Compare Bank & Credit Union Rates
Best savings rates in Richardson, 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 Richardson, TX
- 3.75%APY$375 a year on $10,000
Requirements
Offer: Maintain a $300 minimum daily balance to avoid the $5.00 monthly maintenance fee. Rate may change after account is opened. If account is closed prior to end of the statement cycle, interest will not be paid for that statement cycle.
3.70% interest rate · $5 monthly fee · Effective Oct 6, 2026
Rate checked
More details - Texans Credit UnionMy Texans SavingsSavings · $5 min · 0.01%–3.50% by balance
Credit union · 1 branch
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 · 2 branches
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 - 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 - Neighborhood Credit UnionHigh Yield SavingsSavings · $100 min · 0.00%–2.75% by balance
Credit union · 1 branch
2.75%APY$275 a year on $10,000Requirements
Product: 3 free withdrawals per month/statement cycle; excess withdrawals incur a fee. Minimum $100 deposit to open; minimum balance of $10,000 required to earn 2.75% APY. Balances under $10,000 earn 0.00% APY.
Offer: Balances under $10,000 earn 0.00% APY.
0.00% interest rate · Effective Oct 1, 2025
Rate by balance
Rate by balance for High Yield Savings Balance APY Up to $10,000 0.00% $10,000 and upYour amount 2.75% 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 - Texans Credit UnionPerformance Money Market AccountPerformance Money Market Account · $500 min · 1.25%–3.50% by balance
Credit union · 1 branch
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 - Credit Union of TexasRegular Money MarketRegular Money Market · $2,000 min · 1.00%–1.50% by balance
Credit union · 2 branches
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 · 1 branch
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 - Frost BankFrost Money Market AccountFrost Money Market Account · $50 min · 0.90%–2.85% by balance
Bank · 1 branch
0.90%APY$90 a year on $10,000Requirements
Product: $0 Monthly Service Charge if you maintain a $15,000 minimum daily balance or if you own a Frost Premium Account; otherwise $15 monthly service charge.
Offer: $0 Monthly Service Charge if you maintain a $15,000 minimum daily balance or own a Frost Premium Account.
0.90% interest rate · $15 monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Frost Money Market Account Balance APY Up to $25,000Your amount 0.90% $25,000 – $50,000 1.00% $50,000 – $100,000 1.15% $100,000 – $250,000 2.15% $250,000 – $1,000,000 2.30% $1,000,000 – $2,500,000 2.35% $2,500,000 – $10,000,000 2.50% $10,000,000 – $20,000,000 2.65% $20,000,000 and up 2.85% Rate checked
More details - BOK FinancialPremier Money MarketPremier Money Market · $50 min · 0.15%–2.50% by balance
Bank · 1 branch
0.75%APY$75 a year on $10,000Requirements
Product: $15 monthly maintenance fee waived by maintaining $10,000 average collected balance for the month. $50 opening deposit required. Earn 0.05% higher interest rate with a Premier or Select Checking account relationship. Free incoming domestic wires and check writing privileges.
0.15% interest rate · $15 monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY Up to $10,000 0.15% $10,000 – $25,000Your amount 0.75% $25,000 – $50,000 2.00% $50,000 – $100,000 2.25% $100,000 – $250,000 2.50% $250,000 and up 2.50% Rate checked
More details - One World BankRocket 88 Personal Money MarketRocket 88 Personal Money Market · $5,000 min · 0.10%–3.75% by balance
Bank · 1 branch
0.75%APY$75 a year on $10,000Requirements
Product: $5,000 minimum opening deposit required. Maintain a $5,000 minimum daily balance to avoid the $20.00 maintenance fee. Variable rate determined daily at bank's discretion.
0.10% interest rate · $20 monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Rocket 88 Personal Money Market Balance APY Up to $5,000 0.10% $5,000 – $25,000Your amount 0.75% $25,000 – $100,000 1.75% $100,000 and up 3.75% Rate checked
More details - 0.50%APY$50 a year on $10,000with conditions
Requirements
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
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 Richardson, TX
60 accounts at 18 banks and credit unions · checked Oct 6–22
- Typical
- 0.10%
- Top 10% from
- 2.78%
- Banks, typical
- 0.06%
- Credit unions, typical
- 0.10%
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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