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 Knoxville, TN metro
- Knoxville TVA Employees Credit UnionEducational Savings PlanSavings · $0 min
Credit union · 15 branches
4.28%APY$428 a year on $10,000Requirements
Product: No minimum opening deposit. Must be open for a minimum of 3 years and pays out on child's college entrance date or 18th birthday. Paper statements cost $2.00/month.
Offer: Applicable for terms of 121 months or more.
4.20% interest rate · $2 monthly fee · Effective Oct 15, 2026
Rate checked
More details - Knoxville TVA Employees Credit UnionEducational Savings PlanSavings · $0 min
Credit union · 15 branches
4.02%APY$402 a year on $10,000Requirements
Product: No minimum opening deposit. Must be open for a minimum of 3 years and pays out on child's college entrance date or 18th birthday. Paper statements cost $2.00/month.
Offer: Applicable for terms of 61 through 120 months.
3.95% interest rate · $2 monthly fee · Effective Oct 15, 2026
Rate checked
More details - 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 - Knoxville TVA Employees Credit UnionEducational Savings PlanSavings · $0 min
Credit union · 15 branches
3.50%APY$350 a year on $10,000Requirements
Product: No minimum opening deposit. Must be open for a minimum of 3 years and pays out on child's college entrance date or 18th birthday. Paper statements cost $2.00/month.
Offer: Applicable for terms of 36 through 60 months.
3.45% interest rate · $2 monthly fee · Effective Oct 15, 2026
Rate checked
More details - 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 - 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 - 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 - FirstBankConsumer Fed Funds Money MarketConsumer Fed Funds Money Market · $100 min · 1.56%–3.15% by balance
Bank · 5 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 - 1.51%APY$151 a year on $10,000with conditions
Requirements
Product: Links to Kasasa Cash or Kasasa Cash Back checking account. To earn highest APY, qualifications must be met in linked checking during each Monthly Qualification Cycle: at least 12 debit card purchases posted and settled, enroll in and agree to receive eStatements, and enroll in and log into online banking at least once. Limit two accounts per Social Security number.
Offer: Applies to all balances when qualifications are met in linked Kasasa Cash or Kasasa Cash Back checking account during the Monthly Qualification Cycle.
Qualified rate · 1.50% interest rate · No monthly fee · Effective Sep 14, 2022
Rate checked
More details - Tennessee Members 1st Federal Credit UnionMoney MarketMoney Market · $2,500 min · 1.50%–2.50% by balance
Credit union · 2 branches
1.50%APY$150 a year on $10,000Requirements
Product: Federally insured by NCUA. APY = Annual Percentage Yield. Ask us for further information about the terms, fees, and conditions that may apply to these accounts.
1.49% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $24,999Your amount 1.50% $25,000 – $49,999 1.75% $50,000 – $99,999 2.00% $100,000 and up 2.50% Rate checked
More details - Staley Credit UnionPreferred Money Market AccountsPreferred Money Market Accounts · $0 min · 0.10%–2.75% by balance
Credit union · 1 branch
1.30%APY$130 a year on $10,000Rate by balance
Rate by balance for Preferred Money Market Accounts Balance APY Up to $2,000 0.10% $2,001 – $10,000Your amount 1.30% $10,001 – $25,000 1.80% $25,001 – $50,000 2.15% $50,001 – $150,000 2.25% $150,001 and up 2.75% Rate checked
More details - Knoxville Law Enforcement Federal Credit UnionAccumulation AccountSavings · $2,500 min · 1.30%–1.76% by balance
Credit union · 1 branch
1.30%APY$130 a year on $10,000Requirements
Product: Dividends calculated daily, compounded/posted monthly. Fees could reduce earnings.
Offer: Minimum to maintain annual percentage: $2,500.00
1.30% interest rate · Effective Dec 18, 2024
Rate by balance
Rate by balance for Accumulation Account Balance APY $2,500 – $25,000Your amount 1.30% $25,000 – $50,000Minimum to maintain annual percentage: $25,000.01 1.35% $50,000 – $75,000Minimum to maintain annual percentage: $50,000.00 1.40% $75,000 – $100,000Minimum to maintain annual percentage: $75,000.00 1.45% $100,000 and upMinimum to maintain annual percentage: $100,000.00 1.76% Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: Earns dividends with no minimum balance. Allows withdrawals. Available to qualifying Members.
Offer: Dividends compound quarterly. No minimum balance required.
1.00% interest rate · Effective Oct 5, 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 Knoxville, TN metro
95 accounts at 38 banks and credit unions · checked Oct 15–22
- Typical
- 0.15%
- Top 10% from
- 1.54%
- Banks, typical
- 0.13%
- Credit unions, typical
- 0.15%
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Knoxville, TN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Knoxville TVA Employees Credit UnionCredit union · 15 branches
- Enrichment Federal Credit UnionCredit union · 8 branches
- Knoxville Law Enforcement Federal Credit UnionCredit union · 1 branch