MMDA Money Market Tier

Bigger is better. In this case, it really is that simple.

You're looking for a good way to grow your money. Nothing complicated, nothing risky. A Money Market might just be the answer. This federally insured account earns higher returns than traditional savings accounts, while providing you with easy access to your funds.


  • Interest Bearing
  • Tiered interest rates
  • Free Online Banking and Bill Pay
  • Free e-statements / online statements
  • Free Mobile Banking


  • $1,000 minimum deposit to open
  • No monthly fee on daily balances of $1,000 or more ($15 monthly fee if your balance falls below $1,000)
  • Deposits up to $250,000 insured by Federal Deposit Insurance Corp. (FDIC)

Service Charges:

  • $15 if daily balance falls below $1,000

Interest Tiers:  The interest rate and annual percentage yield (APY) for your account depend on the applicable rate tier. 

Tier 1:  Balances of $.01 - $50,000 earn an interest rate of .65% with an APY of .65%

Tier 2:  Balances of $50,001 - $100,000 earn an interest rate of 1.50% with an APY of 1.51%

Tier 3:  Balances of $100,001 - $250,000 earn an interest rate of 3.00% with an APY of 3.04%

Tier 4:  Balances of $250,001 - $500,000 earn an interest rate of 4.00% with an APY of 4.07%

Tier 5:  Balances of $500,001 - $1MM earn an interest rate of 4.50% with an APY of 4.59%

Tier 6:  Balances greater than $1MM earn an interest rate of 5.00% with an APY of 5.12%

The interest rate(s) and Annual Percentage Yield (APY) are accurate as of 10/01/2023.  Rates are subject to change after the account is opened.  Fees may reduce earnings.
Click here to download PDF.

Click here to download PDF.


About Us

Enhancing the customer experience.


Meet Our Wealth Management Team

The First National Bank of Middle Tennessee is a full-service financial institution with branches in Warren, Bedford, Davidson, Rutherford  and Williamson counties, as well as a mortgage office in Murfreesboro, Tenn.