Compare Bank & Credit Union Rates
Best savings rates in Smyrna, 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 Smyrna, TN
- 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 - 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 - Redstone Federal Credit UnionMoney Market Account for Share and Trust AccountsMoney Market Account for Share and Trust Accounts · $2,000 min · 1.00%–2.53% by balance
Credit union · 1 branch
1.16%APY$116 a year on $10,000Requirements
Product: Consumer account rate sheet. A minimum balance of $1 is required to open the Money Market Share or Money Market Share Trust Account. A minimum daily balance of $2,000 is required to earn dividends. No dividends will be earned for the length of time your daily balance falls below $2,000. The minimum balance for a Money Market tier must be maintained to earn the stated APY for that tier.
1.00% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account for Share and Trust Accounts Balance APY $2,000 – $5,000 1.00% $5,000 – $50,000Your amountDividends payable monthly. 1.16% $50,000 – $100,000Dividends payable monthly. 1.26% $100,000 – $250,000Dividends payable monthly. 1.51% $250,000 – $500,000Dividends payable monthly. 1.71% $500,000 – $1,000,000Dividends payable monthly. 2.12% $1,000,000 and upDividends payable monthly. 2.53% Rate checked
More details - Redstone Federal Credit UnionEndeavor Money MarketEndeavor Money Market · $2,000 min · 1.00%–1.51% by balance
Credit union · 1 branch
1.16%APY$116 a year on $10,000Requirements
Product: The minimum balance required to open the Endeavor Money Market Account and earn dividends is $2,000. No dividends will be earned for the length of time the balance is below $2,000. The minimum balance for a tier must be maintained to earn the stated APY for that tier. Rates may change every month as determined by the Board of Directors.
1.00% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Endeavor Money Market Balance APY $2,000 – $5,000 1.00% $5,000 – $50,000Your amount 1.16% $50,000 – $100,000 1.26% $100,000 and up 1.51% Rate checked
More details - Redstone Federal Credit UnionMoney Market Share AccountMoney Market Share Account · $2,000 min · 1.00%–2.53% by balance
Credit union · 1 branch
1.16%APY$116 a year on $10,000Requirements
Product: Membership required. Minimum daily balance of $2,000 is required to earn dividends. No dividends earned if daily balance falls below $2,000. Minimum balance for a Money Market tier must be maintained to earn the disclosed APY for that tier.
Offer: Minimum balance for tier must be maintained to earn disclosed APY.
1.00% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Share Account Balance APY $2,000 – $5,000 1.00% $5,000 – $50,000Your amount 1.16% $50,000 – $100,000 1.26% $100,000 – $250,000 1.51% $250,000 – $500,000 1.71% $500,000 – $1,000,000 2.12% $1,000,000 and up 2.53% 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 - Heritage SouthGold Share Money Market AccountGold Share Money Market Account · $2,500 min · 0.85%–2.78% by balance
Credit union · 1 branch
1.05%APY$105 a year on $10,000Requirements
Product: Membership is open to anyone who lives, works, worships, or attends school in Bedford, Marshall, Rutherford, Cannon, or Maury counties or the cities of Tullahoma, Manchester, Winchester, Decherd, or Fayetteville, and immediate family of current members ($1 one-time membership fee and $5 deposit in share savings required). Account allows up to 3 checks and 3 over-the-counter withdrawals or transfers per month. Dividends are paid monthly based on the previous month's declared dividend rate and are subject to change monthly. Fees may reduce earnings.
0.85% interest rate
Rate by balance
Rate by balance for Gold Share Money Market Account Balance APY $2,500 – $10,000 0.85% $10,000 – $50,000Your amount 1.05% $50,000 – $100,000 1.21% $100,000 – $200,000 1.41% $200,000 and up 2.78% 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 - 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: There is a $1 minimum balance required to open the Share Account for Trust Funds Account. The minimum daily balance required to earn dividends and the stated APY is $500.00. No dividends will be earned for the length of time your daily balance falls below $500.00.
Offer: Dividends payable monthly. Minimum daily balance of $500.00 required to earn dividends and stated APY.
0.25% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: The minimum initial deposit to open is $5.00. There is no minimum balance to maintain an Estate Savings Account. There is no minimum balance to earn the stated APY.
Offer: Dividends payable quarterly. There is no minimum balance required to earn stated APY.
0.25% interest rate · Effective Oct 1, 2026
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 Smyrna, TN
36 accounts at 11 banks and credit unions · checked Oct 6–22
- Typical
- 0.23%
- Top 10% from
- 2.00%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.25%
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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
- American Airlines Federal Credit UnionCredit union · 1 branch
- St. Thomas Credit UnionCredit union · 1 branch