Compare Bank & Credit Union Rates
Best savings rates in Waco, TX
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 16–30 results in Waco, TX
- 0.40%APY$40 a year on $10,000
Requirements
Product: Opening a savings account is the first step to becoming a member of Educators Credit Union. Open this account with a $25 deposit. Minimum balance = $25. Interest paid quarterly. No monthly service fee.
Offer: Interest paid quarterly. Term in Days: 365.
0.40% interest rate · No monthly fee · Effective Sep 25, 2023
Rate checked
More details - MCLENNAN COUNTY EMPLOYEES FCUMoney Market AccountMoney Market Account · $1,000 min · 0.25%–0.60% by balance
Credit union · 1 branch
0.40%APY$40 a year on $10,000Requirements
Product: Paid monthly.
Offer: Average balances $1,000.00 to $2,499.99. Dividends paid monthly.
0.25% interest rate · Effective Oct 20, 2020
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $2,500 0.25% $5,000 – $50,000Your amount 0.40% $50,000 and up 0.60% Rate checked
More details - 0.35%APY$35 a year on $10,000
Requirements
Product: Establishes membership with First Central Credit Union. Minimum balance to maintain membership is $5.00 at all times. 4 free withdrawals per month; $3 fee for each monthly withdrawal over original 4.
Offer: Minimum balance to earn interest is $100.00. Interest is calculated, compounded, and paid quarterly on the daily balance (credited last day of March, June, September, and December).
0.35% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 0.35%APY$35 a year on $10,000
Requirements
Product: Special savings accounts designated for specific goals (such as Special Savings, Vacation, Wedding).
Offer: Minimum balance to earn interest is $100.00. No minimum balance requirements and no monthly service fee. Interest is calculated, compounded, and paid monthly on the daily balance (paid on the last day of the month).
0.35% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - GENCO Federal Credit UnionShare (Savings) AccountSavings · $100 min · 0.25%–0.35% by balance
Credit union · 1 branch
0.35%APY$35 a year on $10,000Requirements
Product: A deposit of $5 opens savings account and establishes membership. $5 minimum balance requirement. Dividends compounded and paid quarterly on balances of $100 or higher. Limit of up to 3 withdrawals per month.
Offer: Dividends compounded and paid quarterly on balances of $100 or higher.
0.25% interest rate
Rate by balance
Rate by balance for Share (Savings) Account Balance APY $100 – $2,500 0.25% $2,500 – $5,000 0.30% $5,000 and upYour amount 0.35% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Limit one Save First Account per membership. Save First Accounts not available on business memberships. Maximum balance is $30,000; deposits exceeding maximum are deposited into primary savings. Dividends are paid quarterly.
Offer: Standard rate applied if any withdrawals or transfers occur during the dividend quarter. Minimum daily balance to earn dividends is $0.01. Minimum to avoid service charge is $0.
Balance cap $30,000 · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Minimum balance of $5 stays on deposit for the life of the account as ownership in the Credit Union. New members pay a $5 lifetime membership fee. Dividends are paid quarterly.
Offer: Minimum daily balance to earn dividends is $100. Minimum to avoid service charge is $0.
No monthly fee · Effective Oct 1, 2026
Rate checked
More details - MCLENNAN COUNTY EMPLOYEES FCUShare (Savings) AccountSavings · $25 min · 0.15%–0.50% by balance
Credit union · 1 branch
0.30%APY$30 a year on $10,000Requirements
Product: A $5.00 membership fee is collected at joining. A minimum balance of $25.00 must be maintained in the account to earn dividends.
Offer: Dividends computed using average daily balance method, compounded and paid quarterly.
0.15% interest rate · Effective Oct 20, 2020
Rate by balance
Rate by balance for Share (Savings) Account Balance APY Up to $2,500 0.15% $5,000 – $50,000Your amount 0.30% $50,000 and up 0.50% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: $100 minimum average balance requirement. Up to 6 withdrawals per month. Variable rate accounts; interest compounded quarterly.
0.25% interest rate · Compounded quarterly
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Minimum $100 to open. Interest is compounded and credited monthly, balance computation method is daily balance. Maintenance fee of $3.00 imposed every statement cycle if balance falls below $100.00 any day of the monthly statement cycle.
Offer: Minimum daily balance to obtain APY is $0.01. Maintenance fee of $3.00 waived if balance stays at or above $100.00 each day of the statement cycle.
0.15% interest rate · $3 monthly fee · Effective Mar 31, 2026
Rate checked
More details - 1st University CUMoney MarketMoney Market · $2,500 min · 0.00%–0.50% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Requires membership with 1st University CU ($5.00 par value share). Minimum opening balance is $2,500. $10 monthly service fee waived by maintaining a $2,500 average daily balance. Maximum of 6 checks/transfers per month.
Offer: Dividends calculated on average daily balance and paid monthly. $10 monthly service fee if average daily balance is below $2,500. Minimum balance to earn APY is $1,500.
$10 monthly fee · Effective May 1, 2023
Rate by balance
Rate by balance for Money Market Balance APY $1,500 – $5,000 0.00% $5,000 – $40,000Your amount 0.10% $40,000 and up 0.50% Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.07%–0.08% by balance
Bank · 1 branch
0.07%APY$7 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit is $0 online or $25 at a branch. Monthly service charge of $12 waived with an average monthly balance of $5,000 or when linked to a select PNC checking account. Minimum to earn interest is $1.
Offer: PNC TotalRewards Platinum Tier Boost. Requires enrollment in Platinum Tier based on Average Eligible Balance of $500,000 or more.
Qualified rate · 0.07% interest rate · $12 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Premiere Money Market Account Balance APY Up to $10,000 0.07% $10,000 – $25,000Your amount 0.07% $25,000 – $50,000 0.07% $50,000 – $100,000 0.07% $100,000 – $250,000 0.08% $250,000 – $500,000 0.08% $500,000 – $1,000,000 0.08% $1,000,000 and up 0.08% Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.05%–0.07% by balance
Bank · 1 branch
0.06%APY$6 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit is $0 online or $25 at a branch. Monthly service charge of $12 waived with an average monthly balance of $5,000 or when linked to a select PNC checking account. Minimum to earn interest is $1.
Offer: PNC TotalRewards Gold Tier Boost. Requires enrollment in Gold Tier based on Average Eligible Balance of $100,000 to $499,999.99.
Qualified rate · 0.06% interest rate · $12 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Premiere Money Market Account Balance APY Up to $10,000 0.06% $10,000 – $25,000Your amount 0.06% $25,000 – $50,000 0.06% $50,000 – $100,000 0.06% $100,000 – $250,000 0.07% $250,000 – $500,000 0.07% $500,000 – $1,000,000Standard rate tier. Monthly fee waived if avg monthly balance >=$5,000 or linked to select PNC checking. Opening deposit $25 at branches; online opening minimum $0. 0.05% $1,000,000 and upStandard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account. 0.05% Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.01%–0.06% by balance
Bank · 2 branches
0.06%APY$6 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: Non-Relationship Promotional Rate; requires new money to Huntington (money not currently on deposit in any Huntington account except maturing consumer CDs). Rate applies to ZIP code 43215.
Qualified rate · 0.01% 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 0.01% $5,000 – $2,000,001Your amountStandard Rate with qualifying, open Private Client Account. 0.06% $2,000,001 – $100,000,000,000requires new money to Huntington. Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.01% Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.04%–0.05% by balance
Bank · 1 branch
0.05%APY$5 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit is $0 online or $25 at a branch. Monthly service charge of $12 waived with an average monthly balance of $5,000 or when linked to a select PNC checking account. Minimum to earn interest is $1.
Offer: PNC TotalRewards Silver Tier Boost. Requires enrollment in Silver Tier based on Average Eligible Balance of $25,000 to $99,999.99.
Qualified rate · 0.05% interest rate · $12 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Premiere Money Market Account Balance APY Up to $10,000 0.05% $10,000 – $25,000Your amount 0.05% $25,000 – $50,000 0.05% $50,000 – $100,000Standard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account. 0.04% $100,000 – $250,000Standard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account. 0.05% $250,000 – $500,000Standard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account. 0.05% $500,000 – $1,000,000Standard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account. 0.05% $1,000,000 and upStandard rate tier. Monthly fee waived if avg monthly balance >=$5,000 or linked to select PNC checking. Opening deposit $25 at branches; online opening minimum $0. 0.05% 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 Waco, TX
53 accounts at 18 banks and credit unions · checked Oct 16–22
- Typical
- 0.07%
- Top 10% from
- 1.95%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.35%
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Waco, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Texell Credit UnionCredit union · 1 branch
- GENCO Federal Credit UnionCredit union · 4 branches