Johnson City, Tennessee Savings Rates for October 2026
Brian McKay
Brian McKay
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Johnson City, Tennessee savings account rates range from 0.01% to 7.00% APY, verified by MonitorBankRates as of October 31, 2026. The best savings rates for Johnson City, Tennessee and the surrounding area include FsnbFsnb3111 Browns Mill Rd, Johnson City, TN 37604A+5.0 ★Texas Ratio: 4.08%Real return: +3.30%APY minus 3.7% CPIRate verified Oct 26, 2026 Cents-able Savings at 7.00% APY, CIT BankCIT Bank916 N State Of Franklin Rd, Johnson City, TN 37604A5.0 ★Texas Ratio: 7.72%Real return: +0.05%APY minus 3.7% CPIRate verified Oct 30, 2026 Platinum Savings at 3.75% APY, Knoxville TVA Employees Credit UnionKnoxville TVA Employees Credit Union2004 N Roan St, Johnson City, TN 37601A+5.0 ★Texas Ratio: 2.34%Real return: -0.20%APY minus 3.7% CPIRate verified Oct 30, 2026 Premium Savings Account at 3.50% APY, Appalachian Community Federal Credit UnionAppalachian Community Federal Credit Union3101 Peoples St, Johnson City, TN 37604A+5.0 ★Texas Ratio: 1.81%Real return: -0.45%APY minus 3.7% CPIRate verified Oct 29, 2026 Share Draft (Peak Checking) at 3.25% APY, and Elizabethton FSBElizabethton FSB304 Sunset Dr, Johnson City, TN 37604A+5.0 ★Texas Ratio: 0.47%Real return: -1.68%APY minus 3.7% CPIRate verified Oct 31, 2026 High Yield Savings at 2.02% APY.
Johnson City has 61 local institutions in our database, with savings rates as high as 7.00% APY from Fsnb at 3111 Browns Mill Rd, Johnson City, TN 37604. 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.
Savings rates reflect recent market quotes and representative offers available to depositors in Johnson City, Tennessee and the surrounding area. Last Updated and Verified: October 31, 2026
Compare the Best Savings Rates in Johnson City, Tennessee & Surrounding Communities
Minimum Balance to Open Account: $5.00; Minimum balance to earn Interest and obtain APY: $0.01
Balance: $5,000 and over
- Oct 14, 20263.75%▲ from 0.25%
- Sep 24, 20260.25%first recorded
Balance: $250,000.00 and over; Dividend Compound: Monthly; Premium rate; Minimum opening deposit of $25,000.00 in new money
Qualifications Required; Balance: $10,000+ average daily balance; Rate and APY based on qualifying criteria; if qualifications are not met each dividend period, the Premier Checking dividend rate applies
Balance: $5.00 - $500.00; Premium rate on balances up to $500.00; Dividend Compound: Quarterly; Tiered-rate account for minors under 18 with parent or legal guardian on the account
Balance: $100,000.00 - $249,999.99; Dividend Compound: Monthly; Minimum opening deposit of $25,000.00 in new money
Balance: $200,000 and above
Balance: $25,000.00 - $99,999.99; Dividend Compound: Monthly; Minimum opening deposit of $25,000.00 in new money
Balance: $200,000 or greater
Balance: $100,000 - 199,999
Balance: $50,000 - 99,999
Balance: $100,000 - $199,999.99
Balance: under $25,000; with monthly deposit of $100 or more
Balance: $1,001 and above; As of 6/30/2026; Share and Club Dividends
Balance: $1,001 and above
Dividend Compound: Quarterly; No minimum balance. Allows withdrawals. Fees may reduce earnings.
Balance: $25,000 - 49,999
Balance: $10,000 - 24,999
Balance: $10,000 - $99,999.99
Balance: $100,000.01 and over
Balance: $250 - $1,000; As of 6/30/2026; Share and Club Dividends
Balance: $250 - $1,000
Dividend Compound: Monthly; Must be age 18 or older to apply
Balance: $0 - 9,999
Balance: Balances $50,000.00 or more; This is a tiered rate Account; Minimum balance to earn Interest and obtain APY: $25
Balance: $50,000.01 to $100,000.00
Balance: Balances $5,000.00 to $49,999.99; This is a tiered rate Account; Minimum balance to earn Interest and obtain APY: $25
Balance: $5 and over; Other Share Rates; $5.00 minimum to open or obtain dividend
Balance: under $25,000
Balance: $50,000.00 and Up; Type Code: 01; Compounded: Quarterly
Dividends Compounded and Credited: Quarterly
Balance: Balances less than $5,000.00; This is a tiered rate Account; Minimum balance to earn Interest and obtain APY: $25
Balance: $25,000.00-$49,999.00; Type Code: 01; Compounded: Quarterly
Balance: $25,000.01+; $20.00 minimum to open, first order of checks free and free checks for any member 50 years and older
Balance: $250 daily balance avoids $5 quarterly service charge; Interest compounded daily and posted quarterly; APY effective 9/28/26, variable and subject to change; Quarterly service charge refunded when linked to Essential Checking or Advantage Checking
Balance: All Balances; Average Daily Balance Range: All Balances
Balance: under $25,000
Balance: under $5,000
Balance: up to $250,000
Balance: $50,000.00 and over; Minimum balance of $100 required to earn dividends
Balance: $7,500.01 to $50,000.00
Dividends Credited: Quarterly
Balance: $25,000.00 - $49,999.99; Minimum balance of $100 required to earn dividends
Balance: $10,000.00-$24,999.00; Type Code: 01; Compounded: Quarterly
Balance: $5 and over; Other Share Rates; $5.00 minimum to open or obtain dividend
Dividends Compounded and Credited: Quarterly
Balance: $50,000 - $99,999
Balance: $10,000+
Balance: $15,000.00 - $24,999.99; Minimum balance of $100 required to earn dividends
Type Code: 75; Compounded: Monthly
Dividends Credited: Quarterly
Dividends Compounded and Credited: Quarterly
Dividends Compounded and Credited: Quarterly
Balance: $500.01+; Non-premium rate; Dividend Compound: Quarterly; Tiered-rate account for minors under 18 with parent or legal guardian on the account
Balance: $0 - $24,999
Balance: $0 - $9,999.99
Balance: $0+; Minimum to Earn Interest $0+
Balance: $0-$4,999.99; Monthly Maintenance Fee $5
APY accurate as of 10/26/2026 and may change at any time; Maximum account balance is $250,000; Variable-rate account
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
Earn up to 3.50% APY when you are an account owner of a Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card and have a Combined Qualifying Balance (CQB) of at least $25,000; APYs may vary by location; Monthly maintenance fee $5, waivable
Qualifications Required: Monthly direct deposit/ACH credit OR minimum of ten (10) debit card transactions during the monthly statement cycle; TriStar personal checking account required; Requires TriStar personal checking account; 3.50% APY on balances up to and including $50,000; 3.50% to 0.50% APY on balances over $50,000 depending on balance; 0.25% APY on all balances if qualifications are not met; qualifications: monthly direct deposit or minimum of ten debit card transactions per statement cycle; $100 minimum deposit to open
- Oct 21, 20263.50%▲ from 0.25%
- Sep 14, 20260.25%first recorded
Balance: over $100,000
Balance: over $100,000
Balance: $0.00 - $249,999.99; Electronic statements; No monthly fee; Unlimited withdrawals
Power Duo promo: earn 3.40% APY when combined with a qualifying FirstBank CD
Balance: $5,000 - $100,000
Balance: $5,000 - $100,000
California counties only; Balance: $25,000 or more; Rate is variable; requires deposit and maintenance of $25,000 or more in new Platinum Savings within 30 days; new savings customers only
Balance: minimum daily balance of $100.00 to obtain the disclosed APY; interest compounded quarterly; APYs stated as of 06/01/2026; zero monthly service fee with e-statements
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
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.
Johnson City, TN Savings Rate Trends
Compare local Johnson City, 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.
Tennessee high-yield savings rates fell 0.119 points over the past 7 days to 2.569% APY, down from 2.688%.
Tennessee standard savings rates rose 0.006 points over the past 7 days to 0.536% APY, up from 0.530%.
Johnson City, Tennessee Savings Rate Forecast, Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current TN high-yield average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Savings 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 savings average of 2.569% 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 online savings rates tend to adjust faster than standard branch-based savings rates.
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 Johnson City, Tennessee.
Savings Account Earnings in Johnson City, Tennessee
Annual interest earnings at current TN average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (2.569% APY) | Monthly Earnings | Standard Savings (0.536% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $128.45 / year | $10.70 | $26.80 / year | $2.23 |
| $10,000 | $256.90 / year | $21.41 | $53.59 / year | $4.47 |
| $25,000 | $642.25 / year | $53.52 | $133.98 / year | $11.17 |
| $50,000 | $1,284.50 / year | $107.04 | $267.95 / year | $22.33 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: Johnson City, Tennessee savings rate averages as of October 31, 2026. | ||||
About Our Johnson City, Tennessee Savings Rate Database
MonitorBankRates found 16 institutions with branches in Johnson City (8 banks, 8 credit unions), plus 10 additional state-chartered and national online institutions available to Johnson City 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: Fsnb offers a savings account at 7.00% APY with a minimum deposit of $5. Use the rate table above to compare all current offers in Johnson City, Tennessee.
How to Find the Best Savings Rates in Johnson City, Tennessee
What to compare when shopping for a savings account in Johnson City, Tennessee
To find the best savings APYs in Johnson City, Tennessee, start with credit unions and online-only banks: Johnson City, Tennessee has 8 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. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current TN high-yield savings average is 2.569% but top local institutions are offering as high as 7.00%, so shopping around pays off.
Unlike a CD, savings account rates are variable. Your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3 to 6 months of expenses in a liquid, FDIC-insured account. Johnson City, Tennessee high-yield savings rates currently average 2.569% APY, far above a typical checking account.
- Short-term savings goals (6 to 24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account at Johnson City, Tennessee institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 26 institutions in Johnson City, Tennessee report savings 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 Johnson City, Tennessee CD rates
- You want check-writing flexibility Johnson City, Tennessee money market rates
- You need daily transaction access Johnson City, Tennessee checking rates
Tennessee Financial Snapshot
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 savings average of 2.569%, saving 10% of the local median salary ($4,241/year) would earn an additional $109 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Johnson City, Tennessee Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Johnson City, Tennessee.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current TN Avg APY | 2.569% | 0.536% | View MMA Rates | 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 | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 to $100 | $25 to $100 | $0 to $2,500 | $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 | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects Johnson City, 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.
Savings Calculators for Johnson City, Tennessee
At TN’s top rate of 7.00% from Fsnb, a $10,000 deposit earns $700 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Johnson City, Tennessee earner is roughly $10,600. At 2.569% APY, saving $880/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsTennessee’s high-yield savings average is 2.569% APY, variable and always accessible. 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 Johnson City, Tennessee earner makes $42,418/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 2.569% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 2.569% APY grows to roughly $41,520 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 Johnson City, Tennessee savings 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 Savings Rate Data: We aggregate savings account rates for Johnson City, 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 Johnson City, 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 Johnson City, Tennessee
What are savings account rates in Johnson City, Tennessee today?
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Johnson City, Tennessee safe?
How often do savings rates change in Johnson City, Tennessee?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Johnson City, Tennessee?
How do I open a savings account in Johnson City, Tennessee?
Best Savings Rates in Johnson City, Tennessee
- Fsnb
Cents-able Savings: 7.00% APY - CIT Bank
Platinum Savings: 3.75% APY - Knoxville TVA Employees Credit Union
Premium Savings Account: 3.50% APY - Appalachian Community Federal Credit Union
Share Draft (Peak Checking): 3.25% APY - Elizabethton FSB
High Yield Savings: 2.02% APY
Johnson City, Tennessee Rates & Resources
