Compare Bank & Credit Union Rates
Best savings rates in Knoxville, 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 Knoxville, TN
- Knoxville TVA Employees Credit UnionEducational Savings PlanSavings · $0 min
Credit union · 6 branches
4.28%APY$428 a year on $10,000Requirements
Product: No minimum opening deposit. Must be open for a minimum of 3 years and pays out on child's college entrance date or 18th birthday. Paper statements cost $2.00/month.
Offer: Applicable for terms of 121 months or more.
4.20% interest rate · $2 monthly fee · Effective Oct 15, 2026
Rate checked
More details - Knoxville TVA Employees Credit UnionEducational Savings PlanSavings · $0 min
Credit union · 6 branches
4.02%APY$402 a year on $10,000Requirements
Product: No minimum opening deposit. Must be open for a minimum of 3 years and pays out on child's college entrance date or 18th birthday. Paper statements cost $2.00/month.
Offer: Applicable for terms of 61 through 120 months.
3.95% interest rate · $2 monthly fee · Effective Oct 15, 2026
Rate checked
More details - 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 - Knoxville TVA Employees Credit UnionEducational Savings PlanSavings · $0 min
Credit union · 6 branches
3.50%APY$350 a year on $10,000Requirements
Product: No minimum opening deposit. Must be open for a minimum of 3 years and pays out on child's college entrance date or 18th birthday. Paper statements cost $2.00/month.
Offer: Applicable for terms of 36 through 60 months.
3.45% interest rate · $2 monthly fee · Effective Oct 15, 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 - 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 - 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 · 2 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 - Tennessee Members 1st Federal Credit UnionMoney MarketMoney Market · $2,500 min · 1.50%–2.50% by balance
Credit union · 1 branch
1.50%APY$150 a year on $10,000Requirements
Product: Federally insured by NCUA. APY = Annual Percentage Yield. Ask us for further information about the terms, fees, and conditions that may apply to these accounts.
1.49% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $24,999Your amount 1.50% $25,000 – $49,999 1.75% $50,000 – $99,999 2.00% $100,000 and up 2.50% Rate checked
More details - Knoxville Law Enforcement Federal Credit UnionAccumulation AccountSavings · $2,500 min · 1.30%–1.76% by balance
Credit union · 1 branch
1.30%APY$130 a year on $10,000Requirements
Product: Dividends calculated daily, compounded/posted monthly. Fees could reduce earnings.
Offer: Minimum to maintain annual percentage: $2,500.00
1.30% interest rate · Effective Dec 18, 2024
Rate by balance
Rate by balance for Accumulation Account Balance APY $2,500 – $25,000Your amount 1.30% $25,000 – $50,000Minimum to maintain annual percentage: $25,000.01 1.35% $50,000 – $75,000Minimum to maintain annual percentage: $50,000.00 1.40% $75,000 – $100,000Minimum to maintain annual percentage: $75,000.00 1.45% $100,000 and upMinimum to maintain annual percentage: $100,000.00 1.76% Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: Earns dividends with no minimum balance. Allows withdrawals. Available to qualifying Members.
Offer: Dividends compound quarterly. No minimum balance required.
1.00% interest rate · Effective Oct 5, 2026
Rate checked
More details - FirstBankMoney Market TieredMoney Market Tiered · $2,500 min · 0.00%–0.75% by balance
Bank · 2 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 · 2 branches
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 - Southeast Financial Credit UnionMoney Market AccountMoney Market Account · $0 min · 0.00%–1.50% by balance
Credit union · 1 branch
0.60%APY$60 a year on $10,000Requirements
Product: Rates may change after account opening at credit union discretion. Fees may reduce earnings. Must meet minimum balance requirement to obtain stated rate. Minimum opening deposit of $2,500 to earn interest.
Offer: Must meet minimum balance requirement to obtain stated rate.
Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,499 0.00% $2,500 – $10,000Your amountMinimum opening deposit of $2,500 required to start earning interest. 0.60% $10,001 – $25,000Minimum opening deposit of $2,500 required to start earning interest. 0.75% $25,001 – $50,000Minimum opening deposit of $2,500 required to start earning interest. 1.00% $50,001 – $75,000Minimum opening deposit of $2,500 required to start earning interest. 1.20% $75,001 – $100,000Minimum opening deposit of $2,500 required to start earning interest. 1.35% $100,001 and upMinimum opening deposit of $2,500 required to start earning interest. 1.50% 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 Knoxville, TN
76 accounts at 29 banks and credit unions · checked Oct 15–22
- Typical
- 0.10%
- Top 10% from
- 1.78%
- Banks, typical
- 0.10%
- Credit unions, typical
- 0.15%
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Knoxville, TN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Knoxville TVA Employees Credit UnionCredit union · 15 branches
- Enrichment Federal Credit UnionCredit union · 8 branches
- Knoxville Law Enforcement Federal Credit UnionCredit union · 1 branch