Compare Bank & Credit Union Rates
Best savings rates in Gallatin, 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 Gallatin, TN
- 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 - 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 - 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 - 0.55%APY$55 a year on $10,000with conditions
Requirements
Product: Available to military customers. Requires a Military Advanced Checking account with a minimum automatic funds transfer of $25.00 to keep active. Variable rate subject to change. Limit one account per individual. Reverts to regular savings if requirements are not maintained. 3 free withdrawals per quarter, then $1.50 per withdrawal. $6.50 fee per cycle if daily balance falls below $100.00.
Offer: Tier One: Balances up to $25,000. $5 minimum deposit to open. Variable rate.
Qualified rate · 0.55% interest rate
Rate by balance
Rate by balance for Military Smart Savers Plan Balance APY Up to $25,000Your amount 0.55% $25,001 – $50,000 0.65% $50,000 and up 0.75% Rate checked
More details - United Community BankUnited Money MarketUnited Money Market · $1,500 min · 0.50%–1.15% by balance
Bank · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Monthly maintenance charge of $12 will be assessed unless a daily balance of $1,500 is maintained. $10.00 excessive withdrawal fee for each withdrawal over 6 per month.
Offer: Lowest number listed in each tier represents the minimum daily balance required to obtain the APY.
$12 monthly fee
Rate by balance
Rate by balance for United Money Market Balance APY Up to $9,999 0.50% $10,000 – $49,999Your amount 0.50% $50,000 – $99,999 0.50% $100,000 – $249,999 1.00% $250,000 – $499,999 1.00% $500,000 – $999,999 1.15% $1,000,000 and up 1.15% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Tiered-rate savings account. $6.50 fee per quarterly cycle if daily balance falls below $100 on any day of cycle (waived with balance above $100 or Direct Deposit relationship). Unlimited withdrawals if daily balance stays at or above $500; if daily balance falls below $500, 3 free withdrawals per cycle, then $1.50 per additional withdrawal. $2 paper statement fee (waived with e-statements). $15 inactivity fee after 3 months inactivity. Minimum to open through mail is $200.
Offer: Tier One: Balances less than $5,000.00. Minimum balance to earn interest and obtain APY is $25. $5 minimum balance to open ($200 by mail).
0.30% interest rate
Rate by balance
Rate by balance for Savings Account Balance APY Up to $5,000 0.30% $5,000 – $50,000Your amount 0.50% $50,000 and up 0.70% Rate checked
More details - Volunteer BankAdvantage Money MarketAdvantage Money Market · $100 min · 0.25%–0.60% by balance
Bank · 2 branches
0.25%APY$25 a year on $10,000Requirements
Product: Avoid the $15 monthly service fee by maintaining a $5,000 minimum daily balance (or if balance falls below $5,000 on any one day of the statement cycle). Includes up to 6 withdrawals or transfers per statement cycle; $10 fee applies to each additional transaction per monthly statement cycle. Rates may change after account opened. Fees may reduce earnings.
Offer: Tier 1: Below $50,000. Maintenance fee of $15 if balance falls below $5,000 on any one day of the statement cycle.
0.25% interest rate · $15 monthly fee · Effective Sep 17, 2026
Rate by balance
Rate by balance for Advantage Money Market Balance APY Up to $50,000Your amount 0.25% $50,000 – $1,000,000 0.55% $1,000,000 and up 0.60% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Quarterly service charge is refunded within 3 business days when linked to Essential Checking account or Advantage Checking account or if the daily balance is at least $250; otherwise a $5 quarterly service charge is applied.
Effective Sep 28, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Requires a $10 minimum opening deposit. $3 quarterly maintenance fee applies if the balance falls below $10. Interest is compounded and paid quarterly.
Offer: Minimum balance of $10 required to earn the APY. $3 quarterly maintenance fee if balance falls below $10.
0.25% interest rate · Effective Sep 21, 2026
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Avoid the $10 monthly service charge by maintaining a $100 minimum daily balance; no monthly service charge for customers under the age of 18. Includes up to 6 withdrawals or transfers per statement cycle ($5 fee applies to each additional transaction).
Offer: Minimum balance to obtain APY is $0.01. $10 monthly fee waived with $100 minimum daily balance or for customers under 18.
0.20% interest rate · $10 monthly fee · Effective Sep 17, 2026
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: A service charge of $5.00 is imposed every quarter if the daily balance falls below $100.00 any day of the quarter. 6 free withdrawals per quarter ($2.00 fee per withdrawal over 6).
Effective Sep 24, 2026
Rate by balance
Rate by balance for United Savings Balance APY Up to $2,499 0.05% $2,500 and upYour amount 0.15% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: No monthly fees. No minimum withdrawal or balance requirements. Dividends credited quarterly.
Offer: Dividends credited quarterly; balances over $100 earn dividends.
No monthly fee · Effective Jan 1, 2026
Rate checked
More details - First Horizon BankMoney Market SavingsMoney Market Savings · $50 min · 0.10%–0.15% by balance
Bank · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: $50 minimum opening deposit. The monthly service charge is refunded within 3 business days when the primary or joint account holder has an active Elite Checking account, or if the total combined balance in consumer deposit accounts is at least $5,000. Otherwise, a $9 monthly service charge applies. Tiered interest at money market rates based on daily balance compounded and credited monthly.
Offer: Monthly service charge refunded within 3 business days when linked to an active Elite Checking account or with $5,000+ total combined balance in consumer deposit accounts. Otherwise $9/month.
$9 monthly fee · Effective Sep 28, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $24,999Your amount 0.10% $25,000 – $49,999 0.10% $50,000 – $99,999 0.15% $100,000 – $249,999 0.15% $250,000 and up 0.15% 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 Gallatin, TN
32 accounts at 13 banks and credit unions · checked Oct 6–22
- Typical
- 0.10%
- Top 10% from
- 1.46%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.15%
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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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