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Tennessee Savings Rate Trends

Hartford, Tennessee (TN) Savings Rates - April 2026

The best savings rates for Hartford, Tennessee and the surrounding area include FsnbFsnbA5.0 ★Texas Ratio: 12.00% Cents-able Savings at 7.00% APY, First US Bank (AL)First US Bank (AL)A+5.0 ★Texas Ratio: 3.21% NextGEN Savings at 5.12% APY, Leaders Credit UnionLeaders Credit UnionA+5.0 ★Texas Ratio: 4.94% Share Savings at 5.00% APY, Morgantown B&TMorgantown B&TA+5.0 ★Texas Ratio: 1.40% Kasasa Cash* Health Savings Account (HSA) at 4.25% APY, and Redstone Federal Credit UnionRedstone Federal Credit UnionA+5.0 ★Texas Ratio: 3.00% Brighter Day Savings Account at 4.06% APY.

Hartford is a smaller community with no bank or credit union branches currently in our database. 46 institutions serving the Tennessee area are available to Hartford residents, with savings rates as high as 7.00% APY from Fsnb. Rates are continually updated — we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Hartford, Tennessee and the surrounding area. Last Updated and Verified: April 4, 2026

Compare the Best Savings Rates in Hartford, Tennessee & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
Cents-able Savings
7.00%
$5
Rate7.00%
Min Deposit$5
Min Balance
UpdatedApr 3, 2026
Details

First US Bank (AL)
Institution Rating:
A+5.0 ★Texas Ratio: 3.21%
NextGEN Savings
5.12%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedApr 2, 2026
Details

Qualifying balance up to $500.00

Leaders Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.94%
Share Savings
5.00%
$10
Rate4.89%
Min Deposit$10
Min Balance
UpdatedMar 27, 2026
Details

Qualifying balance up to $500.00

Morgantown B&T
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
Kasasa Cash* Health Savings Account (HSA)
4.25%
$50
Rate4.17%
Min Deposit$50
Min Balance
UpdatedApr 3, 2026
Details

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
Brighter Day Savings Account
4.06%
$0
Rate4.00%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Qualifying balance up to $2,500.00

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Kickstart Kids Savings Acct1
4.06%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

FirstBank (TN)
Institution Rating:
A5.0 ★Texas Ratio: 6.39%
FirstUp Savings
3.82%
$50
Rate3.75%
Min Deposit$50
Min Balance
UpdatedMar 26, 2026
Details

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

Community Bank Lexington, TN
Institution Rating:
A+5.0 ★Texas Ratio: 0.19%
Community Reserve High Yield Savings
3.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 3, 2026
Details

U T
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
U Earn Savings
3.70%
$0
Rate3.64%
Min Deposit$0
Min Balance
UpdatedMar 29, 2026
Details

Higher dividends are earned when you maintain a UTFCU consumer checking account and receive at least $500 in total direct deposits per month.

U T
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
U Rewards Share Draft
3.50%
$0
Rate3.45%
Min Deposit$0
Min Balance
UpdatedMar 29, 2026
Details

Qualifications Required; Qualifying balance up to $25,000

Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
High Yield Savings
3.50%
$0
Rate3.45%
Min Deposit$0
Min Balance
UpdatedApr 2, 2026
Details

Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
High Yield Savings
3.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
PREMIUM SAVINGS ACCOUNT
3.50%
$0
Rate3.45%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

U T
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
U Earn Savings
3.30%
$0
Rate3.25%
Min Deposit$0
Min Balance
UpdatedMar 29, 2026
Details

Higher dividends are earned when you maintain a UTFCU consumer checking account and receive at least $500 in total direct deposits per month.

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
PNC High Yield Savings®
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.21%
Share Draft (Peak Checking)
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

based on qualifying criteria**

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
IRA Shares
3.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Up To

US Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.37%
Emergency Fund Savings
3.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
High Yield Savings
3.00%
$0
Rate2.97%
Min Deposit$0
Min Balance
UpdatedApr 2, 2026
Details

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Jump Start Savings
3.00%
$5
Rate2.96%
Min Deposit$5
Min Balance
UpdatedMar 24, 2026
Details

Qualifying balance up to $500.00

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
Jump Start Savings Account
3.00%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 24, 2026
Details

Earn 3.00% APY on the first $500.00

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
PREMIUM SAVINGS ACCOUNT
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

U T
Institution Rating:
A+5.0 ★Texas Ratio: 4.31%
U Earn Savings
2.80%
$0
Rate2.77%
Min Deposit$0
Min Balance
UpdatedMar 29, 2026
Details

Higher dividends are earned when you maintain a UTFCU consumer checking account and receive at least $500 in total direct deposits per month.

Gateway First Bank
Institution Rating:
F1.8 ★Texas Ratio: 53.47%
Gateway High Yield Savings
2.75%
$0
Rate2.72%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Minimum Balance 4,5,6,9,10

Outreach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.13%
Share Savings Account
2.53%
$0
Rate2.50%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
High Yield Savings
2.50%
$0
Rate2.48%
Min Deposit$0
Min Balance
UpdatedApr 2, 2026
Details

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
Share Savings
2.50%
$0
Rate2.47%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.28%
Premium Savings
2.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
High Yield Savings
2.25%
$0
Rate2.23%
Min Deposit$0
Min Balance
UpdatedApr 2, 2026
Details

TRUST Federal Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 18.28%
Premium Savings
2.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Cornerstone Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.66%
Wealth Builder MMA
2.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

$250,000 or more

Morgantown B&T
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
Club Savings
2.02%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 3, 2026
Details

Morgantown B&T
Institution Rating:
A+5.0 ★Texas Ratio: 1.40%
Health Savings Account
2.02%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 3, 2026
Details

Elizabethton FSB
Institution Rating:
A+5.0 ★Texas Ratio: 0.47%
High Yield Savings
2.02%
$0
Rate2.00%
Min Deposit$0
Min Balance
UpdatedApr 3, 2026
Details

Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
Special Savings
2.02%
$0
Rate2.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

SouthEast Bank
Institution Rating:
C-3.6 ★Texas Ratio: 31.66%
Bonus Rate Savings
2.01%
$50
Rate0.00%
Min Deposit$50
Min Balance
UpdatedApr 3, 2026
Details

Qualifications Required; Qualifying balance up to $10,000

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
PREMIUM SAVINGS ACCOUNT
2.00%
$0
Rate1.98%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Share Savings Account
2.00%
$0
Rate1.98%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

EPB Employees Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.81%
IRA Savings
2.00%
$0
Rate2.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Kemba Delta Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.54%
Share Savings Account
2.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Fortera Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.06%
High Yield Savings
2.00%
$0
Rate1.99%
Min Deposit$0
Min Balance
UpdatedApr 2, 2026
Details

Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.31%
Share Savings Account
1.80%
$0
Rate1.79%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Chattanooga Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.71%
Special Savings
1.51%
$0
Rate1.50%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

First Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.10%
Community Savings
1.51%
$0
Rate1.50%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Scenic Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.14%
Member SelectTM Share Draft
1.50%
$0
Rate1.50%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

MPD Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.68%
Money Market Savings
1.40%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 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.

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.

Hartford, TN Savings Rate Trends

Compare local Hartford, TN savings rate quotes against the statewide average

Daily savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Tennessee Savings Trends →
High-Yield Savings — TN Avg
1.999%
▲ 0.320 vs 7 days ago

Tennessee high-yield savings rates rose 0.320 points over the past 7 days to 1.999% APY, up from 1.678%.

Standard Savings — TN Avg
1.099%
▲ 0.510 vs 7 days ago

Tennessee standard savings rates rose 0.510 points over the past 7 days to 1.099% APY, up from 0.589%.

As of Apr 5, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Hartford, 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 Hartford, 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 Hartford, Tennessee

What is a High-Yield Savings Account (HYSA)?

A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Tennessee, help your money grow faster through a higher APY.

Are savings accounts in Hartford, 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 savings rates change in Hartford, Tennessee?

Savings 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.

Do I need a minimum deposit to open a savings account?

It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Hartford, Tennessee may require $25–$100 to open an account.

What is the difference between a Savings Account and a Money Market Account?

Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.

Are online banks better than local banks in Hartford, Tennessee?

Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Hartford, Tennessee offer in-person customer service, which some customers prefer.

How do I open a savings account in Hartford, Tennessee?

You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.

Best Savings Rates in Hartford, Tennessee

Here are recent savings rates observed in Hartford, Tennessee and the surrounding area:
  • Fsnb
    Cents-able Savings — 7.00% APY
  • First US Bank (AL)
    NextGEN Savings — 5.12% APY
  • Leaders Credit Union
    Share Savings — 5.00% APY
  • Morgantown B&T
    Kasasa Cash* Health Savings Account (HSA) — 4.25% APY
  • Redstone Federal Credit Union
    Brighter Day Savings Account — 4.06% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Hartford, Tennessee. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 4, 2026