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Tennessee Savings Rate Trends

Johnson City, Tennessee (TN) Savings Rates - March 2026

The best savings rates for Johnson City, Tennessee and the surrounding area include FsnbFsnb3111 Browns Mill Rd, Johnson City, TN 37604A5.0 ★Texas Ratio: 12.00% Cents-able Savings at 7.00% APY, Knoxville TVA Employees Credit UnionKnoxville TVA Employees Credit Union2004 N Roan St, Johnson City, TN 37601A+5.0 ★Texas Ratio: 3.39% PREMIUM SAVINGS ACCOUNT at 3.50% APY, Appalachian Community Federal Credit UnionAppalachian Community Federal Credit Union3101 Peoples St, Johnson City, TN 37604A+5.0 ★Texas Ratio: 1.21% Share Draft (Peak Checking) at 3.25% APY, Elizabethton FSBElizabethton FSB304 Sunset Dr, Johnson City, TN 37604A+5.0 ★Texas Ratio: 0.47% High Yield Savings at 2.02% APY, and Eastman Credit UnionEastman Credit Union113 Broyles Dr, Johnson City, TN 37601A+5.0 ★Texas Ratio: 1.31% Share Savings Account at 2.00% APY. Savings rates as of March 27, 2026 according to verified data from MonitorBankRates.

To see how these savings rates in Johnson City, 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 Johnson City, Tennessee (TN) are continually updated — we recommend checking back frequently.

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

Compare the Best Savings Rates in Johnson City, Tennessee & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
3111 Browns Mill Rd, Johnson City, TN 37604
Cents-able Savings
7.00%
$5
Rate7.00%
Min Deposit$5
Min Balance
UpdatedMar 23, 2026
Details

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
2004 N Roan St, Johnson City, TN 37601
PREMIUM SAVINGS ACCOUNT
3.50%
$0
Rate3.45%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
3101 Peoples St, Johnson City, TN 37604
Share Draft (Peak Checking)
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

based on qualifying criteria**

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
2004 N Roan St, Johnson City, TN 37601
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%
2004 N Roan St, Johnson City, TN 37601
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

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
2004 N Roan St, Johnson City, TN 37601
Jump Start Savings
3.00%
$5
Rate2.96%
Min Deposit$5
Min Balance
UpdatedMar 24, 2026
Details

Qualifying balance up to $500.00

Elizabethton FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
304 Sunset Dr, Johnson City, TN 37604
High Yield Savings
2.02%
$0
Rate2.00%
Min Deposit$0
Min Balance
UpdatedMar 23, 2026
Details

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
113 Broyles Dr, Johnson City, TN 37601
Share Savings Account
2.00%
$0
Rate1.98%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
2004 N Roan St, Johnson City, TN 37601
PREMIUM SAVINGS ACCOUNT
2.00%
$0
Rate1.98%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
113 Broyles Dr, Johnson City, TN 37601
Share Savings Account
1.80%
$0
Rate1.79%
Min Deposit$0
Min Balance
UpdatedMar 25, 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

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
113 Broyles Dr, Johnson City, TN 37601
Share Savings Account
1.25%
$0
Rate1.24%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Elizabethton FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
304 Sunset Dr, Johnson City, TN 37604
High Yield Savings
1.01%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMar 23, 2026
Details

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
113 Broyles Dr, Johnson City, TN 37601
Share Savings Account
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
313 W Oakland Ave, Johnson City, TN 37604
Share and Club Dividends
1.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
2004 N Roan St, Johnson City, TN 37601
Centsible Savings
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
113 Broyles Dr, Johnson City, TN 37601
Share Savings Account
0.85%
$0
Rate0.85%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
3101 Peoples St, Johnson City, TN 37604
Share (Savings)
0.80%
$0
Rate0.80%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Elizabethton FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
304 Sunset Dr, Johnson City, TN 37604
High Yield Savings
0.80%
$0
Rate0.80%
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
0.75%
$0
Rate0.75%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.63%
313 W Oakland Ave, Johnson City, TN 37604
Share and Club Dividends
0.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
2004 N Roan St, Johnson City, TN 37601
Health Savings
0.75%
$0
Rate0.75%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
113 Broyles Dr, Johnson City, TN 37601
Share Savings Account
0.75%
$0
Rate0.75%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
2112 N Roan St, Johnson City, TN 37601
TotalView Money Market Savings
0.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
3111 Browns Mill Rd, Johnson City, TN 37604
Savings Tier Three
0.70%
$0
Rate0.70%
Min Deposit$0
Min Balance
UpdatedMar 23, 2026
Details

Minimum Balance to open account: $5; Minimum balance to earn Interest and obtain APY: $25; Balances $50,000.00 or more

First Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
300 Sunset Dr, Johnson City, TN 37604
Community Savings
0.60%
$0
Rate0.60%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
2112 N Roan St, Johnson City, TN 37601
TotalView Money Market Savings
0.60%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
3101 Peoples St, Johnson City, TN 37604
Share (Savings)
0.55%
$0
Rate0.55%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
2112 N Roan St, Johnson City, TN 37601
TotalView Money Market Savings
0.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
3111 Browns Mill Rd, Johnson City, TN 37604
Savings Tier Two
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMar 23, 2026
Details

Minimum Balance to open account: $5; Minimum balance to earn Interest and obtain APY: $25; Balances $5,000.00 to $49,999.99

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
3101 Peoples St, Johnson City, TN 37604
IRA Share
0.45%
$0
Rate0.45%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Select Seven Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
333 E Main St, Johnson City, TN 37601
Regular Share
0.40%
$0
Rate0.40%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

$50,000.00 and Up

Greater Eastern Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.77%
2110 W Mountcastle Dr, Johnson City, TN 37604
Youth Savings
0.35%
$5
Rate0.35%
Min Deposit$5
Min Balance
UpdatedMar 26, 2026
Details

Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
3111 Browns Mill Rd, Johnson City, TN 37604
Savings Tier One
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMar 23, 2026
Details

Minimum Balance to open account: $5; Minimum balance to earn Interest and obtain APY: $25; Balances less than $5,000.00

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
113 Broyles Dr, Johnson City, TN 37601
Share Savings Account
0.30%
$5
Rate0.30%
Min Deposit$5
Min Balance
UpdatedMar 25, 2026
Details

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
113 Broyles Dr, Johnson City, TN 37601
Personal Savings
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
3101 Peoples St, Johnson City, TN 37604
Share Draft (Premier Checking)
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Select Seven Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
333 E Main St, Johnson City, TN 37601
Regular Share
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

$25,000.00-$49,999.00

Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
3028 Peoples St, Johnson City, TN 37604
Business Savings
0.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

First Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
300 Sunset Dr, Johnson City, TN 37604
Community Savings
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
3101 Peoples St, Johnson City, TN 37604
Share (Savings)
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
4718 N Roan St, Johnson City, TN 37615 3837
Regular Share(Savings) and IRA Share Accounts
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A+5.0 ★Texas Ratio: 3.69%
3028 Peoples St, Johnson City, TN 37604
EZ Savings
0.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
2112 N Roan St, Johnson City, TN 37601
Traditional Savings
0.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Select Seven Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
333 E Main St, Johnson City, TN 37601
Regular Share
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

$10,000.00-$24,999.00

United Southeast Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.52%
4718 N Roan St, Johnson City, TN 37615 3837
Regular Share(Savings) and IRA Share Accounts
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
3101 Peoples St, Johnson City, TN 37604
Share Club
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
2112 N Roan St, Johnson City, TN 37601
Money Market Savings
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
203 Broyles Dr, Johnson City, TN 37601
Eclipse Investment Savings
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
2112 N Roan St, Johnson City, TN 37601
Money Market Savings
0.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Elizabethton FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
304 Sunset Dr, Johnson City, TN 37604
High Yield Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 23, 2026
Details

Eclipse Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
203 Broyles Dr, Johnson City, TN 37601
Classic Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 25, 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

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

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.

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

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.

Johnson City, TN Savings Rate Trends

Compare local Johnson City, 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 Johnson City, 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 Johnson City, 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 Johnson City, 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 Johnson City, 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 Johnson City, 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 Johnson City, 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 Johnson City, Tennessee?

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

How do I open a savings account in Johnson City, 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 Johnson City, Tennessee

Here are recent savings rates observed in Johnson City, Tennessee and the surrounding area:
  • Fsnb
    Cents-able Savings — 7.00% APY
  • Knoxville TVA Employees Credit Union
    PREMIUM SAVINGS ACCOUNT — 3.50% APY
  • Appalachian Community Federal Credit Union
    Share Draft (Peak Checking) — 3.25% APY
  • Elizabethton FSB
    High Yield Savings — 2.02% APY
  • Eastman Credit Union
    Share Savings Account — 2.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Johnson City, Tennessee. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 27, 2026