A Perfect way to Save


Whether you’re saving for college expenses, retirement or next year’s vacation, we’re here to help you reach your savings goals.

Relax While You Save

Carefree Savings

Let us help you with your short term savings goals. Carefree Savings lets you automatically transfer money to the account throughout the year. In October, you receive the funds to use however you wish. Open with as little as $5.

The Perfect Way To Save

Perfect Savings

With a Perfect Savings account, you can earn interest on balances of $100 or more including tiered interest rates on higher balances. You can easily transfer money with free automatic transfers from checking. We’ve made it easy to get started. You can open an account today with as little as $100.*

*$2 quarterly fee if minimum daily balance of $100 is not maintained. Interest will be credited to the account quarterly.

Save Every Time You Spend


ChangeUp is a service provided to customers who have a checking and savings account. ChangeUp helps you save every time you spend simply by using your debit card.

What You Need

  • Checking Account
  • Savings Account
  • Debit Card

Money Market

Earn interest on balances of $2,500 or more

Tiered interest rates on higher balances

Interest credited to your account monthly

Unlimited Bank of Tennessee ATM and over the counter debits

$10.00 monthly fee if minimum daily balance of $2,500 is not maintained. $2,500 opening deposit. 

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Certificates of Deposit

Automatic renewal option

Fixed interest rate until maturity, up to 5 years

Choice of interest payment options

Open with as little as $500

Choose the term that suits your savings needs

Penalty may be imposed for early withdrawal.

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Start your retirement account with as little as $100

Flexible investment terms

Variable and Fixed rate options

IRAs offer the security of FDIC insurance

Learn about our TraditionalEducation, and Roth IRAs

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Minor Savings

Bank of Tennessee knows the importance of steering your children’s financial future in the right direction. The first step in showing your children the importance of saving, adding small amounts regularly can add up to make a big difference!

We’re Here To Help

Have Questions?

Stop in your nearest branch for more information, call us at 866.378.9500 or click below to email us.