Bank · FDIC insured
City Bank Savings Rates
City Bank’s best savings rate is 0.80% APY on $10,000, with its MMDA Investment Personal. Rates checked October 16, 2026.
How City Bank’s savings rates compare
Compared with banks and credit unions near Lubbock, TX, where City Bank has the most branches. $10,000, best rate first.
This bank’s best
City Bank
0.80%APY
- Minimum
- $1,500
- Earns on $10,000 a year
- $80
MMDA Investment Personal
Top rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
2nd-highest rate
Cornerstone Capital Bank
3.50%APY
- Minimum
- $50
- Earns on $10,000 a year
- $350
City Bank savings score
84
Savings score
Higher than 64% of U.S. banks and credit unions
- $1,000 balance$1,0000.75%
- $10,000 balance$10,0000.80%
- $100,000 balance$100,0001.31%
- QualifiedQualified0.80%
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 City 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.
MMDA Investment Personal
0.80%APY
Variable rate account where interest rate and APY may change at discretion. $12.00 service charge imposed every statement cycle if balance falls below $1,500 any day of the statement cycle. $5.00 service charge per statement cycle for paper statements (avoidable by signing up for free e-statements through online banking).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,500A service charge of $12.00 will be imposed every statement cycle if the balance in the account falls below $1,500 any day of the statement cycle. | 0.00% | — | A service charge of $12.00 will be imposed every statement cycle if the balance in the account falls below $1,500 any day of the statement cycle. |
| $1,500 – $25,000Must maintain a minimum balance of $1,500 in the account each day to obtain disclosed APY. Avoid $12.00 fee by maintaining minimum daily balance of $1,500. | 0.80% | $80 | Must maintain a minimum balance of $1,500 in the account each day to obtain disclosed APY. Avoid $12.00 fee by maintaining minimum daily balance of $1,500. |
| $25,000 – $50,000Avoid $12.00 fee by maintaining minimum daily balance of $1,500. | 1.06% | — | Avoid $12.00 fee by maintaining minimum daily balance of $1,500. |
| $50,000 – $100,000Avoid $12.00 fee by maintaining minimum daily balance of $1,500. | 1.16% | — | Avoid $12.00 fee by maintaining minimum daily balance of $1,500. |
| $100,000 and upAvoid $12.00 fee by maintaining minimum daily balance of $1,500. | 1.31% | — | Avoid $12.00 fee by maintaining minimum daily balance of $1,500. |
Sources (1)
- city.bank/disclosures/mmda-inv…personal-truth-in-saving · captured Sep 25, 2026
Personal Savings Account
0.75%APY
$300 minimum opening deposit. $10 service charge per statement cycle if balance falls below $300 on any day of the statement cycle. $5 service charge per statement cycle for paper statements (free e-statements).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $300A $10 service charge is imposed each statement cycle if the balance falls below $300 on any day. | 0.00% | — | A $10 service charge is imposed each statement cycle if the balance falls below $300 on any day. |
| $300 and up$10 service charge waived when maintaining a minimum daily balance of $300. | 0.75% | $75 | $10 service charge waived when maintaining a minimum daily balance of $300. |
Sources (2)
All captured Sep 24, 2026
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.