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Highest Savings Rates in Tennessee
35 Tennessee-specific accounts

By Aviel Fahl

Newest reading: October 13, 2026

Top Tennessee Rate:4.13%

The Tennessee market

Tennessee accounts

35

Institutions

26

Top Tennessee APY

4.13% APY

Nationally: 5.00% APY

FDIC national average

0.37%

As of Sep 2026

35 savings accounts are open only to Tennessee residents, from 26 institutions. The highest advertised APY among them is 4.13%.

The highest nationally available rate is 5.00% APY, 87 basis points above the Tennessee leader.

15 of the 35 Tennessee savings accounts advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.

Tennessee-Specific Savings Accounts

These savings accounts are specifically available to Tennessee residents.

#1

Austin Capital Bank SSB

Fort Knox Savings

+$413
per year
4.13% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58082)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteAustin Capital Bank SSB

Direct Link to Product Page (Not Sponsored)

#2

Community Bank

Community Reserve High Yield Savings

+$375
per year
3.75% APY
Oct 12, 2026
FDIC InsuredMod. MinimumIn-Person Access
Show Fine Print & Trends
Min. Deposit$1,500
Min. Balance$1,500
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 31272)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteCommunity Bank

Direct Link to Product Page (Not Sponsored)

#3

Brighton Bank

Savings Account

+$300
per year
3.00% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$100
Min. Balance$100
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 9189)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteBrighton Bank

Direct Link to Product Page (Not Sponsored)

#4

Citibank

Citi Accelerate Savings

+$300
per year
3.00% APY
Oct 13, 2026
FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

What to Watch

Eligibility restricted to select states.

Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0.01
Maintenance Fee$4.50. Waived for average monthly balances > $500
Compound FreqDaily
Direct DepositNot required
BranchesU.S. branches are concentrated in six metropolitan areas, New York City, Chicago, Los Angeles, San Francisco, Washington, D.C., and Miami.
Deposit InsuranceFDIC Insured(Cert: 7213)
EligibilityAlaska, Alabama, Arkansas, Arizona, Colorado, Delaware, Florida (select parts), Georgia, Hawaii, Iowa, Idaho, Illinois (select parts), Indiana, Kansas, Kentucky, Louisiana, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia (partial), Washington (partial), Wisconsin, West Virginia, Wyoming.
Zelle®
SupportedLimit: $2,500 /dayTiered limits based on account status (Citigold higher).
Mobile Ratings
BBB Rating
D-(Not BBB Accredited)

Rate Stability

Rate Increased
+0.20%
Since 30 days ago
Official SiteCitibank

Direct Link to Product Page (Not Sponsored)

#5

Gateway First Bank

Gateway High Yield Savings

+$235
per year
2.35% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$1,000
Min. BalanceN/A
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 15118)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteGateway First Bank

Direct Link to Product Page (Not Sponsored)

#6

SouthEast Bank

Bonus Rate Savings

+$201
per year
2.01% APY
Oct 13, 2026
FDIC InsuredLinked AccountLow MinimumsIn-Person Access

What to Watch

The stated APY applies to the first $10,000 of the balance, and only in a statement cycle when the qualifications are met: a SouthEast Bank checking account with the Round Up feature, this account enrolled in eStatements, and at least 15 debit card purchases posted and settled during the cycle. The portion of the balance above $10,000 earns a lower rate, and a cycle that misses the qualifications earns the base rate on the whole balance. One account is allowed for each primary account holder.

Show Fine Print & Trends
Min. Deposit$50
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 57348)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteSouthEast Bank

Direct Link to Product Page (Not Sponsored)

#7

First Vision Bank of Tennessee

Kasasa Saver

+$200
per year
2.00% APY
Oct 7, 2026
FDIC InsuredLinked AccountNo MinimumsIn-Person Access

What to Watch

Rate applies when the account's monthly qualifications are met. Otherwise the account pays a lower base rate. The account must be linked to a Kasasa Cash or Kasasa Cash Back checking account. The stated APY applies to balances up to $100,000. The portion of the balance above $100,000 earns a lower rate.

Show Fine Print & Trends
Min. Deposit$0
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58201)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteFirst Vision Bank of Tennessee

Direct Link to Product Page (Not Sponsored)

#8

Morgantown Bank & Trust Company, Incorporated

Kasasa Saver

+$150
per year
1.50% APY
Oct 13, 2026

On balances up to $500,000 · 0.25% above

APY Range: 0.25% – 1.50%
FDIC InsuredLinked AccountLow MinimumsIn-Person Access

What to Watch

Rate applies when the account's monthly qualifications are met. Otherwise the account pays a lower base rate. The qualifications are met on a linked Kasasa Cash or Kasasa Cash Back checking account. The published rate applies to balances up to $500,000.

Show Fine Print & Trends
Min. Deposit$50
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 275)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteMorgantown Bank & Trust Company, Incorporated

Direct Link to Product Page (Not Sponsored)

#9

The Hardin County Bank

Kasasa Saver

+$150
per year
1.50% APY
Oct 7, 2026

On balances up to $150,000 · no rate stated above

FDIC InsuredLinked AccountLow MinimumsIn-Person Access

What to Watch

Rate applies when the account's monthly qualifications are met. Otherwise the account pays a lower base rate. Requires a Kasasa Cash or Kasasa Cash Back checking account. The stated APY applies to balances up to $150,000. The portion of a balance above $150,000 earns a lower rate.

Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 20993)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteThe Hardin County Bank

Direct Link to Product Page (Not Sponsored)

#10

CBBC Bank

Silver Savings

+$100
per year
1.00% APY
Oct 7, 2026

Needs at least $10,000

APY Range: 0.25% – 1.00%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$1,000
Min. Balance$1,000
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 21227)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteCBBC Bank

Direct Link to Product Page (Not Sponsored)

#11

Centennial Bank

Rewards Savings

+$100
per year
1.00% APY
Oct 13, 2026

On balances up to $25,000 · 0.40% above

APY Range: 0.40% – 1.00%
FDIC InsuredLinked AccountLow MinimumsIn-Person Access

What to Watch

Requires a linked Rewards Star or Rewards Star Cash Back checking account. The stated rate is paid in a month when that checking account has at least one ACH credit or ACH payment and at least 12 debit card purchases; in other months the account earns a base rate. The stated rate applies to balances up to $25,000, and balances above $25,000 earn a lower rate. A $5 quarterly fee applies when the daily balance falls below $100, except for primary holders under age 24.

Show Fine Print & Trends
Min. Deposit$25
Min. BalanceN/A
Maintenance Fee$5 per quarter if the minimum daily balance falls below $100; not assessed for primary account holders under the age of 24
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 8439)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteCentennial Bank

Direct Link to Product Page (Not Sponsored)

#12

Elizabethton Federal Savings Bank

High Yield Savings

+$80
per year
2.02% APY
Oct 7, 2026

Needs at least $200,000

APY Range: 0.10% – 2.02%
FDIC InsuredNo MinimumsIn-Person Access

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. BalanceN/A
Maintenance Fee$0
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29904)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteElizabethton Federal Savings Bank

Direct Link to Product Page (Not Sponsored)

#13

First Community Bank

Community Savings

+$60
per year
1.51% APY
Oct 7, 2026

Needs at least $50,000

APY Range: 0.25% – 1.51%
FDIC InsuredNo MinimumsIn-Person Access

What to Watch

A $12 maintenance fee is charged each quarter. It is waived when the account keeps a minimum daily balance of $100. A $2 fee applies to each withdrawal over 6 in a quarterly statement cycle, excluding ATM withdrawals.

Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance FeeEach savings account has a standard $12 quarterly maintenance fee. But we'll waive the fee when you maintain a $100 minimum daily balance!
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 13012)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteFirst Community Bank

Direct Link to Product Page (Not Sponsored)

#14

Gateway First Bank

Personal Savings

+$50
per year
0.50% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$10
Min. BalanceN/A
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 15118)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteGateway First Bank

Direct Link to Product Page (Not Sponsored)

#15

Centennial Bank

Savings Account

+$40
per year
0.40% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

A $5 quarterly fee applies when the daily balance falls below $100, except for primary holders under age 24. Each withdrawal above 6 in a quarter costs $5.

Show Fine Print & Trends
Min. Deposit$25
Min. BalanceN/A
Maintenance Fee$5 per quarter if the minimum daily balance falls below $100; not assessed for primary account holders under the age of 24
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 8439)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteCentennial Bank

Direct Link to Product Page (Not Sponsored)

#16

First Federal Bank

Personal Savings

+$35
per year
0.35% APY
Oct 3, 2026
FDIC InsuredNo MinimumsIn-Person Access

What to Watch

The service charge on this account is billed per quarter, not per month. It is charged in a quarter when the daily balance drops below $200. A withdrawal beyond the ninth in a quarter is charged $5.

We could not confirm: minimum deposit.

Show Fine Print & Trends
Min. DepositN/A
Min. BalanceN/A
Maintenance Fee$15.00 fee if daily balance drops below $200 (per quarter)
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 29782)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteFirst Federal Bank

Direct Link to Product Page (Not Sponsored)

#17

Citizens Bank

EZ Savings

+$25
per year
0.25% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

A $10 service charge applies each quarter unless a $100 minimum daily balance is kept. Withdrawals beyond 6 per quarter cost $2 each.

Show Fine Print & Trends
Min. Deposit$100
Min. Balance$100
Maintenance Fee$10 quarterly fee if balance falls below $100
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 14851)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteCitizens Bank

Direct Link to Product Page (Not Sponsored)

#18

First Horizon Bank

Traditional Savings

+$25
per year
0.25% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The service charge is billed each quarter, not each month. It is refunded when the account is linked to a FirstView checking account, or when the daily balance stays at or above the stated minimum.

Show Fine Print & Trends
Min. Deposit$50
Min. BalanceN/A
Maintenance Fee$5 quarterly service charge if the daily balance falls below $250; refunded when linked to a FirstView checking account.
Compound Freqdaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 4977)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFirst Horizon Bank

Direct Link to Product Page (Not Sponsored)

#19

First National Bank

Regular Savings Account

+$25
per year
0.25% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

A $3 maintenance fee is charged each quarter if the balance falls below $10.

Show Fine Print & Trends
Min. Deposit$10
Min. Balance$10
Maintenance Fee$3 quarterly maintenance fee if balance falls below $10
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 3887)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteFirst National Bank

Direct Link to Product Page (Not Sponsored)

#20

F&M Bank

Advantage Savings

+$20
per year
0.20% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Customers under the age of 18 pay no monthly service charge on this account.

Show Fine Print & Trends
Min. Deposit$100
Min. Balance$1
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 9963)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteF&M Bank

Direct Link to Product Page (Not Sponsored)

#21

Tennessee State Bank

Just Savings

+$20
per year
0.20% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

A $3 service charge applies each quarter if the daily balance falls below $100 on any day of the quarter.

Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0
Maintenance FeeQuarterly Minimum Balance Service Charge of $3 if the daily balance drops below $100 any day of the quarter
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 20720)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

Rate Increased
+0.05%
Since 30 days ago
Official SiteTennessee State Bank

Direct Link to Product Page (Not Sponsored)

#22

Volunteer Bank

Advantage Savings

+$20
per year
0.20% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

Each withdrawal or transfer above six per statement cycle is charged $5. Account holders under 18 pay no monthly service charge.

Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0.01
Maintenance FeeAvoid the $10 monthly service charge by maintaining a $100 minimum daily balance
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 22451)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteVolunteer Bank

Direct Link to Product Page (Not Sponsored)

#23

Community Bank

Community Savings Account

+$15
per year
0.15% APY
Oct 12, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$25
Min. Balance$25
Maintenance Fee$0
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 31272)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteCommunity Bank

Direct Link to Product Page (Not Sponsored)

#24

Eclipse Bank, Inc.

Eclipse Investment Savings

+$15
per year
0.15% APY
Oct 7, 2026
FDIC InsuredHigh MinimumIn-Person Access

What to Watch

Interest is earned only when the account keeps a $10,000 minimum monthly balance. Six withdrawals per month are free, then $2 per withdrawal.

Show Fine Print & Trends
Min. Deposit$10,000
Min. Balance$10,000
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58049)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteEclipse Bank, Inc.

Direct Link to Product Page (Not Sponsored)

#25

United Community Bank

United Savings

+$15
per year
0.15% APY
Oct 7, 2026

Needs at least $2,500

APY Range: 0.05% – 0.15%
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 16889)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteUnited Community Bank

Direct Link to Product Page (Not Sponsored)

#26

CBBC Bank

Personal & Business Savings

+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$100
Min. Balance$100
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 21227)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteCBBC Bank

Direct Link to Product Page (Not Sponsored)

#27

Eclipse Bank, Inc.

Classic Savings

+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

A $3 quarterly service fee applies unless a $300 minimum balance is kept. Three withdrawals per month are free, then $2 per withdrawal.

Show Fine Print & Trends
Min. Deposit$50
Min. Balance$0
Maintenance Fee$3 Quarterly Service Fee; avoid with a $300 minimum balance
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 58049)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 7 days
Official SiteEclipse Bank, Inc.

Direct Link to Product Page (Not Sponsored)

#28

Morgantown Bank & Trust Company, Incorporated

MBT Savings

+$10
per year
0.10% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$50
Min. Balance$50
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 275)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteMorgantown Bank & Trust Company, Incorporated

Direct Link to Product Page (Not Sponsored)

#29

Republic Bank & Trust Company

Advantage Savings

+$10
per year
0.10% APY
Oct 7, 2026
FDIC InsuredMod. MinimumIn-Person Access
Show Fine Print & Trends
Min. Deposit$5,000
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 23627)
EligibilityUnited States
Mobile Ratings
BBB Rating
A+(BBB Accredited)

Rate Stability

StableNo rate changes in last 30 days
Official SiteRepublic Bank & Trust Company

Direct Link to Product Page (Not Sponsored)

#30

First Commerce Bank

Regular Savings

+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 57465)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteFirst Commerce Bank

Direct Link to Product Page (Not Sponsored)

#31

Republic Bank & Trust Company

Easy Savings

+$5
per year
0.05% APY
Oct 7, 2026
FDIC InsuredLow MinimumsIn-Person Access
Show Fine Print & Trends
Min. Deposit$10
Min. Balance$0
Maintenance Fee$0
Compound FreqN/A
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 23627)
EligibilityUnited States
Mobile Ratings
BBB Rating
A+(BBB Accredited)

Rate Stability

StableNo rate changes in last 30 days
Official SiteRepublic Bank & Trust Company

Direct Link to Product Page (Not Sponsored)

#32

SouthEast Bank

Consumer Statement Savings

+$5
per year
0.05% APY
Oct 13, 2026
FDIC InsuredLow MinimumsIn-Person Access

What to Watch

The service charge is billed each quarter, not each month. An average daily balance of $100 waives it.

Show Fine Print & Trends
Min. Deposit$50
Min. BalanceN/A
Maintenance Fee$5 service fee per quarter waived with an average daily balance of $100
Compound Freqquarterly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 57348)
EligibilityUnited States
Mobile Ratings
BBB Rating

Rate Stability

StableNo rate changes in last 30 days
Official SiteSouthEast Bank

Direct Link to Product Page (Not Sponsored)

#33

Bank of America

Advantage Savings

+$4
per year
0.04% APY
Oct 13, 2026
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

What to Watch

APY may vary by market. The monthly fee may be waived under some circumstances, such as if you maintain a minimum balance of $500, or are below the age of 25, etc.

Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0.01
Maintenance Fee$8
Compound FreqMonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 3510)
EligibilityUnited States
Zelle®
SupportedLimit: $3,500 /dayFounding member; highest limits for established users.
Mobile Ratings
BBB Rating
A+(BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Official SiteBank of America

Direct Link to Product Page (Not Sponsored)

#34

PNC

Standard Savings

+$3
per year
0.03% APY
Oct 12, 2026

Needs at least $2,500

APY Range: 0.02% – 0.03%
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported

What to Watch

APY may improve with a linked PNC account. Terms and conditions apply.

Show Fine Print & Trends
Min. Deposit$25
Min. Balance$1
Maintenance Fee$0 / $5 (see bank for details)
Compound FreqMonthly
Direct DepositNot required
BranchesMultiple branches in AL, AZ, CA, CO, DE, DC, FL, GA, IL, IN, KS, KY, MD, MA, MI, MO, NJ, NM, NY, NC, OH, PA, SC, TN, TX, VA, WV, WI
Deposit InsuranceFDIC Insured(Cert: 6384)
EligibilityUnited States
Zelle®
SupportedLimit: $2,000 /dayCentral to Virtual Wallet suite.
Mobile Ratings
BBB Rating
A+(Not BBB Accredited)

Rate Stability

Very StableNo rate changes in last 90 days
Official SitePNC

Direct Link to Product Page (Not Sponsored)

#35

Bank of America

Advantage Relationship Banking

+$1
per year
0.02% APY
Oct 13, 2026

Needs at least $50,000

APY Range: 0.01% – 0.02%
FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported
Show Fine Print & Trends
Min. Deposit$100
Min. BalanceN/A
Maintenance Fee$0
Compound FreqMonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 3510)
EligibilityUnited States
Zelle®
SupportedLimit: $3,500 /dayFounding member; highest limits for established users.
Mobile Ratings
BBB Rating
A+(BBB Accredited)

Rate Stability

No movement is shown for an “Up to” rate.

Official SiteBank of America

Direct Link to Product Page (Not Sponsored)

Nationally Available Savings Accounts

The 8 highest-rate savings accounts available nationwide, including in Tennessee.

InstitutionProduct / Term
Axos Bank
Axos ONE Savingsfirst $49,999.99 only · needs a linked account at the bank · promotional rate
Up to5.00%
GO2bank
High Yield Savingsfirst $5,000 only · needs a linked account at the bank
Up to4.50%
Elevault
High Yield Savings Account
4.34%
Peak Bank
Envision High Yield Savingsup to $499,999.99 only
4.27%
Betterment
Cash Reservepromotional rate
Up to4.25%
Neighbors Bank
Neighbors Savings Account
4.25%
Pibank
Pibank Savings
4.25%
EverBank
Performance Savings
4.20%

See the full national list