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 421–435 results in Texas
- 0.35%APY$35 a year on $10,000
Requirements
Product: Must open account with $500 of new money (money not already deposited in Peoples Bank & Trust Co.). No broker deposits. All accounts required to be opened in person at a retail location. Variable rate may change after account is opened. $10 service charge avoided with $500 average balance per statement cycle.
Offer: Must open account with $500 of new money not already deposited in Peoples Bank & Trust Co. No broker deposits. Variable rate. Avoid $10 service charge with $500 avg. balance per statement cycle.
$10 monthly fee · Effective Jun 1, 2024
Rate checked
More details - 0.35%APY$35 a year on $10,000
0.35% interest rate
Rate checked
More details - NSPIRE FCUMoney Market AccountMoney Market Account · $2,500 min · 0.35%–0.55% by balance
Credit union · 2 branches
0.35%APY$35 a year on $10,000Requirements
Product: Money Market Accounts are limited to three (3) preauthorized plus three (3) transfers per calendar month, for a total of six (6) transactions. Dividends are paid monthly and calculated by the average daily balance method.
0.35% interest rate · Effective Jul 16, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $25,000Your amount 0.35% $25,000 – $50,000 0.45% $50,000 and up 0.55% Rate checked
More details - 0.35%APY$35 a year on $10,000
Requirements
Product: Minimum opening deposit of $5. Balances of $100 or more earn quarterly dividends. Compounded and credited quarterly. A $5.00 monthly maintenance fee applies if member has only one service, balance drops below $250 at any time during the month, and member is over age 25.
Offer: A minimum average daily balance of $100 is required to earn a dividend. Dividends are compounded quarterly and credited quarterly. Monthly maintenance fee of $5.00 applies if balance is less than $250 anytime during the month, account has only one service, and owner is over 25 years old. $10 fee per item for exceeding 6 withdrawal limits per month.
Compounded quarterly · $5 monthly fee · Effective Dec 19, 2025
Rate checked
More details - The People's Federal Credit UnionShare Savings AccountSavings · $25 min · 0.25%–0.50% by balance
Credit union · 5 branches
0.35%APY$35 a year on $10,000Requirements
Product: Must be a TPFCU member with a minimum $25 deposit. Earn an extra 0.10% dividend on regular share savings account when holding loans over $10,000. Dividends calculated on average daily balance and compounded and credited quarterly.
Offer: Minimum balance to earn APY is $25. Dividends compounded and credited quarterly.
0.25% interest rate · No monthly fee · Effective Jul 1, 2026
Rate by balance
Rate by balance for Share Savings Account Balance APY Up to $2,500 0.25% $2,500 – $5,000 0.25% $5,000 – $10,000Your amount 0.35% $10,000 – $50,000 0.40% Over $50,000 0.50% Rate checked
More details - Velocity Credit UnionMoney Market AccountMoney Market Account · $2,000 min · 0.35%–0.70% by balance
Credit union · 6 branches
0.35%APY$35 a year on $10,000Requirements
Product: Unlimited over-the-counter transactions; limited to six pre-authorized withdrawals or transfers each month (all can be by check). Dividends compounded daily and paid monthly. Rates set on the first day of each month. $10 monthly service fee avoided by keeping a minimum balance of $2,000.
Offer: Dividends calculated daily and paid monthly. Monthly fee waived with balance of $2,000 or greater.
Compounded daily · $10 monthly fee · Effective Apr 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,000 – $50,000Your amount 0.35% $50,000 – $90,000 0.60% $90,000 – $200,000 0.70% $200,000 and up 0.70% Rate checked
More details - 0.35%APY$35 a year on $10,000
Requirements
Product: All you need is a minimum deposit of $5.00 to open your account. Dividends are calculated and paid quarterly. Non-term share account dividends are declared at the end of each quarter and are subject to change without notice. Eastex offers share savings clubs: Lonestar (kids age 12 and under), Silver Club (50+ account), and iSave (teens and young adults age 13-22).
Offer: Balance < $10,000. Dividends are declared at the end of each quarter and subject to change without notice.
0.25% interest rate
Rate by balance
Rate by balance for Savings 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
0.35% interest rate · Effective Sep 1, 2023
Rate checked
More details - 0.35%APY$35 a year on $10,000
0.35% interest rate · Effective Sep 1, 2023
Rate checked
More details - Farmers Insurance Federal Credit UnionMoney Market with Direct DepositMoney Market with Direct Deposit · $1,000 min · 0.30%–0.50% by balance
Credit union · 1 branch
0.35%APY$35 a year on $10,000with conditionsRequirements
Product: Requires direct deposit in the amount of $1,000.00 or more monthly into FIGFCU Checking Account (either High Yield or CashBack), or bi-monthly deposits of $500 each. If qualifying DDEP cannot be verified while active, first succeeding DDEP must be received within a maximum of 60 days from account opening. If DDEP is cancelled or falls below qualifying threshold, bonus rate is reduced by 0.25%. Check-writing abilities; unlimited in-person transactions; all withdrawals must be at least $250. Membership eligibility required.
Offer: Tier 1: Up to $9,999.99. Includes 0.25% direct deposit rate bonus.
Qualified rate · Effective Sep 18, 2025
Rate by balance
Rate by balance for Money Market with Direct Deposit Balance APY Up to $10,000 0.30% $10,000 – $25,000Your amount 0.35% $25,000 – $50,000 0.40% $50,000 – $100,000 0.45% $100,000 and up 0.50% Rate checked
More details - Farm Bureau BankPerformance Money MarketPerformance Money Market · $100 min · 0.05%–1.00% by balance
Bank · 1 branch
0.35%APY$35 a year on $10,000with conditionsRequirements
Product: Available to retail and business customers. Up to 6 withdrawals per month/cycle.
Offer: With E-Option. Tier: Less than $2,500.
Qualified rate · 0.05% interest rate · No monthly fee
Rate by balance
Rate by balance for Performance Money Market Balance APY Up to $2,500 0.05% $2,500 – $9,999 0.25% $10,000 – $49,999Your amount 0.35% $50,000 – $249,999 0.45% $250,000 – $499,999 0.55% $500,000 and up 1.00% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Membership eligibility required. $1 minimum balance in Primary Savings required to establish and maintain membership. No monthly service fees. Dividends paid monthly.
Offer: $1 minimum balance is required to open a savings account and earn the stated APY. Dividends compounded and credited monthly. Daily balance method.
0.30% interest rate · No monthly fee · Effective Oct 23, 2026
Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Minimum balance of $5 stays on deposit for the life of the account as ownership in the Credit Union. New members pay a $5 lifetime membership fee. Dividends are paid quarterly.
Offer: Minimum daily balance to earn dividends is $100. Minimum to avoid service charge is $0.
No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Limit one Save First Account per membership. Save First Accounts not available on business memberships. Maximum balance is $30,000; deposits exceeding maximum are deposited into primary savings. Dividends are paid quarterly.
Offer: Standard rate applied if any withdrawals or transfers occur during the dividend quarter. Minimum daily balance to earn dividends is $0.01. Minimum to avoid service charge is $0.
Balance cap $30,000 · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - Energy One Federal Credit UnionStandard Money MarketStandard Money Market · $2,500 min
Credit union · 3 branches
0.30%APY$30 a year on $10,000Requirements
Product: A flexible option for members with moderate balances. Limited to six withdrawals per month. Minimum balance requirements vary by account type and help avoid monthly service charges. Monthly dividend compounding. NCUA insured.
Offer: Tier 1–4
Balance cap $250,000 · Effective Jun 9, 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%
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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