Compare Bank & Credit Union Rates
Best savings rates in El Paso, 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 El Paso, TX
- 5.12%APY$512 a year on $10,000with conditions
Requirements
Product: Must provide proof of active service (military ID, employee/volunteer ID, paystub, or veterans ID) verifying role as an active first responder, educator, military personnel, healthcare worker, or veteran. At least one account owner must have an open checking account with Citizens Bank.
Offer: Earns 5.00% interest (5.12% APY) on balances up to $50,000. Balances in excess of $50,000 earn the regular savings account rate.
Qualified rate · 5.00% interest rate · Balance cap $50,000
Rate checked
More details - Chevron Federal Credit UnionMarketEdge Money Market SavingsMarketEdge Money Market Savings · $0 min · 0.75%–3.25% by balance
Credit union · 2 branches
3.15%APY$315 a year on $10,000Requirements
Product: High-yield savings account with checks and debit card convenience. No term restrictions. Balances below $2,500 earn regular Primary Share Savings rate. Requires maintaining $25 minimum balance in Primary Share Savings account.
Offer: Balances below $2,500 earn regular Primary Share Savings dividend rate.
0.75% interest rate · No monthly fee
Rate by balance
Rate by balance for MarketEdge Money Market Savings Balance APY Up to $2,500 0.75% $2,500 – $10,000 3.15% $10,000 – $25,000Your amount 3.15% $25,000 – $50,000 3.25% $50,000 – $100,000 3.25% $100,000 – $250,000 3.25% $250,000 and up 3.25% 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 - First National Bank TexasMoney Market AccountMoney Market Account · $0 min · 0.02%–3.25% by balance
Bank · 16 branches
2.00%APY$200 a year on $10,000Requirements
Offer: The interest rate and APY on this account are subject to change at any time, without notice, after the account is opened. Interest compounded/credited daily/monthly.
0.02% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.02% $2,500 – $10,000 0.25% $10,000 – $25,000Your amount 2.00% $25,000 – $50,000 2.50% $50,000 – $100,000 3.00% $100,000 – $250,000 3.25% $250,000 and up 3.25% Rate checked
More details - Nusenda Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 0.25%–3.10% by balance
Credit union · 4 branches
1.10%APY$110 a year on $10,000Requirements
Product: Must maintain an average monthly balance of $2,500 to avoid a $7.50 monthly maintenance fee. Variable-rate account; rates are subject to change after opening. Must maintain minimum daily balance each day to obtain disclosed APY.
Offer: Avoid the $7.50 monthly maintenance fee by maintaining an average monthly balance of $2,500. Must maintain minimum daily balance each day to obtain APY.
0.25% interest rate · $7.50 monthly fee · Effective Apr 30, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,499 0.25% $2,500 – $99,999Your amount 1.10% $100,000 – $249,999 1.35% $250,000 – $499,999 1.75% $500,000 – $999,999 2.60% $1,000,000 – $4,999,999 2.85% $5,000,000 and up 3.10% Rate checked
More details - TexasBankEmpower Money MarketEmpower Money Market · $1,000 min · 0.00%–2.02% by balance
Bank · 2 branches
1.00%APY$100 a year on $10,000Requirements
Product: Avoid the $10 monthly service charge by maintaining a minimum daily/average daily balance of $15,000 or more.
Offer: Rate paid on the entire balance if daily balance is less than or equal to $0.99. Account will not earn interest on balances less than $1.00. Avoid $10 monthly fee by maintaining an average daily balance of $15,000 or more.
0.00% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Empower Money Market Balance APY Up to $1 0.00% Up to $100,000Your amount 1.00% $100,000 – $250,000 1.26% $250,000 – $1,000,000 1.76% $1,000,000 – $5,000,000 1.76% $5,000,000 and up 2.02% Rate checked
More details - One Source Federal Credit UnionMoney Market AccountMoney Market Account · $2,000 min · 0.80%–1.31% by balance
Credit union · 2 branches
1.00%APY$100 a year on $10,000Requirements
Product: No account service fee. Maintaining at least $2,000 account balance pays higher dividend rates. Interest is paid monthly.
Offer: Terms are 30 - 31 Days. Interest is paid monthly.
0.80% interest rate · No monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,000 – $4,999 0.80% $5,000 – $9,999 0.90% $10,000 – $24,999Your amount 1.00% $25,000 – $49,999 1.11% $50,000 – $99,999 1.21% $100,000 and up 1.31% Rate checked
More details - City BankMMDA Investment PersonalMMDA Investment Personal · $1,500 min · 0.00%–1.31% by balance
Bank · 2 branches
0.80%APY$80 a year on $10,000Requirements
Product: Variable rate account where interest rate and APY may change at discretion. $12.00 service charge imposed every statement cycle if balance falls below $1,500 any day of the statement cycle. $5.00 service charge per statement cycle for paper statements (avoidable by signing up for free e-statements through online banking).
Offer: A service charge of $12.00 will be imposed every statement cycle if the balance in the account falls below $1,500 any day of the statement cycle.
0.00% interest rate · $12 monthly fee
Rate by balance
Rate by balance for MMDA Investment Personal Balance APY Up to $1,500 0.00% $1,500 – $25,000Your amount 0.80% $25,000 – $50,000Avoid $12.00 fee by maintaining minimum daily balance of $1,500. 1.06% $50,000 – $100,000Avoid $12.00 fee by maintaining minimum daily balance of $1,500. 1.16% $100,000 and upAvoid $12.00 fee by maintaining minimum daily balance of $1,500. 1.31% Rate checked
More details - 0.75%APY$75 a year on $10,000
Requirements
Product: $300 minimum opening deposit. $10 service charge per statement cycle if balance falls below $300 on any day of the statement cycle. $5 service charge per statement cycle for paper statements (free e-statements).
Offer: A $10 service charge is imposed each statement cycle if the balance falls below $300 on any day.
0.00% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Personal Savings Account Balance APY Up to $300 0.00% $300 and upYour amount 0.75% Rate checked
More details - 0.75%APY$75 a year on $10,000
Requirements
Product: Requires maintaining a minimum balance of $25.00 in Primary Share Savings to keep membership active and maintain other accounts. Accounts may be designated as Individual, Joint, Uniform Transfer to Minors Act (UTMA), and Trust.
Offer: Dividends are compounded daily and credited monthly. Minimum balance of $25 required to maintain account and earn dividends.
0.75% interest rate · Compounded daily
Rate checked
More details - evolve Federal Credit UnionMoney MarketMoney Market · $2,500 min · 0.50%–1.36% by balance
Credit union · 3 branches
0.50%APY$50 a year on $10,000Requirements
Product: Must have minimum balance of $2,500 to open account and earn dividends. $10 service fee assessed if balance drops below $2,500.
Offer: $10.00 service fee assessed if Actual Daily Balance drops below $2,500 at the end of the day on any day during the month.
0.50% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $25,000Your amount 0.50% $25,000 – $100,000 0.75% $100,000 and up 1.36% Rate checked
More details - White Sands Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.30%–1.76% by balance
Credit union · 1 branch
0.30%APY$30 a year on $10,000Requirements
Product: Available to members who live, work, or worship in Dona Ana, Sierra, El Paso, or Hudspeth County, family members of current members, or anyone over age 55 in the community. Requires a one-time $10 membership fee. With a minimum opening balance and maintained minimum daily balance. APY is based on compounded rate. The dividend rate and annual percentage yield may change monthly. There is a minimum average daily balance to avoid a service fee. Dividends calculated on average daily balance; accrued dividends not paid if closed prior to crediting. Maximum of 6 preauthorized, automatic, or telephone transfers per month by check, draft, or debit card to a third party.
Offer: Requires a minimum balance of $2,500 to earn stated rate.
0.30% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 and upYour amount 0.30% $25,000 and up 0.80% $50,000 and up 0.90% $100,000 and up 1.26% $200,000 and up 1.76% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: A Membership Savings Account with a $5 minimum is required to establish and maintain membership. Additional Share Savings Accounts do not require the $5 minimum. Navy Federal does not charge monthly maintenance fees on savings accounts.
Offer: Compounded and credited monthly. A Membership Savings Account with a $5 minimum is required to establish and maintain membership. Additional Share Savings Accounts do not require the $5 minimum. Rates on variable-rate accounts could change after account opening. Fees may reduce earnings.
0.25% interest rate · No monthly fee · Effective Oct 22, 2026
Rate checked
More details - Nusenda Credit UnionRegular SavingsSavings · $5 min · 0.00%–0.25% by balance
Credit union · 4 branches
0.25%APY$25 a year on $10,000Requirements
Product: Dividends are compounded daily and paid monthly. No monthly fees. Minimum opening deposit is $5. Must maintain the minimum daily balance each day to obtain the disclosed APY.
Offer: Non-Transaction Share/Dividend tier for minimum balance of $5.
0.00% interest rate · Compounded daily · No monthly fee · Effective Apr 30, 2026
Rate by balance
Rate by balance for Regular Savings Balance APY Up to $100 0.00% $100 – $9,999 0.25% $10,000 and upYour amount 0.25% Rate checked
More details - Mountain Star Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.15%–0.30% by balance
Credit union · 1 branch
0.20%APY$20 a year on $10,000Requirements
Product: Dividends paid monthly. No monthly or transaction fees as long as a minimum balance of $2,500.00 is maintained. Below minimum balance fee is $5.00 monthly. 6 withdrawals per month limit; $2.00 fee for exceeding withdrawal limitation. No ATM or Check Card access allowed. Non-sufficient funds fee is $30.00 per check.
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $9,999 0.15% $10,000 – $24,999Your amount 0.20% $25,000 and up 0.30% 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 El Paso, TX
40 accounts at 19 banks and credit unions · checked Oct 6–22
- Typical
- 0.15%
- Top 10% from
- 1.19%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.15%
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El Paso, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Navy Federal Credit UnionCredit union · 4 branches
- evolve Federal Credit UnionCredit union · 3 branches