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 226–240 results in Texas
- 1.00%APY$100 a year on $10,000
Requirements
Product: Interest on all savings accounts will be compounded and credited monthly. The interest rate and annual percentage yield may change at any time without notice at bank discretion. $15 monthly service charge waived if average daily balance is $2,500 or more.
Offer: $15 monthly service charge if average daily balance falls below $2,500.
1.00% interest rate · $15 monthly fee
Rate checked
More details - Woodforest National BankEmerald Elite AccountEmerald Elite Account · $25 min · 1.00%–3.00% by balance
Bank · 213 branches
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 - Dallas U.P. Employees CURegular Share AccountSavings · $100 min · 0.50%–4.55% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: The par value of each share is $25.00 and this is the minimum balance to maintain membership. Dividends compounded daily, credited quarterly. Members allowed up to 3 withdrawals per calendar month at no charge ($5.00 per excess withdrawal).
Offer: Share balances below $100 do not accrue dividends. Stated as Dividend Rate (APR) 0.50%, APY 0.50%.
0.50% interest rate · Compounded daily · Effective Jul 1, 2025
Rate by balance
Rate by balance for Regular Share Account Balance APY $100 and up 0.50% $10,000 and upYour amountStated as Dividend Rate (APR) 1.00%, APY 1.00%. 1.00% $20,000 and upStated as Dividend Rate (APR) 3.00%, APY 3.02%. 3.02% $100,000 and upStated as Dividend Rate (APR) 4.00%, APY 4.04%. 4.04% $200,000 and upStated as Dividend Rate (APR) 4.50%, APY 4.55%. 4.55% Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Offer: As high as 1.00% APY
Rate checked
More details - Members Credit UnionMoney MarketMoney Market · $2,500 min · 0.00%–1.00% by balance
Credit union · 2 branches
1.00%APY$100 a year on $10,000Requirements
Product: Minimum opening balance of $2,500. Five tiers of earning power. No account fee. Six free withdrawals per quarter. Must maintain disclosed minimum average daily balance in account during dividend period to obtain disclosed APY.
Offer: Compounding/Posted Monthly/Monthly. Must maintain minimum average daily balance.
0.00% interest rate · No monthly fee · Effective Aug 27, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,499 0.00% $2,500 – $9,999 1.00% $10,000 – $24,999Your amount 1.00% $25,000 – $49,999 1.00% $50,000 – $99,999 1.00% $100,000 and up 1.00% Rate checked
More details - COSDEN FCUMoney Market AccountsMoney Market Accounts · $2,500 min · 0.65%–1.00% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Dividends are compounded and credited monthly based on the average daily balance. If closed before dividends are paid, accrued dividends are not received.
0.65% interest rate · Effective Sep 1, 2023
Rate by balance
Rate by balance for Money Market Accounts Balance APY Up to $2,500 0.65% $2,500 and upYour amount 1.00% Rate checked
More details - 1.00%APY$100 a year on $10,000with conditions
Requirements
Product: Links to free Earn Well or Spend Well checking. Limit 1 account per social security number. Base rate applies if qualifications are not met during Monthly Qualification Cycle (12 debit card purchases post and settle, 1 ACH/direct deposit/bill pay transaction post and settle, and eStatements enrollment).
Offer: Qualifications met in linked Earn Well or Spend Well checking account during Monthly Qualification Cycle.
Qualified rate · 0.99% interest rate · No monthly fee · Effective Nov 3, 2016
Rate by balance
Rate by balance for Save Well Balance APY Up to $25,000Your amount 1.00% $25,000 and up 0.25% Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Offer: Monthly Dividends. Rates subject to change without prior notice. APY rates rounded to nearest hundredth place.
1.00% interest rate · Effective Oct 1, 2024
Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: Regular Shares Savings Account required for all CCCU accounts. Free savings account that pays quarterly dividends. No minimum balance to keep. $5.00 minimum opening deposit for regular share account.
Offer: Balances up to $25,000
No monthly fee
Rate by balance
Rate by balance for Ultimate Savings Balance APY Up to $25,000Your amount 1.00% $25,000 and up 0.20% Rate checked
More details - Texas Heritage National BankMoney Market Checking AccountMoney Market Checking Account · $2,500 min
Bank · 6 branches
1.00%APY$100 a year on $10,000Requirements
Product: Interest begins accruing on balances over $2,500. $5 monthly fee waived with a $2,500 daily balance. Includes 6 debit transactions per cycle and unlimited in-branch/lobby transactions.
Offer: Interest begins accruing on balances over $2500. Interest is compounded and paid monthly. $5 monthly fee is waived by maintaining a $2,500 daily balance.
1.00% interest rate · $5 monthly fee
Rate checked
More details - Mount Olive Baptist Church Federal Credit UnionPrimary AccountSavings · $25 min · 0.10%–1.00% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Requires a $5.00 lifetime membership fee and a minimum deposit of $25.00. No monthly service charges with the low minimum balance.
Offer: Dividends calculated by the average daily balance method and paid quarterly. Applies to balance less than $1,000.
No monthly fee · Effective Mar 31, 2025
Rate by balance
Rate by balance for Primary Account Balance APY Any balance 0.10% $1,000 and upYour amount 1.00% Rate checked
More details - 1.00%APY$100 a year on $10,000
Rate checked
More details - 0.95%APY$95 a year on $10,000
Requirements
Product: The monthly fee is $2, waived for minors (under 18) or with a $200 minimum balance. Interest paid quarterly on collected balances.
Offer: Applies to all daily balances. The monthly fee is $2, waived for minors (under 18) or with a $200 minimum balance.
0.95% interest rate · $2 monthly fee · Effective Sep 30, 2026
Rate checked
More details - 0.95%APY$95 a year on $10,000intro rate
Requirements
Product: Savings rates declared quarterly. Initial $5 deposit required to become and remain a member/shareholder. Transaction limitations may apply.
Offer: Rates declared quarterly, current rates shown effective through September 30, 2026. Dividends compounded quarterly. $5 minimum balance.
Promotional rate · 0.95% interest rate · Compounded quarterly
Rate checked
More details - TruWest Credit UnionMoney Market AccountMoney Market Account · $10,000 min · 0.10%–2.00% by balance
Credit union · 3 branches
0.90%APY$90 a year on $10,000Requirements
Product: Must be a TruWest member with a minimum $5 balance in Share Savings required to be eligible for services. Additional opening deposit of $10,000 for Money Market. No minimum balance required after opening. No monthly service fee.
No monthly fee · Effective Sep 23, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $9,999 0.10% $10,000 – $24,999Your amount 0.90% $25,000 – $49,999 1.00% $50,000 – $99,999 1.35% $100,000 – $249,999 1.65% $250,000 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%
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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