First Tennessee Bank has a savings account special with a 4.00% APY guaranteed for 6 months. An initial deposit of $10,000 and a checking account are required. An initial deposit of $5,000 will guarantee 4.00% APY for 3 months.

The Relationship First Savings Page has the details of this account. The standard rates are low. There’s a $9 monthly fee if you have less than $5,000 in combined balances. The account does have limited check writing.

It appears a branch visit is required to open new accounts. Branches are located mostly in Tennessee, but there are also branches in Georgia, Virginia, Arkansas and Mississippi.