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Tennessee Savings Rate Trends

Alcoa, Tennessee (TN) Savings Rates - March 2026

The best savings rates for Alcoa, Tennessee and the surrounding area include U TU T1858 Pauling St, Alcoa, TN 37701 3000A+5.0 ★Texas Ratio: 4.31% U Earn Savings at 3.70% APY, Knoxville TVA Employees Credit UnionKnoxville TVA Employees Credit Union1113 Hunters Xing, Alcoa, TN 37701 1852A+5.0 ★Texas Ratio: 3.39% PREMIUM SAVINGS ACCOUNT at 3.50% APY, Alcoa Tenn Federal Credit UnionAlcoa Tenn Federal Credit Union124 N Hall Rd, Alcoa, TN 37701 2648A+5.0 ★Texas Ratio: 4.66% Savings Account at 1.25% APY, First HorizonFirst Horizon112 S Hall Rd, Alcoa, TN 37701A+5.0 ★Texas Ratio: 5.08% TotalView Money Market Savings at 0.75% APY, and ORNLORNL103 Hamilton Crossing Dr, Alcoa, TN 37701A+5.0 ★Texas Ratio: 1.71% IRA Savings at 0.20% APY. Savings rates as of March 27, 2026 according to verified data from MonitorBankRates.

To see how these savings rates in Alcoa, Tennessee, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Alcoa, Tennessee (TN) are continually updated — we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Alcoa, Tennessee and the surrounding area. Last Updated and Verified: March 27, 2026

Compare the Best Savings Rates in Alcoa, Tennessee & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
U T
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1858 Pauling St, Alcoa, TN 37701 3000
U Earn Savings
3.70%
$0
Rate3.64%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Higher dividends are earned when you maintain a UTFCU consumer checking account and receive at least $500 in total direct deposits per month.

U T
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1858 Pauling St, Alcoa, TN 37701 3000
U Rewards Share Draft
3.50%
$0
Rate3.45%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Qualifications Required; Qualifying balance up to $25,000

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1113 Hunters Xing, Alcoa, TN 37701 1852
PREMIUM SAVINGS ACCOUNT
3.50%
$0
Rate3.45%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

U T
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1858 Pauling St, Alcoa, TN 37701 3000
U Earn Savings
3.30%
$0
Rate3.25%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Higher dividends are earned when you maintain a UTFCU consumer checking account and receive at least $500 in total direct deposits per month.

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1113 Hunters Xing, Alcoa, TN 37701 1852
Jump Start Savings
3.00%
$5
Rate2.96%
Min Deposit$5
Min Balance
UpdatedMar 24, 2026
Details

Qualifying balance up to $500.00

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1113 Hunters Xing, Alcoa, TN 37701 1852
PREMIUM SAVINGS ACCOUNT
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1113 Hunters Xing, Alcoa, TN 37701 1852
Jump Start Savings Account
3.00%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 24, 2026
Details

Earn 3.00% APY on the first $500.00

U T
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1858 Pauling St, Alcoa, TN 37701 3000
U Earn Savings
2.80%
$0
Rate2.77%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Higher dividends are earned when you maintain a UTFCU consumer checking account and receive at least $500 in total direct deposits per month.

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1113 Hunters Xing, Alcoa, TN 37701 1852
PREMIUM SAVINGS ACCOUNT
2.00%
$0
Rate1.98%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Alcoa Tenn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
124 N Hall Rd, Alcoa, TN 37701 2648
Savings Account
1.25%
$0
Rate1.24%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Alcoa Tenn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
124 N Hall Rd, Alcoa, TN 37701 2648
Savings Account
1.00%
$0
Rate0.99%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1113 Hunters Xing, Alcoa, TN 37701 1852
Centsible Savings
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

U T
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1858 Pauling St, Alcoa, TN 37701 3000
Youth Shares
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

up to $2,500

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1113 Hunters Xing, Alcoa, TN 37701 1852
Health Savings
0.75%
$0
Rate0.75%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
112 S Hall Rd, Alcoa, TN 37701
TotalView Money Market Savings
0.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
112 S Hall Rd, Alcoa, TN 37701
TotalView Money Market Savings
0.60%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
112 S Hall Rd, Alcoa, TN 37701
TotalView Money Market Savings
0.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Alcoa Tenn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
124 N Hall Rd, Alcoa, TN 37701 2648
Savings Account
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
112 S Hall Rd, Alcoa, TN 37701
Traditional Savings
0.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

ORNL
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
103 Hamilton Crossing Dr, Alcoa, TN 37701
IRA Savings
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

ORNL
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
103 Hamilton Crossing Dr, Alcoa, TN 37701
IRA Savings
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Alcoa Tenn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
124 N Hall Rd, Alcoa, TN 37701 2648
Share Savings
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Alcoa Tenn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
124 N Hall Rd, Alcoa, TN 37701 2648
IRA Share Account
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Alcoa Tenn Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.66%
124 N Hall Rd, Alcoa, TN 37701 2648
Club Savings
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1113 Hunters Xing, Alcoa, TN 37701 1852
Regular Savings
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1113 Hunters Xing, Alcoa, TN 37701 1852
Jump Start Savings
0.15%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 24, 2026
Details

NON-PREMIUM RATE of 0.15% APY minimum is earned on balances of $500.01 or more. When the account is closed, 0.15% APY applies for the month the account is closed.

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1113 Hunters Xing, Alcoa, TN 37701 1852
Business Savings Account
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
112 S Hall Rd, Alcoa, TN 37701
Money Market Savings
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1113 Hunters Xing, Alcoa, TN 37701 1852
Vacation Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

ORNL
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
103 Hamilton Crossing Dr, Alcoa, TN 37701
IRA Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

U T
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1858 Pauling St, Alcoa, TN 37701 3000
Health Savings and up
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

$.01

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
112 S Hall Rd, Alcoa, TN 37701
Money Market Savings
0.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

U T
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1858 Pauling St, Alcoa, TN 37701 3000
Youth Shares
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

over $2,500

ORNL
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
103 Hamilton Crossing Dr, Alcoa, TN 37701
IRA Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

U T
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1858 Pauling St, Alcoa, TN 37701 3000
Premier U Share Draft
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

U T
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1858 Pauling St, Alcoa, TN 37701 3000
Regular Shares
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

U T
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
1858 Pauling St, Alcoa, TN 37701 3000
Premier U Plus Share Draft
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

ORNL
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
103 Hamilton Crossing Dr, Alcoa, TN 37701
Plan Ahead Savings
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1113 Hunters Xing, Alcoa, TN 37701 1852
PREMIUM SAVINGS ACCOUNT
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
4424 Lebanon Pike, Hermitage, TN 37076
Cents-able Savings
7.00%
$5
Rate7.00%
Min Deposit$5
Min Balance
UpdatedMar 23, 2026
Details

First US Bank (AL)
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
100 W Emory Rd, Powell, TN 37849
NextGEN Savings
5.12%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 26, 2026
Details

Qualifying balance up to $500.00

Leaders Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.94%
214 Oil Well Rd, Jackson, TN 38305 7914
Share Savings
5.00%
$10
Rate4.89%
Min Deposit$10
Min Balance
UpdatedMar 27, 2026
Details

Qualifying balance up to $500.00

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN 37210
Kickstart Kids Savings Acct1
4.06%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
110 Bluff Dr, Fayetteville, TN 37334
Brighter Day Savings Account
4.06%
$0
Rate4.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Qualifying balance up to $2,500.00

HCB Hardin County Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.21%
235 Wayne Rd, Savannah, TN 38372
Kasasa Cash* Health Savings Account
4.00%
$100
Rate3.93%
Min Deposit$100
Min Balance
UpdatedMar 27, 2026
Details

FirstBank (TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
71 S Mechanic St, Lynchburg, TN 37352
FirstUp Savings
3.82%
$50
Rate3.75%
Min Deposit$50
Min Balance
UpdatedMar 26, 2026
Details

Qualifications Required: recurring monthly transfer totaling $50.00 or more from the FirstBank personal checking or FirstBank personal money market; Qualifying balance up to $25,000.00

Community Bank Lexington, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
19 Natchez Trace Dr S, Lexington, TN 38351
Community Reserve High Yield Savings
3.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
2050 Lowes Dr, Clarksville, TN 37040 1620
High Yield Savings
3.50%
$0
Rate3.45%
Min Deposit$0
Min Balance
UpdatedMar 23, 2026
Details

Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
1701 21st Ave s, Nashville, TN 37212 3703
High Yield Savings
3.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2, Gray, TN 37615
Share Draft (Peak Checking)
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

based on qualifying criteria**

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
1556 W Mcewen Dr, Franklin, TN 37067
PNC High Yield Savings®
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
89 Hermitage Ave, Nashville, TN 37210
Emergency Fund Savings
3.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
2050 Lowes Dr, Clarksville, TN 37040 1620
High Yield Savings
3.00%
$0
Rate2.97%
Min Deposit$0
Min Balance
UpdatedMar 23, 2026
Details

Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
905 Tusculum Blvd, Greeneville, TN 37745
Gateway High Yield Savings
2.75%
$0
Rate2.72%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Minimum Balance 4,5,6,9,10

Outreach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
3904 Central Pike, Hermitage, TN 37076 3409
Share Savings Account
2.53%
$0
Rate2.50%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
2050 Lowes Dr, Clarksville, TN 37040 1620
High Yield Savings
2.50%
$0
Rate2.48%
Min Deposit$0
Min Balance
UpdatedMar 23, 2026
Details

TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN 37415 6911
Premium Savings
2.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
2050 Lowes Dr, Clarksville, TN 37040 1620
High Yield Savings
2.25%
$0
Rate2.23%
Min Deposit$0
Min Balance
UpdatedMar 23, 2026
Details

Morgantown B&T
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
3102 West End Ave, Nashville, TN 37203
Health Savings Account
2.02%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Morgantown B&T
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
3102 West End Ave, Nashville, TN 37203
Club Savings
2.02%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 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.

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.

Alcoa, TN Savings Rate Trends

Compare local Alcoa, TN savings rate quotes against the statewide average

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

View Full Tennessee Savings Trends →
High-Yield Savings — TN Avg
1.294%
▼ 0.257 from last week

Tennessee high-yield savings rates fell 0.257 points this week to 1.294% APY, down from 1.551% last week.

Standard Savings — TN Avg
0.515%
▲ 0.264 from last week

Tennessee standard savings rates rose 0.264 points this week to 0.515% APY, up from 0.251% last week.

As of Mar 27, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Alcoa, 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 savings 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 Alcoa, Tennessee. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in TN.

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

Frequently Asked Questions about Savings Accounts in Alcoa, Tennessee

What is a High-Yield Savings Account (HYSA)?

A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Tennessee, help your money grow faster through a higher APY.

Are savings accounts in Alcoa, 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 savings rates change in Alcoa, Tennessee?

Savings 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.

Do I need a minimum deposit to open a savings account?

It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Alcoa, Tennessee may require $25–$100 to open an account.

What is the difference between a Savings Account and a Money Market Account?

Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.

Are online banks better than local banks in Alcoa, Tennessee?

Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Alcoa, Tennessee offer in-person customer service, which some customers prefer.

How do I open a savings account in Alcoa, Tennessee?

You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.

Best Savings Rates in Alcoa, Tennessee

Here are recent savings rates observed in Alcoa, Tennessee and the surrounding area:
  • U T
    U Earn Savings — 3.70% APY
  • Knoxville TVA Employees Credit Union
    PREMIUM SAVINGS ACCOUNT — 3.50% APY
  • Alcoa Tenn Federal Credit Union
    Savings Account — 1.25% APY
  • First Horizon
    TotalView Money Market Savings — 0.75% APY
  • ORNL
    IRA Savings — 0.20% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Alcoa, Tennessee. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 27, 2026