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 Morristown, TN metro
- Knoxville TVA Employees Credit UnionEducational Savings PlanSavings · $0 min
Credit union · 4 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 · 4 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 - Knoxville TVA Employees Credit UnionEducational Savings PlanSavings · $0 min
Credit union · 4 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 - FirstBankConsumer Fed Funds Money MarketConsumer Fed Funds Money Market · $100 min · 1.56%–3.15% by balance
Bank · 2 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 - 1.00%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 - First Bank & Trust CompanyMoney Market AccountMoney Market Account · $2,500 min · 0.10%–1.11% by balance
Bank · 1 branch
0.75%APY$75 a year on $10,000Requirements
Product: Open an account with $2,500. Pay no fees regardless of balance. Interest rates will be paid on the entire balance based on the applicable rate tier. Earn competitive interest on balances of $1,500 or greater.
Offer: Average daily balance range $1,500.00 - $2,499.99.
0.10% interest rate · No monthly fee · Effective May 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,500 – $2,500 0.10% $2,500 – $10,000 0.50% $10,000 – $25,000Your amount 0.75% $25,000 – $100,000 0.80% $100,000 – $500,000 1.00% $500,000 and up 1.11% Rate checked
More details - FirstBankMoney Market TieredMoney Market Tiered · $2,500 min · 0.00%–0.75% by balance
Bank · 2 branches
0.65%APY$65 a year on $10,000Requirements
Product: Tiered interest rate account. $10 minimum balance fee imposed every month the daily balance falls below $2,500.00. Six free withdrawals or transfers per statement cycle ($2 per transaction over 6). Applicant must be 18 years of age or older.
Offer: Tier 1: Daily balances of $0.00 to $2,499.99 earn 0.00% interest rate and 0.00% APY. Monthly fee of $10 applies if daily balance falls below $2,500.00.
0.00% interest rate · $10 monthly fee · Effective Sep 23, 2026
Rate by balance
Rate by balance for Money Market Tiered Balance APY Up to $2,500 0.00% $2,500 – $10,000 0.65% $10,000 – $100,000Your amount$10 fee waived if daily balance remains at or above $2,500.00. 0.65% $100,000 – $250,000$10 fee waived if daily balance remains at or above $2,500.00. 0.70% $250,000 and up$10 fee waived if daily balance remains at or above $2,500.00. 0.75% Rate checked
More details - Knoxville TVA Employees Credit UnionMember-Managed Funds AccountSavings · $2,500 min · 0.55%–2.00% by balance
Credit union · 4 branches
0.55%APY$55 a year on $10,000Requirements
Product: No minimum balance required to open, but $2,500.00 required to earn dividends. Paper statements cost $2.00/month.
Offer: Dividends compound monthly.
0.55% interest rate · $2 monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Member-Managed Funds Account Balance APY $2,500 and upYour amount 0.55% $25,000 and up 0.60% $50,000 and up 0.70% $100,000 and up 1.75% $250,000 and up 1.85% $500,000 and up 2.00% $1,000,000 and up 2.00% Rate checked
More details - 0.40%APY$40 a year on $10,000
Requirements
Product: Monthly Minimum Balance Service Charge of $10 if Daily Balance drops below $2,500 any day of the statement cycle; Excess Debit Fee of $4 if withdrawal/transfer exceeds six per calendar month
Offer: Daily balance below $2,500
0.35% interest rate · $10 monthly fee · Effective Sep 29, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,500 0.35% $2,500 – $15,000Your amount 0.40% $15,000 – $25,000 0.80% $25,000 – $50,000 1.20% $50,000 – $100,000 1.50% $100,000 and up 1.81% Rate checked
More details - Consumer Credit UnionMoney Market AccountsMoney Market Accounts · $0 min · 0.00%–1.25% by balance
Credit union · 3 branches
0.30%APY$30 a year on $10,000Effective Sep 23, 2026
Rate by balance
Rate by balance for Money Market Accounts Balance APY Up to $2,500 0.00% $2,500 – $10,000 0.25% $10,000 – $25,000Your amount 0.30% $25,000 – $50,000 0.35% $50,000 – $100,000 0.60% $100,000 – $200,000 1.00% $200,000 and up 1.25% 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
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 Morristown, TN metro
35 accounts at 9 banks and credit unions · checked Oct 15–22
- Typical
- 0.20%
- Top 10% from
- 3.07%
- Banks, typical
- 0.25%
- Credit unions, typical
- 0.15%
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Morristown, TN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Knoxville TVA Employees Credit UnionCredit union · 4 branches