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 406–420 results in Texas
- 0.40%APY$40 a year on $10,000
Requirements
Product: Save for short or long-term goals. Free digital banking services including online banking, mobile banking with mobile deposit, eStatements, and telephone banking. 2 free withdrawals per month ($2 fee per withdrawal in excess thereafter). Sweeps cost $5 per transfer. Interest Rate is subject to change after account is opened.
Offer: $100 minimum daily balance required to avoid the $5 monthly fee. Interest Rate is subject to change after account is opened.
0.40% interest rate · $5 monthly fee
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 - El Monte Community Credit UnionMoney MarketMoney Market · $500 min · 0.20%–0.70% by balance
Credit union · 1 branch
0.40%APY$40 a year on $10,000Requirements
Product: In order to receive the dividends listed, you must carry the minimum that is required.
Offer: In order to receive the dividends listed, you must carry the minimum that is required.
0.20% interest rate
Rate by balance
Rate by balance for Money Market Balance APY $500 – $1,000 0.20% $1,000 – $10,000Your amount 0.40% $10,000 – $25,000 0.50% $25,000 – $50,000 0.60% Over $50,000 0.70% Rate checked
More details - Natural Resources Conservation Service FCUMoney Market AccountMoney Market Account · $2,500 min · 0.00%–0.66% by balance
Credit union · 1 branch
0.36%APY$36 a year on $10,000Requirements
Product: Dividends paid monthly. Four (4) free withdrawals a month. Free Online Banking. Free e-Statement.
0.00% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.00%* $2,500 – $25,000Your amount 0.36%* $25,000 – $50,000 0.51%* Over $50,000 0.66%* Rate checked
More details - GENCO Federal Credit UnionShare (savings) AccountSavings · $100 min · 0.25%–0.35% by balance
Credit union · 5 branches
0.35%APY$35 a year on $10,000Requirements
Product: Open with $5 minimum deposit/balance to establish membership. Up to 3 withdrawals per month. 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 - Community National Bank & Trust of TexasMy SavingsSavings · $25 min · 0.00%–0.35% by balance
Bank · 18 branches
0.35%APY$35 a year on $10,000Requirements
Product: $25 minimum opening deposit. No monthly service charge. Interest earned on all balances over $100. 6 free debits per statement cycle. Includes free online banking, mobile banking with mobile deposit, eStatements, and automatic transfers between accounts.
Offer: Below $100 minimum average balance to obtain APY. Fees could reduce earnings on these accounts. Interest Rate and APY may change after account opening.
0.00% interest rate · No monthly fee
Rate by balance
Rate by balance for My Savings Balance APY Up to $100 0.00% $100 and upYour amount 0.35% Rate checked
More details - Delta Community Credit UnionPersonal Money Market AccountPersonal Money Market Account · $1,000 min · 0.30%–2.15% by balance
Credit union · 1 branch
0.35%APY$35 a year on $10,000Requirements
Product: $5.00 opening and minimum balance required. Minimum balance to earn dividends is $1,000.00. No monthly fee. Free ATM card. No early withdrawal penalty.
Offer: Minimum balance to earn dividends is $1,000.00. No monthly fees.
0.30% interest rate · No monthly fee
Rate by balance
Rate by balance for Personal Money Market Account Balance APY $1,000 – $10,000 0.30% $10,000 – $25,000Your amount 0.35% $25,000 – $50,000 0.40% $50,000 – $100,000 0.70% $100,000 – $250,000 0.85% $250,000 – $500,000 1.00% $500,000 – $1,000,000 1.35% $1,000,000 and up 2.15% Rate checked
More details - Round Top State BankMoney Market FundMoney Market Fund · $2,500 min · 0.35%–0.55% by balance
Bank · 7 branches
0.35%APY$35 a year on $10,000Requirements
Product: Minimum daily balance of $2,500 required to avoid a $15.00 monthly maintenance charge and obtain APY as listed. Rates may change after account opening. Fees could reduce earnings.
Offer: Requires a minimum daily balance of $2,500 to avoid a $15.00 monthly maintenance fee and obtain the listed APY.
0.35% interest rate · $15 monthly fee · Effective Sep 18, 2026
Rate by balance
Rate by balance for Money Market Fund Balance APY $2,500 – $25,000Your amount 0.35% $25,000 – $50,000 0.45% $50,000 – $100,000 0.50% $100,000 and up 0.55% Rate checked
More details - A+ Federal Credit UnionTiered Money MarketTiered Money Market · $2,500 min · 0.35%–0.70% by balance
Credit union · 22 branches
0.35%APY$35 a year on $10,000Requirements
Product: Membership required. Insured by NCUA. $1 to open, no monthly fees, and no transfer or withdrawal limit. Minimum to earn dividends is $2,500. Dividends calculated by applying the highest rate based on the balance tier to the entire account balance (calculated by end of day balance, paid monthly). No checks for the Tiered Money Market. No Fiduciary, Guardianship, Association, or Business accounts allowed to open a Tiered Money Market. All accounts screened through ChexSystems.
Offer: Minimum balance to earn dividends is $2,500. Dividends calculated by applying the highest rate based on the balance tier to the entire account balance.
No monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Tiered Money Market Balance APY $2,500 – $25,000Your amount 0.35% $25,000 – $50,000 0.60% $50,000 – $100,000 0.60% $100,000 – $250,000 0.70% $250,000 and up 0.70% Rate checked
More details - 0.35%APY$35 a year on $10,000
Requirements
Product: A regular Savings Account with a $5.00 minimum balance establishes credit union membership. Dividends calculated and paid quarterly using the average daily balance method when balance meets or exceeds $50.
0.35% interest rate · Effective Oct 14, 2026
Rate checked
More details - Abilene Teachers Federal Credit UnionTraditional Savings AccountSavings · $5 min · 0.15%–0.35% by balance
Credit union · 4 branches
0.35%APY$35 a year on $10,000Requirements
Product: Establishes membership at ATFCU. Dividends accrue daily and are paid quarterly. No monthly or minimum balance fees. Overdraft transfer available from savings to checking with no fee.
Offer: Dividends accrue daily and are paid quarterly.
0.15% interest rate · No monthly fee
Rate by balance
Rate by balance for Traditional Savings Account Balance APY Up to $100 0.15% $100 – $1,000 0.25% $1,000 and upYour amount 0.35% Rate checked
More details - Zions BankMoney Market AccountMoney Market Account · $1,000 min · 0.35%–0.95% by balance
Bank · 77 branches
0.35%APY$35 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 · 0.35% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $100,000Your amount 0.35% $100,000 – $250,000 0.70% $1,000,000 and up 0.95% Rate checked
More details - Spring Hill State BankSavings Tier AccountSavings · $100 min · 0.25%–0.35% by balance
Bank · 2 branches
0.35%APY$35 a year on $10,000Requirements
Product: Interest is compounded daily and credited quarterly. The interest rate may be lowered only with 30 days prior notification. A service charge fee of $5.00 is charged every quarter if the balance falls below $100.00 any day of the quarter.
Offer: Applies to daily balances below $9,999.99. $5.00 quarterly fee if balance falls below $100.00 any day of the quarter.
0.25% interest rate · Compounded daily · Effective Oct 5, 2026
Rate by balance
Rate by balance for Savings Tier Account Balance APY Up to $10,000 0.25% $10,000 and upYour amount 0.35% 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
Carrot Score rates each institution on all its CD, savings, auto loan and credit card rates, not just the account shown. How we rank
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
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%
Is your bank paying you enough?
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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