Bank · FDIC insured
Karnes County National Bank Savings Rates
Karnes County National Bank’s best savings rate is 1.26% APY on $10,000, with its Patron Money Market. Rates checked October 16, 2026.
How Karnes County National Bank’s savings rates compare
Compared with banks and credit unions near Beeville, TX, where Karnes County National Bank has the most branches. $10,000, best rate first.
This bank’s best
Karnes County National Bank
1.26%APY
- Requires
- None
- Minimum
- $1,500
- Earns on $10,000 a year
- $126
Patron Money Market
Top rate
Rally Credit Union
3.30%APY
- Requires
- Monthly account activity
- Minimum
- $25
- Earns on $10,000 a year
- $330
2nd-highest rate
First National Bank Texas
2.00%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $200
Karnes County National Bank savings score
87
Savings score
Higher than 78% of U.S. banks and credit unions
- $1,000 balance$1,0000.75%
- $10,000 balance$10,0001.26%
- $100,000 balance$100,0001.26%
- QualifiedQualified1.26%
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 Karnes County National 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.
Patron Money Market
1.26%APY
Must apply in person at a KCNB location (online/electronic application submission not provided). Valid government-issued photo ID, Social Security Card, proof of residence, and opening deposit required to open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Monthly maintenance fee of $8.00 waived if average balance per statement cycle is $1,500.00 or more. Minimum balance to obtain APY is $0.01. Interest compounded monthly using daily balance method. Variable rate; rate and APY may change after opening. Statement delivery: e-Statements at no charge, paper statements $2.00 per month. Debit limit of 6 debits per statement cycle ($2.00 fee per debit transaction in excess).Over $0 | 1.26% | $126 | Monthly maintenance fee of $8.00 waived if average balance per statement cycle is $1,500.00 or more. Minimum balance to obtain APY is $0.01. Interest compounded monthly using daily balance method. Variable rate; rate and APY may change after opening. Statement delivery: e-Statements at no charge, paper statements $2.00 per month. Debit limit of 6 debits per statement cycle ($2.00 fee per debit transaction in excess). |
Sources (1)
- kcnb.com/moneymarket · captured Oct 6, 2026
regular savings
0.75%APY
Quarterly statement cycle. Fee of $4.00 if average balance per statement cycle is less than $10.00, $3.00 if $10.00 to $49.99, $1.50 if $50.00 to $99.99, or no fee if $100.00 or more. 9 debits per statement cycle limit ($1.00 fee per excess debit). Paper statements $2.00/month, e-Statements no charge.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Interest compounded quarterly. Daily balance method used to calculate interest.Over $0 | 0.75% | $75 | Interest compounded quarterly. Daily balance method used to calculate interest. |
Sources (1)
- kcnb.com/personalsavings · captured Oct 16, 2026
Special-purpose accounts
TUTMA Account
0.75%APY
Texas Uniform Transfer to Minors Act Account. Quarterly statement cycle. Maintenance fees not applicable. 9 debits per statement cycle limit ($1.00 fee per excess debit). Paper statements $2.00/month, e-Statements no charge.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Interest compounded quarterly. Daily balance method used to calculate interest.Over $0 | 0.75% | $75 | Interest compounded quarterly. Daily balance method used to calculate interest. |
Sources (1)
- kcnb.com/personalsavings · captured Oct 16, 2026
Youth Savings
0.75%APY
Available to customers up to 25 years of age. Quarterly statement cycle. Fee of $4.00 if average balance per statement cycle is less than $10.00, or no fee if $10.00 or more. 9 debits per statement cycle limit ($1.00 fee per excess debit). Paper statements $2.00/month, e-Statements no charge.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Interest compounded quarterly. Daily balance method used to calculate interest.Over $0 | 0.75% | $75 | Interest compounded quarterly. Daily balance method used to calculate interest. |
Sources (1)
- kcnb.com/personalsavings · captured Oct 16, 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.