Oak Ridge, Tennessee (TN) Savings Rates - March 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best savings rates for Oak Ridge, Tennessee and the surrounding area include Tennessee Members 1st Federal Credit UnionTennessee Members 1st Federal Credit Union112 Administration Rd, Oak Ridge, TN 37830A5.0 ★Texas Ratio: 6.71% Platinum Share Draft (with criteria) at 1.25% APY, TnbankTnbank401 S Illinois Ave, Oak Ridge, TN 37830A5.0 ★Texas Ratio: 11.29% Regular Savings at 0.50% APY, Enrichment Federal Credit UnionEnrichment Federal Credit Union201 S ILLINOIS AVE, OAK RIDGE, TN 37830A+5.0 ★Texas Ratio: 4.71% Health Savings Account (HSA) at 0.30% APY, ORNLORNL1 Bethel Valley Rd, Oak Ridge, TN 37830A+5.0 ★Texas Ratio: 1.71% IRA Savings at 0.20% APY, and Y-12 Federal Credit UnionY-12 Federal Credit Union501 Lafayette Dr, Oak Ridge, TN 37830 7909A+5.0 ★Texas Ratio: 3.14% Secondary Business Share at 0.05% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Oak Ridge, 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 Oak Ridge, Tennessee (TN) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Oak Ridge, Tennessee and the surrounding area. Last Updated and Verified: March 28, 2026
Compare the Best Savings Rates in Oak Ridge, Tennessee & Surrounding Communities
Qualifications Required; Qualifying balance up to $15,000.00
Qualifying balance up to $15,000.00; Qualifications Required; Enrolled in online banking; Enrolled in e-statements; Monthly direct deposit of $500 or more; 10 debit card transactions per month with $10 or more transaction amount, not including ATM withdrawals
Subject to Change; Quarterly
Subject to Change; Quarterly
Qualifying balance up to $500.00
Qualifying balance up to $500.00
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
Higher dividends are earned when you maintain a UTFCU consumer checking account and receive at least $500 in total direct deposits per month.
Qualifications Required; Qualifying balance up to $25,000
Higher dividends are earned when you maintain a UTFCU consumer checking account and receive at least $500 in total direct deposits per month.
based on qualifying criteria**
Qualifying balance up to $500.00
Earn 3.00% APY on the first $500.00
Higher dividends are earned when you maintain a UTFCU consumer checking account and receive at least $500 in total direct deposits per month.
Minimum Balance 4,5,6,9,10
Qualifications Required; Qualifying balance up to $10,000
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.
Oak Ridge, TN Savings Rate Trends
Compare local Oak Ridge, 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.
Tennessee high-yield savings rates fell 0.437 points this week to 1.362% APY, down from 1.799% last week.
Tennessee standard savings rates rose 0.296 points this week to 0.546% APY, up from 0.250% last week.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Oak Ridge, 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 Oak Ridge, 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 Oak Ridge, Tennessee
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Oak Ridge, Tennessee safe?
How often do savings rates change in Oak Ridge, Tennessee?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Oak Ridge, Tennessee?
How do I open a savings account in Oak Ridge, Tennessee?
Best Savings Rates in Oak Ridge, Tennessee
- Tennessee Members 1st Federal Credit Union
Platinum Share Draft (with criteria) — 1.25% APY - Tnbank
Regular Savings — 0.50% APY - Enrichment Federal Credit Union
Health Savings Account (HSA) — 0.30% APY - ORNL
IRA Savings — 0.20% APY - Y-12 Federal Credit Union
Secondary Business Share — 0.05% APY
