Compare Bank & Credit Union Rates
Best savings rates in Houston, TX
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 76–90 results in Houston, TX
- Truity Credit UnionPerformance PlusSavings · $1,000 min · 0.65%–1.00% by balance
Credit union · 2 branches
0.70%APY$70 a year on $10,000Requirements
Product: Balances calculated using daily balance method. Dividends compounded and credited monthly. $10.00 per month service charge fee if average daily balance is below $1,000.
Offer: Tier $0-$9,999. Calculated using daily balance method. $10.00 monthly fee if average daily balance is below $1,000.
0.64% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Performance Plus Balance APY Up to $9,999 0.65% $10,000 – $24,999Your amount 0.70% $25,000 – $49,999 0.75% $50,000 – $99,999 0.80% $100,000 – $199,999 0.85% $200,000 – $499,999 0.90% $500,000 and up 1.00% Rate checked
More details - Truity Credit UnionPerformance PlusPerformance Plus · $1,000 min · 0.65%–1.00% by balance
Credit union · 2 branches
0.70%APY$70 a year on $10,000Requirements
Product: Balances calculated using the daily balance method. Free transfers/withdrawals limited to six per calendar month or statement cycle. $10.00 excessive draft fee per draft.
Offer: $10.00 monthly service charge fee if average daily balance is below $1,000. Tiered dividends. Compounded and credited monthly.
0.64% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Performance Plus Balance APY Up to $9,999 0.65% $10,000 – $24,999Your amount 0.70% $25,000 – $49,999 0.75% $50,000 – $99,999 0.80% $100,000 – $199,999 0.85% $200,000 – $499,999 0.90% $500,000 and up 1.00% Rate checked
More details - Coastal Community Federal Credit UnionHigh-Tide Checking (Money Market)High-Tide Checking (Money Market) · $2,500 min · 0.68%–1.66% by balance
Credit union · 1 branch
0.68%APY$68 a year on $10,000Requirements
Product: There may be a penalty for early withdrawal or not maintaining a minimum balance. Dividends credited monthly.
Offer: Monthly dividend period; day in/day out term. There may be a penalty for early withdrawal or not maintaining a minimum balance.
0.68% interest rate · Effective Jul 21, 2026
Rate by balance
Rate by balance for High-Tide Checking (Money Market) Balance APY $2,500 – $24,999Your amount 0.68% $25,000 – $99,999 1.36% $100,000 and up 1.66% Rate checked
More details - Texas Gulf BankPersonal Money Market AccountPersonal Money Market Account · $500 min · 0.65%–1.76% by balance
Bank · 3 branches
0.65%APY$65 a year on $10,000Requirements
Product: Pays on the entire daily balance in the account the stated interest rate and APY that corresponds to the applicable deposit tier. Fees may reduce earnings. The interest rates may change after the account is opened. Non-time accounts closed within 30 days of opening will be assessed a $15.00 fee each.
0.65% interest rate · Effective Oct 12, 2026
Rate by balance
Rate by balance for Personal Money Market Account Balance APY Up to $40,000Your amount 0.65% $40,000 – $100,000 0.75% $100,000 – $500,000 0.95% $500,000 – $1,000,000 1.51% $1,000,000 and up 1.76% Rate checked
More details - Members Trust Federal Credit UnionSuper Saver Money MarketSuper Saver Money Market · $0 min · 0.00%–1.76% by balance
Credit union · 1 branch
0.65%APY$65 a year on $10,000Requirements
Product: Rates as of 10/06/2026. Monthly service charge of $5.00 applies if balance is less than $500 at end of cycle.
Offer: Balance less than $500.00.
0.00% interest rate · $5 monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Super Saver Money Market Balance APY Up to $500 0.00% $500 – $25,000Your amount 0.65% $25,000 – $50,000 0.70% $50,000 – $100,000 0.90% $100,000 – $200,000 1.06% $200,000 – $5,000,000 1.21% $5,000,000 and up 1.76% Rate checked
More details - 0.60%APY$60 a year on $10,000
0.60% interest rate
Rate checked
More details - Essential Credit UnionMoney Market AccountMoney Market Account · $1,000 min · 0.40%–3.60% by balance
Credit union · 1 branch
0.60%APY$60 a year on $10,000Requirements
Product: Tiered rate account; once a particular balance range is met, the dividend rate and APY for that balance range apply to the full balance of the account. Dividends compounded monthly and credited monthly (calendar). Average Daily Balance method used to calculate dividends. Minimum opening deposit of $1,000.00. Minimum balance to avoid a service fee and earn the stated APY is $1,000.00. Requires membership share of $5.00.
0.40% interest rate · Compounded monthly · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $10,000 0.40% $10,000 – $25,000Your amount 0.60% $25,000 – $50,000 1.00% $50,000 – $349,999 1.10% $350,000 and up 3.60% Rate checked
More details - Premier America Credit UnionMoney Market AccountMoney Market Account · $5 min · 0.30%–1.10% by balance
Credit union · 1 branch
0.55%APY$55 a year on $10,000Requirements
Product: Tiered-rate money market savings account. Up to six withdrawals per month. Rates subject to change. Membership subject to approval.
Offer: Minimum required to earn any dividend is $0.01.
0.29% interest rate · No monthly fee · Effective Sep 16, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.30% $2,500 – $25,000Your amount 0.55% $25,000 – $50,000 0.65% $50,000 – $100,000 0.75% $100,000 – $250,000 1.00% $250,000 – $500,000 1.05% $500,000 and up 1.10% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: A minimum of $26 is required to join and maintain full membership benefits. Rates are credited quarterly on average daily balance of $100 or more.
Offer: Rates credited quarterly on average daily balance of $100 or more.
Rate checked
More details - Members Trust Federal Credit UnionPremier SavingsSavings · 0.00%–1.00% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Rates for July, August, and September 2026. APY and APR are subject to change; fees may reduce potential earnings.
Offer: Applies to balances < $500.00.
0.00% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for Premier Savings Balance APY Up to $500 0.00% $500 – $25,000Your amount 0.50% $25,000 – $50,000 0.60% $50,000 – $100,000 0.75% $100,000 – $200,000 0.90% $200,000 and up 1.00% Rate checked
More details - Zions BankPremier Money MarketPremier Money Market · $0 min · 0.00%–1.51% by balance
Bank · 22 branches
0.50%APY$50 a year on $10,000with conditionsRequirements
Product: Exclusively for Premier and Premier Elite clients. Tiered variable interest rates calculated using the daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Apply in person.
Offer: Standard tier for Premier/Premier Elite clients. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.00% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY Up to $5,000 0.00% $5,000 – $100,000Your amountEnhanced/Relationship tier for Premier/Premier Elite clients. 0.50% $100,000 – $250,000Enhanced/Relationship tier for Premier/Premier Elite clients. 0.85% $250,000 – $500,000Enhanced/Relationship tier for Premier/Premier Elite clients. 1.16% $500,000 – $1,000,000Enhanced/Relationship tier for Premier/Premier Elite clients. 1.41% $1,000,000 and upEnhanced/Relationship tier for Premier/Premier Elite clients. 1.51% Rate checked
More details - Smart Financial Credit UnionPersonal Money Market AccountPersonal Money Market Account · $2,500 min · 0.20%–1.50% by balance
Credit union · 7 branches
0.50%APY$50 a year on $10,000Requirements
Product: Minimum opening deposit of $2,500. Monthly service fee of $10 is waived if maintaining a $2,500 minimum daily/average daily balance. If balance falls below $2,500, the interest rate defaults to the checking account rate for that month.
Offer: No monthly service fee when maintaining a $2,500 daily balance; if balance falls below $2,500, interest defaults to checking rate.
0.20% interest rate · $10 monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Personal Money Market Account Balance APY Up to $2,500 0.20% $2,500 – $10,000 0.25% $10,000 – $25,000Your amountMonthly service fee waived when maintaining a $2,500 daily balance. 0.50% $25,000 – $50,000Monthly service fee waived when maintaining a $2,500 daily balance. 0.75% $50,000 – $100,000Monthly service fee waived when maintaining a $2,500 daily balance. 1.00% $100,000 and upMonthly service fee waived when maintaining a $2,500 daily balance. 1.50% Rate checked
More details - Openland Credit UnionMembers Advantage Money Market AccountMembers Advantage Money Market Account · $2,500 min · 0.20%–0.80% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: $2,500.00 Minimum Balance to open. Dividends paid monthly. Service Fee applies if balance drops below minimum.
Effective Oct 1, 2026
Rate by balance
Rate by balance for Members Advantage Money Market Account Balance APY $2,500 – $10,000 0.20% $10,000 – $25,000Your amount 0.50% $25,000 – $100,000 0.60% $100,000 – $350,000 0.70% $350,000 and up 0.80% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Credit Human membership begins with an account designed to get you saving. All it takes is a $5 deposit to get started and maintain ownership share. Four free withdrawals per month, $2 fee per withdrawal after that; unlimited free withdrawals with balance of $1,500 or more.
Offer: Dividends paid quarterly on daily balances of $100 or more.
0.50% interest rate · No monthly fee · Effective Oct 2, 2026
Rate checked
More details - Energy One Federal Credit UnionPremier One Money MarketPremier One Money Market · $5,000 min · 0.50%–2.00% by balance
Credit union · 2 branches
0.50%APY$50 a year on $10,000Requirements
Product: Designed for higher balances with top dividend tiers. Monthly dividend compounding. Limited to six withdrawals per month.
Offer: Tier 1
Effective Jun 9, 2026
Rate by balance
Rate by balance for Premier One Money Market Balance APY $5,000 and upYour amount 0.50% $20,000 and upTier 2 0.60% $30,000 and upTier 3 0.75% $50,000 and upTier 4 0.80% $100,000 and upTier 5 1.00% $250,000 and upTier 6 2.00% 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 Houston, TX
241 accounts at 93 banks and credit unions · checked Oct 15–22
- Typical
- 0.20%
- Top 10% from
- 2.35%
- Banks, typical
- 0.25%
- Credit unions, typical
- 0.20%
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Houston, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Harris County Federal Credit UnionCredit union · 1 branch
- Nizari Credit UnionCredit union · 2 branches
- Cornerstone Capital BankBank · 1 branch