Bank · FDIC insured
PlainsCapital Bank Savings Rates
PlainsCapital Bank’s best savings rate is 3.40% APY on $10,000, with its Personal Savings Account. Rates checked October 16, 2026.
How PlainsCapital Bank’s savings rates compare
Compared with banks and credit unions near Dallas, TX, where PlainsCapital Bank has the most branches. $10,000, best rate first.
This bank’s best
PlainsCapital Bank
3.40%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $340
Personal Savings Account
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
Nizari Credit Union
4.00%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $400
PlainsCapital Bank savings score
95
Savings score
Higher than 98% of U.S. banks and credit unions
- $1,000 balance$1,0003.40%
- $10,000 balance$10,0003.40%
- $100,000 balance$100,0003.40%
- QualifiedQualified3.40%
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 PlainsCapital 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.
Personal Savings Account
3.40%APY
Six withdrawals and/or transfers per quarterly statement cycle at no charge, thereafter $3 per transaction. Min. $100 daily balance required to avoid $5 quarterly service fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAvailable for all eligible Personal Savings Accounts in the Houston and San Antonio markets. $5 quarterly service fee avoided by maintaining a minimum $100 daily balance.Any balance | 3.40% | $340 | Available for all eligible Personal Savings Accounts in the Houston and San Antonio markets. $5 quarterly service fee avoided by maintaining a minimum $100 daily balance. |
Personal Money Market
1.71%APY
Rate may change after account is opened. $2,500 daily minimum balance required to earn APY and avoid $10 monthly service fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $4,999$2,500 daily minimum balance required to earn APY and avoid $10 monthly service fee. | 1.66% | — | $2,500 daily minimum balance required to earn APY and avoid $10 monthly service fee. |
| $5,000 – $24,999$2,500 daily minimum balance required to earn APY and avoid $10 monthly service fee. | 1.71% | $171 | $2,500 daily minimum balance required to earn APY and avoid $10 monthly service fee. |
| $25,000 – $99,999$2,500 daily minimum balance required to earn APY and avoid $10 monthly service fee. | 1.81% | — | $2,500 daily minimum balance required to earn APY and avoid $10 monthly service fee. |
| $100,000 – $499,999$2,500 daily minimum balance required to earn APY and avoid $10 monthly service fee. | 1.92% | — | $2,500 daily minimum balance required to earn APY and avoid $10 monthly service fee. |
| $500,000 – $999,999$2,500 daily minimum balance required to earn APY and avoid $10 monthly service fee. | 2.22% | — | $2,500 daily minimum balance required to earn APY and avoid $10 monthly service fee. |
| $1,000,000 – $1,999,999$2,500 daily minimum balance required to earn APY and avoid $10 monthly service fee. | 2.38% | — | $2,500 daily minimum balance required to earn APY and avoid $10 monthly service fee. |
| $2,000,000 – $4,999,999$2,500 daily minimum balance required to earn APY and avoid $10 monthly service fee. | 2.43% | — | $2,500 daily minimum balance required to earn APY and avoid $10 monthly service fee. |
| $5,000,000 – $7,499,999$2,500 daily minimum balance required to earn APY and avoid $10 monthly service fee. | 2.78% | — | $2,500 daily minimum balance required to earn APY and avoid $10 monthly service fee. |
| $7,500,000 and up$2,500 daily minimum balance required to earn APY and avoid $10 monthly service fee. | 3.18% | — | $2,500 daily minimum balance required to earn APY and avoid $10 monthly service fee. |
Momentum Max Savings Account
Up to 3.15%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceMax Rate. Must have a Momentum Max or Momentum Max Plus checking account with a minimum average daily balance of $50,000. Must have $40,000 in monthly merchant volume is required to receive rate. Rate based on prior-month balance and merchant service volume.Any balance | 3.15% | $315 | Max Rate. Must have a Momentum Max or Momentum Max Plus checking account with a minimum average daily balance of $50,000. Must have $40,000 in monthly merchant volume is required to receive rate. Rate based on prior-month balance and merchant service volume. |
| Any balanceEnhanced Rate. Must have a Momentum Max or Momentum Max Plus checking account with a minimum average daily balance of $50,000 is required to receive rate.Any balance | 2.65% | $265 | Enhanced Rate. Must have a Momentum Max or Momentum Max Plus checking account with a minimum average daily balance of $50,000 is required to receive rate. |
| Any balanceCore Rate. $100 min daily balance required to avoid a $5 monthly service fee. Rate may change after account is opened.Any balance | 2.15% | $215 | Core Rate. $100 min daily balance required to avoid a $5 monthly service fee. Rate may change after account is opened. |
Sources (2)
All captured Oct 6, 2026
Special-purpose accounts
Coverdell Education Savings Account
Up to 3.19%APY · 5 terms
Tax-free earnings and withdrawals for qualified education expenses. Up to $2,000 annual contribution limit. Early withdrawal fee applies.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months1 Year term. Early withdrawal fee applies. APY earned on all balances | 3.19% | $319 |
| 24 months2 Year term. Early withdrawal fee applies. APY earned on all balances | 3.03% | $615 |
| 36 months3 Year term. Early withdrawal fee applies. APY earned on all balances | 2.98% | $921 |
| 48 months4 Year term. Early withdrawal fee applies. APY earned on all balances | 2.88% | $1,203 |
| 60 months5 Year term. Early withdrawal fee applies. APY earned on all balances | 2.83% | $1,497 |
Sources (3)
- plainscapital.com/current-rates?gen-printable-pdf=6823
- plainscapital.com/current-rates
- plainscapital.com/personal/banking/savings-money-market
All captured Oct 6, 2026
Health Savings Account
0.90%APY
Must be covered by a High Deductible Health Plan (HDHP), cannot be enrolled in Medicare, and cannot be claimed as a dependent on a federal tax return. $3 monthly administration fee regardless of balance.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarn interest on all balances. $3 monthly administration fee regardless of balance.Any balance | 0.90% | $90 | Earn interest on all balances. $3 monthly administration fee regardless of balance. |
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.