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 721–735 results in Texas
- Justice Federal Credit UnionFreedom Direct SavingsSavings · $300 min · 0.10%–0.15% by balance
Credit union · 2 branches
0.10%APY$10 a year on $10,000with conditionsRequirements
Product: One Freedom Direct Savings per Justice Federal membership. No monthly service fees and no minimum balance requirement. No minimum opening deposit. Variable rate account.
Offer: Non-qualifying rate when checking and direct deposit requirements are not met.
Qualified rate · 0.10% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Freedom Direct Savings Balance APY $300 – $2,499 0.10% $2,500 – $19,999Your amount 0.10% $20,000 and up 0.15% Rate checked
More details - Justice Federal Credit UnionShare SavingsSavings · $300 min · 0.10%–0.15% by balance
Credit union · 2 branches
0.10%APY$10 a year on $10,000Requirements
Product: A $5 minimum balance in a Savings Account is required to establish and maintain membership. Direct deposit and automatic transfers available. Variable rate account; fees may reduce earnings.
0.10% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Share Savings Balance APY $300 – $2,499 0.10% $2,500 – $19,999Your amount 0.10% $20,000 and up 0.15% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Variable-rate savings account. Monthly fee is $3 (waived with $100 minimum balance; free for minors up to age 18).
Offer: Minimum balance to earn interest is $100. Monthly fee of $3 is waived on balances of $100 or more.
0.10% interest rate · $3 monthly fee · Effective Oct 1, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000with conditions
Requirements
Product: Requires an active WaFd checking account to open. Maximum of three Start Savings accounts per Taxpayer Identification Number (TIN). Variable blended rate.
Offer: Tier 1 blended rate for balances $0 to $500. Requires an active checking account to open.
Qualified rate · 4.88% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Start Savings Balance APY Up to $500 5.00% $500 – $1,000 2.50% $1,000 and upYour amount 0.10% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Must maintain a minimum $5.00 balance and keep account active with a yearly transaction to remain a member. Dividends posted monthly. Compounded daily and paid monthly. No monthly maintenance fee.
0.10% interest rate · Compounded daily · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Must also have an active Share Savings Account. No monthly service fee, no minimum account balance, no minimum opening deposit.
Offer: APYs based on monthly compounding. Must have active Share Savings account.
No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Must be a TruWest member with a minimum $5 membership deposit and continuing balance. No monthly service fee.
Offer: Minimum $5 balance in Share Savings required. APYs based on monthly compounding.
No monthly fee · Effective Oct 1, 2026
Rate checked
More details - USAA Federal Savings BankUSAA Performance First SavingsSavings · $1,000 min · 0.07%–1.00% by balance
Bank · 1 branch
0.10%APY$10 a year on $10,000with conditionsRequirements
Product: Available to eligible USAA members. Enrolling in the Relationship Rates Program and linking an eligible USAA Classic Checking account may qualify the account for higher rates. No monthly service fees.
Offer: Premium Relationship Rate: requires linking eligible USAA Classic Checking account and making at least 5 qualifying transactions each month.
Qualified rate · No monthly fee · Effective Oct 3, 2026
Rate by balance
Rate by balance for USAA Performance First Savings Balance APY Up to $10,000 0.07% $10,000 – $25,000Your amount 0.10% $25,000 – $50,000Military-Pay Relationship Rate: requires linking eligible USAA Classic Checking account and receiving qualifying direct deposit of at least $1 of U.S. military-related pay from DFAS or U.S. Department of the Treasury. 0.30% $50,000 – $100,000 0.50% $100,000 – $250,000 0.60% $250,000 – $500,000 0.70% $500,000 – $1,000,000 1.00% $1,000,000 and up 1.00% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Offer: Dividends are compounded and paid monthly. Dividend Rate and APYs are variable and subject to change. If closed prior to dividend payment, accrued dividend is forfeited.
0.10% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: To become a credit union member, open a primary savings account with a minimum deposit of $13.00 ($10.00 is share in the credit union and must remain on deposit to retain membership; $3.00 is a new account set up fee). A minimum balance of $10.00 is required. Dividends are calculated on average daily balance, compounded quarterly and paid quarterly.
Offer: Dividends calculated on average daily balance; compounded quarterly and paid quarterly. $10.00 share must remain on deposit; $3.00 new account setup fee.
0.10% interest rate · Compounded quarterly
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Dividends paid quarterly.
Offer: Dividends paid quarterly.
0.10% interest rate
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Dividends paid quarterly.
Offer: Dividends paid quarterly.
0.10% interest rate
Rate checked
More details - Texoma Community Credit UnionMoney Market CheckingMoney Market Checking · $100 min
Credit union · 3 branches
0.10%APY$10 a year on $10,000Requirements
Product: Listed under checking account dividends on the rate schedule. Dividends were paid for the most recently ended dividend period and are not guaranteed for future periods.
Offer: Dividends were paid for the most recently ended dividend period and are not guaranteed for future dividend periods.
0.10% interest rate
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Serves as membership account, granting access to credit union products and services. Requires $25 opening deposit and $25 minimum balance. No monthly service fee or transaction fee. Dividends paid quarterly.
Offer: Minimum opening deposit of $25 and $25 minimum balance to maintain membership. Minimum balance to earn stated APY is $100. Dividends paid quarterly. Balances calculated on average daily balance.
0.10% interest rate · No monthly fee
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Dividends paid monthly. Rates calculated on an average daily balance.
Offer: Paid monthly. Rates calculated on an average daily balance. Dividends paid for the most recently ended dividend period and not guaranteed for future periods.
0.10% interest rate
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