Bank · FDIC insured
Extraco Banks Savings Rates
Extraco Banks’s best savings rate is 1.00% APY on $10,000, with its Smart Savings. Rates checked October 16, 2026.
How Extraco Banks’s savings rates compare
Compared with banks and credit unions near Killeen, TX, where Extraco Banks has the most branches. $10,000, best rate first.
This bank’s best
Extraco Banks
1.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $100
Smart Savings
Top rate
Texell Credit Union
3.50%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $350
2nd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
Extraco Banks savings score
84
Savings score
Higher than 65% of U.S. banks and credit unions
- $1,000 balance$1,0000.01%
- $10,000 balance$10,0001.00%
- $100,000 balance$100,0002.25%
- QualifiedQualified1.00%
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 Extraco Banks 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.
Premier Plus Money Market
0.01%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $24,999 | 0.01% | $1 |
| $25,000 – $49,999 | 0.01% | — |
| $50,000 – $249,999 | 2.25% | — |
| $250,000 – $499,999 | 2.75% | — |
| $500,000 and up | 3.00% | — |
Sources (1)
- extracobanks.com/personal/current-rates · captured Oct 16, 2026
Smart Rate Money Market
0.01%APY
Monthly service fee of $9.00 waived with an average daily balance of $5,000 per statement cycle between all Extraco deposit accounts, or if 23 years of age or younger or 65 years of age or over. Transfers to another account or third party are limited to 6 per statement cycle. A $5.00 charge applies to mailed paper statements (waived if 23 or younger or 65 or older).
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $24,999Monthly service fee of $9.00 waived with average daily balance of $5,000 across all Extraco deposit accounts, or age <= 23 or >= 65. | 0.01% | $1 | Monthly service fee of $9.00 waived with average daily balance of $5,000 across all Extraco deposit accounts, or age <= 23 or >= 65. |
| $25,000 – $49,999Monthly service fee of $9.00 waived with average daily balance of $5,000 across all Extraco deposit accounts, or age <= 23 or >= 65. | 1.00% | — | Monthly service fee of $9.00 waived with average daily balance of $5,000 across all Extraco deposit accounts, or age <= 23 or >= 65. |
| $50,000 – $249,999Monthly service fee of $9.00 waived with average daily balance of $5,000 across all Extraco deposit accounts, or age <= 23 or >= 65. | 2.00% | — | Monthly service fee of $9.00 waived with average daily balance of $5,000 across all Extraco deposit accounts, or age <= 23 or >= 65. |
| $250,000 – $499,999Monthly service fee of $9.00 waived with average daily balance of $5,000 across all Extraco deposit accounts, or age <= 23 or >= 65. | 2.25% | — | Monthly service fee of $9.00 waived with average daily balance of $5,000 across all Extraco deposit accounts, or age <= 23 or >= 65. |
| $500,000 and upMonthly service fee of $9.00 waived with average daily balance of $5,000 across all Extraco deposit accounts, or age <= 23 or >= 65. | 3.00% | — | Monthly service fee of $9.00 waived with average daily balance of $5,000 across all Extraco deposit accounts, or age <= 23 or >= 65. |
Sources (3)
- extracobanks.com
- extracobanks.com/banking-extra…/smart-rate-money-market
- extracobanks.com/personal/current-rates
All captured Oct 16, 2026
Smart Savings
1.00%APY
Monthly service fee of $7.00 is waived with an average daily balance of $2,500 per statement cycle across all Extraco deposit accounts, or if 23 years of age or younger or 65 years of age or older.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $24,999$7.00 monthly service fee waived with an average daily balance of $2,500 per statement cycle across all Extraco deposit accounts, or if 23 years of age or younger or 65 years of age or older. | 1.00% | $100 | $7.00 monthly service fee waived with an average daily balance of $2,500 per statement cycle across all Extraco deposit accounts, or if 23 years of age or younger or 65 years of age or older. |
| $25,000 and up$7.00 monthly service fee waived with an average daily balance of $2,500 per statement cycle across all Extraco deposit accounts, or if 23 years of age or younger or 65 years of age or older. | 1.00% | — | $7.00 monthly service fee waived with an average daily balance of $2,500 per statement cycle across all Extraco deposit accounts, or if 23 years of age or younger or 65 years of age or older. |
Special-purpose accounts
First Savings
0.50%APY
Available for kids ages 0-18. No minimum opening deposit required.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $4,999Available for kids ages 0-18. | 5.00% | — | Available for kids ages 0-18. |
| $5,000 and upAvailable for kids ages 0-18. | 0.50% | $50 | Available for kids ages 0-18. |
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.