Brian McKay
Current Shady Valley, Tennessee and the surrounding area money market deposit account rates include Beacon Financial Credit UnionBeacon Financial Credit UnionA5.0 ★Texas Ratio: 7.49%Real return: +1.20%APY minus 2.8% CPI (February 2026) DO MORE Money Market Account at 4.00% APY, U TU TA+5.0 ★Texas Ratio: 1.19%Real return: +1.05%APY minus 2.8% CPI (February 2026) Business Money Market - $250,000 at 3.85% APY, Centennial Bank TNCentennial Bank TNA5.0 ★Texas Ratio: 9.59%Real return: +0.95%APY minus 2.8% CPI (February 2026) Money Market Account at 3.75% APY, Morgantown B&TMorgantown B&TA+5.0 ★Texas Ratio: 2.96%Real return: +0.90%APY minus 2.8% CPI (February 2026) Performance Money Market at 3.70% APY, and Bank of FrankewingBank of FrankewingF2.7 ★Texas Ratio: 42.60%Real return: +0.76%APY minus 2.8% CPI (February 2026) Money Market at 3.56% APY. Money market rates as of September 15, 2026 according to verified data from MonitorBankRates.
Shady Valley is a smaller community with no bank or credit union branches currently in our database. 150 institutions serving the Tennessee area are available to Shady Valley residents, with money market rates as high as 4.00% APY from Beacon Financial Credit Union. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Shady Valley, Tennessee and surrounding area. Last Updated and Verified: September 15, 2026
with recurring monthly $500 Direct Deposit
Account only available to Sole Proprietor/DBAs, Partnerships, Limited Liability Companies (LLC), Corporations, and Organizations (Associations/Clubs/Nonprofits). Fees may reduce earnings on this account. Federally insured by NCUA.
Interest rates and APYs are accurate as of 09/23/2025 and are subject to change without notice at any time, including after the account is opened.; Fees may reduce earnings.; Minimum Daily Balance: $2,500.00
Qualifications Required: maintain a balance of $50,000 in a business checking account or a business loan(s) minimum balance of $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. Rates subject to change without notice after account opening.
Qualifications Required: 15 debit and/or credit card monthly combined transactions; minimum $2,000 average daily balance or cumulative $1,000 monthly direct deposit. Direct deposit consists of an electronic deposit of wages, pension and/or social security benefits. Transfers of funds, mobile deposits, and deposits from payment vendors (PayPal, Venmo) do not qualify.; Subject to Change Daily
FOR BALANCES OVER $100,000 Whether you are saving for a specific financial goal, or looking for flexible options to make your money go further, the Premium Money Market account is a great alternative to a CD and earns high dividends for individuals and businesses. Earn dividends on balances over $100,000 No monthly service fee
Rates are subject to change after the account is opened. Fees may reduce earnings.
Account only available to Sole Proprietor/DBAs, Partnerships, Limited Liability Companies (LLC), Corporations, and Organizations (Associations/Clubs/Nonprofits). Fees may reduce earnings on this account. Federally insured by NCUA.
Rates are subject to change after the account is opened. Fees may reduce earnings.
Qualifications Required: maintain a balance of $50,000 in a business checking account or a business loan(s) minimum balance of $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. Rates subject to change without notice after account opening.
On balances $150,001+
with recurring monthly $500 Direct Deposit
Interest rates and APYs are accurate as of 09/23/2025 and are subject to change without notice at any time, including after the account is opened.; Fees may reduce earnings.; Minimum Daily Balance: $2,500.00
($10,000 and over)
Rates are subject to change after the account is opened. Fees may reduce earnings.
Over $100,000
Over $500,000
This is a variable rate account. The dividend rate and APY may change after the account is opened. The minimum balance required to earn the stated APY is shown for each tier. Money Market Account balances below $2,500 are subject to a low-balance fee. Fees could reduce earnings on the account. See account disclosures for complete terms and fee information. There is no limit on in-branch withdrawals or ATM withdrawals. APY = Annual Percentage Yield.
As high as
Qualifications Required: maintain a balance of $50,000 in a business checking account or a business loan(s) minimum balance of $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. Rates subject to change without notice after account opening.
($2,500 and over)
with recurring monthly $500 Direct Deposit
This is a variable rate account. The dividend rate and APY may change after the account is opened. The minimum balance required to earn the stated APY is shown for each tier. Money Market Account balances below $2,500 are subject to a low-balance fee. Fees could reduce earnings on the account. See account disclosures for complete terms and fee information. There is no limit on in-branch withdrawals or ATM withdrawals. APY = Annual Percentage Yield.
Interest rates and APYs are accurate as of 09/23/2025 and are subject to change without notice at any time, including after the account is opened.; Fees may reduce earnings.; Minimum Daily Balance: $2,500.00
Balance: $ 75,000.00 - 99,999.99
Balance: $75,000.00 - $99,999.99
Balance: $25,000.00 - $99,999.99
Balance: Balance $100,000 or more
Balance: Balance $100,000 or more
A tiered rate account with unlimited deposits and limited withdrawals.
Account only available to Sole Proprietor/DBAs, Partnerships, Limited Liability Companies (LLC), Corporations, and Organizations (Associations/Clubs/Nonprofits). Fees may reduce earnings on this account. Federally insured by NCUA.
Rates are subject to change after the account is opened. Fees may reduce earnings.
Balance: Balance $50,000 - $99,999.99
Balance: Balance $50,000 - $99,999.99
Balance: Balance $25,000-$49,999.99
Balance: Balance $25,000-$49,999.99
Compare local Shady Valley, 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 currently average 3.037% APY.
Tennessee standard MMA rates rose 0.003 points over the past 7 days to 0.753% APY.
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 2026–2027.
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 3.037% 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 60–90 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 Shady Valley, 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 (3.037% APY) | Monthly Earnings | Standard MMA (0.753% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $303.65 / year | $25.30 | $75.27 / year | $6.27 |
| $25,000 | $759.13 / year | $63.26 | $188.18 / year | $15.68 |
| $50,000 | $1,518.25 / year | $126.52 | $376.35 / year | $31.36 |
| $100,000 | $3,036.50 / year | $253.04 | $752.70 / year | $62.73 |
| 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: Shady Valley, Tennessee money market rate averages as of September 16, 2026. | ||||
MonitorBankRates tracks money market rate offers from 43 banks and credit unions available to Shady Valley, Tennessee residents via statewide and national offers. No branch locations physically in Shady Valley are currently in our database, but all listed offers are open to Shady Valley depositors. 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 (1–5), 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: Beacon Financial Credit Union offers a money market account at 4.00% APY. Use the rate table above to compare all current offers in Shady Valley, Tennessee.
What to compare when shopping for a money market account in Shady Valley, Tennessee
To find the best money market APYs in Shady Valley, Tennessee, start with credit unions and online-only banks: Shady Valley, Tennessee has 29 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–$25,000, with lower rates (or monthly fees) below that threshold. The current TN high-yield money market average is 3.037% but top local institutions are offering as high as 4.00%, 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.
Local demographics and economic context for savers . Source: U.S. Census Bureau (state-level data shown; city data not available)
17.1% of residents are 65 or older, in line with the national average of 17.3%. At today’s TN high-yield money market average of 3.037%, saving 10% of the local median salary ($4,241/year) would earn an additional $129 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
How money market deposit accounts compare to other deposit products available at banks and credit unions in Shady Valley, Tennessee.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current TN Avg APY | 3.037% | View Savings Rates | 0.753%(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 – $2,500 | $0 – $100 | $25 – $100 | $500 – $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 Shady Valley, Tennessee averages tracked in our database as of September 16, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
See how much a money market account can earn you. Enter your deposit, monthly contribution, and time frame, or click any current Shady Valley, 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.
At TN’s top money market rate of 4.00% from Beacon Financial Credit Union, a $10,000 deposit earns $400 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Shady Valley, Tennessee earner is roughly $10,600. At 3.037% APY in a money market account, saving $880/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 3.037% 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 Shady Valley, Tennessee earner makes $42,418/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.037% APY.
Retirement PlannerA $25,000 money market balance earning 3.037% APY grows to roughly $45,474 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Shady Valley, 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 Shady Valley, 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 Shady Valley, 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.