Compare Bank & Credit Union Rates
Best savings rates in Franklin, 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 Franklin, 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 - Republic BankPromotional Premium Money Market AccountPromotional Premium Money Market Account · $5,000 min · 0.65%–3.75% by balance
Bank · 1 branch
3.75%APY$375 a year on $10,000with conditionsRequirements
Product: Requires applicant to be a Tennessee resident and not have a Republic Bank personal Money Market account at opening. Must open or maintain a primary Republic personal checking account and conduct 5 or more qualifying transactions (Direct deposit ACH credit, Bill Pay, POS Debit, ACH Debit) within any one of the first 3 statement cycles following opening; otherwise rate reverts to standard chart. Must be opened with at least $5,000 in funds not currently held on deposit at Republic Bank. A $10 fee applies if balance falls below $5,000 during statement cycle. Interest rate paid on entire balance.
Qualified rate · 0.65% interest rate · $10 monthly fee · Effective Oct 4, 2026
Rate by balance
Rate by balance for Promotional Premium Money Market Account Balance APY Up to $5,000 0.65% $5,000 – $100,000Your amountPromotional rate requires qualifying checking account and transaction criteria. 3.75% $100,000 – $7,500,000Promotional rate requires qualifying checking account and transaction criteria. 3.75% Over $7,500,000 0.65% 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 - 3.30%APY$330 a year on $10,000
Requirements
Product: High-Yield Money Market accounts are variable-rate accounts, and the rates may change. The Annual Percentage Yield (APY) stated is accurate as of October 1, 2026. For more information regarding fees, please see the Rate and Fee Addendum.
3.25% interest rate · Effective Oct 1, 2026
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 - First Farmers & Merchants BankMoney Market SpecialMoney Market Special · $2,500 min
Bank · 3 branches
2.78%APY$278 a year on $10,000with conditionsRequirements
Product: Must have another deposit account with First Farmers and Merchants Bank. Public Funds are not eligible. Limited time offer.
Offer: 2.78% APY (stated as 2.75% Annual Percentage Rate) applies for 182 days from account opening; thereafter a tiered rate structure applies. A $2,500 minimum balance must be maintained to receive promotional APY and avoid a $15.00 monthly maintenance fee if balance falls below $2,500 during statement cycle. Customer must have another deposit account with First Farmers and Merchants Bank. More than six withdrawals or transfers per cycle subject to penalty. Public funds not eligible.
Qualified rate · $15 monthly fee · Effective Jan 1, 2026
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 - Republic BankPremium Money Market AccountPremium Money Market Account · $5,000 min · 0.75%–2.50% by balance
Bank · 1 branch
2.25%APY$225 a year on $10,000Requirements
Product: Must be opened with funds not currently held on deposit at Republic Bank. To avoid a $10 monthly fee, maintain a $5,000 minimum balance each statement cycle. Interest rate paid on entire balance in account.
0.75% interest rate · $10 monthly fee · Effective Oct 4, 2026
Rate by balance
Rate by balance for Premium Money Market Account Balance APY Up to $5,000 0.75% $5,000 – $100,000Your amount 2.25% $100,000 – $7,500,000 2.50% $7,500,000 and up 0.75% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Opening deposit of at least $25 required. Monthly maintenance fee of $5 is waived for owners of a U.S. Bank Smartly Checking account, Safe Debit account, U.S. Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Relationship rates require maintaining an eligible qualifying product and vary by Combined Qualifying Balance (CQB).
Offer: Relationship rate for Combined Qualifying Balance (CQB) under $5,000. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card).
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for U.S. Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amount 2.00% $25,000 – $50,000 3.50% $50,000 – $100,000 3.50% $100,000 – $99,999,999,999 3.50% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Variable rate account. Monthly maintenance fee of $5 is waived for owners of a Bank Smartly Checking account, Safe Debit account, Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Higher relationship rates require maintaining an eligible product (Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card) and are determined by Combined Qualifying Balance (CQB).
Offer: Relationship rate for CQB Under $5,000. Requires qualifying relationship product.
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amountRelationship rate for CQB $5,000 to $24,999.99. 2.00% $25,000 – $50,000Relationship rate for CQB $25,000 to $49,999.99. 3.50% $50,000 – $100,000Relationship rate for CQB $50,000 to $99,999.99. 3.50% $100,000 and upRelationship rate for CQB $100,000 and above. 3.50% 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 - TEN Credit UnionMoney MarketMoney Market · $2,500 min · 1.25%–3.35% by balance
Credit union · 1 branch
1.50%APY$150 a year on $10,000Requirements
Product: Membership with Ten Credit Union is required to open a Money Market account. Rate adjusted based on account balance. APY is subject to change without notice.
Offer: Rate adjusted based on account balance.
Effective Jan 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $10,000 1.25% $10,000 – $25,000Your amountEqual to or greater than $10,000 but less than $24,999.99; 1.50% $25,000 – $75,000Equal to or greater than $25,000 but less than $74,999.99; 2.10% $75,000 – $150,000Equal to or greater than $75,000 but less than $149,999.99; 2.35% $150,000 – $175,000Equal to or greater than $150,000 but less than $174,999.99; 2.65% $175,000 – $250,000Equal to or greater than $175,000 but less than $249,999.99; 3.00% $250,000 – $500,000Equal to or greater than $250,000 but less than $499,999.99; 3.15% $500,000 and upEqual to or greater than $500,000 and above; 3.35% 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 - Liberty FCUMoney Market Share AccountsMoney Market Share Accounts · $1,000 min · 1.00%–4.00% by balance
Credit union · 2 branches
1.00%APY$100 a year on $10,000Requirements
Product: Requires a minimum balance to open. Dividends are computed on the daily balance and paid monthly for days in which the minimum balance is on deposit. Dividends are established monthly at a rate determined by the Liberty FCU Board of Directors. Fees may reduce earnings.
1.00% interest rate
Rate by balance
Rate by balance for Money Market Share Accounts Balance APY $1,000 – $9,999 1.00% $10,000 – $24,999Your amount 1.00% $25,000 – $49,999 1.50% $50,000 – $99,999 2.00% $100,000 – $249,999 2.50% $250,000 – $999,999 3.00% $1,000,000 and up 4.00% 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 Franklin, TN
66 accounts at 22 banks and credit unions · checked Oct 15–22
- Typical
- 0.05%
- Top 10% from
- 2.68%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.10%
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Nashville, TN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Ascend Federal Credit UnionCredit union · 20 branches
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