Compare Bank & Credit Union Rates
Best savings rates in Texas
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 151–165 results in Texas
- Amarillo National BankPersonal Money MarketPersonal Money Market · $1,000 min · 1.40%–3.15% by balance
Bank · 33 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 - Walker County Federal Credit UnionSuper Share SavingsSavings · $5,000 min · 0.25%–1.60% by balance
Credit union · 1 branch
1.40%APY$140 a year on $10,000Requirements
Product: A minimum initial deposit of $5,000.00 is required. Dividend rates increase at higher deposit plateaus. Funds may be withdrawn anytime without penalty. Dividends are compounded and paid quarterly.
Offer: Dividends compounded quarterly.
0.25% interest rate · Compounded quarterly · Effective Oct 3, 2025
Rate by balance
Rate by balance for Super Share Savings Balance APY $100 – $5,000 0.25% $5,000 – $25,000Your amount 1.40% $25,000 – $40,000 1.50% $40,000 and up 1.60% Rate checked
More details - 1.36%APY$136 a year on $10,000intro rate
Requirements
Product: Membership requires a minimum deposit of $25.00 into shares and a $5.00 membership fee. Membership is open to employees, retirees, and their immediate families of specified school systems. All share rates are subject to change monthly.
Offer: Dividend rate for September 2026.
Promotional rate · 1.20% interest rate · Effective Sep 16, 2026
Rate by balance
Rate by balance for Shares Balance APY $100 – $10,000 1.21% $10,000 – $25,000Your amount 1.36% $25,000 – $50,000 2.22% $50,000 and up 2.73% Rate checked
More details - 1.31%APY$131 a year on $10,000
Requirements
Product: A minimum balance of $50.00 in regular shares must be maintained to earn the stated Annual Percentage Rate and Annual Percentage Yield. The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.
Offer: Minimum balance of $50.00 must be maintained to earn the stated rate.
1.25% interest rate · Effective Jul 1, 2026
Rate by balance
Rate by balance for Share Accounts Balance APY Up to $5,000 1.26% $5,000 – $10,000Your amount 1.31% Over $10,000 1.36% Rate checked
More details - First Liberty BankPlatinum Money MarketPlatinum Money Market · $1,000 min · 1.30%–2.80% by balance
Bank · 2 branches
1.30%APY$130 a year on $10,000Requirements
Product: $1,000 minimum balance required to access tiered rates. A $12.00 service charge is assessed if average balance falls below $1,000.00.
Offer: If the average balance falls below $1,000.00, a $12.00 service charge will be assessed.
1.29% interest rate · $12 monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for Platinum Money Market Balance APY $1,000 – $25,000Your amount 1.30% $25,000 – $50,000 1.40% $50,000 – $100,000 1.75% $100,000 – $250,000 2.10% $250,000 – $500,000 2.20% $500,000 – $1,000,000 2.60% $1,000,000 and up 2.80% Rate checked
More details - First National Bank of AspermontMoney Market AccountMoney Market Account · $5,000 min · 0.00%–2.78% by balance
Bank · 1 branch
1.26%APY$126 a year on $10,000Requirements
Product: $15.00 service charge fee imposed every statement cycle if daily balance on any day of statement cycle falls below $5,000.00. Limited to 6 preauthorized/automatic transfers per statement cycle; $10.00 fee per excess transaction. Interest compounded and credited monthly.
Offer: Tier 1 rate for daily balances below $5,000.00. The interest rate listed in each tier will be paid on the entire balance in your account. Minimum daily balance of $5,000.00 required to obtain disclosed APY on interest-bearing tiers.
0.00% interest rate · $15 monthly fee · Effective Oct 30, 2025
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $5,000 0.00% $5,000 – $100,000Your amount 1.26% $100,000 – $250,000 1.76% $250,000 – $500,000 2.27% Over $500,000 2.78% Rate checked
More details - Spring Hill State BankMoney Market Tier AccountMoney Market Tier Account · $2,500 min · 0.25%–2.84% by balance
Bank · 2 branches
1.26%APY$126 a year on $10,000Requirements
Product: Rates and APY as of 10/05/2026. $2,500.00 minimum deposit to open. Fees may reduce earnings on the account. Rate may change after account opens.
Offer: Daily Balance to Avoid Imposition of Fees: Below $2,500.00.
0.25% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Tier Account Balance APY Up to $2,500 0.25% $2,500 – $100,000Your amount 1.26% $100,000 – $2,000,000 1.81% $2,000,000 and up 2.84% Rate checked
More details - 1.26%APY$126 a year on $10,000
Requirements
Product: Must apply in person at a KCNB location (online/electronic application submission not provided). Valid government-issued photo ID, Social Security Card, proof of residence, and opening deposit required to open.
Offer: Monthly maintenance fee of $8.00 waived if average balance per statement cycle is $1,500.00 or more. Minimum balance to obtain APY is $0.01. Interest compounded monthly using daily balance method. Variable rate; rate and APY may change after opening. Statement delivery: e-Statements at no charge, paper statements $2.00 per month. Debit limit of 6 debits per statement cycle ($2.00 fee per debit transaction in excess).
1.25% interest rate · Compounded monthly · $8 monthly fee · Effective Oct 1, 2026
Rate checked
More details - InvesTex Credit UnionMoney MarketMoney Market · $0 min · 0.00%–1.46% by balance
Credit union · 6 branches
1.26%APY$126 a year on $10,0000.00% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $5,000 0.00% $5,000 – $20,000Your amount 1.26% $20,000 and up 1.46% Rate checked
More details - Gulf Coast Educators Federal Credit UnionMoney MarketMoney Market · $2,500 min · 1.00%–2.02% by balance
Credit union · 9 branches
1.26%APY$126 a year on $10,000Requirements
Product: Minimum opening balance is $100. Minimum balance to earn dividends is $2,500. Up to 6 withdrawals or transfers permitted per month. Tiered rate account where the dividend rate and APY for the qualifying balance range apply to the full account balance. Dividend rates are determined monthly by the Board of Directors.
1.00% interest rate
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $10,000 1.00% $10,000 – $50,000Your amount 1.26% $50,000 – $100,000 1.51% $100,000 and up 2.02% Rate checked
More details - 1.26%APY$126 a year on $10,000
Requirements
Offer: Maintenance fee of $10.00 imposed every statement cycle if the balance falls below $1,500.00 any day of the monthly statement cycle. Minimum daily balance of $0.01 to obtain APY. Interest is compounded and credited monthly using daily balance method.
1.25% interest rate · $10 monthly fee · Effective Mar 31, 2026
Rate checked
More details - 1.26%APY$126 a year on $10,000
Requirements
Product: No minimum balance requirements. Access to all the benefits of membership at HPCU. Blended rate of tiered rate structure.
Offer: Compounded and paid monthly.
1.25% interest rate · Effective Apr 21, 2025
Rate checked
More details - ECU Credit UnionMoney SaversMoney Savers · $2,500 min · 0.75%–2.02% by balance
Credit union · 1 branch
1.26%APY$126 a year on $10,000Requirements
Product: Requires a minimum balance of $2,500.00 to open and earn interest. Monthly Service Fee: None. Withdrawals are limited; $2.00 transaction fee per withdrawal over 3 per month. Dividends compounded daily, paid monthly. If account is closed prior to the posting of accrued dividends no dividends will be paid. Dividends are based on Credit Union's earnings at the end of a dividend period. All rates are subject to change without notice.
Offer: Dividends compounded daily, paid monthly. Minimum Balance $2,500.00.
0.75% interest rate · Compounded daily · No monthly fee
Rate by balance
Rate by balance for Money Savers Balance APY $2,500 – $5,000 0.75% $5,000 – $10,000 1.01% $10,000 – $25,000Your amount 1.26% $25,000 – $50,000 1.51% $50,000 – $100,000 1.77% $100,000 and up 2.02% Rate checked
More details - ECU Credit UnionMoney Savers AccountSavings · $2,500 min · 0.75%–2.02% by balance
Credit union · 1 branch
1.26%APY$126 a year on $10,000Requirements
Product: Tiered interest rates compounded daily, paid monthly. Minimum balance $2,500.00. Fee of $2.00 per withdrawal over 3 per month. If account is closed prior to posting of accrued dividends, no dividends will be paid.
0.75% interest rate · Compounded daily · No monthly fee
Rate by balance
Rate by balance for Money Savers Account Balance APY $2,500 – $5,000 0.75% $5,000 – $10,000 1.01% $10,000 – $25,000Your amount 1.26% $25,000 – $50,000 1.51% $50,000 – $100,000 1.77% $100,000 and up 2.02% Rate checked
More details - WaFd BankHigh Yield Money MarketHigh Yield Money Market · $25 min · 1.25%–2.00% by balance
Bank · 5 branches
1.25%APY$125 a year on $10,000Requirements
Product: Promotion may be discontinued at any time. Not available for IRAs or business clients.
Offer: $1,000 minimum balance to avoid $10 monthly service charge.
1.24% interest rate · $10 monthly fee · Effective Oct 14, 2026
Rate by balance
Rate by balance for High Yield Money Market Balance APY Up to $89,999Your amount 1.25% $90,000 – $249,999 1.50% $250,000 – $499,999 1.60% $500,000 and up 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 Texas
964 accounts at 412 banks and credit unions · checked Oct 16–23
- Typical
- 0.25%
- Top 10% from
- 2.02%
- Banks, typical
- 0.35%
- Credit unions, typical
- 0.25%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
Texas
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Harris County Federal Credit UnionCredit union · 1 branch
- NAFT Federal Credit UnionCredit union · 3 branches
- Barksdale Federal Credit UnionCredit union · 2 branches