Compare Bank & Credit Union Rates
Best savings rates in Tennessee
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 31–45 results in Tennessee
- American Airlines Federal Credit UnionPrimary Savings AccountSavings · $6 min
Credit union · 1 branch
2.02%APY$202 a year on $10,000intro rateRequirements
Product: One-time $1.00 membership fee. Dividends compounded and credited monthly. Minimum daily balance of $5.00 to earn dividends.
Offer: Minimum daily balance to earn dividends is $5.00. Prospective dividend rate and APY for October 2026. Dividends compounded monthly and credited monthly.
Promotional rate · 2.00% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - 2.02%APY$202 a year on $10,000intro rate
Requirements
Product: No minimum balance. No monthly service fees. Ability to set up recurring monthly deposit or deposit on your own. Dividends compounded and credited monthly.
Offer: No minimum balance. Prospective dividend rate and APY for October 2026. Dividends compounded monthly and credited monthly.
Promotional rate · 2.00% interest rate · Compounded monthly · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 2.02%APY$202 a year on $10,000intro rate
Requirements
Product: Dividends compounded and credited monthly. No minimum balance required.
Offer: No minimum balance. Prospective dividend rate and APY for October 2026. Dividends compounded monthly and credited monthly.
Promotional rate · 2.00% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - Healthcare Services Credit UnionMoney MarketMoney Market · $2,500 min · 2.02%–2.53% by balance
Credit union · 2 branches
2.02%APY$202 a year on $10,000Requirements
Product: Minimum balance to open is $2,500. Maintain this balance to earn dividends.
2.00% interest rate · Effective Aug 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,500 2.02% $2,501 – $8,000 2.02% $8,001 – $25,000Your amount 2.02% $25,001 – $50,000 2.02% $50,001 – $75,000 2.27% $75,001 and up 2.53% Rate checked
More details - Chattanooga Federal Employees Credit UnionSpecial SharesSavings · $500 min · 1.51%–2.02% by balance
Credit union · 1 branch
2.02%APY$202 a year on $10,000Requirements
Product: Tiered special savings account (special 09 account). Dividends paid quarterly. Transfer to checking for easy access with no penalty to withdraw funds.
Offer: Tier I rate for amounts over $500. Rates listed are projected rates.
1.50% interest rate
Rate by balance
Rate by balance for Special Shares Balance APY $500 and up 1.51% $10,000 and upYour amount 2.02% Rate checked
More details - Fortera Credit UnionHigh-Yield SavingsSavings · $25 min · 2.00%–3.50% by balance
Credit union · 5 branches
2.00%APY$200 a year on $10,000Requirements
Product: Requires Fortera Credit Union membership. No monthly fee or minimum balance required to earn interest.
Offer: Tier for balances $0 - $24,999.99. Dividends compounded and credited monthly.
1.99% interest rate · No monthly fee · Effective Apr 1, 2026
Rate by balance
Rate by balance for High-Yield Savings Balance APY Up to $25,000Your amount 2.00% $25,000 – $50,000 2.25% $50,000 – $100,000 2.50% $100,000 – $250,000 3.00% $250,000 and up 3.50% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Links to free Kasasa Cash or Kasasa Cash Back checking. No monthly service fee or minimum balance to earn rewards.
Offer: Qualifications met in linked Rewards Checking account (at least 12 debit card purchases post and settle, at least 1 direct deposit or automatic payment ACH post and settle, enrolled in and agree to receive e-statements).
Qualified rate · 1.98% interest rate · No monthly fee · Effective Sep 11, 2024
Rate by balance
Rate by balance for Rewards Saver Balance APY Up to $25,000Your amount 2.00% $25,000 and upQualifications met in linked Rewards Checking account. Stated APY range is 2.00% to 1.17% depending on balance. 0.30%* Rate checked
More details - EPB EMPLOYEES CREDIT UNIONMoney Market Share AccountMoney Market Share Account · $2,500 min
Credit union · 2 branches
2.00%APY$200 a year on $10,000Requirements
Product: Must maintain a Primary Share Savings Account. No more than 3 withdrawals and 6 transfers permitted per month. Minimum deposit is $50.00; minimum withdrawal is $250.00. No fees for this type of share savings investment. Dividends are earned daily and paid monthly (last day of each month), but will not be paid if balance falls below $2,500 during the dividend period.
Offer: Minimum balance is $2,500 to earn dividends. Dividends will not be paid if the balance falls below $2,500 during the dividend period. Rate is subject to change each month without notice.
2.00% interest rate · No monthly fee · Effective Dec 30, 2025
Rate checked
More details - Southern Security Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 2.00%–2.50% by balance
Credit union · 5 branches
2.00%APY$200 a year on $10,000Requirements
Product: Make withdrawals any time so long as you maintain the minimum required balance of $2,500. Dividends compounded monthly. Payroll deduction/direct deposit options available. No credit approval required.
1.98% interest rate · Compounded monthly
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $25,000Your amount 2.00% $25,000 – $50,000 2.10% $50,000 – $100,000 2.25% $100,000 and up 2.50% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Must be linked to a qualifying Kasasa Cash or Kasasa Cash Back checking account. Rates are variable and may change after opening. Qualification requirements met via linked checking account (Kasasa Cash: at least 10 debit card purchases and 1 ACH credit/payment post and settle, e-Statements; Kasasa Cash Back: at least 15 debit card purchases and 1 ACH credit/payment post and settle, e-Statements).
Offer: When monthly qualifications are met in linked checking account for balances up to $100,000.
Qualified rate · Balance cap $100,000 · No monthly fee · Effective Feb 11, 2025
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 - Altra Federal Credit UnionBest Life Advantage Tiered SavingsSavings · $0 min · 1.90%–2.40% by balance
Credit union · 2 branches
1.90%APY$190 a year on $10,000intro rateRequirements
Product: Annual Percentage Yield (APY) based on average daily balance. Membership eligibility required. One account per member; personal accounts only. Account balance may be added to at any time; no penalty for withdrawal. No checking or direct deposit required. Limited time offer.
Promotional rate · 1.88% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Best Life Advantage Tiered Savings Balance APY Up to $14,999Your amount 1.90% $15,000 – $49,999 2.00% $50,000 – $74,999 2.10% $75,000 – $99,999 2.20% $100,000 – $149,999 2.30% $150,000 and up 2.40% Rate checked
More details - Community Trust BankPreferred Index Money MarketPreferred Index Money Market · $2,500 min · 0.00%–3.48% by balance
Bank · 3 branches
1.69%APY$169 a year on $10,000Requirements
Product: Available in Kentucky, as well as market areas in Tennessee, West Virginia, and Ohio. Requires $2,500 minimum to open account and earn interest. $10 monthly maintenance fee waived with $2,500 daily ledger balance. Rates tied to the 13-Week Treasury Bill Coupon Equivalent Rate minus specified margin by tier.
Offer: Tier 1 balance tier. $10 monthly maintenance fee waived with $2,500 daily ledger balance. $2,500 minimum required to open account and earn interest.
0.00% interest rate · $10 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Preferred Index Money Market Balance APY Up to $2,500 0.00% $2,500 – $25,000Your amountTier 2 balance tier. Interest rate equals 13-Week Treasury Bill Coupon Equivalent Rate minus 2.50% margin. 1.69% $25,000 – $50,000Tier 3 balance tier. Interest rate equals 13-Week Treasury Bill Coupon Equivalent Rate minus 1.50% margin. 2.71% $50,000 – $100,000Tier 4 balance tier. Interest rate equals 13-Week Treasury Bill Coupon Equivalent Rate minus 1.25% margin. 2.97% $100,000 – $250,000Tier 5 balance tier. Interest rate equals 13-Week Treasury Bill Coupon Equivalent Rate minus 1.00% margin. 3.23% $250,000 and upTier 6 balance tier. Interest rate equals 13-Week Treasury Bill Coupon Equivalent Rate minus 0.75% margin. 3.48% Rate checked
More details - St. Thomas Credit UnionMoney MarketMoney Market · $5,000 min · 1.51%–3.56% by balance
Credit union · 1 branch
1.61%APY$161 a year on $10,000Requirements
Product: Minimum of $25.00 in account maintains credit union membership. Minimum balance of $5,000.00 needs to be maintained each day to obtain the disclosed APY and for it to be an interest-earning account. 6 free withdrawals or transfers per month. Dividends calculated by daily balance method and posted monthly.
Offer: Tier rate applies to balance >= $5,000.
1.50% interest rate · Effective Jun 18, 2026
Rate by balance
Rate by balance for Money Market Balance APY $5,000 and up 1.51% $10,000 and upYour amount 1.61% $25,000 and up 1.76% $50,000 and up 1.81% $75,000 and up 2.02% $100,000 and up 2.78% $200,000 and up 3.04% $300,000 and up 3.56% 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 Tennessee
385 accounts at 153 banks and credit unions · checked Oct 15–22
- Typical
- 0.20%
- Top 10% from
- 2.00%
- Banks, typical
- 0.20%
- Credit unions, typical
- 0.20%
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Tennessee
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Knoxville TVA Employees Credit UnionCredit union · 24 branches
- LGWFCUCredit union · 1 branch
- Bowater Credit UnionCredit union · 5 branches