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 376–390 results in Texas
- 0.50%APY$50 a year on $10,000
Requirements
Product: Interest is compounded and credited monthly. $10.00 fee per statement cycle if minimum daily balance falls below $1,500.00.
Offer: Compounded monthly. $10.00 fee waived with minimum daily balance of $1,500.00 or above per statement cycle.
0.50% interest rate · Compounded monthly · $10 monthly fee · Effective Dec 15, 2025
Rate checked
More details - Energy Capital Credit UnionHigh-Yield SavingsSavings · $5 min · 0.24%–1.49% by balance
Credit union · 4 branches
0.49%APY$49 a year on $10,000with conditionsRequirements
Product: Dividends accrue daily and compound monthly based on average daily balance. Higher APY tiers apply when paired with an ECCU checking account. Minimum opening deposit is $5. A $10 monthly fee applies to balances under $5,000 unless waived by having checking, direct deposit, or maintaining the minimum balance.
Offer: Without checking account. $10 fee waived if member has checking, direct deposit, or maintains minimum balance of $5,000.
Qualified rate · $10 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for High-Yield Savings Balance APY Up to $9,999 0.24% $10,000 – $24,999Your amount 0.49% $25,000 – $49,999 0.74% $50,000 – $249,999 0.99% $250,000 – $499,999 1.24% $500,000 – $1,000,000 1.49% Rate checked
More details - Advancial Federal Credit UnionMoney MarketMoney Market · $2,500 min · 0.46%–0.56% by balance
Credit union · 10 branches
0.46%APY$46 a year on $10,000Requirements
Product: Advancial membership required (minimum $5 membership share deposit). No monthly service fee. Minimum opening deposit of $2,500. Minimum daily balance of $2,500 is required to earn dividends.
Offer: Minimum opening deposit of $2,500. Earn dividends on balances greater than or equal to $2,500.
0.46% interest rate · No monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 and upYour amount 0.46% $25,000 and up 0.51% $50,000 and up 0.56% Rate checked
More details - 0.45%APY$45 a year on $10,000
Requirements
Product: Interest compounded and credited quarterly. Transfers to third parties by check, POS, or TGB online are prohibited. $5.00 Debit Fee charged for each debit in excess of 5 per month.
Offer: $3 monthly service charge per month of the quarterly statement cycle if average daily balance falls below $200.00.
0.45% interest rate · $3 monthly fee · Effective Oct 12, 2026
Rate checked
More details - Zions BankMoney Market AccountMoney Market Account · $0 min · 0.00%–1.36% by balance
Bank · 77 branches
0.45%APY$45 a year on $10,000with conditionsRequirements
Product: Tiered interest rate calculated using daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Monthly service fee applies if minimum daily balance requirement is not met. Gold Account relationship offers premium rate tiers automatically when linked.
Offer: Standard tier. 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 Money Market Account Balance APY Up to $1,000 0.00% $1,000 – $100,000Your amountRelationship rate tier (e.g., Gold Account relationship). 0.45% $100,000 – $250,000Relationship rate tier (e.g., Gold Account relationship). 0.75% $250,000 – $500,000 0.75% $500,000 – $1,000,000 0.85% $1,000,000 and upRelationship rate tier (e.g., Gold Account relationship). 1.36% Rate checked
More details - Zions BankPremier Money MarketPremier Money Market · $5,000 min · 0.45%–1.46% by balance
Bank · 77 branches
0.45%APY$45 a year on $10,000with conditionsRequirements
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 · 0.45% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY $5,000 – $100,000Your amount 0.45% $100,000 – $250,000 0.80% $250,000 – $500,000 1.06% $500,000 – $1,000,000 1.36% $1,000,000 and up 1.46% Rate checked
More details - LibertyOne Credit UnionShare SavingsSavings · $100 min · 0.25%–1.16% by balance
Credit union · 3 branches
0.45%APY$45 a year on $10,000Requirements
Product: Deposit of $25 plus a $1 membership fee required to become a member. Must maintain at least $25 to retain privileges. Dividends paid on average daily balances of at least $100.
0.25% interest rate · Effective 2026-09
Rate by balance
Rate by balance for Share Savings Balance APY $100 – $4,999 0.25% $5,000 – $24,999Your amount 0.45% $25,000 and up 1.16% Rate checked
More details - Brentwood Baptist Federal Credit UnionShare (Savings) AccountSavings · $100 min · 0.05%–0.50% by balance
Credit union · 1 branch
0.45%APY$45 a year on $10,000Requirements
Product: $5.00 joining fee plus a minimum $25.00 share balance must be maintained. Rates may change after account is opened. Required for membership.
0.05% interest rate · Effective Aug 1, 2018
Rate by balance
Rate by balance for Share (Savings) Account Balance APY $100 – $3,000 0.05% $3,000 – $6,000 0.25% $6,000 – $10,000Your amount 0.45% Over $10,000 0.50% Rate checked
More details - Texas Bridge Credit UnionMoney MarketMoney Market · $1,000 min · 0.45%–0.65% by balance
Credit union · 2 branches
0.45%APY$45 a year on $10,0000.45% interest rate · Effective Jul 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $1,000 and upYour amount 0.45% $50,000 and up 0.55% $100,000 and up 0.65% Rate checked
More details - 0.45%APY$45 a year on $10,000
Requirements
Product: Minimum opening balance of $5.00. Must maintain a minimum daily balance of $100.00 each day to obtain disclosed APYs. Tiered rates and APYs subject to average daily balances. Interest accrued and credited quarterly.
Offer: Must maintain a minimum daily balance of $100.00 each day to obtain APY. Interest accrued and credited quarterly.
0.45% interest rate · No monthly fee · Effective Jul 21, 2023
Rate by balance
Rate by balance for Regular Savings Balance APY $100 – $2,500 0.45% $2,500 – $25,000Your amount 0.45% $25,000 – $50,000 0.50% $50,000 – $100,000 0.50% $100,000 and up 0.55% Rate checked
More details - 0.42%APY$42 a year on $10,000
Requirements
Product: No balance fee requirement if account stays above $300; balance fee waived if under 18 or over 55. Interest rate and APY may change after account opening. Fees could reduce earnings.
Offer: Daily compounding. No balance fee requirement if account stays above $300; balance fee waived if under 18 or over 55.
0.12% interest rate
Rate by balance
Rate by balance for Statement Savings Balance APY Up to $2,499 0.12% $2,500 and upYour amount 0.42% Rate checked
More details - 0.40%APY$40 a year on $10,000
Requirements
Product: Limit of six transactions per month without penalty. $3 monthly service charge imposed quarterly if balance falls below $500 on any day of cycle. Printed and mailed statements fee of $3.00 per cycle.
Offer: $3 monthly service charge waived by maintaining a $500 minimum daily balance.
0.40% interest rate · $3 monthly fee · Effective Sep 1, 2025
Rate checked
More details - 0.40%APY$40 a year on $10,000
Requirements
Product: Maintain average daily balance of $300 or more to avoid a $3 Monthly Minimum Balance Fee. Withdrawals or transfers limited to two per month without charge; additional withdrawals incur a $2 Excess Debit Fee. Interest is paid on the Daily Ledger Balance.
Offer: Daily balance less than $2,500 to obtain APY. Monthly fee waived with average daily balance of $300 or more.
0.20% interest rate · $3 monthly fee · Effective Oct 23, 2026
Rate by balance
Rate by balance for Regular Savings Account Balance APY Up to $2,500 0.20% $2,500 – $10,000 0.30% $10,000 – $25,000Your amount 0.40% $25,000 – $50,000 0.60% $50,000 – $100,000 0.90% $100,000 – $250,000 1.26% $250,000 and up 1.41% Rate checked
More details - CoastLife Credit UnionPrime Investment AccountSavings · $1,500 min · 0.40%–0.60% by balance
Credit union · 9 branches
0.40%APY$40 a year on $10,0000.40% interest rate
Rate by balance
Rate by balance for Prime Investment Account Balance APY $1,500 – $25,000Your amount 0.40% $25,000 and up 0.60% Rate checked
More details - 0.40%APY$40 a year on $10,000
Requirements
Product: A $10 monthly maintenance fee applies if the daily balance falls below the $2,500 minimum balance requirement at any time during the month.
Offer: A $10 monthly maintenance fee applies if daily balance falls below $2,500 at any time during the month.
0.02% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,500 0.02% $2,500 – $10,000 0.25% $10,000 – $25,000Your amount 0.40% $25,000 – $50,000 0.60% $50,000 – $100,000 0.80% $100,000 – $250,000 1.00% $250,000 and up 1.25% 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 22–24
- 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