Bank · FDIC insured
Central Bank Savings Rates
Central Bank’s best savings rate is 0.25% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Central Bank’s savings rates compare
Compared with banks and credit unions near Houston, TX, where Central Bank has the most branches. $10,000, best rate first.
This bank’s best
Central Bank
0.25%APY
- Earns on $10,000 a year
- $25
Money Market
Top rate
Heritage Hub Federal Credit Union
5.13%APY
- Earns on $10,000 a year
- $513
2nd-highest rate
Nizari Credit Union
4.00%APY
- Earns on $10,000 a year
- $400
Central Bank savings score
70
Savings score
Higher than 27% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.25%
- $100,000 balance$100,0000.75%
- QualifiedQualified0.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Central Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Money Market
0.25%APY
| Balance | APY | Minimum | Earns on $10,000 a yearEarns |
|---|---|---|---|
| Up to $2,500Unknown to open | 0.00% | Unknown | — |
| $2,500 – $10,000$100 to open | 0.10% | $100 | — |
| $10,000 – $25,000$100 to open | 0.25% | $100 | $25 |
| $25,000 – $100,000$100 to open | 0.50% | $100 | — |
| $100,000 – $500,000$100 to open | 0.75% | $100 | — |
| $500,000 and up$100 to open | 1.01% | $100 | — |
Sources (1)
- cbhou.com/About/Rates · captured Sep 25, 2026
Savings Account
0.05%APY
4 Free Withdrawals Per Quarter, Additional Withdrawals $2 Each. No $10 Quarterly Service Charge if $200 Minimum Daily Current Balance is Maintained. Account Earns Interest on the Daily Current Balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo $10 Quarterly Service Charge if $200 Minimum Daily Current Balance is Maintained.Any balance | 0.05% | $5 | No $10 Quarterly Service Charge if $200 Minimum Daily Current Balance is Maintained. |
Special-purpose accounts
Student Savings Account
0.05%APY
Applicable for Students between 14 and 25 years old. Free Monthly eStatements with Images. 2 Free Withdrawals Per Month, Additional Withdrawals $2 Each. No Early Closing Fees After 180 Days.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.