Best Money Market Rates in Oak Ridge, Tennessee - June 2026
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Brian McKay
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Current Oak Ridge, Tennessee and the surrounding area money market deposit account rates include Y-12 Federal Credit UnionY-12 Federal Credit Union501 Lafayette Dr, Oak Ridge, TN 37830 7909A+5.0 ★Texas Ratio: 2.88% High Yield Money Market at 3.50% APY, TruistTruist1188 Oak Ridge Tpke, Oak Ridge, TN 37830A+5.0 ★Texas Ratio: 3.63% Small Business Money Market Account at 3.40% APY, Tennessee Members 1st Federal Credit UnionTennessee Members 1st Federal Credit Union112 Administration Rd, Oak Ridge, TN 37830A5.0 ★Texas Ratio: 6.52% Money Market at 1.75% APY, ORNLORNL1 Bethel Valley Rd, Oak Ridge, TN 37830A+5.0 ★Texas Ratio: 3.85% Money Market at 1.75% APY, and Enrichment Federal Credit UnionEnrichment Federal Credit Union201 S ILLINOIS AVE, OAK RIDGE, TN 37830A+5.0 ★Texas Ratio: 4.64% Money Market at 1.50% APY. Money market rates as of June 9, 2026 according to verified data from MonitorBankRates.
Oak Ridge has 5 local institutions in our database, with money market rates as high as 3.50% APY from Y-12 Federal Credit Union at 501 Lafayette Dr, Oak Ridge, TN 37830 7909. Use the table below to compare all available offers, including options from institutions serving the broader Tennessee area. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Oak Ridge, Tennessee and surrounding area. Last Updated and Verified: June 9, 2026
Compare the Best Money Market Rates Today in Oak Ridge, Tennessee & the Surrounding Area
Qualifications Required: 15 debit and/or credit card monthly combined transactions; minimum $2,000 average daily balance or cumulative $1,000 monthly direct deposit; High Yield Checking account required. Must maintain a minimum average daily balance of $25,000 and meet High Yield Checking account qualifiers to earn dividends for High Yield Money Market. 1.00% APY for average daily balances $25,000 and over if requirements are not met for High Yield Checking. No dividends are paid for the dividend period if minimum average daily balance qualifier is not met.
Eligible clients can earn a 3.40% annual percentage yield (APY) with a new Truist Business Money Market account. Promotional Interest Rate is 3.34% and the Annual Percentage Yield (APY) is 3.40% for balances $0.01 and greater. Your new Money Market Account could initially earn a rate lower than 3.40% APY. However, within 10 calendar days of account opening, your eligible account will automatically upgrade to the 3.40% APY rate. The standard interest rate and APY are 0.01%. Fees may reduce earnings.
Balances of $250,000 or more
Balance Required to Earn Dividends: $250,000.00 or greater
Balances of $100,000 - $249,999
Balance Required to Earn Dividends: $100,000.00 to $249,999.99
$250,000; Qualifications to earn Business High Yield Money Market relationship rate: maintain a balance of $50,000 in a business checking account or a business loan(s) minimum balance of $250,000. Business credit cards do not qualify toward the business loan balance. Relationship rates are: 1.00% APY for balances of $0 to $49,999.99; 2.00% APY for balances of $50,000 to $99,999.99; 2.75% APY for balances of $100,000 to $249,999.99; 3.50% APY for $250,000 and over.
Subject to Change Daily. Qualifications to earn Business High Yield Money Market relationship rate: maintain a balance of $50,000 in a business checking account or a business loan(s) minimum balance of $250,000. Business credit cards do not qualify toward the business loan balance. Relationship rates are: 1.00% APY for balances of $0 to $49,999.99; 2.00% APY for balances of $50,000 to $99,999.99; 2.75% APY for balances of $100,000 to $249,999.99; 3.50% APY for $250,000 and over.
Balance Required to Earn Dividends: $50,000.00 to $99,999.99
$50,000
Subject to Change Daily. Qualifications to earn Business High Yield Money Market relationship rate: maintain a balance of $50,000 in a business checking account or a business loan(s) minimum balance of $250,000. Business credit cards do not qualify toward the business loan balance.
Balance Required to Earn Dividends: $25,000.00 - $49,999.99
Subject to Change Daily. Qualifications to earn Business High Yield Money Market relationship rate: maintain a balance of $50,000 in a business checking account or a business loan(s) minimum balance of $250,000. Business credit cards do not qualify toward the business loan balance.
Balances of $50,000 to $99,999
Balance Required to Earn Dividends: $2,500.00 - $24,999.99
Balances of $25,000 to $49,999
$75,000
Subject to Change Daily. Qualifications to earn Business High Yield Money Market relationship rate: maintain a balance of $50,000 in a business checking account or a business loan(s) minimum balance of $250,000. Business credit cards do not qualify toward the business loan balance.
$25,000
$2,500
Balance Required to Earn Dividends: $0.00 - $2,499.99
Balances of $2,500 to $24,999
Balances Less than $2,500
with recurring monthly $500 Direct Deposit
$250,000
as high as
Interest earned on the entire daily balance. Fees could reduce earnings on account.
$100,000-$249,999
Interest earned on the entire daily balance. Fees could reduce earnings on account.
with recurring monthly $500 Direct Deposit
($10,000 and over)
with recurring monthly $500 Direct Deposit
($2,500 and over)
$25,000-$99,999
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 Money Market Rate Trends
Compare local Oak Ridge, 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 0.160 points over the past 7 days to 3.083% APY.
Tennessee standard MMA rates fell 0.004 points over the past 7 days to 0.481% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Oak Ridge, 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 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 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 Oak Ridge, 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 Oak Ridge, Tennessee
What is a Money Market Account (MMA)?
Are Money Market accounts in Oak Ridge, Tennessee safe?
How often do MMA rates change in Oak Ridge, Tennessee?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Oak Ridge, Tennessee?
Best Money Market Rates in Oak Ridge, Tennessee
- Y-12 Federal Credit Union
High Yield Money Market — 3.50% APY - Truist
Small Business Money Market Account — 3.40% APY - Tennessee Members 1st Federal Credit Union
Money Market — 1.75% APY - ORNL
Money Market — 1.75% APY - Enrichment Federal Credit Union
Money Market — 1.50% APY
