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 16–30 results in Smyrna, TN
- 0.25%APY$25 a year on $10,000
Requirements
Product: Must be eligible for membership and open a share savings account to join RFCU. A $5.00 minimum balance is required to open and be maintained in the share savings account at all times. There is no minimum balance required to earn the disclosed APY.
Offer: Dividends paid quarterly. Minimum initial deposit to open is $5.00; minimum daily balance of $5.00 must be maintained in the account. There is no minimum balance required to earn the disclosed APY.
0.25% interest rate · Effective Oct 1, 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 “You Name It” Savings 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 paid monthly. Minimum daily balance of $500.00 required to earn dividends and disclosed APY.
0.25% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Open to members who live, work, worship, or attend 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. Requires a $1 one-time membership fee. $5 minimum balance required to keep the account active. Dividends are declared by the Board of Directors, calculated through the last day of the quarter, and paid quarterly on the first day of the following quarter.
Offer: Quarterly dividend rate subject to change quarterly; rate reflects previous quarter's declared rate. $5 minimum deposit required to open.
0.25% interest rate
Rate checked
More details - Veritas Federal Credit UnionMoney MarketMoney Market · $5,000 min · 0.20%–1.50% by balance
Credit union · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: Rates as of Oct. 1, 2026, and are subject to change without notice.
Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $5,000 – $24,999Your amount 0.20% $25,000 – $49,999 0.25% $50,000 – $99,999 0.50% $100,000 and up 1.50% 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: Primary membership share account. Minimum opening deposit of $25 required to establish and maintain membership. Earns quarterly dividends.
Offer: Minimum balance of $25 to earn dividends. Dividends paid quarterly.
Effective Oct 1, 2026
Rate checked
More details - 0.05%APY$5 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: Standard rate for any balance without relationship rate qualification.
Qualified rate · 0.05% interest rate · Balance cap $99,999,999,999 · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.05%APY$5 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: Standard interest rate and APY across all balance levels without qualifying relationship product.
Qualified rate · 0.05% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - Ascend Federal Credit UnionSavings AccountSavings · $5 min · 0.01%–0.20% by balance
Credit union · 1 branch
0.05%APY$5 a year on $10,000Requirements
Product: Dividends are earned on daily balance, compounded monthly, and credited monthly. Must deposit $5 to purchase one share and become a member.
Offer: Rate applies to daily balances under $9,999.99.
0.01% interest rate · Compounded monthly · Effective Nov 1, 2025
Rate by balance
Rate by balance for Savings Account Balance APY Up to $10,000 0.01% $10,000 – $100,000Your amount 0.05% $100,000 – $250,000 0.15% $250,000 and up 0.20% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Applicants must be 18 years of age or older to open an account; applicants under 18 must have an adult co-owner (18 years or older).
Offer: To obtain the disclosed APY, must maintain a minimum average daily balance of $25 each day. Interest credited on balances of $25 and above. Minimum balance fee of $5 imposed every month if the balance falls below $50 any day of the month/statement cycle.
0.05% interest rate · $5 monthly fee · Effective Feb 19, 2026
Rate checked
More details - 0.05%APY$5 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: Base rate applied to all balances when FirstRewards Checking qualifications are not met or upon closure of the FirstRewards Checking account. $10 monthly fee waived with $5,000 minimum balance.
Qualified rate · $10 monthly fee · Effective Sep 17, 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 - 0.02%APY$2 a year on $10,000with conditions
Requirements
Product: Earn Premier relationship rates when you link the account to a qualifying checking account (Chase Premier Plus Checking, Chase Sapphire Checking, Chase Private Client Checking, J.P. Morgan Private Client Checking Plus, or J.P. Morgan Classic Checking) and make at least 5 customer-initiated transactions in a monthly statement period using your linked checking account. $25 monthly service fee waived with $15,000+ beginning day balance or linked qualifying checking account.
Offer: Relationship rate: requires linked qualifying checking account and at least 5 customer-initiated transactions in a monthly statement period. $25 monthly service fee waived with $15,000+ daily balance or linked qualifying checking account.
Qualified rate · 0.02% interest rate · $25 monthly fee · Effective Oct 2, 2026
Rate checked
More details - 0.01%APY$1 a year on $10,000
Requirements
Product: $5 monthly service fee waived with ONE of: $300+ beginning day balance, $25+ repeating automatic transfers/Autosave from personal Chase checking, link to qualifying checking, link to Chase College Checking enrolled in Overdraft Protection, or account owner under age 25. Fee waived for first two statement periods on new/converted accounts.
Offer: $5 monthly service fee waived with $300+ daily balance, $25+ Autosave transfers, qualifying linked checking, linked Chase College Checking with Overdraft Protection, or owner under age 25.
0.01% interest rate · $5 monthly fee · Effective Oct 2, 2026
Rate checked
More details - 0.01%APY$1 a year on $10,000
Requirements
Product: $5 monthly service fee waived with ONE of: $300+ beginning day balance, $25+ repeating automatic transfers/Autosave from personal Chase checking, link to qualifying checking, link to Chase College Checking enrolled in Overdraft Protection, or account owner under age 25. Fee waived for first two statement periods on new/converted accounts.
Offer: $5 monthly service fee waived with $300+ daily balance, $25+ Autosave transfers, qualifying linked checking, linked Chase College Checking with Overdraft Protection, or owner under age 25.
0.01% interest rate · $5 monthly fee · Effective Oct 2, 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