checked
More details - 0.80%APY$80 a year on $10,000
Requirements
Offer: All dividends and interest credited monthly.
0.80% interest rate · Effective Mar 19, 2026
Rate checked
More details - FirstBankMoney Market TieredMoney Market Tiered · $2,500 min · 0.00%–0.75% by balance
Bank · 4 branches
0.65%APY$65 a year on $10,000Requirements
Product: Tiered interest rate account. $10 minimum balance fee imposed every month the daily balance falls below $2,500.00. Six free withdrawals or transfers per statement cycle ($2 per transaction over 6). Applicant must be 18 years of age or older.
Offer: Tier 1: Daily balances of $0.00 to $2,499.99 earn 0.00% interest rate and 0.00% APY. Monthly fee of $10 applies if daily balance falls below $2,500.00.
0.00% interest rate · $10 monthly fee · Effective Sep 23, 2026
Rate by balance
Rate by balance for Money Market Tiered Balance APY Up to $2,500 0.00% $2,500 – $10,000 0.65% $10,000 – $100,000Your amount$10 fee waived if daily balance remains at or above $2,500.00. 0.65% $100,000 – $250,000$10 fee waived if daily balance remains at or above $2,500.00. 0.70% $250,000 and up$10 fee waived if daily balance remains at or above $2,500.00. 0.75% Rate checked
More details - SouthEast BankPremium Money Market Savings AccountPremium Money Market Savings Account · $2,500 min · 0.60%–3.75% by balance
Bank · 1 branch
0.60%APY$60 a year on $10,000Requirements
Product: Interest is calculated based on the account's total daily balance and is credited monthly. Withdrawals limited to six (6) items per month. There will be no fee imposed for excessive withdrawals, though excessive withdrawals may result in conversion to a transaction account. Monthly service fee of $12 is waived with a minimum daily balance of $2,500.
Offer: Monthly service fee of $12 is waived with a minimum daily balance of $2,500.
$12 monthly fee · Effective Sep 24, 2026
Rate by balance
Rate by balance for Premium Money Market Savings Account Balance APY Up to $100,000Your amount 0.60% $100,000 – $250,000 1.25% $250,000 – $500,000 2.50% $500,000 – $1,000,000 3.00% $1,000,000 – $5,000,000 3.50% $5,000,000 and up 3.75% Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What savings accounts pay in Chattanooga, TN
56 accounts at 22 banks and credit unions · checked Oct 15–22
- Typical
- 0.05%
- Top 10% from
- 2.29%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.25%
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Chattanooga, TN-GA metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Peach State Federal Credit UnionCredit union · 1 branch
- Chattanooga Federal Employees Credit UnionCredit union · 1 branch
- First Jackson BankBank · 1 branch