Compare Bank & Credit Union Rates
Best savings rates in Katy, TX
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 91–105 results in Katy, TX
- FAA Federal Credit UnionMoney Market SavingsMoney Market Savings · $2,500 min · 0.50%–0.80% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Account is closed if balance drops below $2,500. Rates are variable and may change after opening.
0.50% interest rate · No monthly fee · Effective Jan 2, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY $2,500 – $49,999Your amount 0.50% $50,000 – $99,999 0.65% $100,000 and up 0.80% Rate checked
More details - Energy Capital Credit UnionHigh-Yield SavingsSavings · $5 min · 0.24%–1.49% by balance
Credit union · 2 branches
0.49%APY$49 a year on $10,000with conditionsRequirements
Product: Dividends accrue daily and compound monthly based on average daily balance. Higher APY tiers apply when paired with an ECCU checking account. Minimum opening deposit is $5.
Offer: Without checking account.
Qualified rate · No monthly fee · Effective Jul 1, 2026
Rate by balance
Rate by balance for High-Yield Savings Balance APY Up to $9,999 0.24% $10,000 – $24,999Your amount 0.49% $25,000 – $49,999 0.74% $50,000 – $249,999 0.99% $250,000 – $499,999 1.24% $500,000 – $99,999,999,999 1.49% Rate checked
More details - Advancial Federal Credit UnionMoney MarketMoney Market · $2,500 min · 0.46%–0.56% by balance
Credit union · 3 branches
0.46%APY$46 a year on $10,000Requirements
Product: Advancial membership required (minimum $5 membership share deposit). No monthly service fee. Minimum opening deposit of $2,500. Minimum daily balance of $2,500 is required to earn dividends.
Offer: Minimum opening deposit of $2,500. Earn dividends on balances greater than or equal to $2,500.
0.46% interest rate · No monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 and upYour amount 0.46% $25,000 and up 0.51% $50,000 and up 0.56% Rate checked
More details - 0.45%APY$45 a year on $10,000
Requirements
Product: Interest compounded and credited quarterly. Transfers to third parties by check, POS, or TGB online are prohibited. $5.00 Debit Fee charged for each debit in excess of 5 per month.
Offer: $3 monthly service charge per month of the quarterly statement cycle if average daily balance falls below $200.00.
0.45% interest rate · $3 monthly fee · Effective Oct 12, 2026
Rate checked
More details - Zions BankMoney Market AccountMoney Market Account · $0 min · 0.00%–1.36% by balance
Bank · 22 branches
0.45%APY$45 a year on $10,000with conditionsRequirements
Product: Tiered interest rate calculated using daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Monthly service fee applies if minimum daily balance requirement is not met. Gold Account relationship offers premium rate tiers automatically when linked.
Offer: Standard tier. 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 Money Market Account Balance APY Up to $1,000 0.00% $1,000 – $100,000Your amountRelationship rate tier (e.g., Gold Account relationship). 0.45% $100,000 – $250,000Relationship rate tier (e.g., Gold Account relationship). 0.75% $250,000 – $500,000 0.75% $500,000 – $1,000,000 0.85% $1,000,000 and upRelationship rate tier (e.g., Gold Account relationship). 1.36% Rate checked
More details - Zions BankPremier Money MarketPremier Money Market · $5,000 min · 0.45%–1.46% by balance
Bank · 22 branches
0.45%APY$45 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 · 0.45% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY $5,000 – $100,000Your amount 0.45% $100,000 – $250,000 0.80% $250,000 – $500,000 1.06% $500,000 – $1,000,000 1.36% $1,000,000 and up 1.46% Rate checked
More details - Brentwood Baptist Federal Credit UnionShare (Savings) AccountSavings · $100 min · 0.05%–0.50% by balance
Credit union · 1 branch
0.45%APY$45 a year on $10,000Requirements
Product: $5.00 joining fee plus a minimum $25.00 share balance must be maintained. Rates may change after account is opened. Required for membership.
0.05% interest rate · Effective Aug 1, 2018
Rate by balance
Rate by balance for Share (Savings) Account Balance APY $100 – $3,000 0.05% $3,000 – $6,000 0.25% $6,000 – $10,000Your amount 0.45% Over $10,000 0.50% Rate checked
More details - 0.40%APY$40 a year on $10,000
Requirements
Product: A $10 monthly maintenance fee applies if the daily balance falls below the $2,500 minimum balance requirement at any time during the month.
Offer: A $10 monthly maintenance fee applies if daily balance falls below $2,500 at any time during the month.
0.02% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,500 0.02% $2,500 – $10,000 0.25% $10,000 – $25,000Your amount 0.40% $25,000 – $50,000 0.60% $50,000 – $100,000 0.80% $100,000 – $250,000 1.00% $250,000 and up 1.25% Rate checked
More details - 0.40%APY$40 a year on $10,000
Requirements
Product: Maintain average daily balance of $300 or more to avoid a $3 Monthly Minimum Balance Fee. Withdrawals or transfers limited to two per month without charge; additional withdrawals incur a $2 Excess Debit Fee. Interest is paid on the Daily Ledger Balance.
Offer: Daily balance less than $2,500 to obtain APY. Monthly fee waived with average daily balance of $300 or more.
0.20% interest rate · $3 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Regular Savings Account Balance APY Up to $2,500 0.20% $2,500 – $10,000 0.30% $10,000 – $25,000Your amount 0.40% $25,000 – $50,000 0.60% $50,000 – $100,000 0.90% $100,000 – $250,000 1.26% $250,000 and up 1.41% Rate checked
More details - Light Commerce Credit UnionSpecial ShareSavings · $100 min · 0.28%–0.40% by balance
Credit union · 1 branch
0.40%APY$40 a year on $10,000Requirements
Product: Minimum opening deposit of $25.00. Minimum daily balance of $100.00 required to avoid a service fee and to earn the stated APY. Tiered rate account where the dividend rate and APY for the met balance range apply to the full balance. Account transfer and withdrawal limitations apply.
Offer: Tier 1: Daily balance of $100.00 to $9,999.99 earns 0.28% dividend rate and 0.28% APY. Whole balance applies once tier is met. Minimum daily balance of $100.00 to avoid a service fee.
0.28% interest rate · Effective Jan 1, 2026
Rate by balance
Rate by balance for Special Share Balance APY $100 – $10,000 0.28% $10,000 and upYour amount 0.40% Rate checked
More details - 5Point Credit UnionMoney Market AccountMoney Market Account · $0 min · 0.20%–1.25% by balance
Credit union · 1 branch
0.40%APY$40 a year on $10,000Requirements
Product: Enjoy a higher rate of return on your balance while keeping the flexibility to make unlimited in-person withdrawals and/or six other transactions monthly. Fees could reduce earnings on this account.
Offer: Fees could reduce earnings on this account.
0.20% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,000 0.20% $2,000 – $25,000Your amount 0.40% $25,000 – $50,000 0.50% $50,000 – $500,000 0.60% $500,000 and up 1.25% Rate checked
More details - Zions BankMoney Market AccountMoney Market Account · $1,000 min · 0.35%–0.95% by balance
Bank · 22 branches
0.35%APY$35 a year on $10,000with conditionsRequirements
Product: Tiered interest rate calculated using daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Monthly service fee applies if minimum daily balance requirement is not met. Gold Account relationship offers premium rate tiers automatically when linked.
Offer: Standard tier. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.35% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $100,000Your amount 0.35% $100,000 – $250,000 0.70% $1,000,000 and up 0.95% Rate checked
More details - 0.35%APY$35 a year on $10,000
0.35% interest rate
Rate checked
More details - BOK FinancialPersonal Money MarketPersonal Money Market · $50 min · 0.20%–0.35% by balance
Bank · 7 branches
0.30%APY$30 a year on $10,000Requirements
Product: $7.95 monthly maintenance fee waived by maintaining $1,000 average collected balance for the month. $50 opening deposit required.
0.20% interest rate · $7.95 monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Personal Money Market Balance APY Up to $10,000 0.20% $10,000 – $25,000Your amount 0.30% $25,000 and up 0.35% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Monthly minimum balance fee of $3.00 is waived if a balance of $200.00 or above is maintained each day in the statement period.
Offer: Tier Under $10,000. Monthly minimum balance fee of $3.00 if balance falls below $200.00 any day in the statement period.
$3 monthly fee · Effective Sep 25, 2026
Rate by balance
Rate by balance for Savings Account Balance APY Over $0 0.05% $10,000 and upYour amount 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What savings accounts pay in Katy, 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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
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