Compare Bank & Credit Union Rates
Best savings rates in Garland, 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 Garland, TX
- 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 - 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 - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.06%–3.25% by balance
Bank · 1 branch
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 · 1 branch
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 - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.02%–3.15% by balance
Bank · 1 branch
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 - First National Bank TexasMoney Market AccountMoney Market Account · $0 min · 0.02%–3.25% by balance
Bank · 2 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 - RBFCURBFCU Classic Money MarketRBFCU Classic Money Market · $2,500 min · 1.76%–2.43% by balance
Credit union · 1 branch
1.76%APY$176 a year on $10,000Requirements
Product: $2,500 minimum deposit to open account. Dividends compounded and paid monthly. The credit union pays the applicable tiered dividend rate on the total balance in the account. If balance falls below $2,500, the account will automatically revert to the savings account rate at that time, by the end of the business day. Up to six electronic or over-the-phone outgoing transactions/withdrawals per account per month; excessive transaction fee applies thereafter. Unlimited deposits at a branch.
Offer: Rate applied to the entire balance.
1.75% interest rate · No monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for RBFCU Classic Money Market Balance APY $2,500 – $25,000Your amount 1.76% $25,000 – $75,000 1.76% $75,000 – $150,000 2.22% $150,000 and up 2.43% Rate checked
More details - Firefighters First Credit UnionMoney MarketMoney Market · $0 min · 0.05%–1.75% by balance
Credit union · 1 branch
1.60%APY$160 a year on $10,000Requirements
Product: Variable-rate tiered account. Dividends are compounded and credited monthly. Rate will never fall below the regular savings account dividend rate as long as a $2,500 minimum balance is maintained.
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,500 0.05% $2,500 – $50,000Your amount 1.60% $50,000 – $75,000 1.65% $75,000 – $100,000 1.70% $100,000 and up 1.75% Rate checked
More details - Texans Credit UnionPerformance Money Market AccountPerformance Money Market Account · $500 min · 1.25%–3.50% by balance
Credit union · 2 branches
1.50%APY$150 a year on $10,000Requirements
Product: Requires a minimum opening deposit of $500. Membership required. Variable rate account. Dividends compounded and credited monthly. Monthly service fee of $10 applies if balance falls below $2,500 (fee is avoided if balance is $2,500 or higher).
Offer: Monthly service fee of $10 waived with minimum balance of $2,500.
1.24% interest rate · $10 monthly fee · Effective Dec 1, 2025
Rate by balance
Rate by balance for Performance Money Market Account Balance APY Up to $10,000 1.25% $10,000 – $25,000Your amount 1.50% $25,000 – $50,000 1.75% $50,000 – $100,000 2.00% $100,000 – $250,000 2.25% $250,000 – $500,000 2.50% $500,000 – $750,000 3.00% $750,000 – $1,000,000 3.25% $1,000,000 and up 3.50% Rate checked
More details - WaFd BankHigh Yield Money MarketHigh Yield Money Market · $25 min · 1.25%–2.00% by balance
Bank · 1 branch
1.25%APY$125 a year on $10,000Requirements
Product: Promotion may be discontinued at any time. Not available for IRAs or business clients.
Offer: $1,000 minimum balance to avoid $10 monthly service charge.
1.24% interest rate · $10 monthly fee · Effective Oct 14, 2026
Rate by balance
Rate by balance for High Yield Money Market Balance APY Up to $89,999Your amount 1.25% $90,000 – $249,999 1.50% $250,000 – $499,999 1.60% $500,000 and up 2.00% Rate checked
More details - 1.00%APY$100 a year on $10,000with conditions
Requirements
Product: Your Share Savings gets upgraded to a High-Yield Savings when you open a High-Yield Checking account.
Offer: Requires opening a High-Yield Checking account and meeting eligibility requirements (enrollment in eDocuments, recurring direct deposit totaling $500+ per month to HYC, and 10+ POS debit card withdrawals of $1+ per month).
Qualified rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for High-Yield Savings Balance APY Up to $50,000Your amount 1.00% Over $50,000Requires opening a High-Yield Checking account and meeting eligibility requirements. 0.25% Rate checked
More details - Resource One Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.00%–1.21% by balance
Credit union · 2 branches
1.00%APY$100 a year on $10,000Requirements
Product: Limit one money market account per membership. Minimum opening deposit of $2,500. Minimum balance to earn dividends is $2,500 (paid monthly based on daily balance). $10 monthly maintenance fee waived if minimum daily balance is met.
Offer: Earns 0.00% dividends on balances below $2,500. Monthly maintenance fee of $10 applies unless minimum daily balance is met.
0.00% interest rate · $10 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.00% $2,500 – $25,000Your amountMonthly maintenance fee of $10 waived if minimum daily balance is met. Dividends paid monthly based on daily balance. 1.00% $25,000 – $100,000Monthly maintenance fee of $10 waived if minimum daily balance is met. Dividends paid monthly based on daily balance. 1.11% $100,000 and upMonthly maintenance fee of $10 waived if minimum daily balance is met. Dividends paid monthly based on daily balance. 1.21% Rate checked
More details - Resource One Credit UnionExecutive Suite Money MarketExecutive Suite Money Market · $2,500 min · 0.00%–1.21% by balance
Credit union · 2 branches
1.00%APY$100 a year on $10,000Requirements
Product: Minimum balance to open is $2,500.00. The minimum balance to earn is $2,500.00. Fees could reduce earnings on the account.
Offer: Minimum balance to earn is $2,500.00.
0.00% interest rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for Executive Suite Money Market Balance APY Up to $2,500 0.00% $2,500 – $25,000Your amount 1.00% $25,000 – $100,000 1.11% $100,000 and up 1.21% Rate checked
More details - Credit Union of TexasRegular Money MarketRegular Money Market · $2,000 min · 1.00%–1.50% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Interest compounds monthly at a variable rate. NCUA insured. Membership required. Limit of 6 withdrawals per month may apply.
1.00% interest rate · Effective Jan 1, 2026
Rate by balance
Rate by balance for Regular Money Market Balance APY Up to $2,000 1.00% $2,000 – $10,000Your amount 1.00% $10,000 – $20,000 1.00% $20,000 – $40,000 1.25% Over $40,000 1.50% Rate checked
More details - Woodforest National BankEmerald Elite AccountEmerald Elite Account · $25 min · 1.00%–3.00% by balance
Bank · 2 branches
1.00%APY$100 a year on $10,000Requirements
Product: Tiered money market account. $25.00 monthly minimum balance fee waived if a balance of $10,000.00 or above is maintained each day in the statement period. Up to 6 withdrawals per statement period at no charge ($25.00 fee per excessive withdrawal over 6). Includes custom wallet checks, cashier's checks, money orders, and notary services.
Offer: Emerald Elite 1st Tier. Variable interest rate calculated using daily balance method. $25.00 monthly minimum balance fee waived if a balance of $10,000.00 or above is maintained each day in the statement period.
$25 monthly fee · Effective Sep 14, 2026
Rate by balance
Rate by balance for Emerald Elite Account Balance APY Over $0Your amount 1.00% $100,000 and upEmerald Elite 2nd Tier. 1.50% $250,000 and upEmerald Elite 3rd Tier. 2.00% $500,000 and upEmerald Elite 4th Tier. 3.00% 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 Garland, TX
67 accounts at 22 banks and credit unions · checked Oct 6–22
- Typical
- 0.10%
- Top 10% from
- 1.66%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.25%
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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