Compare Bank & Credit Union Rates
Best savings rates in Lubbock, 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 Lubbock, TX
- UMB BankUMB Retail Money MarketUMB Retail Money Market · $0 min · 0.10%–3.71% by balance
Bank · 4 branches
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 - 3.50%APY$350 a year on $10,000
Requirements
Offer: Rate and APY may change after opening. Interest is compounded and credited quarterly. Up to 6 withdrawals per month allowed without service fees.
3.45% interest rate · No monthly fee · Effective Oct 6, 2026
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 - 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 - 2.65%APY$265 a year on $10,000with conditions
Requirements
Offer: Enhanced Rate. Must have a Momentum Max or Momentum Max Plus checking account with a minimum average daily balance of $50,000 is required to receive rate.
Qualified rate · 2.62% interest rate · Effective Oct 6, 2026
Rate checked
More details - Texas Tech Credit UnionMoney Market SavingsMoney Market Savings · $1,000 min · 2.25%–3.50% by balance
Credit union · 1 branch
2.25%APY$225 a year on $10,000Requirements
Product: Rates subject to change based on account balance criteria. Fees may reduce earnings.
2.23% interest rate · Effective Aug 17, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY $1,000 – $50,000Your amount 2.25% $50,000 – $100,000 2.50% $100,000 – $250,000 2.75% $250,000 – $500,000 3.00% $500,000 – $1,000,000 3.25% $1,000,000 and up 3.50% Rate checked
More details - 2.15%APY$215 a year on $10,000with conditions
Requirements
Offer: Core Rate. $100 min daily balance required to avoid a $5 monthly service fee. Rate may change after account is opened.
Qualified rate · 2.13% interest rate · Effective Oct 6, 2026
Rate checked
More details - First National Bank TexasMoney Market AccountMoney Market Account · $0 min · 0.02%–3.25% by balance
Bank · 3 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 - PlainsCapital BankPersonal Money MarketPersonal Money Market · $2,500 min · 1.66%–3.18% by balance
Bank · 8 branches
1.71%APY$171 a year on $10,000Requirements
Product: Rate may change after account is opened. $2,500 daily minimum balance required to earn APY and avoid $10 monthly service fee.
Offer: $2,500 daily minimum balance required to earn APY and avoid $10 monthly service fee.
1.65% interest rate · $10 monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Personal Money Market Balance APY $2,500 – $4,999 1.66% $5,000 – $24,999Your amount 1.71% $25,000 – $99,999 1.81% $100,000 – $499,999 1.92% $500,000 – $999,999 2.22% $1,000,000 – $1,999,999 2.38% $2,000,000 – $4,999,999 2.43% $5,000,000 – $7,499,999 2.78% $7,500,000 and up 3.18% Rate checked
More details - 1.55%APY$155 a year on $10,000
Requirements
Product: Competitive interest earnings on your entire balance. Avoid the $1 quarterly service fee by maintaining a $30 minimum daily average balance. $30 minimum deposit to open.
Offer: Avoid the $1 quarterly service fee by maintaining a $30 minimum daily average balance. Interest earnings on entire balance.
Effective Oct 2, 2026
Rate by balance
Rate by balance for Savings Account Balance APY Up to $9,999 1.40% $10,000 – $99,999Your amount 1.55% $100,000 – $999,999 2.15% $1,000,000 and up 3.15% Rate checked
More details - Amarillo National BankPersonal Money MarketPersonal Money Market · $1,000 min · 1.40%–3.15% by balance
Bank · 11 branches
1.40%APY$140 a year on $10,000Requirements
Product: Avoid a $4 monthly service fee by maintaining a $1,000 minimum daily average balance.
Offer: Avoid a $4 monthly service fee by maintaining a $1,000 minimum daily average balance.
$4 monthly fee · Effective Oct 2, 2026
Rate by balance
Rate by balance for Personal Money Market Balance APY $1,000 – $49,999Your amount 1.40% $50,000 – $99,999 1.55% $100,000 – $999,999 2.15% $1,000,000 and up 3.15% Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: No monthly service fees. Requires a $1 minimum balance. Dividends earned based on daily account balance and paid monthly. Federally insured by NCUA to at least $250,000. Mobile and online banking access included.
1.00% interest rate · No monthly fee · Effective Aug 17, 2026
Rate checked
More details - First United BankProsper Money MarketProsper Money Market · $5,000 min · 1.00%–1.10% by balance
Bank · 3 branches
1.00%APY$100 a year on $10,000Requirements
Product: Interest compounded and paid monthly based on daily balance. Monthly maintenance fee of $15 is charged monthly if daily balance requirement of $5,000 is not met. Limited to 6 debit items per month ($10 per additional debit item).
Offer: $15 monthly maintenance fee waived if minimum daily balance requirement of $5,000 is met.
1.00% interest rate · $15 monthly fee
Rate by balance
Rate by balance for Prosper Money Market Balance APY $5,000 – $25,000Your amount 1.00% $25,000 and up 1.10% Rate checked
More details - City BankMMDA Investment PersonalMMDA Investment Personal · $1,500 min · 0.00%–1.31% by balance
Bank · 7 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 - 0.80%APY$80 a year on $10,000
Requirements
Product: Interest compounded and paid monthly based on daily balance. Monthly maintenance fee of $10 is charged monthly if daily balance requirement of $1,500 is not met. Limited to 6 debit items per month ($10 per additional debit item).
Offer: Minimum daily balance to obtain APY is $1,500. $10 monthly maintenance fee waived if minimum daily balance requirement is met.
0.80% interest rate · $10 monthly fee
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 Lubbock, TX
38 accounts at 15 banks and credit unions · checked Oct 6–22
- Typical
- 0.50%
- Top 10% from
- 2.80%
- Banks, typical
- 0.41%
- Credit unions, typical
- 0.50%
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Lubbock, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Cornerstone Capital BankBank · 7 branches
- Complex Community Federal Credit UnionCredit union · 2 branches
- UMB BankBank · 7 branches