Compare Bank & Credit Union Rates
Best savings rates in Austin, TX
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 1–15 results in Austin, TX
- 5.00%APY$500 a year on $10,000with conditions
Requirements
Product: Available to new customers only. 12-month term with simple interest credited at maturity. Early withdrawal penalty applies. Minimum contract deposit amount is $1,000 and maximum contract deposit amount is $15,000. All bonus requirements must be fulfilled within 3 months of account opening and maintained through maturity.
Offer: Includes base rate (3.50% APY) plus +0.50% APY for opening a Woori America Bank Checking Account with monthly ACH deposits of at least $100, +0.50% APY for paperless eStatements, and +0.50% APY for opening a Woori America Bank Credit Card and linking checking account for payments (subject to credit approval).
Qualified rate · Balance cap $15,000 · Effective Apr 29, 2026
Rate checked
More details - Nizari Credit UnionNizari Savings PlusSavings · $1,000 min · 3.04%–4.00% by balance
Credit union · 2 branches
4.00%APY$400 a year on $10,000Requirements
Product: Minimum balance of $1,000.00 is required to receive the dividend. Dividends are compounded and paid monthly. No dividend will be paid if account is closed before month end.
3.93% interest rate · Effective Aug 1, 2026
Rate by balance
Rate by balance for Nizari Savings Plus Balance APY $1,000 – $250,000Your amount 4.00% $250,000 – $500,000 3.51% $500,000 – $1,000,000 3.35% Over $1,000,000 3.04% Rate checked
More details - 4.00%APY$400 a year on $10,000with conditions
Requirements
Product: Links to free Kasasa Cash Back, Kasasa Cash, or Kasasa Play checking for automatic savings. $25 minimum deposit to open. No monthly maintenance fees. Qualifications per Monthly Qualification Cycle: at least 1 direct deposit/ACH credit/debit, at least 12 debit card purchases post and settle, and enrolled in e-statements.
Offer: When Kasasa checking qualifications are met.
Qualified rate · 3.93% interest rate · Balance cap $100,000 · No monthly fee
Rate checked
More details - 3.85%APY$385 a year on $10,000
Requirements
Product: Limited to individuals with a Texas residential address. If you are not a Texas resident, you will be presented with an offer for the Star Savings Account.
Offer: Daily balance up to and including $1,000,000 will earn the disclosed APY. Texas residency required.
3.78% interest rate · No monthly fee · Effective Sep 30, 2026
Rate checked
More details - 3.82%APY$382 a year on $10,000
Requirements
Product: Offered exclusively online and may be discontinued at any time without notice. Not available in AZ, CA, ID, NV, OR, TX, UT, NM and WA states. Not available for IRAs or business accounts. Variable-rate account; interest compounded daily and credited monthly. Must fund account and provide required documentation within 20 business days of account opening.
Offer: No minimum opening deposit. No monthly account service charge.
3.75% interest rate · Compounded daily · No monthly fee · Effective May 4, 2026
Rate checked
More details - 3.65%APY$365 a year on $10,000
Requirements
Product: Offered under Texas Capital at Work. If an account remains unfunded for 25 business days, the bank reserves the right to close that account.
Offer: Applies to all balances.
3.58% interest rate
Rate checked
More details - 3.50%APY$350 a year on $10,000with conditions
Requirements
Product: Available to new customers only. 12-month term with simple interest credited at maturity. Early withdrawal penalty applies. Minimum contract deposit amount is $1,000 and maximum contract deposit amount is $15,000. All bonus requirements must be fulfilled within 3 months of account opening and maintained through maturity.
Offer: Base rate for opening SmartStep Installment Savings Account.
Qualified rate · Balance cap $15,000 · Effective Apr 29, 2026
Rate checked
More details - 3.40%APY$340 a year on $10,000
Requirements
Product: 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.
Offer: 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.
3.36% interest rate · Effective Sep 29, 2026
Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.06%–3.25% by balance
Bank · 3 branches
3.25%APY$325 a year on $10,000with conditionsRequirements
Product: Monthly maintenance fee of $10 waived with an average daily balance of $2,500 or when you also own a Huntington personal checking account. Minimum opening deposit is $100. Higher relationship rates available when linked with qualifying checking accounts. Rates are specific to ZIP code 43215.
Offer: Promotional Rate with open Private Client Account; requires new money to Huntington. Rate applies to ZIP code 43215.
Qualified rate · 0.06% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Huntington Relationship Savings Balance APY Up to $5,000 0.06% $5,000 – $2,000,001Your amountPromotional Rate with open Huntington Perks Checking account; 3.25% $2,000,001 – $100,000,000,000Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.06% Rate checked
More details - 3.15%APY$315 a year on $10,000with conditions
Requirements
Offer: 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.
Qualified rate · 3.11% interest rate · Effective Oct 6, 2026
Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.02%–3.15% by balance
Bank · 3 branches
3.15%APY$315 a year on $10,000with conditionsRequirements
Product: Monthly maintenance fee of $10 waived with an average daily balance of $2,500 or when you also own a Huntington personal checking account. Minimum opening deposit is $100. Higher relationship rates available when linked with qualifying checking accounts. Rates are specific to ZIP code 43215.
Offer: Promotional Rate with open Huntington Perks Checking account; requires new money to Huntington. Rate applies to ZIP code 43215.
Qualified rate · 0.02% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Huntington Relationship Savings Balance APY Up to $5,000 0.02% $5,000 – $2,000,001Your amountNon-Relationship Promotional Rate; 3.15% $2,000,001 – $100,000,000,000Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.02% Rate checked
More details - 3.03%APY$303 a year on $10,000
Requirements
Product: Must maintain a minimum balance of $100.00 to keep account open and earn dividends. Maximum deposit of $1,000.00 per month for individual share savings accounts. Limited to 6 withdrawals/transfers per month (maximum 3 by draft/check/debit).
Offer: Interest/dividends compounded and credited quarterly on balances exceeding $100.00 based on the average daily balance method.
No monthly fee
Rate checked
More details - 3.02%APY$302 a year on $10,000
Rate by balance
Rate by balance for Velocity Money Market Balance APY Up to $24,999Your amount 3.02% Over $24,999 3.85% Rate checked
More details - Woori America BankWooriWON Money MarketWooriWON Money Market · $500 min · 3.00%–3.15% by balance
Bank · 1 branch
3.00%APY$300 a year on $10,000Requirements
Product: Available online in states where branches are located. Interest compounded monthly. Fees may reduce earnings. APY/rate may change at any time before or after account opening.
Offer: Monthly service fee of $10 waived by maintaining an average daily balance of $500 in the account for the monthly cycle.
Compounded monthly · $10 monthly fee · Effective Dec 12, 2025
Rate by balance
Rate by balance for WooriWON Money Market Balance APY Up to $100,000Your amount 3.00% $100,000 and up 3.15% Rate checked
More details - 2.95%APY$295 a year on $10,000
Requirements
Product: Exclusive online-only savings account available in states where branches are located (NY, NJ, PA, MD, VA, GA, TX, CA). Limited to six transfers/withdrawals per monthly cycle. Interest compounded monthly.
Offer: Monthly service fee of $5 waived by maintaining an average daily balance of $100 in the account for the monthly cycle.
Compounded monthly · $5 monthly fee · Effective Dec 12, 2025
Rate by balance
Rate by balance for WooriWON Savings Balance APY Up to $100,000Your amount 2.95% $100,000 and up 3.25% Rate checked
More details
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
What savings accounts pay in Austin, TX
124 accounts at 42 banks and credit unions · checked Oct 16–22
- Typical
- 0.20%
- Top 10% from
- 3.01%
- Banks, typical
- 0.20%
- Credit unions, typical
- 0.20%
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Austin, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Nizari Credit UnionCredit union · 2 branches
- Government Employees FCUCredit union · 6 branches
- Cornerstone Capital BankBank · 1 branch