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 91–105 results in Texas
- 2.07%APY$207 a year on $10,000intro rate
Requirements
Product: Variable rate; interest rate and annual percentage yield may change after account opening. A $6.00 quarterly service charge applies if a minimum daily balance of $200.00 is not maintained.
Offer: Interest rate and APY may change after account opening. $6.00 fee per calendar quarter if minimum daily balance of $200.00 is not maintained.
Promotional rate · 2.05% interest rate · Effective Mar 2, 2026
Rate checked
More details - 2.05%APY$205 a year on $10,000
Requirements
Product: Declared quarterly. As a condition of membership, must purchase and maintain at least 1 share ($25.00 par value).
Offer: Declared quarterly. Rates are subject to change at any time and are not guaranteed.
2.00% interest rate
Rate checked
More details - 2.05%APY$205 a year on $10,000
Requirements
Product: No service fee with minimum daily balance of $100.00; $2.00 charge will apply for the month if minimum balance is not maintained. Maintain only $100.00 daily balance to earn interest. One withdrawal per month, $3.00 for each withdrawal over one. Interest compounds and credits quarterly.
Offer: Monthly fee of $2.00 waived with minimum daily balance of $100.00.
0.00% interest rate · $2 monthly fee
Rate by balance
Rate by balance for Statement Savings Balance APY Up to $100 0.00% $100 and upYour amountInterest compounds quarterly. 2.05% Rate checked
More details - Texas Exchange BankMoney Market AccountMoney Market Account · $2,500 min · 0.00%–2.05% by balance
Bank · 2 branches
2.05%APY$205 a year on $10,000intro rateRequirements
Product: No service fee with minimum daily balance of $2,500.00, otherwise $10.00 monthly charge applies. Variable rate account; rate and APY may change after opening. Compounded monthly and credited monthly. Limited to six withdrawals/debit transactions per month; additional debits are $10.00 each.
Offer: Must maintain $2,500.00 daily balance to earn interest and waive $10.00 monthly fee.
Promotional rate · 0.00% interest rate · Compounded monthly · $10 monthly fee
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.00% $2,500 and upYour amountVariable rate. 2.05% Rate checked
More details - American Airlines Federal Credit UnionPrimary Savings AccountSavings · $6 min
Credit union · 15 branches
2.02%APY$202 a year on $10,000intro rateRequirements
Product: One-time $1.00 membership fee. Dividends compounded and credited monthly. Minimum daily balance of $5.00 to earn dividends.
Offer: Minimum daily balance to earn dividends is $5.00. Prospective dividend rate and APY for October 2026. Dividends compounded monthly and credited monthly.
Promotional rate · 2.00% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - 2.02%APY$202 a year on $10,000intro rate
Requirements
Product: No minimum balance. No monthly service fees. Ability to set up recurring monthly deposit or deposit on your own. Dividends compounded and credited monthly.
Offer: No minimum balance. Prospective dividend rate and APY for October 2026. Dividends compounded monthly and credited monthly.
Promotional rate · 2.00% interest rate · Compounded monthly · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 2.02%APY$202 a year on $10,000intro rate
Requirements
Product: Dividends compounded and credited monthly. No minimum balance required.
Offer: No minimum balance. Prospective dividend rate and APY for October 2026. Dividends compounded monthly and credited monthly.
Promotional rate · 2.00% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - Texas BankAdvantage Money MarketAdvantage Money Market · $2,500 min · 0.40%–2.01% by balance
Bank · 12 branches
2.01%APY$201 a year on $10,000Requirements
Product: Avoid the $20 monthly fee by maintaining a $2,500 minimum daily balance. Unlimited in-person or mail withdrawals; 6 free pre-authorized/automatic/phone/check/draft transactions per month ($15.00 per excess transaction). Interest rate is subject to change after account is opened.
Offer: Avoid the $20 monthly fee by maintaining a $2,500 minimum daily balance.
0.40% interest rate · $20 monthly fee
Rate by balance
Rate by balance for Advantage Money Market Balance APY Up to $2,500 0.40% $2,500 – $10,000 0.40% $10,000 and upYour amount 2.01% Rate checked
More details - 2.01%APY$201 a year on $10,000with conditions
Requirements
Product: Requires a linked Kasasa Cash, Kasasa Cash Back, Kasasa Eats, or Kasasa Play checking account. Limit 1 account per SSN. Qualifying for linked Kasasa checking rewards qualifies for highest Kasasa Saver rate. Monthly qualification cycle requires at least 10 debit card purchases (30 for Kasasa Cash Level 2), at least 1 ACH debit, 1 direct deposit, or 1 bill pay transaction, and enrollment in e-Statements.
Offer: When qualifications in linked Kasasa checking account are met during Monthly Qualification Cycle.
Qualified rate · 1.99% interest rate · No monthly fee · Effective Jul 1, 2023
Rate by balance
Rate by balance for Kasasa Saver Balance APY Up to $50,000Your amount 2.01% $50,000 and up 0.50%* Rate checked
More details - Texasgulf Federal Credit UnionFree Kasasa SaverSavings · $0 min · 0.50%–2.00% by balance
Credit union · 2 branches
2.00%APY$200 a year on $10,000with conditionsRequirements
Product: Links to Free Kasasa Cash or Kasasa Cash Back checking account; automatic transfer of rewards. To earn qualification APY: use Texasgulf FCU Debit Card at least 12 times per month, sign up for eStatements, and sign up and log into Online Banking at least once per month. If qualifications not met, pays base dividend rate.
Offer: When qualifications in linked Kasasa Cash or Cash Back checking are met.
Qualified rate · 1.98% interest rate · No monthly fee
Rate by balance
Rate by balance for Free Kasasa Saver Balance APY Up to $25,000Your amount 2.00% $25,000 and up 0.50% Rate checked
More details - First National Bank TexasMoney Market AccountMoney Market Account · $0 min · 0.02%–3.25% by balance
Bank · 296 branches
2.00%APY$200 a year on $10,000Requirements
Offer: The interest rate and APY on this account are subject to change at any time, without notice, after the account is opened. Interest compounded/credited daily/monthly.
0.02% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.02% $2,500 – $10,000 0.25% $10,000 – $25,000Your amount 2.00% $25,000 – $50,000 2.50% $50,000 – $100,000 3.00% $100,000 – $250,000 3.25% $250,000 and up 3.25% Rate checked
More details - First Central Credit UnionFree Kasasa SaverSavings · $5 min · 1.00%–2.00% by balance
Credit union · 5 branches
2.00%APY$200 a year on $10,000with conditionsRequirements
Product: Links to Free Kasasa Cash or Kasasa Cash Back checking account. Limit one account per SSN. Qualify for Kasasa Saver rewards by meeting monthly qualification cycle requirements in the linked Kasasa Cash or Kasasa Cash Back account (at least 12 check card purchases post and settle, enroll and receive e-statement notices, and enroll and log into online banking).
Offer: Applies to balances up to $20,000 when monthly qualifications are met in linked Kasasa Cash or Kasasa Cash Back account.
Qualified rate · 1.98% interest rate · No monthly fee · Effective Sep 1, 2023
Rate by balance
Rate by balance for Free Kasasa Saver Balance APY Up to $20,000Your amount 2.00% $20,000 and up 1.00%* Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Must be linked to a Max Cash Checking or Max Cash Back Checking account. Variable rate account; rates may change without notice. Limit one Max checking account per household.
Offer: Applies to daily balances up to $99,999.99 when qualifications are met in the linked Max checking account during the Monthly Qualification Cycle (at least 12 debit card purchases, at least 1 ACH credit or ACH payment, and enrolled in eStatements).
Qualified rate · 1.98% interest rate · No monthly fee
Rate by balance
Rate by balance for Max Saver Balance APY Up to $100,000Your amount 2.00% $100,000 and up 0.50%* Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Requires an active linked Rewards Checking account. To earn highest rates, must meet Rewards Checking monthly qualifications: at least 15 qualifying debit card transactions, at least 1 direct deposit/ACH payment/ACH credit, and enrollment in Online Banking and E-Statements. Limit 1 account per person.
Offer: Requires meeting Rewards Checking qualifications during the Monthly Qualification Cycle.
Qualified rate · 1.98% interest rate · No monthly fee · Effective Apr 1, 2026
Rate by balance
Rate by balance for Premium Savings Balance APY Up to $250,000Your amount 2.00% $250,000 and up 1.00% Rate checked
More details - Gulf Credit UnionFree Kasasa Saver®Savings · $0 min · 0.60%–2.00% by balance
Credit union · 5 branches
2.00%APY$200 a year on $10,000with conditionsRequirements
Product: Exclusively available to Kasasa checking account holders (links to free Kasasa Cash, Kasasa Cash Back, Kasasa Eats, or Kasasa Play checking). Automatic transfers of Kasasa earnings.
Offer: When qualifications are met in linked Kasasa checking account (at least 12 debit card purchases, enrolled in and agree to receive e-statements, enrolled in and log into online banking during Monthly Qualification Cycle).
Qualified rate · No monthly fee
Rate by balance
Rate by balance for Free Kasasa Saver® Balance APY Up to $30,000Your amount 2.00% Over $30,000 0.60% 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
963 accounts at 412 banks and credit unions · checked Oct 16–22
- 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