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 331–345 results in Texas
- First National Bank TexasPresident Select High YieldPresident Select High Yield · $0 min · 0.02%–1.51% by balance
Bank · 296 branches
0.50%APY$50 a year on $10,000intro rateRequirements
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.
Promotional rate · 0.02% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for President Select High Yield Balance APY Up to $10,000 0.02% $10,000 – $250,000Your amount 0.50% $250,000 – $500,000 1.01% $500,000 and up 1.51% Rate checked
More details - First National Bank TexasService 1 High YieldService 1 High Yield · $10,000 min · 0.50%–1.51% by balance
Bank · 296 branches
0.50%APY$50 a year on $10,000intro rateRequirements
Product: Available under Military Accounts.
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.
Promotional rate · 0.50% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Service 1 High Yield Balance APY $10,000 – $250,000Your amount 0.50% $250,000 – $500,000 1.01% $500,000 and up 1.51% Rate checked
More details - 0.50%APY$50 a year on $10,000
- Energy One Federal Credit UnionPremier One Money MarketPremier One Money Market · $5,000 min · 0.50%–2.00% by balance
Credit union · 3 branches
0.50%APY$50 a year on $10,000Requirements
Product: Designed for higher balances with top dividend tiers. 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
Effective Jun 9, 2026
Rate by balance
Rate by balance for Premier One Money Market Balance APY $5,000 and upYour amount 0.50% $20,000 and upTier 2 0.60% $30,000 and upTier 3 0.75% $50,000 and upTier 4 0.80% $100,000 and upTier 5 1.00% $250,000 and upTier 6 2.00% Rate checked
More details - Chartway Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.25%–0.60% by balance
Credit union · 2 branches
0.50%APY$50 a year on $10,000Requirements
Product: Fees could reduce earnings on the account (applies only to maintenance or activity fees). Variable rates. Rates subject to change at any time without notice.
0.25% interest rate · Effective Oct 22, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $5,000 0.25% $5,000 – $10,000 0.40% $10,000 – $25,000Your amount 0.50% $25,000 – $50,000 0.55% $50,000 – $100,000 0.60% $100,000 and up 0.35% Rate checked
More details - Germania Credit UnionMoney MarketMoney Market · $2,500 min · 0.00%–1.01% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Minimum $2,500 to open. Maintain $2,500 average daily balance to earn disclosed APY and avoid monthly service charge. Up to six withdrawals per month, three of which may be by check.
Offer: Tier balance $0.00 - $2,499.99.
0.00% interest rate
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,500 0.00% $2,500 – $10,000 0.40% $10,000 and upYour amount 0.50% $50,000 and up 1.01% Rate checked
More details - Members Trust Federal Credit UnionPremier SavingsSavings · 0.00%–1.00% by balance
Credit union · 2 branches
0.50%APY$50 a year on $10,000Requirements
Product: Rates for July, August, and September 2026. APY and APR are subject to change; fees may reduce potential earnings.
Offer: Applies to balances < $500.00.
0.00% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for Premier Savings Balance APY Up to $500 0.00% $500 – $25,000Your amount 0.50% $25,000 – $50,000 0.60% $50,000 – $100,000 0.75% $100,000 – $200,000 0.90% $200,000 and up 1.00% Rate checked
More details - ALLIANCE Credit UnionMoney MarketMoney Market · $1,000 min · 0.40%–1.01% by balance
Credit union · 15 branches
0.50%APY$50 a year on $10,000Requirements
Product: Minimum balance of $1,000 required to earn dividends. Tiered rate structure means higher balances pay bigger dividends.
0.40% interest rate · Effective Oct 9, 2026
Rate by balance
Rate by balance for Money Market Balance APY $1,000 – $5,000 0.40% $5,000 – $25,000Your amount 0.50% $25,000 – $50,000 0.60% $50,000 – $500,000 0.70% $500,000 – $1,000,000 0.75% $1,000,000 and up 1.01% Rate checked
More details - Members First Credit UnionMoney MarketMoney Market · $3,000 min · 0.50%–1.00% by balance
Credit union · 4 branches
0.50%APY$50 a year on $10,000Requirements
Product: Interest is paid and compounded monthly on funds from the date of deposit to the date of withdrawal. Minimum balance of $3,000 is required to open.
0.50% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $3,000 – $20,000Your amount 0.50% $20,000 – $50,000 0.50% $50,000 – $100,000 0.60% $100,000 and up 1.00% Rate checked
More details - HEB Federal Credit UnionMoney MarketMoney Market · $1,500 min · 0.50%–0.75% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Open a Money Market Account with $1,500 or more. Constant access to funds — make up to six payments from the account each month; unlimited in-person withdrawals. If daily balance falls below disclosed minimum daily balance ($1,500.00), account earns Savings Account dividend rate and APY for that day. $10.00 monthly service charge if average daily balance falls below $1,500.
Offer: Requires $1,500.00 each day to earn APY disclosed. Fee waived if average daily balance is at least $1,500.
0.50% interest rate · $10 monthly fee · Effective Oct 12, 2026
Rate by balance
Rate by balance for Money Market Balance APY $1,500 – $10,000Your amount 0.50% Over $10,000 0.75% Rate checked
More details - Zions BankPremier Money MarketPremier Money Market · $0 min · 0.00%–1.51% by balance
Bank · 77 branches
0.50%APY$50 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 · 0.00% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY Up to $5,000 0.00% $5,000 – $100,000Your amountEnhanced/Relationship tier for Premier/Premier Elite clients. 0.50% $100,000 – $250,000Enhanced/Relationship tier for Premier/Premier Elite clients. 0.85% $250,000 – $500,000Enhanced/Relationship tier for Premier/Premier Elite clients. 1.16% $500,000 – $1,000,000Enhanced/Relationship tier for Premier/Premier Elite clients. 1.41% $1,000,000 and upEnhanced/Relationship tier for Premier/Premier Elite clients. 1.51% Rate checked
More details - Firstmark Credit UnionOn Your Mark® Money Market AccountOn Your Mark® Money Market Account · $250 min · 0.00%–0.50% by balance
Credit union · 12 branches
0.50%APY$50 a year on $10,000Requirements
Product: Opening balance required of $250. Minimum daily balance of $250 to earn dividends/APY. Unlimited transfers and withdrawals. Dividends compounded monthly.
Offer: Less Than $250 tier.
0.00% interest rate · Compounded monthly · Effective Oct 6, 2026
Rate by balance
Rate by balance for On Your Mark® Money Market Account Balance APY Up to $250 0.00% $250 and upYour amount 0.50% Rate checked
More details - The Local Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.50%–1.50% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Dividends are compounded and paid monthly based on daily balance. Must maintain a minimum daily balance to earn the disclosed APY. Account limitations apply with a fee for withdrawals in excess of 2 per calendar month.
Offer: Applies to balances >= $2,500.
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 and upYour amount 0.50% $25,000 and up 1.50% Rate checked
More details - Santa Fe Federal Credit UnionRegular SavingsSavings · $5 min · 0.25%–0.50% by balance
Credit union · 5 branches
0.50%APY$50 a year on $10,000Requirements
Product: Dividends calculated daily, compounded and paid quarterly. Maintains Santa Fe Federal Credit Union membership.
0.25% interest rate · Effective Sep 29, 2026
Rate by balance
Rate by balance for Regular Savings Balance APY Up to $10,000 0.25% $10,000 and upYour amount 0.50% Rate checked
More details - Santa Fe Federal Credit UnionSpecial SavingsSavings · $5 min · 0.25%–0.50% by balance
Credit union · 5 branches
0.50%APY$50 a year on $10,000Requirements
Product: Save for special occasions like vacations or Christmas. Dividends calculated on daily / average daily balance, compounded and paid quarterly.
0.25% interest rate · Effective Sep 29, 2026
Rate by balance
Rate by balance for Special Savings Balance APY Up to $10,000 0.25% $10,000 and upYour amount 0.50% 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 412 banks and credit unions · checked Oct 22–23
- 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