Brentwood, Tennessee Money Market Rates for October 2026
Brian McKay
Brian McKay
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Brentwood, Tennessee money market account rates range from 0.01% to 4.00% APY, verified by MonitorBankRates as of October 31, 2026. Current Brentwood, Tennessee and the surrounding area money market deposit account rates include Ascend Federal Credit UnionAscend Federal Credit Union782 Old Hickory Blvd, Brentwood, TN 37027A+5.0 ★Texas Ratio: 2.35%Real return: +0.12%APY minus 3.7% CPIRate verified Oct 28, 2026 Business High-Yield Money Market at 3.82% APY, VirtualBankVirtualBank202 Franklin Rd, Brentwood, TN 37027A+5.0 ★Texas Ratio: 5.76%Real return: -0.19%APY minus 3.7% CPIRate verified Oct 31, 2026 eMoney Market Special at 3.51% APY, US BankUS Bank289 Franklin Rd, Brentwood, TN 37027A+5.0 ★Texas Ratio: 2.85%Real return: -0.30%APY minus 3.7% CPIRate verified Oct 31, 2026 Elite Money Market Account at 3.40% APY, Republic Bank & Trust CompanyRepublic Bank & Trust Company101 Creekside Xing, Brentwood, TN 37027A+5.0 ★Texas Ratio: 2.91%Real return: -2.20%APY minus 3.7% CPIRate verified Oct 26, 2026 Commercial Money Market Max at 1.50% APY, and Southeast Financial Credit UnionSoutheast Financial Credit Union5110 Maryland Way Ste 100, Brentwood, TN 37027A5.0 ★Texas Ratio: 7.91%Real return: -2.20%APY minus 3.7% CPIRate verified Oct 30, 2026 Money Market Accounts at 1.50% APY. Money market rates as of October 31, 2026 according to verified data from MonitorBankRates.
Brentwood has 9 local institutions in our database, with money market rates as high as 3.82% APY from Ascend Federal Credit Union at 782 Old Hickory Blvd, Brentwood, TN 37027. Use the table below to compare all available offers, including options from institutions serving the broader Tennessee area. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Brentwood, Tennessee and surrounding area. Last Updated and Verified: October 31, 2026
Compare the Best Money Market Rates Today in Brentwood, Tennessee & the Surrounding Area
Balance: $5,000,000.00 AND OVER
Balance: $5,000,000 AND OVER
Special rate for new accounts opened today; Balance: not stated
Balance: $25,000 to $49,999.99; New U.S. Bank Elite Money Market clients only; requires deposit of at least $25,000 within 30 days of opening and daily balance of at least $25,000 maintained
Variable-rate account; rates effective October 1, 2026
- Oct 4, 20263.30%▲ from 3.14%
- Sep 14, 20263.14%first recorded
Variable-rate account; APY accurate as of October 1, 2026
- Oct 4, 20263.30%▲ from 3.14%
- Sep 14, 20263.14%first recorded
Balance: $1,000,000 +; A tiered rate account with unlimited deposits and limited withdrawals.
Balance: $100,001+
Balance: $100,000 - $249,999.99
Balance: $100,000 - $249,999.99
Balance: $75,001 - $100,000
Balance: $10,000 - $99,999.99
Balance: $10,000 - $99,999.99
Balance: $50,001 - $75,000
Balance: 500,000 - 999,999
Balance: 100,000 - 249,999
Balance: $25,001 - $50,000
Balance: >= 500,000
Balance: $100,000 - $999,999.99; A tiered rate account with unlimited deposits and limited withdrawals.
Balance: $10,001 - $25,000
Balance: 100,000 - 249,999
Balance: Equal to or greater than $1,000,000
Balance: $2,500 - $10,000
Balance: Equal to or greater than $500,000 but less than $1,000,000
Balance: 0 - 9,999
Balance: Equal to or greater than $250,000 but less than $500,000
Balance: $50,000 - $99,999.99; A tiered rate account with unlimited deposits and limited withdrawals.
Balance: $2,500 - $9,999.99
Balance: $2,500 - $9,999.99
Balance: $500,000 and over; A tiered rate account with unlimited deposits and limited withdrawals.
Balance: Equal to or greater than $100,000 but less than $250,000
Balance: $100,000 - $499,999.99; A tiered rate account with unlimited deposits and limited withdrawals.
Balance: 0 - 9,999
Balance: Equal to or greater than $50,000 but less than $100,000
Balance: $0 - $99,999.99; A tiered rate account with unlimited deposits and limited withdrawals.
Balance: Below $50,000
Balance: $0 - $49,999.99; A tiered rate account with unlimited deposits and limited withdrawals.
Balance: $200,000 and over
Balance: Under $2500
- Oct 28, 20260.20%▼ from 3.30%
- Oct 4, 20263.30%▲ from 3.14%
- Sep 14, 20263.14%first recorded
Balance: Under $2,500
- Oct 28, 20260.20%▼ from 3.30%
- Oct 4, 20263.30%▲ from 3.14%
- Sep 14, 20263.14%first recorded
Balance: $100,000 - $199,999.99
Balance: $50,000 - $99,999
Balance: $50,000 - $99,999.99
Balance: $0 - $24,999
Balance: $10,000 - $49,999.99
Balance: $25,000.00 - $249,999.99; An interest-bearing savings account with a minimum balance required to avoid a monthly fee.
Balance: Under $10,000
Balance: $0 to $9,999.99; Standard interest rate tier
Balance: $0.00 - $2,499
Balance: $500,000 & Above
- Oct 31, 20264.00%▲ from 3.70%
- Sep 15, 20263.70%first recorded
Balance: $500,000.00 and over; Variable rate, moves with Wall Street Journal Prime Rate; Three withdrawals per statement cycle; APY accurate as of 9/21/2026
Balance: $1,000,000 or more
Balance: $200,000 + with recurring monthly $500 Direct Deposit
Balance: $250,000 - $499,999.99
- Oct 31, 20263.85%▲ from 3.70%
- Sep 15, 20263.70%first recorded
Balance: $250,000 and over; Tiered account; Available to Sole Proprietor/DBAs, Partnerships, LLCs, Corporations, and Organizations; Fees may reduce earnings
Balance: $250,000+
Balance: over $100,000; Earn dividends on balances over $100,000; No monthly service fee; Available to individuals and businesses.
- Oct 19, 20263.75%▲ from 3.50%
- Sep 18, 20263.50%first recorded
Balance: $250,000 to $499,999
Balance: $100,000.00 - $249,999.99
Balance: greater than $1MM; Tier 6; $10 monthly fee if daily balance falls below $2,500; Rates accurate as of 9/17/2026
- Oct 20, 20263.56%▲ from 3.30%
- Oct 14, 20263.30%▼ from 3.56%
- Sep 24, 20263.56%▲ from 3.30%
- Sep 14, 20263.30%first recorded
Balance: $50,000.00 - $99,999.99; Minimum to Open: $2,500.00; Minimum Daily Balance: $2,500.00; Tiered Interest Rate; Cannot open online
Balance tier minimum: $300,000; Money Market ($5,000 min.); Dividends calculated by the daily balance method and posted monthly
- Oct 30, 20263.56%▼ from 3.56%
- Oct 26, 20263.56%▼ from 3.56%
- Oct 22, 20263.56%first recorded
Balance: Over $1,000,000
Qualifications Required; Balance: $25,000+; dividends calculated daily, compounded quarterly
Balance: $500,000+
Balance: Over $250,001.00
Balance: $250,000.00 and Greater; Rate tied to 13-Week Treasury Bill minus margin
- Oct 26, 20263.48%▼ from 3.49%
- Oct 14, 20263.49%▲ from 3.47%
- Oct 2, 20263.47%▲ from 3.41%
- Sep 24, 20263.41%▲ from 3.37%
Balance: over $100,000; Interest earned on the entire daily balance; Rates effective September 24, 2026
Balance: $5,000 - $100,000; Interest earned on the entire daily balance; Rates effective September 24, 2026
Balance: $50,000.00 and above; On Amounts $50,000 And Above; Minimum to open is $1,000; Average daily balance of $1,000 required to avoid monthly fee; Fees could reduce earnings
Balance: $100,000-$249,999; Tiered account; Available to Sole Proprietor/DBAs, Partnerships, LLCs, Corporations, and Organizations; Fees may reduce earnings
Balance: $100,000.00 - $249,999.99; Rate tied to 13-Week Treasury Bill minus margin
- Oct 26, 20263.23%▼ from 3.24%
- Oct 14, 20263.24%▲ from 3.22%
- Oct 2, 20263.22%▲ from 3.15%
- Sep 24, 20263.15%▲ from 3.11%
Balance: $100,000 - $249,999.99
Balance: $200,000 and over
$5,000; Balance: $300,000 minimum; APR column shown as rate; Dividends calculated by the daily balance method and posted quarterly
Balance: $150,000 - $199,999
Balance tier minimum: $200,000; Money Market ($5,000 min.); Dividends calculated by the daily balance method and posted monthly
- Oct 30, 20263.04%▼ from 3.04%
- Oct 26, 20263.04%▼ from 3.04%
- Oct 22, 20263.04%first recorded
Balance: $500,001 - $1MM; Tier 5; $10 monthly fee if daily balance falls below $2,500; Rates accurate as of 9/17/2026
- Oct 20, 20263.04%▲ from 2.78%
- Oct 14, 20262.78%▼ from 3.04%
- Sep 19, 20263.04%▲ from 2.78%
- Sep 14, 20262.78%first recorded
Balance: $500,000 - $750,000
Balance: $750,000 - $1,000,000
Balance: $100,000 - $149,999
Balance: $250,000 - $999,999
Balance: $100,001.00 - $250,000.00
Balance: $100,000 to $249,999
Balance: $50,000.00 - $99,999.99; Rate tied to 13-Week Treasury Bill minus margin
- Oct 26, 20262.97%▼ from 2.98%
- Oct 14, 20262.98%▲ from 2.96%
- Oct 2, 20262.96%▲ from 2.90%
- Sep 24, 20262.90%▲ from 2.86%
Advertised as up to 2.95% APY on homepage promo card
Balance: $50,000 - $99,999; $2,500 minimum balance is required to earn dividends
Balance: $50,000 - $99,999
Balance: $250,000.00 - $499,999.99; Variable rate, moves with Wall Street Journal Prime Rate; Three withdrawals per statement cycle; APY accurate as of 9/21/2026
Footnote: APY of 2.79% with an interest rate of 2.75%; No service charge when daily balance is over $1,000 ($12 monthly standard service charge); Six withdrawals/outgoing transfers per month, additional withdrawals $2 each; Existing Paragon customers must have a Paragon Bank checking account; New or existing money; APY as of 10/1/2026
$5,000; Balance: $200,000 minimum; APR column shown as rate; Dividends calculated by the daily balance method and posted quarterly
Balance tier minimum: $100,000; Money Market ($5,000 min.); Dividends calculated by the daily balance method and posted monthly
- Oct 30, 20262.79%▼ from 2.79%
- Oct 26, 20262.79%▼ from 2.79%
- Oct 22, 20262.79%first recorded
Balance: $50,000 and Above
Balance: $200,000 - and above
Balance: $150,001 and Above
- Oct 10, 20262.75%▲ from 2.51%
- Sep 14, 20262.51%first recorded
Balance: $25,000.00 - $49,999.99; Rate tied to 13-Week Treasury Bill minus margin
- Oct 26, 20262.71%▼ from 2.72%
- Oct 14, 20262.72%▲ from 2.70%
- Oct 2, 20262.70%▲ from 2.64%
- Sep 24, 20262.64%▲ from 2.60%
Balance: $25,000 and above
Balance: $250,000 - $500,000
Balance: $500,000.00 - $ >
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.
Brentwood, TN Money Market Rate Trends
Compare local Brentwood, 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.
Tennessee high-yield MMA rates fell 0.030 points over the past 7 days to 3.187% APY.
Tennessee standard MMA rates rose 0.036 points over the past 7 days to 0.761% APY.
Brentwood, Tennessee Money Market Rate Forecast, Next 12 Months
Money market rates move with Federal Reserve policy. Our model uses the current TN high-yield MMA average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Money market account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current TN high-yield money market average of 3.187% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield money market rates tend to adjust faster than standard branch-based accounts.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Brentwood, Tennessee.
Money Market Account Earnings in Brentwood, Tennessee
Annual interest earnings at current TN average APYs, based on the high-yield and standard money market averages tracked in our database. Balances reflect the higher minimums typical of money market accounts. Compounding assumed monthly.
| Balance | HY Money Market (3.187% APY) | Monthly Earnings | Standard MMA (0.761% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $318.70 / year | $26.56 | $76.08 / year | $6.34 |
| $25,000 | $796.75 / year | $66.40 | $190.20 / year | $15.85 |
| $50,000 | $1,593.50 / year | $132.79 | $380.40 / year | $31.70 |
| $100,000 | $3,187.00 / year | $265.58 | $760.80 / year | $63.40 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, rate tier, and daily balance maintained. Rates are variable and subject to change. Source: Brentwood, Tennessee money market rate averages as of October 31, 2026. | ||||
About Our Brentwood, Tennessee Money Market Rate Database
MonitorBankRates found 9 institutions with branches in Brentwood (6 banks, 3 credit unions), plus 38 additional state-chartered and national online institutions available to Brentwood residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Ascend Federal Credit Union offers a money market account at 3.82% APY. Use the rate table above to compare all current offers in Brentwood, Tennessee.
How to Find the Best Money Market Rates in Brentwood, Tennessee
What to compare when shopping for a money market account in Brentwood, Tennessee
To find the best money market APYs in Brentwood, Tennessee, start with credit unions and online-only banks: Brentwood, Tennessee has 27 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate, and pay close attention to balance tiers. Many money market accounts only pay their advertised top rate above a minimum balance of $1,000 to $25,000, with lower rates (or monthly fees) below that threshold. The current TN high-yield money market average is 3.187% but top local institutions are offering as high as 3.82%, so shopping around pays off.
Unlike a CD, money market rates are variable. Your rate can change at any time with Federal Reserve policy. Also check check-writing and debit card limits: most MMAs allow a set number of withdrawals per month, and exceeding the limit can trigger fees. Review your account periodically to ensure your APY remains competitive.
When a Money Market Account Makes Sense
- Emergency fund with flexibility: You get savings-level yields plus limited check-writing and debit access. Brentwood, Tennessee high-yield money market rates currently average 3.187% APY, far above a typical checking account.
- Larger balances ($10,000+): Many MMAs pay tiered rates that rise with your balance, so bigger deposits often earn more than they would in a standard savings account.
- Parking cash between investments: A high-yield money market account at Brentwood, Tennessee institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 47 institutions in Brentwood, Tennessee report money market rates to our database.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return Brentwood, Tennessee CD rates
- You don’t need check writing and want a lower minimum Brentwood, Tennessee savings rates
- You need daily transaction access Brentwood, Tennessee checking rates
Brentwood, Tennessee Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
16.3% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 2.6% reflects a strong local economy with solid savings capacity. At today’s TN high-yield money market average of 3.187%, saving 10% of the local median salary ($8,074/year) would earn an additional $257 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Brentwood, Tennessee Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Brentwood, Tennessee.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current TN Avg APY | 3.187% | View Savings Rates | 0.761%(Standard MMA) | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✓ Often yes | ✗ No | ✗ No | ✗ No |
| Debit / ATM Card | ✓ Often yes | Some institutions | ✗ Rarely | ✗ No |
| Typical Min Deposit | $0 to $2,500 | $0 to $100 | $25 to $100 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Active savers wanting flexibility + check writing | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Locking in a rate for a defined period |
APY data reflects Brentwood, Tennessee averages tracked in our database as of October 31, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Brentwood, Tennessee Money Market Account Calculator
See how much a money market account can earn you. Enter your deposit, monthly contribution, and time frame, or click any current Brentwood, Tennessee rate on the right to apply it instantly. Interest compounds monthly.
Assumes monthly compounding and a constant APY for the full period. Money market rates are variable and can change at any time, so actual earnings will differ. Estimates are for informational purposes only.
Money Market & Savings Calculators for Brentwood, Tennessee
At TN’s top money market rate of 3.82% from Ascend Federal Credit Union, a $10,000 deposit earns $382 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Brentwood, Tennessee earner is roughly $20,200. At 3.187% APY in a money market account, saving $1,680/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountTennessee’s high-yield money market average is 3.187% APY, variable, always accessible, and often with check-writing. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Brentwood, Tennessee earner makes $80,743/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.187% APY.
Retirement PlannerA $25,000 money market balance earning 3.187% APY grows to roughly $46,821 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Brentwood, Tennessee money market rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market deposit account rates for Brentwood, 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 Brentwood, 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 Brentwood, Tennessee
What are money market account rates in Brentwood, Tennessee today?
What is a Money Market Account (MMA)?
Are Money Market accounts in Brentwood, Tennessee safe?
How often do MMA rates change in Brentwood, Tennessee?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Brentwood, Tennessee?
Can I lose money in a Money Market Account?
What is the difference between a Money Market Account and a Money Market Fund?
Do I have to pay taxes on money market account interest?
Are online banks better than local banks in Brentwood, Tennessee for money market accounts?
Best Money Market Rates in Brentwood, Tennessee
- Ascend Federal Credit Union
Business High-Yield Money Market: 3.82% APY - VirtualBank
eMoney Market Special: 3.51% APY - US Bank
Elite Money Market Account: 3.40% APY - Republic Bank & Trust Company
Commercial Money Market Max: 1.50% APY - Southeast Financial Credit Union
Money Market Accounts: 1.50% APY
Brentwood, Tennessee Rates & Resources
