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 346–360 results in Texas
- 0.50%APY$50 a year on $10,000
Requirements
Product: Dividends compounded quarterly and credited quarterly using Average Daily Balance. A penalty is imposed for early withdrawal. Fees could reduce earnings.
Offer: Dividends compounded quarterly and credited quarterly using Average Daily Balance.
0.50% interest rate · Compounded quarterly · Effective Sep 28, 2026
Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Dividends compounded quarterly and credited quarterly using Average Daily Balance. A penalty is imposed for early withdrawal. Fees could reduce earnings.
Offer: Dividends compounded quarterly and credited quarterly using Average Daily Balance.
0.50% interest rate · Compounded quarterly · Effective Sep 28, 2026
Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Monthly service charge of $5 is waived with a $500 minimum daily balance or if the primary account holder is under the age of 25. Rate may change after account is opened.
Offer: Interest paid on any collected balance. Minimum daily balance of $25 to obtain APY. Monthly fee of $5 waived with $500 minimum daily balance or if primary account holder is under age 25. Rate may change after opening.
0.50% interest rate · $5 monthly fee · Effective Oct 1, 2026
Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Establishes membership with Cal-Com upon opening. Includes 3 free withdrawals per month. $1 monthly maintenance fee is avoided by maintaining a minimum daily balance of $5 or more. Can be used as Overdraft Coverage.
Offer: $1 monthly maintenance fee waived with $5 minimum daily balance.
0.50% interest rate · $1 monthly fee · Effective Sep 30, 2026
Rate checked
More details - Cal-Com Federal Credit UnionFree Kasasa SaverSavings · $25 min · 0.29%–0.50% by balance
Credit union · 3 branches
0.50%APY$50 a year on $10,000with conditionsRequirements
Product: Links to free Kasasa Cash or Kasasa Cash Back checking. Automatic transfers of Kasasa checking earnings. Establishes membership with Cal-Com.
Offer: Qualifying for Kasasa Cash or Kasasa Cash Back rewards: at least 12 debit card purchases, at least one direct deposit or ACH credit transaction of $500 or more each cycle, and enrolled in eStatements.
Qualified rate · No monthly fee
Rate by balance
Rate by balance for Free Kasasa Saver Balance APY Up to $20,000Your amount 0.50% Over $20,000 0.29% Rate checked
More details - City Federal Credit UnionSpecial SavingsSavings · $20 min · 0.05%–0.50% by balance
Credit union · 2 branches
0.50%APY$50 a year on $10,000Requirements
Product: Used to put away funds for a specific purchase, event, or expense.
Offer: Rates are variable and may change after account opening. Dividends are credited and compounded monthly.
Compounded monthly
Rate by balance
Rate by balance for Special Savings Balance APY Up to $2,500 0.05% $2,500 and upYour amount 0.50% Rate checked
More details - City Federal Credit UnionPrimary SavingsSavings · $20 min · 0.05%–0.50% by balance
Credit union · 2 branches
0.50%APY$50 a year on $10,000Requirements
Product: Opening a Primary Savings account establishes credit union membership and requires maintaining a $20 minimum balance requirement to remain a member.
Offer: Rates are variable and may change after account opening. Dividends are credited and compounded monthly.
Compounded monthly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Primary Savings Balance APY Up to $2,500 0.05% $2,500 and upYour amount 0.50% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Credit Human membership begins with an account designed to get you saving. All it takes is a $5 deposit to get started and maintain ownership share. Four free withdrawals per month, $2 fee per withdrawal after that; unlimited free withdrawals with balance of $1,500 or more.
Offer: Dividends paid quarterly on daily balances of $100 or more.
0.50% interest rate · No monthly fee · Effective Oct 2, 2026
Rate checked
More details - National Police FCUMoney Market AccountMoney Market Account · $500 min · 0.50%–1.26% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Dividends paid quarterly and reflected on statement. $15 monthly fee if average daily balance falls below $500.
Offer: Fee waived if average daily balance is $500 or higher.
0.50% interest rate · $15 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $500 – $24,999Your amount 0.50% $25,000 – $49,999 0.60% $50,000 and up 1.26% Rate checked
More details - Technology Credit UnionMoney Market Plus AccountsMoney Market Plus Accounts · $0 min · 0.00%–2.05% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000with conditionsRequirements
Product: $0.00 minimum balance to open account and $2,500.00 to earn dividends. $0.01 minimum balance to maintain account. For balances of $50,000 and up, receive a rate boost of 0.10% with a Tech CU Checking Account and direct deposit of a minimum net pay of $100. Direct deposit criteria waived with a private banking relationship.
Offer: $0.01 minimum balance to maintain account. $2,500.00 to earn dividends.
Qualified rate · 0.00% interest rate · Effective Sep 1, 2026
Rate by balance
Rate by balance for Money Market Plus Accounts Balance APY Up to $2,500 0.00% $2,500 – $25,000Your amount 0.50% $25,000 – $50,000 0.85% $50,000 – $100,000 1.00% $100,000 – $150,000Direct deposit criteria waived with a private banking relationship (minimum balance requirement of $50,000 still applies). 1.25% $150,000 – $300,000Direct deposit criteria waived with a private banking relationship (minimum balance requirement of $50,000 still applies). 1.50% $300,000 – $500,000Direct deposit criteria waived with a private banking relationship (minimum balance requirement of $50,000 still applies). 1.90% $500,000 – $1,000,000Direct deposit criteria waived with a private banking relationship (minimum balance requirement of $50,000 still applies). 1.95% $1,000,000 and upDirect deposit criteria waived with a private banking relationship (minimum balance requirement of $50,000 still applies). 2.05% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Available to MN, WI, IL, & TX residents only. Personal and UTMA accounts only; joint account holder age 18 or over required on minor accounts. One account per primary account holder per participating credit union. $25 minimum opening deposit and $25 minimum balance required. Earn prize-drawing entries for every $25 increase (up to 6 entries per month) for 12-month savings period.
Rate checked
More details - Bayer Heritage Federal Credit UnionHigh Yield SavingsSavings · 0.10%–10.00% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Dividends compounded daily and paid monthly. Can be opened and funded via mobile app or online banking using the 'Open New Share' feature, in branch, by phone, or message in mobile banking.
9.53% interest rate · Compounded daily · Effective Oct 1, 2026
Rate by balance
Rate by balance for High Yield Savings Balance APY Up to $1,000 10.00% $1,000 – $50,000Your amount 0.50% Over $50,000 0.10% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Tiered-rate savings account. $6.50 fee per quarterly cycle if daily balance falls below $100 on any day of cycle (waived with balance above $100 or Direct Deposit relationship). Unlimited withdrawals if daily balance stays at or above $500; if daily balance falls below $500, 3 free withdrawals per cycle, then $1.50 per additional withdrawal. $2 paper statement fee (waived with e-statements). $15 inactivity fee after 3 months inactivity. Minimum to open through mail is $200.
Offer: Tier One: Balances less than $5,000.00. Minimum balance to earn interest and obtain APY is $25. $5 minimum balance to open ($200 by mail).
0.30% interest rate
Rate by balance
Rate by balance for Savings Account Balance APY Up to $5,000 0.30% $5,000 – $50,000Your amount 0.50% $50,000 and up 0.70% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: No monthly service charge if a $2,500 minimum daily balance is maintained; if balance falls below $2,500, a $6.50 service charge applies. Unlimited withdrawals and transfers made in person or at an ATM.
Offer: Tier 1 rate paid on daily balances. $6.50 monthly service charge waived with a $2,500 minimum daily balance.
0.50% interest rate · $6.50 monthly fee · Effective Jan 1, 2025
Rate checked
More details - FAA Federal Credit UnionMoney Market SavingsMoney Market Savings · $2,500 min · 0.50%–0.80% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Account is closed if balance drops below $2,500. Rates are variable and may change after opening.
0.50% interest rate · No monthly fee · Effective Jan 2, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY $2,500 – $49,999Your amount 0.50% $50,000 – $99,999 0.65% $100,000 and up 0.80% 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
965 accounts at 411 banks and credit unions · checked Oct 22–23
- 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