Compare Bank & Credit Union Rates
Best savings rates in Ooltewah, 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 Ooltewah, 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 - Mountain Valley BankMountain Valley Money MarketMountain Valley Money Market · $1,000 min · 1.06%–2.02% by balance
Bank · 1 branch
1.06%APY$106 a year on $10,000Requirements
Product: No minimum balance. No Checks. No Debit Card.
1.05% interest rate
Rate by balance
Rate by balance for Mountain Valley Money Market Balance APY $1,000 – $100,000Your amount 1.06%* $100,000 – $500,000 1.31%* $500,000 – $1,000,000 1.56%* $1,000,000 and up 2.02%* 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 - Collegedale Credit UnionRegular (01) Share AccountSavings · $50 min · 0.30%–0.50% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: A Share Account is required for membership and to be eligible for other membership services. Dividends are paid quarterly on all shares as approved by the Board of Directors based upon Credit Union Earnings.
Offer: $50 minimum balance to receive dividend.
0.30% interest rate · Effective Dec 1, 2024
Rate by balance
Rate by balance for Regular (01) Share Account Balance APY Up to $9,999 0.30% $10,000 and upYour amount 0.50% 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 - 0.20%APY$20 a year on $10,000with conditions
Requirements
Product: Limit one Bonus Rate Savings account per primary account holder tax ID. A $3 paper statement fee is waived when enrolled in eStatements or with a daily average account balance of $1,200 or a daily average relationship balance of $10,000. Unlimited check writing and unlimited withdrawals are subject to available funds.
Offer: To earn the bonus rate, each statement cycle the account holder must have a SouthEast Bank checking account with the Round Up feature, enroll and maintain the Bonus Rate Savings account in eStatements, and post and settle at least 15 debit card purchases during the statement cycle from any personal SouthEast Bank checking account.
Qualified rate · Effective Sep 24, 2026
Rate by balance
Rate by balance for Bonus Rate Savings Balance APY Up to $10,000 2.01% $10,000 and upYour amountAPY for this tier will range from 2.01% to 0.27%, depending on the balance in the account. 0.20%* 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 - 0.10%APY$10 a year on $10,000
Requirements
Product: Allows setting aside funds for special purposes (e.g. vacation, special gifts). Dividends are paid quarterly on all shares as approved by the Board of Directors based upon Credit Union Earnings.
Offer: $50 minimum balance to receive dividend.
0.10% interest rate · Effective Dec 1, 2024
Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Limit one Bonus Rate Savings account per primary account holder tax ID. A $3 paper statement fee is waived when enrolled in eStatements or with a daily average account balance of $1,200 or a daily average relationship balance of $10,000. Unlimited check writing and unlimited withdrawals are subject to available funds.
Offer: If bonus qualifications are not met during the statement cycle, the account will earn 0.05% APY.
Qualified rate · Effective Sep 24, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: $5 service fee per quarter waived with an average daily balance of $100; $3 paper statement fee waived when enrolled in eStatements or with a daily average account balance of $1,200 or a daily average relationship balance of $10,000. Unlimited check writing and unlimited withdrawals are subject to available funds. Offers flexible access and can be linked to checking for overdraft services.
Offer: Interest is calculated based on the account's total daily balance and is credited quarterly. $5 service fee per quarter waived with an average daily balance of $100. $3 paper statement fee waived when enrolled in eStatements or with $1,200 daily average account balance or $10,000 daily average relationship balance.
Effective Sep 24, 2026
Rate checked
More details - 0.04%APY$4 a year on $10,000
Requirements
Product: Variable rate savings account. $8.00 monthly maintenance fee waived for the first 6 months for new accounts; thereafter waived by maintaining a minimum daily balance of $500 or more, owning a Bank of America Advantage Relationship Banking account, having an account owner under age 25, or being enrolled in BofA Rewards at Preferred Plus, Preferred Honors, or Premier tier. No Overdraft Item Fees. Paper check writing is not permitted. Online new account opening limit is $250,000.
Offer: Standard rate for balances less than $5,000. Variable rate. Applicable to Western North Carolina. $8.00 monthly fee with waiver options ($500 minimum daily balance, owner under 25, Advantage Relationship Banking, or qualifying BofA Rewards tier; fee waived first 6 months for new accounts).
0.04% interest rate · $8 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.01%APY$1 a year on $10,000
Requirements
Product: $5 monthly maintenance fee can be waived by maintaining a minimum daily ledger balance of $300 or more, scheduling a recurring preauthorized internal transfer of $25 or more per statement cycle into the Truist One Savings Account, being under 18 years of age (primary owner), or having any related Truist personal checking account (excluding Truist Confidence Account). $5 withdrawal limit fee assessed for each withdrawal over 6 per statement cycle (max 6 fees).
Offer: $5 monthly maintenance fee waived with $300 minimum daily ledger balance, $25+ recurring monthly internal transfer, minor under 18 primary owner, or related Truist personal checking account (excl. Confidence Account). $5 fee per withdrawal over 6 per statement cycle.
0.01% interest rate · $5 monthly fee · Effective Sep 28, 2026
Rate checked
More details - 0.01%APY$1 a year on $10,000with conditions
Requirements
Product: Requires a Truist Confidence Account to open. $0 monthly maintenance fee. $0 overdraft fees. $5 withdrawal limit fee assessed for each withdrawal over 6 per statement cycle (maximum of 6 fees per statement cycle).
Offer: Requires a Truist Confidence Account. $0 monthly maintenance fee. $5 fee per withdrawal over 6 per statement cycle.
Qualified rate · 0.01% interest rate · No monthly fee
Rate checked
More details - 0.01%APY$1 a year on $10,000
Requirements
Product: Available to Truist personal banking clients. Monthly maintenance fee of $12 waived by maintaining a minimum daily ledger balance of $15,000 or more. Contact local branch for special promotional offers.
Offer: Standard interest rate and APY. Monthly fee of $12 waived with minimum daily ledger balance of $15,000 or more.
0.01% interest rate · $12 monthly fee · Effective Sep 28, 2026
Rate checked
More details - 0.01%APY$1 a year on $10,000
0.01% interest rate · Effective Dec 1, 2024
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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What savings accounts pay in Ooltewah, TN
15 accounts at 7 banks and credit unions · checked Oct 15–22
- Typical
- 0.10%
- Top 10% from
- 0.88%
- Banks, typical
- 0.08%
- Credit unions, typical
- 0.10%
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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