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Best Money Market Rates in Waynesboro, Tennessee (TN) - April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Last Updated: April 19, 2026

Current Waynesboro, Tennessee and the surrounding area money market rates include Beacon Financial Credit UnionBeacon Financial Credit UnionA+5.0 ★Texas Ratio: 3.50% DO MORE Money Market Account Share Accounts at 4.00% APY, U TU TA+5.0 ★Texas Ratio: 4.31% Business Money Market at 3.85% APY, Ascend Federal Credit UnionAscend Federal Credit UnionA+5.0 ★Texas Ratio: 2.48% Business Money Market at 3.56% APY, Your Best Credit UnionYour Best Credit UnionA+5.0 ★Texas Ratio: 0.14% Money Market at 3.56% APY, and Nashville Firemens Credit UnionNashville Firemens Credit UnionA+5.0 ★Texas Ratio: 5.11% Money Market at 3.33% APY. Money market rates as of April 19, 2026 according to verified data from MonitorBankRates.

Waynesboro has 1 local institution in our database, with money market rates as high as 3.25% APY from CapStar Bank at 201 S Main St, Waynesboro, TN 38485. 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 Waynesboro, Tennessee and surrounding area. Last Updated and Verified: April 19, 2026

Compare the Best Money Market Rates Today in Waynesboro, Tennessee & the Surrounding Area

Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
CapStar Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
201 S Main St, Waynesboro, TN 38485
Money Market
3.25%
$20,000
View
▼
Rate—
Min Deposit$20,000
Min Balance—
UpdatedApr 16, 2026
Details

Qualifying balance up to $20,000.00

Beacon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
DO MORE Money Market Account Share Accounts
4.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

recurring monthly $500 Direct Deposit

U T
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
Business Money Market
3.85%
$0
View
▼
Rate3.78%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

$250,000 and over

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Traditional Money Market
3.56%
$0
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
Business Money Market
3.56%
$0
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Your Best Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.14%
Money Market
3.56%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

as high as

Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
Money Market
3.33%
$0
View
▼
Rate3.33%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

U T
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
Business Money Market
3.30%
$0
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

$100,000-$249,999

Financial Federal Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
Money Market
3.30%
$5,000
View
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 16, 2026
Details

Qualifying balance up to $100,000.00

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Money Market Plus Account
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Money Market Plus
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Financial Federal Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.01%
Money Market
3.20%
$5,000
View
▼
Rate—
Min Deposit$5,000
Min Balance—
UpdatedApr 16, 2026
Details

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
High-Yield Money Market
3.14%
$0
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Money Market Accounts
3.10%
$0
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Business Money Market Accounts
3.10%
$0
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Money Market Accounts
3.05%
$0
View
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Business Money Market Accounts
3.05%
$0
View
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Money Market Accounts
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Business Money Market Accounts
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Business Money Market Accounts
2.95%
$0
View
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Money Market Accounts
2.95%
$0
View
▼
Rate2.91%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Planters Bank & Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
High Yield Money Market
2.95%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
Money Market
2.83%
$0
View
▼
Rate2.83%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Heritage South Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
Gold Share Money Market Account
2.78%
$0
View
▼
Rate2.75%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Business Money Market Accounts
2.70%
$0
View
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Money Market Accounts
2.70%
$0
View
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Money Market Accounts
2.55%
$0
View
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Business Money Market Accounts
2.55%
$0
View
▼
Rate2.52%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Beacon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
DO MORE Money Market Account Share Accounts
2.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

recurring monthly $500 Direct Deposit

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Money Market Accounts
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Business Money Market Accounts
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
Money Market
2.33%
$0
View
▼
Rate2.33%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
Premium Money Market Account
2.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Hope Federal Credit Union Jackson, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Money Market Account
2.12%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Over $100,000; Money Market Account3 ($1,000 Minimum)

Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
Money Market
2.05%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.66%
Wealth Builder MMA
2.05%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Money Market Share Account
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Staley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
Preferred Money Market Accounts
2.02%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

EPB Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.81%
Money Markets
2.00%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

EPB Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.81%
Money Market Account
2.00%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Beacon Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.50%
DO MORE Money Market Account Share Accounts
2.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

recurring monthly $500 Direct Deposit

TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
Money Market Account
2.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Individual Money Market Account
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Nashville Firemens Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.11%
Money Market
1.83%
$0
View
▼
Rate1.83%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Money Market Share Account
1.81%
$0
View
▼
Rate1.80%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

US Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
Money Market Balance
1.81%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

$100,000.00 and Over

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Individual Money Market Account
1.80%
$0
View
▼
Rate1.79%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Staley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
Preferred Money Market Accounts
1.76%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Tennessee Members 1st Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.71%
Money Market
1.75%
$0
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Nashville Post Office Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
and up Money Market
1.75%
$100,000
View
▼
Rate1.75%
Min Deposit$100,000
Min Balance—
UpdatedApr 19, 2026
Details

$100,000

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Traditional/Roth IRA Money Market
1.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Money Market
1.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Business Money Market
1.75%
$0
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
Money Market
1.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

ORNL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Money Market
1.75%
$0
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Business Money Market
1.70%
$0
View
▼
Rate1.69%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Traditional/Roth IRA Money Market
1.70%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Tennessee State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
Money Market
1.50%
$2,500
View
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 16, 2026
Details

Tennessee State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
Commercial Money Market
1.50%
$2,500
View
▼
Rate1.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 16, 2026
Details

ORNL
Institution Rating:
A+5.0 ★ Texas Ratio: 1.71%
Money Market
1.25%
$0
View
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

U T
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
Business Money Market
1.25%
$0
View
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

$25,000-$99,999

Tennessee State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
Commercial Money Market
1.20%
$2,500
View
▼
Rate1.20%
Min Deposit$2,500
Min Balance—
UpdatedApr 16, 2026
Details

Tennessee State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
Money Market
1.20%
$2,500
View
▼
Rate1.20%
Min Deposit$2,500
Min Balance—
UpdatedApr 16, 2026
Details

Tennessee State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
Commercial Money Market
1.00%
$2,500
View
▼
Rate1.00%
Min Deposit$2,500
Min Balance—
UpdatedApr 16, 2026
Details

Tennessee State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
Money Market
1.00%
$2,500
View
▼
Rate1.00%
Min Deposit$2,500
Min Balance—
UpdatedApr 16, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★ Texas Ratio: 5.08%
TotalView Money Market Savings
0.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 16, 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. Rates reflect recent market quotes and representative offers available to depositors in Waynesboro, Tennessee and the surrounding area.

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.

Waynesboro, TN Money Market Rate Trends

Compare local Waynesboro, 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.

View Full Tennessee MMA Trends →
High-Yield MMA — TN Avg
3.134%
Unchanged vs 7 days ago

Tennessee high-yield MMA rates currently average 3.134% APY.

Standard MMA — TN Avg
0.561%
Unchanged vs 7 days ago

Tennessee standard MMA rates currently average 0.561% APY.

As of Apr 21, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Money Market Rate Data: We aggregate money market account rates for Waynesboro, 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 Waynesboro, 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 Waynesboro, Tennessee

What is a Money Market Account (MMA)?

A Money Market Account (MMA) is a type of savings account that often pays higher interest rates than standard savings accounts. They usually come with check-writing privileges and debit card access, offering a balance of growth and liquidity for savers in Tennessee.

Are Money Market accounts in Waynesboro, 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 MMA rates change in Waynesboro, Tennessee?

Money market 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.

Can I write checks from a Money Market Account?

Yes, most Money Market Accounts allow you to write a limited number of checks or make debit card transactions each month (typically up to 6), making them more flexible than a standard savings account.

Best Money Market Rates in Waynesboro, Tennessee

Here are some of the highest money market account APYs currently available in Waynesboro, Tennessee and the surrounding area:
  • Beacon Financial Credit Union
    DO MORE Money Market Account Share Accounts — 4.00% APY
  • U T
    Business Money Market — 3.85% APY
  • Ascend Federal Credit Union
    Business Money Market — 3.56% APY
  • Your Best Credit Union
    Money Market — 3.56% APY
  • Nashville Firemens Credit Union
    Money Market — 3.33% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Waynesboro, Tennessee. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 19, 2026

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