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 McMinnville, TN metro
- 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 - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Requires a linked Better Interest Checking or Better Cash Back account. Paper statements incur a $3.00 monthly fee if selected instead of e-statements.
Offer: Earned when qualifications are met on linked checking account (at least 1 ACH credit/payment, at least 12 PIN-based debit card purchases, and enrolled in e-statements during Monthly Qualification Cycle). No minimum balance required to earn rewards.
Qualified rate · No monthly fee · Effective Mar 10, 2025
Rate by balance
Rate by balance for Better Together Saver Balance APY Up to $150,000Your amount 3.00% $150,000 and up 0.40%* 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 - 0.55%APY$55 a year on $10,000with conditions
Requirements
Product: Available to military customers. Requires a Military Advanced Checking account with a minimum automatic funds transfer of $25.00 to keep active. Variable rate subject to change. Limit one account per individual. Reverts to regular savings if requirements are not maintained. 3 free withdrawals per quarter, then $1.50 per withdrawal. $6.50 fee per cycle if daily balance falls below $100.00.
Offer: Tier One: Balances up to $25,000. $5 minimum deposit to open. Variable rate.
Qualified rate · 0.55% interest rate
Rate by balance
Rate by balance for Military Smart Savers Plan Balance APY Up to $25,000Your amount 0.55% $25,001 – $50,000 0.65% $50,000 and up 0.75% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Interest rate applies to entire balance. Interest rate & APY may change at any time. Maintenance fees can reduce earnings on the account.
Offer: A monthly maintenance fee of $10 will be imposed every statement cycle if the balance in the account falls below $1000 any day of the cycle. Interest rate applies to entire balance. Rate & APY may change at any time.
0.50% interest rate · $10 monthly fee · Effective Sep 24, 2026
Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Quarterly maintenance fee of $3.00 waived with $25 minimum daily balance (or if balance does not fall below $25 any day of cycle). Nine free withdrawals per quarter, $1.00 per withdrawal over nine. Interest paid quarterly. Rate applies to entire balance.
Offer: Quarterly maintenance fee of $3 waived by $25 minimum daily balance.
0.50% interest rate · Effective Sep 24, 2026
Rate by balance
Rate by balance for Regular Savings Balance APY Up to $24,999Your amount 0.50% $25,000 and up 0.55% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Tiered-rate savings account. $6.50 fee per quarterly cycle if daily balance falls below $100 on any day of cycle (waived with balance above $100 or Direct Deposit relationship). Unlimited withdrawals if daily balance stays at or above $500; if daily balance falls below $500, 3 free withdrawals per cycle, then $1.50 per additional withdrawal. $2 paper statement fee (waived with e-statements). $15 inactivity fee after 3 months inactivity. Minimum to open through mail is $200.
Offer: Tier One: Balances less than $5,000.00. Minimum balance to earn interest and obtain APY is $25. $5 minimum balance to open ($200 by mail).
0.30% interest rate
Rate by balance
Rate by balance for Savings Account Balance APY Up to $5,000 0.30% $5,000 – $50,000Your amount 0.50% $50,000 and up 0.70% Rate checked
More details - First National Bank of Middle TennesseeFiRST Money Market TierFiRST Money Market Tier · $2,500 min · 0.30%–3.56% by balance
Bank · 4 branches
0.30%APY$30 a year on $10,000Requirements
Product: $2,500 minimum deposit required to open account. $10 monthly fee if daily balance falls below $2,500. $5.00 monthly fee per statement if you do not receive eStatements. $3.00 per limited transactions over 6 each month.
Offer: Tier 1: Balances of $.01 - $50,000. $10 monthly fee if daily balance falls below $2,500; $5.00 monthly fee per statement if you do not receive eStatements.
0.30% interest rate · $10 monthly fee · Effective Sep 17, 2026
Rate by balance
Rate by balance for FiRST Money Market Tier Balance APY Up to $50,000Your amount 0.30% $50,001 – $100,000 0.65% $100,001 – $250,000 1.21% $250,001 – $500,000 2.38% $500,001 – $1,000,000 3.04% $1,000,000 and upTier 6: Balances greater than $1MM. 3.56% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Applicants must be 18 years of age or older, or have an adult co-owner if under 18. Up to 6 withdrawals/transfers per calendar month (4 per statement cycle without a $3 fee).
Offer: To obtain disclosed APY, must maintain a minimum balance of $50 each day. $1 monthly service charge if balance falls below $50 any day of cycle ($5 minimum balance fee mentioned in detailed disclosure).
0.25% interest rate · $1 monthly fee · Effective Mar 3, 2025
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 $10,000with conditions
Requirements
Product: Requires a linked Better Interest Checking or Better Cash Back account. Paper statements incur a $3.00 monthly fee if selected instead of e-statements.
Offer: Entire daily balance earns 0.05% APY / 0.05% interest rate when linked checking account qualifications are not met.
Qualified rate · 0.05% interest rate · No monthly fee · Effective Mar 10, 2025
Rate checked
More details - U.S. BankU.S. Bank Elite Money MarketU.S. Bank Elite Money Market · $0 min · 0.01%–3.40% by balance
Bank · 1 branch
0.01%APY$1 a year on $10,0000.01% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for U.S. Bank Elite Money Market Balance APY Up to $10,000 0.01% $10,000 – $25,000Your amount 0.01% $25,000 – $50,000 3.40% $50,000 – $100,000 3.40% $100,000 – $500,000 3.40% $500,000 – $10,000,000,000 3.40% 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 McMinnville, TN metro
15 accounts at 6 banks and credit unions · checked Oct 15–16
- Typical
- 0.50%
- Top 10% from
- 2.60%
- Banks, typical
- 0.50%
- Credit unions, typical
- 1.68%
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McMinnville, TN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Ascend Federal Credit UnionCredit union · 1 branch