Chattanooga, Tennessee (TN) Savings Rates - March 2026
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The savings 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.
The best savings rates for Chattanooga, Tennessee and the surrounding area include FirstBank (TN)FirstBank (TN)7442 Shallowford Rd, Chattanooga, TN 37421A5.0 ★Texas Ratio: 6.39% FirstUp Savings at 3.82% APY, TRUST Federal Credit UnionTRUST Federal Credit Union2186 Northgate Park Ln, Chattanooga, TN 37415 6911B+4.7 ★Texas Ratio: 18.28% Premium Savings at 2.50% APY, Chattanooga Federal Employees Credit UnionChattanooga Federal Employees Credit Union2011 Stein Dr, Chattanooga, TN 37421 1692A+5.0 ★Texas Ratio: 3.71% Special Savings at 2.02% APY, SouthEast BankSouthEast Bank605 Chestnut St, Chattanooga, TN 37450C-3.6 ★Texas Ratio: 31.66% Bonus Rate Savings at 2.01% APY, and EPB Employees Credit UnionEPB Employees Credit Union1500 McCallie Ave, Chattanooga, TN 37404 2937A5.0 ★Texas Ratio: 8.81% IRA Savings at 2.00% APY. Savings rates as of March 27, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Chattanooga, 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 Chattanooga, Tennessee (TN) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Chattanooga, Tennessee and the surrounding area. Last Updated and Verified: March 27, 2026
Compare the Best Savings Rates in Chattanooga, Tennessee & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
FirstBank (TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
7442 Shallowford Rd, Chattanooga, TN 37421
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
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
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN 37415 6911
Premium Savings
2.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2011 Stein Dr, Chattanooga, TN 37421 1692
Special Savings
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
SouthEast Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.66%
605 Chestnut St, Chattanooga, TN 37450
Bonus Rate Savings
2.01%
$50
▼
Rate0.00%
Min Deposit$50
Min Balance—
UpdatedMar 21, 2026
Details
Qualifications Required: SouthEast Bank checking account with the Round Up feature; eStatements; 15 debit card purchases; Qualifying balance up to $10,000
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
1500 McCallie Ave, Chattanooga, TN 37404 2937
IRA Savings
2.00%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2011 Stein Dr, Chattanooga, TN 37421 1692
Special Savings
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
8171 E Brainerd Rd, Chattanooga, TN 37421 4302
Member SelectTM Share Draft
1.50%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
701 Market St, Chattanooga, TN 37402
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%
701 Market St, Chattanooga, TN 37402
TotalView Money Market Savings
0.60%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.28%
2186 Northgate Park Ln, Chattanooga, TN 37415 6911
Savings
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
701 Market St, Chattanooga, TN 37402
TotalView Money Market Savings
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN 37402
Health Savings Accounts
0.45%
$0
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN 37402
Youth Savings Accounts
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN 37402
Share Accounts
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
535 Chestnut St, Chattanooga, TN 37402
Business Share & Club
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
8171 E Brainerd Rd, Chattanooga, TN 37421 4302
Share
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
701 Market St, Chattanooga, TN 37402
Traditional Savings
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
8171 E Brainerd Rd, Chattanooga, TN 37421 4302
Share
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
8171 E Brainerd Rd, Chattanooga, TN 37421 4302
Member Plus Share Draft
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
BCBST Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1 Cameron Hill Cir, Chattanooga, TN 37402
Regular Share Accounts
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
701 Market St, Chattanooga, TN 37402
Money Market Savings
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
701 Market St, Chattanooga, TN 37402
Money Market Savings
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
SouthEast Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.66%
605 Chestnut St, Chattanooga, TN 37450
Consumer Statement Savings
0.05%
$50
▼
Rate0.00%
Min Deposit$50
Min Balance—
UpdatedMar 21, 2026
Details
Great option for overdraft services when linked to checking
Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
2011 Stein Dr, Chattanooga, TN 37421 1692
Share Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
512 National Ave, Chattanooga, TN 37404
Regular Share
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Southeast Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.03%
512 National Ave, Chattanooga, TN 37404
Membership Share
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Memorial Credit Union Chattanooga, TN
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
6800 Longview Rd, Chattanooga, TN 37421
Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
$10,000.00 and
FirstBank (TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
7442 Shallowford Rd, Chattanooga, TN 37421
Basic Savings
0.05%
$50
▼
Rate0.05%
Min Deposit$50
Min Balance—
UpdatedMar 26, 2026
Details
FirstBank (TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
7442 Shallowford Rd, Chattanooga, TN 37421
UTMA-Minor Savings
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 26, 2026
Details
Memorial Credit Union Chattanooga, TN
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
6800 Longview Rd, Chattanooga, TN 37421
Savings
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
$500.00 to $9,999.99
Memorial Credit Union Chattanooga, TN
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
6800 Longview Rd, Chattanooga, TN 37421
Premium Share Draft
0.01%
$500
▼
Rate0.01%
Min Deposit$500
Min Balance—
UpdatedMar 20, 2026
Details
Healthcare Services Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.52%
1111 E 3rd St, Chattanooga, TN 37403 2202
Share and Club Accounts
0.01%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
As high as
Memorial Credit Union Chattanooga, TN
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
6800 Longview Rd, Chattanooga, TN 37421
Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 20, 2026
Details
up to $499.99
EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
1500 McCallie Ave, Chattanooga, TN 37404 2937
Shares
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Memorial Credit Union Chattanooga, TN
Institution Rating:
A+5.0 ★Texas Ratio: 4.42%
6800 Longview Rd, Chattanooga, TN 37421
Basic Share Drafts
0.01%
$250
▼
Rate0.01%
Min Deposit$250
Min Balance—
UpdatedMar 20, 2026
Details
Scenic Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
8171 E Brainerd Rd, Chattanooga, TN 37421 4302
Member Focused Share Draft
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 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 20, 2026
Details
Qualifying balance up to $500.00
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
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
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
U T
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2100 White Ave, Knoxville, TN 37916 2216
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.
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
U T
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2100 White Ave, Knoxville, TN 37916 2216
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
U T
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2100 White Ave, Knoxville, TN 37916 2216
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.
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
U T
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
2100 White Ave, Knoxville, TN 37916 2216
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.
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
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
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
Elizabethton FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
112 N Sycamore St, Elizabethton, TN 37643
High Yield Savings
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
First Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
300 Sunset Dr, Johnson City, TN 37604
Community Savings
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
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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.
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.
Chattanooga, TN Savings Rate Trends
Compare local Chattanooga, 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.
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 Chattanooga, 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 Chattanooga, 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 Chattanooga, 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 Chattanooga, 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 Chattanooga, 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 Chattanooga, 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 Chattanooga, Tennessee?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Chattanooga, Tennessee offer in-person customer service, which some customers prefer.
How do I open a savings account in Chattanooga, 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 Chattanooga, Tennessee
Here are recent savings rates observed in Chattanooga, Tennessee and the surrounding area:
- FirstBank (TN)
FirstUp Savings — 3.82% APY - TRUST Federal Credit Union
Premium Savings — 2.50% APY - Chattanooga Federal Employees Credit Union
Special Savings — 2.02% APY - SouthEast Bank
Bonus Rate Savings — 2.01% APY - EPB Employees Credit Union
IRA Savings — 2.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Chattanooga, Tennessee. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 27, 2026
