Compare Bank & Credit Union Rates
Best high-yield savings rates
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Cleveland, TN metro
- 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 - Tennessee Valley Federal Credit UnionMoney Market AccountsMoney Market Accounts · $2,500 min · 2.50%–3.10% by balance
Credit union · 3 branches
2.55%APY$255 a year on $10,000Requirements
Product: Limited to 6 free withdrawals or transfers per statement period; $3 fee for each transaction exceeding these limits. $15 monthly service fee waived with $2,500 minimum balance.
Offer: Monthly service charge of $15 is waived with a $2,500 minimum balance. Limited to 6 free withdrawals/transfers per statement period ($3 fee per excess transaction).
2.47% interest rate · $15 monthly fee
Rate by balance
Rate by balance for Money Market Accounts Balance APY $2,500 – $9,999 2.50% $10,000 – $24,999Your amount 2.55% $25,000 – $49,999 2.70% $50,000 – $99,999 2.95% $100,000 – $149,999 3.00% $150,000 – $199,999 3.05% $200,000 and up 3.10% Rate checked
More details - 2.53%APY$253 a year on $10,000
Requirements
Product: Membership is open to individuals who live, work, or attend school in Bradley, McMinn, Meigs, Monroe, and Polk counties. Requires maintaining one share of $5.00 par value.
Offer: Dividends compounded and credited monthly. Daily balance method used. Minimum daily balance of $2,500.00 required to earn stated APY. Limit of 6 transfers and withdrawals per month. Rate may change at any time.
2.50% interest rate · Effective Jan 1, 2026
Rate checked
More details - 2.53%APY$253 a year on $10,000
Requirements
Product: $2,500 minimum balance. Variable rate.
Offer: Variable rate.
2.50% interest rate · Effective Oct 2, 2026
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 - Copper Basin Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.50%–1.00% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Rates apply to the entire balance, not just the amount over the tier threshold. Unlimited deposits and up to 6 withdrawals per month.
Offer: Rates apply to the entire balance, not just the amount over the tier threshold.
0.50% interest rate · Effective Sep 30, 2025
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $99,999Your amount 0.50% $100,000 – $249,999 0.75% $250,000 and up 1.00% Rate checked
More details - United Community BankUnited Money MarketUnited Money Market · $1,500 min · 0.50%–1.15% by balance
Bank · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Monthly maintenance charge of $12 will be assessed unless a daily balance of $1,500 is maintained. $10.00 excessive withdrawal fee for each withdrawal over 6 per month.
Offer: Lowest number listed in each tier represents the minimum daily balance required to obtain the APY.
$12 monthly fee
Rate by balance
Rate by balance for United Money Market Balance APY Up to $9,999 0.50% $10,000 – $49,999Your amount 0.50% $50,000 – $99,999 0.50% $100,000 – $249,999 1.00% $250,000 – $499,999 1.00% $500,000 – $999,999 1.15% $1,000,000 and up 1.15% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Establishes membership with TVFCU. $1 fee for each paper statement for members aged 18 to 65 (avoidable by enrolling in eStatements).
Offer: Competitive dividends on entire balance.
0.30% interest rate · No monthly fee
Rate checked
More details - 0.30%APY$30 a year on $10,000intro rate
Requirements
Product: Rate represents intended rate for the current quarter as declared by the Board of Directors; actual rates declared at quarter end.
Offer: Rate represents intended rate for the current quarter as declared by the Board of Directors; actual rates declared at quarter end.
Promotional rate · 0.30% interest rate · Effective Oct 2, 2026
Rate checked
More details - 0.30%APY$30 a year on $10,000intro rate
Requirements
Product: Opened upon joining the credit union. $5 minimum balance requirement. No fees. Accrues daily, credited quarterly.
Offer: Rate represents intended rate for the current quarter as declared by the Board of Directors; actual rates declared at quarter end.
Promotional rate · 0.30% interest rate · No monthly fee · Effective Oct 2, 2026
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 - BMH federal Credit UnionShare (Savings)Savings · $25 min · 0.15%–0.25% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: Membership is open to those who work in the medical field of Bradley County and their immediate family relations. Dividends deposited into the account quarterly, posting on the first day following the end of the quarter.
0.15% interest rate · No monthly fee
Rate by balance
Rate by balance for Share (Savings) Balance APY Up to $1,499 0.15%* $7,500 and upYour amount 0.25%* 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 - 0.15%APY$15 a year on $10,000
Requirements
Product: A service charge of $5.00 is imposed every quarter if the daily balance falls below $100.00 any day of the quarter. 6 free withdrawals per quarter ($2.00 fee per withdrawal over 6).
Effective Sep 24, 2026
Rate by balance
Rate by balance for United Savings Balance APY Up to $2,499 0.05% $2,500 and upYour amount 0.15% Rate checked
More details - First Horizon BankMoney Market SavingsMoney Market Savings · $50 min · 0.10%–0.15% by balance
Bank · 2 branches
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
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 Cleveland, TN metro
22 accounts at 10 banks and credit unions · checked Oct 5–22
- Typical
- 0.25%
- Top 10% from
- 2.53%
- Banks, typical
- 0.10%
- Credit unions, typical
- 0.30%
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Cleveland, TN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Bowater Credit UnionCredit union · 2 branches
- Tennessee Valley Federal Credit UnionCredit union · 3 branches