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Best Money Market Rates in Smyrna, Tennessee (TN) - April 2026

Content reviewed by
Brian McKay Brian McKay
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Brian McKay

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Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Last Updated: April 5, 2026

Current Smyrna, Tennessee and the surrounding area money market rates include Beacon Financial Credit UnionBeacon Financial Credit UnionA+5.0 ★Texas Ratio: 3.50% DO MORE Money Market Account Share Accounts at 4.00% APY, Centennial Bank TNCentennial Bank TNA+5.0 ★Texas Ratio: 2.28% Money Market Account at 4.00% APY, U TU TA+5.0 ★Texas Ratio: 4.31% Business Money Market at 3.85% APY, F&M BankF&M BankA+5.0 ★Texas Ratio: 0.06% Performance Money Market at 3.70% APY, and Ascend Federal Credit UnionAscend Federal Credit Union769 Nissan Dr, Smyrna, TN 37167 4408A+5.0 ★Texas Ratio: 2.48% Business Money Market at 3.56% APY. Money market rates as of April 5, 2026 according to verified data from MonitorBankRates.

Smyrna has 6 local institutions in our database, with money market rates as high as 3.56% APY from Ascend Federal Credit Union at 769 Nissan Dr, Smyrna, TN 37167 4408. Use the table below to compare all available offers, including options from institutions serving the broader Tennessee area. Rates are continually updated — we recommend checking back frequently.

Rates reflect recent market quotes and representative offers available to depositors in Smyrna, Tennessee and surrounding area. Last Updated and Verified: April 5, 2026

Compare the Best Money Market Rates Today in Smyrna, Tennessee & the Surrounding Area

Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
769 Nissan Dr, Smyrna, TN 37167 4408
Business Money Market
3.56%
$0
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
769 Nissan Dr, Smyrna, TN 37167 4408
Traditional Money Market
3.56%
$0
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
769 Nissan Dr, Smyrna, TN 37167 4408
High-Yield Money Market
3.14%
$0
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
724 President Pl, Smyrna, TN 37167
Consumer Fed Funds Money Market Tier 2
2.95%
$100
View
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMar 26, 2026
Details

Heritage South Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
941 Sgt Asbury Hawn Way, Smyrna, TN 37167 3441
Gold Share Money Market Account
2.78%
$0
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
2005 Huginn Ln, Smyrna, TN 37167 2270
Money Market Share Account
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
2005 Huginn Ln, Smyrna, TN 37167 2270
Money Market Share Account
1.81%
$0
View
▼
Rate1.80%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
724 President Pl, Smyrna, TN 37167
Consumer Fed Funds Money Market Tier 1
1.47%
$100
View
▼
Rate—
Min Deposit$100
Min Balance—
UpdatedMar 26, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★ Texas Ratio: 5.08%
471 W Sam Ridley Pkwy, Smyrna, TN 37167
TotalView Money Market Savings
0.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
724 President Pl, Smyrna, TN 37167
Money Market Tiered
0.75%
$2,500
View
▼
Rate0.75%
Min Deposit$2,500
Min Balance—
UpdatedMar 26, 2026
Details

FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
724 President Pl, Smyrna, TN 37167
Money Market Tiered
0.70%
$2,500
View
▼
Rate0.70%
Min Deposit$2,500
Min Balance—
UpdatedMar 26, 2026
Details

FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
724 President Pl, Smyrna, TN 37167
Money Market Tiered
0.65%
$2,500
View
▼
Rate0.65%
Min Deposit$2,500
Min Balance—
UpdatedMar 26, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★ Texas Ratio: 5.08%
471 W Sam Ridley Pkwy, Smyrna, TN 37167
TotalView Money Market Savings
0.60%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★ Texas Ratio: 5.08%
471 W Sam Ridley Pkwy, Smyrna, TN 37167
TotalView Money Market Savings
0.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★ Texas Ratio: 5.08%
471 W Sam Ridley Pkwy, Smyrna, TN 37167
Money Market Savings
0.15%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★ Texas Ratio: 5.08%
471 W Sam Ridley Pkwy, Smyrna, TN 37167
Money Market Savings
0.10%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
724 President Pl, Smyrna, TN 37167
Money Market Tiered
0.00%
$2,500
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMar 26, 2026
Details

Beacon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
DO MORE Money Market Account Share Accounts
4.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

recurring monthly $500 Direct Deposit

Centennial Bank TN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
Money Market Account
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

U T
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
Business Money Market
3.85%
$0
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

$250,000 and over

Centennial Bank TN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
Money Market Account
3.85%
$0
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

F&M Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
Performance Money Market
3.70%
$0
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
Business High Yield Money Market
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Qualifications Required: maintain a balance of $50,000 in a business checking account or a business loan(s) minimum balance of $250,000; Qualifying balance up to $250,000 and over

Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
Money Market
3.33%
$0
View
▼
Rate3.33%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

Financial Federal Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
Money Market
3.30%
$5,000
View
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 2, 2026
Details

Qualifying balance up to $100,000.00

U T
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
Business Money Market
3.30%
$0
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details

$100,000-$249,999

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Money Market Plus Account
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Qualifying balance up to $1,000.00

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Money Market Plus
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

CapStar Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Money Market
3.25%
$20,000
View
▼
Rate—
Min Deposit$20,000
Min Balance—
UpdatedMar 25, 2026
Details

Earn a competitive rate when you open a Market Monitor account with a minimum $20,000 in new money.

Financial Federal Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
Money Market
3.20%
$5,000
View
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 2, 2026
Details

F&M Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
Performance Money Market
3.20%
$0
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Business Money Market Accounts
3.10%
$0
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Money Market Accounts
3.10%
$0
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Money Market Accounts
3.05%
$0
View
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Business Money Market Accounts
3.05%
$0
View
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Money Market Accounts
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Business Money Market Accounts
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Fortera Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
Premium Money Market (New Money Only)
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Planters Bank & Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
High Yield Money Market
2.95%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

F&M Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
Performance Money Market
2.95%
$0
View
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Business Money Market Accounts
2.95%
$0
View
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Money Market Accounts
2.95%
$0
View
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
Money Market
2.83%
$0
View
▼
Rate2.83%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

Gateway First Bank
Institution Rating:
F1.8 ★ Texas Ratio: 53.47%
Gateway Money Market
2.75%
$0
View
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

$25,000 and above

Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
Business High Yield Money Market
2.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Qualifications Required: maintain a balance of $50,000 in a business checking account or a business loan(s) minimum balance of $250,000; Qualifying balance up to $249,999.99

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Money Market Accounts
2.70%
$0
View
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Business Money Market Accounts
2.70%
$0
View
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

F&M Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
Performance Money Market
2.70%
$0
View
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Money Market Accounts
2.55%
$0
View
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Business Money Market Accounts
2.55%
$0
View
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Community Bank Lexington, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 0.19%
Community Money Market
2.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Beacon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
DO MORE Money Market Account Share Accounts
2.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

recurring monthly $500 Direct Deposit

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Money Market Accounts
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Business Money Market Accounts
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

F&M Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
Performance Money Market
2.45%
$0
View
▼
Rate2.42%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
Money Market
2.33%
$0
View
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

Gateway First Bank
Institution Rating:
F1.8 ★ Texas Ratio: 53.47%
Gateway Money Market
2.25%
$0
View
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Any balance up to $24,999.99

TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
Premium Money Market Account
2.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

First South Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
Money Markets
2.18%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Money Market Account
2.10%
$0
View
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

Effective 3/1/2026

Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
Wealth Builder MMA
2.05%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

$250,000 or more

Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
Money Market
2.05%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

Austin Capital Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.43%
Money Market3
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Staley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
Preferred Money Market Accounts
2.02%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
Money Market Account
2.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

EPB Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.81%
Money Markets
2.00%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Beacon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
DO MORE Money Market Account Share Accounts
2.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

recurring monthly $500 Direct Deposit

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Individual Money Market Account
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Business Money Market Account
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

EPB Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.81%
Money Market Account
2.00%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Centennial Bank TN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
Money Market Account
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
Business High Yield Money Market
2.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Qualifications Required: maintain a balance of $50,000 in a business checking account or a business loan(s) minimum balance of $250,000; Qualifying balance up to $99,999.99

F&M Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
Performance Money Market
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Money Market Account
1.95%
$0
View
▼
Rate1.93%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

Effective 3/1/2026

Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
Money Market
1.83%
$0
View
▼
Rate1.83%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

US Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
Money Market Balance
1.81%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Business Money Market Account
1.80%
$0
View
▼
Rate1.79%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Individual Money Market Account
1.80%
$0
View
▼
Rate1.79%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

Staley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
Preferred Money Market Accounts
1.76%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Community Bank Lexington, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 0.19%
Community Money Market
1.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

ORNL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Money Market
1.75%
$0
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Balances of $250,000 or more

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Traditional/Roth IRA Money Market
1.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

F&M Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
Performance Money Market
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

Tennessee State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
Money Market
1.26%
$2,500
View
▼
Rate1.25%
Min Deposit$2,500
Min Balance—
UpdatedApr 2, 2026
Details

Tennessee State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
Commercial Money Market
1.26%
$2,500
View
▼
Rate1.25%
Min Deposit$2,500
Min Balance—
UpdatedApr 2, 2026
Details

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. Rates reflect recent market quotes and representative offers available to depositors in Smyrna, Tennessee and the surrounding area.

Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.

Smyrna, TN Money Market Rate Trends

Compare local Smyrna, TN money market quotes against the statewide average

Daily money market rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Tennessee MMA Trends →
High-Yield MMA — TN Avg
0.593%
▼ 1.871 vs 7 days ago

Tennessee high-yield MMA rates fell 1.871 points over the past 7 days to 0.593% APY.

Standard MMA — TN Avg
1.222%
▲ 0.234 vs 7 days ago

Tennessee standard MMA rates rose 0.234 points over the past 7 days to 1.222% APY.

As of Apr 6, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Money Market Rate Data: We aggregate money market account rates for Smyrna, Tennessee directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every money market rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Smyrna, Tennessee. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in TN.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency.

Frequently Asked Questions about Money Market Accounts in Smyrna, Tennessee

What is a Money Market Account (MMA)?

A Money Market Account (MMA) is a type of savings account that often pays higher interest rates than standard savings accounts. They usually come with check-writing privileges and debit card access, offering a balance of growth and liquidity for savers in Tennessee.

Are Money Market accounts in Smyrna, Tennessee safe?

Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Tennessee up to $250,000 per depositor, per institution.

How often do MMA rates change in Smyrna, Tennessee?

Money market rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Tennessee rate tables daily to ensure you see the most current high-yield options.

Can I write checks from a Money Market Account?

Yes, most Money Market Accounts allow you to write a limited number of checks or make debit card transactions each month (typically up to 6), making them more flexible than a standard savings account.

Best Money Market Rates in Smyrna, Tennessee

Here are some of the highest money market account APYs currently available in Smyrna, Tennessee and the surrounding area:
  • Beacon Financial Credit Union
    DO MORE Money Market Account Share Accounts — 4.00% APY
  • Centennial Bank TN
    Money Market Account — 4.00% APY
  • U T
    Business Money Market — 3.85% APY
  • F&M Bank
    Performance Money Market — 3.70% APY
  • Ascend Federal Credit Union
    Business Money Market — 3.56% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Smyrna, Tennessee. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 5, 2026

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