Compare Bank & Credit Union Rates
Best savings rates in Dallas, 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 Dallas, TX
- 4.00%APY$400 a year on $10,000
Balance cap $49,999 · Effective Oct 14, 2026
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 - 3.75%APY$375 a year on $10,000
Requirements
Offer: Maintain a $300 minimum daily balance to avoid the $5.00 monthly maintenance fee. Rate may change after account is opened. If account is closed prior to end of the statement cycle, interest will not be paid for that statement cycle.
3.70% interest rate · $5 monthly fee · Effective Oct 6, 2026
Rate checked
More details - UMB BankUMB Retail Money MarketUMB Retail Money Market · $0 min · 0.10%–3.71% by balance
Bank · 1 branch
3.71%APY$371 a year on $10,000Requirements
Product: Interest rates and annual percentage yields (APYs) listed are for accounts opened online. Interest paid on tiered balances; debit card access; monthly service fee waiver option.
Offer: Tier I
0.10% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for UMB Retail Money Market Balance APY Up to $10,000 0.10% $10,000 – $25,000Your amountTier II 3.71% $25,000 – $50,000Tier III 3.71% $50,000 – $75,000Tier IV 3.71% $75,000 – $100,000Tier V 3.71% $100,000 – $1,000,000Tier VI 3.71% $1,000,000 and upTier VII 3.71% 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 - BankUnitedPromotional Money Market AccountPromotional Money Market Account · $2,500 min
Bank · 1 branch
3.50%APY$350 a year on $10,000intro rateRequirements
Product: Available to new clients who have never held an account with BankUnited, N.A., or existing clients who deposit new funds not currently on deposit with BankUnited. Monthly maintenance fee waived when minimum daily balance is maintained. After the 6-month promotional period, converts to standard Money Market account at the then-current variable APY.
Offer: Promotional APY applies for the first 6 months on all balances. Monthly maintenance fee waived when required minimum daily balance is maintained. After 6 months, converts to variable rate. Available to new clients or existing clients depositing new funds.
Promotional rate · Effective Jul 14, 2026
Rate checked
More details - Texans Credit UnionMy Texans SavingsSavings · $5 min · 0.01%–3.50% by balance
Credit union · 2 branches
3.50%APY$350 a year on $10,000with conditionsRequirements
Product: Minimum balance of $5 required to open a Regular/My Texans Savings account. Minimum daily balance of $25 is required to earn dividends. Dividends compounded monthly and credited each calendar month.
Offer: Requires linked Texans Two-Step Checking account with monthly direct deposits of $2,000 or more during the qualification cycle. Balances up to $20,000 earn 3.50% APY.
Qualified rate · 3.45% interest rate · Compounded monthly · Effective Feb 23, 2026
Rate by balance
Rate by balance for My Texans Savings Balance APY Up to $20,000Your amount 3.50% Over $20,000 0.01% Rate checked
More details - 3.45%APY$345 a year on $10,000
Requirements
Product: Aggregate deposit balances limited to $1 million per tax identification number. Minimum deposit to open is $500 for accounts opened in a retail branch and $1,000 for accounts opened online. Minimum balance necessary to obtain disclosed APY is $500.00. Quarterly minimum balance fee of $3.00 if daily balance drops below $500 any day of the quarter. Fee of $15.00 assessed if account is closed within 6 months of opening.
Offer: Online rate. Online opening minimum is $1,000. Minimum balance to earn APY tier stated as $0.01+.
3.41% interest rate
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 · 11 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 - Credit Union of TexasHigh Yield SavingsSavings · $1,000 min · 0.10%–3.25% by balance
Credit union · 2 branches
3.25%APY$325 a year on $10,000Requirements
Product: Initial opening and subsequent deposit funds must be new money not previously held by any member of the Credit Union. Limited to 1 account per membership. Must maintain a minimum daily balance of $1,000.00 to avoid $10.00 monthly service fee. Minimum average daily balance of $100.00 required to earn disclosed APY. $10.00 fee per withdrawal or transfer in excess of 6 per month.
Offer: Variable rate. Average daily balance method used. Minimum average daily balance of $100.00 required to earn interest/dividends. If average daily balance falls below $1,000, earns interest at applicable variable rate.
0.10% interest rate · $10 monthly fee · Effective Jan 1, 2026
Rate by balance
Rate by balance for High Yield Savings Balance APY Up to $1,000 0.10% $1,000 – $25,000Your amount 3.25% Over $25,000 1.35% 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 · 11 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 - Monet BankMoney Market AccountMoney Market Account · $2,500 min · 0.00%–3.35% by balance
Bank · 1 branch
3.10%APY$310 a year on $10,000Requirements
Product: No fixed terms or maturities. Aggregate deposit balances limited to $1 million per tax identification number. Minimum deposit to open is $1,000 for branch accounts and $2,500 for online accounts.
Offer: Monthly minimum balance fee of $10.00 assessed if daily balance drops below $1,000 any day of statement cycle.
0.00% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $999 0.00% $1,000 – $24,999Your amount 3.10% $25,000 and up 3.35% 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 Dallas, TX
161 accounts at 58 banks and credit unions · checked Oct 15–22
- Typical
- 0.25%
- Top 10% from
- 3.02%
- Banks, typical
- 0.25%
- Credit unions, typical
- 0.23%
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Dallas, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Prestige Community CUCredit union · 2 branches
- Nizari Credit UnionCredit union · 1 branch
- PenFed Credit UnionCredit union · 2 branches