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 Tullahoma, 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 - 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 - 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 - 2.58%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: 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 - 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 - FirstBankConsumer Fed Funds Money MarketConsumer Fed Funds Money Market · $100 min · 1.56%–3.15% by balance
Bank · 3 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 - Heritage SouthGold Share Money Market AccountGold Share Money Market Account · $2,500 min · 0.85%–2.78% by balance
Credit union · 1 branch
1.05%APY$105 a year on $10,000Requirements
Product: Membership is open to anyone who lives, works, worships, or attends school in Bedford, Marshall, Rutherford, Cannon, or Maury counties or the cities of Tullahoma, Manchester, Winchester, Decherd, or Fayetteville, and immediate family of current members ($1 one-time membership fee and $5 deposit in share savings required). Account allows up to 3 checks and 3 over-the-counter withdrawals or transfers per month. Dividends are paid monthly based on the previous month's declared dividend rate and are subject to change monthly. Fees may reduce earnings.
0.85% interest rate
Rate by balance
Rate by balance for Gold Share Money Market Account Balance APY $2,500 – $10,000 0.85% $10,000 – $50,000Your amount 1.05% $50,000 – $100,000 1.21% $100,000 – $200,000 1.41% $200,000 and up 2.78% Rate checked
More details - FirstBankMoney Market TieredMoney Market Tiered · $2,500 min · 0.00%–0.75% by balance
Bank · 3 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 - 0.45%APY$45 a year on $10,000
Requirements
Product: Must maintain $5 balance to preserve membership. Dividends compounded and paid quarterly. Variable rate account.
Offer: No minimum balance required to earn the stated APY.
0.45% interest rate · Effective Jul 20, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: No monthly maintenance fee. No minimum balance requirement. Interest is paid on entire balance and compounded quarterly. Unlimited transfers and withdrawals available. Free quarterly e-statements or paper statements.
0.25% interest rate · Compounded quarterly · No monthly fee · Effective Sep 11, 2024
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
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 Tullahoma, TN metro
26 accounts at 10 banks and credit unions · checked Oct 15–16
- Typical
- 0.35%
- Top 10% from
- 3.15%
- Banks, typical
- 0.25%
- Credit unions, typical
- 0.45%
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Tullahoma, TN metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Ascend Federal Credit UnionCredit union · 2 branches
- Jack Daniel Employees' Credit UnionCredit union · 1 branch
- Heritage SouthCredit union · 1 branch