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 31–45 results in Texas
- Credit Union of TexasHigh Yield SavingsSavings · $1,000 min · 0.10%–3.25% by balance
Credit union · 23 branches
3.25%APY$325 a year on $10,000Requirements
Product: Initial opening and subsequent deposit funds must be new money not previously held by any member of the Credit Union. Limited to 1 account per membership. Must maintain a minimum daily balance of $1,000.00 to avoid $10.00 monthly service fee. Minimum average daily balance of $100.00 required to earn disclosed APY. $10.00 fee per withdrawal or transfer in excess of 6 per month.
Offer: Variable rate. Average daily balance method used. Minimum average daily balance of $100.00 required to earn interest/dividends. If average daily balance falls below $1,000, earns interest at applicable variable rate.
0.10% interest rate · $10 monthly fee · Effective Jan 1, 2026
Rate by balance
Rate by balance for High Yield Savings Balance APY Up to $1,000 0.10% $1,000 – $25,000Your amount 3.25% Over $25,000 1.35% Rate checked
More details - CommunityAmerica Credit UnionAdvantage Money MarketAdvantage Money Market · $1,000 min
Credit union · 3 branches
3.20%APY$320 a year on $10,000Requirements
Product: Variable rate. Compounded daily and credited monthly. Requires maintaining the minimum daily balance required to earn the APY.
Offer: Subject to a $10 monthly fee if balance falls below $1,000 at any time.
3.15% interest rate · Compounded daily · $10 monthly fee · Effective Oct 5, 2026
Rate checked
More details - Chevron Federal Credit UnionMarketEdge Money Market SavingsMarketEdge Money Market Savings · $0 min · 0.75%–3.25% by balance
Credit union · 7 branches
3.15%APY$315 a year on $10,000Requirements
Product: High-yield savings account with checks and debit card convenience. No term restrictions. Balances below $2,500 earn regular Primary Share Savings rate. Requires maintaining $25 minimum balance in Primary Share Savings account.
Offer: Balances below $2,500 earn regular Primary Share Savings dividend rate.
0.75% interest rate · No monthly fee
Rate by balance
Rate by balance for MarketEdge Money Market Savings Balance APY Up to $2,500 0.75% $2,500 – $10,000 3.15% $10,000 – $25,000Your amount 3.15% $25,000 – $50,000 3.25% $50,000 – $100,000 3.25% $100,000 – $250,000 3.25% $250,000 and up 3.25% Rate checked
More details - 3.15%APY$315 a year on $10,000with conditions
Requirements
Offer: Max Rate. Must have a Momentum Max or Momentum Max Plus checking account with a minimum average daily balance of $50,000. Must have $40,000 in monthly merchant volume is required to receive rate. Rate based on prior-month balance and merchant service volume.
Qualified rate · 3.11% interest rate · Effective Oct 6, 2026
Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.02%–3.15% by balance
Bank · 142 branches
3.15%APY$315 a year on $10,000with conditionsRequirements
Product: Monthly maintenance fee of $10 waived with an average daily balance of $2,500 or when you also own a Huntington personal checking account. Minimum opening deposit is $100. Higher relationship rates available when linked with qualifying checking accounts. Rates are specific to ZIP code 43215.
Offer: Promotional Rate with open Huntington Perks Checking account; requires new money to Huntington. Rate applies to ZIP code 43215.
Qualified rate · 0.02% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Huntington Relationship Savings Balance APY Up to $5,000 0.02% $5,000 – $2,000,001Your amountNon-Relationship Promotional Rate; 3.15% $2,000,001 – $100,000,000,000Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.02% Rate checked
More details - Monet BankMoney Market AccountMoney Market Account · $2,500 min · 0.00%–3.35% by balance
Bank · 3 branches
3.10%APY$310 a year on $10,000Requirements
Product: No fixed terms or maturities. Aggregate deposit balances limited to $1 million per tax identification number. Minimum deposit to open is $1,000 for branch accounts and $2,500 for online accounts.
Offer: Monthly minimum balance fee of $10.00 assessed if daily balance drops below $1,000 any day of statement cycle.
0.00% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $999 0.00% $1,000 – $24,999Your amount 3.10% $25,000 and up 3.35% Rate checked
More details - Prestige Community CUHigh Yield Money MarketHigh Yield Money Market · $2,500 min · 0.30%–3.05% by balance
Credit union · 2 branches
3.05%APY$305 a year on $10,000intro rateRequirements
Product: Available only to new money deposited into the credit union. 3 free withdrawals/transfers per month ($5.00 charge per withdrawal/transfer in excess of 3 per month). No monthly fees unless minimum balance falls below $2,500. $10,000 minimum to earn higher APY.
Offer: Available only to new money deposited into the credit union.
Promotional rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for High Yield Money Market Balance APY $1 and up 0.30% $10,000 and upYour amount 3.05% $500,000 and up 3.05% Rate checked
More details - Panhandle First BankEmergency Savings AccountSavings · $25 min · 1.01%–3.05% by balance
Bank · 3 branches
3.05%APY$305 a year on $10,000Requirements
Product: Limited to 2 withdrawals per month ($10 per excess withdrawal). 1 account per customer. Monthly maintenance fee of $10 is waived with 1 customer-initiated deposit during statement cycle OR $2,500 minimum average daily balance. e-Statements included; paper statements $4/mo.
Offer: Tier for balances $1 - $20,000. Stated APY range is 0.00% - 3.04%. No minimum balance to obtain APY. Monthly fee of $10 waived with 1 customer-initiated deposit during statement cycle or $2,500 minimum ADB.
3.00% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Emergency Savings Account Balance APY Up to $20,000Your amount 3.05%* $20,001 and upStated APY range is 1.02% - 3.04%. 1.01%* Rate checked
More details - 3.04%APY$304 a year on $10,000with conditions
Requirements
Product: Consumer accounts only. To earn 2.00% APY above regular share savings rate (3.04% APY / 3.00% rate), maintain an active FWCCU checking account, complete at least 10 debit card purchase transactions per calendar month, and enroll in e-statements. Otherwise earns regular share savings APY/rate. Maximum 3 withdrawals per calendar month ($10 fee per withdrawal thereafter; no ATM withdrawals).
Offer: Qualifying rate: requires active FWCCU checking account, at least 10 debit card purchase transactions during the month, and enrollment in e-statements.
Qualified rate · 3.00% interest rate · Effective Oct 6, 2026
Rate checked
More details - 3.04%APY$304 a year on $10,000
Requirements
Product: Avoid the $15 monthly service charge when you maintain a minimum $5,000 balance in the account every day of the statement cycle. 6 free debits per month; $10 each thereafter.
Offer: Must maintain a minimum balance of $5,000 every day of the statement cycle to obtain the disclosed APY and avoid the $15 monthly service charge. Earn an additional 0.10% APY with a qualifying consumer checking account relationship with a balance of $5,000.00 or more at the end of the day prior to the statement cycle.
$15 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $5,000 – $5,000,000Your amount 3.04% Over $5,000,000Maintain a minimum balance of $5,000 every day of the statement cycle to avoid the $15 monthly service charge. 1.25% Rate checked
More details - 3.03%APY$303 a year on $10,000
Requirements
Product: Must maintain a minimum balance of $100.00 to keep account open and earn dividends. Maximum deposit of $1,000.00 per month for individual share savings accounts. Limited to 6 withdrawals/transfers per month (maximum 3 by draft/check/debit).
Offer: Interest/dividends compounded and credited quarterly on balances exceeding $100.00 based on the average daily balance method.
No monthly fee
Rate checked
More details - First National Bank of HerefordReal SaverSavings · $100 min · 1.26%–3.03% by balance
Bank · 4 branches
3.03%APY$303 a year on $10,000with conditionsRequirements
Product: Links to free Reward Checking account. Automatic transfers of Reward Checking earnings. Opening deposit waived for minors (under 18) and full-time students.
Offer: Applies to all balances if qualifications are not met in Reward Checking.
Qualified rate · 1.25% interest rate · No monthly fee · Effective Sep 1, 2023
Rate by balance
Rate by balance for Real Saver Balance APY Any balance 1.26% Up to $100,000Your amountQualifying for Reward Checking rewards automatically qualifies for highest Real Saver rate. During each Monthly Qualification Cycle: at least 10 debit card purchases post and settle, at least one direct deposit, ACH credit, or ACH payment transaction, and enrolled in and agree to review eStatements. 3.03% Over $100,000During each Monthly Qualification Cycle: at least 10 debit card purchases post and settle, at least one direct deposit, ACH credit, or ACH payment transaction, and enrolled in and agree to review eStatements. 2.52% Rate checked
More details - 3.02%APY$302 a year on $10,000
Rate by balance
Rate by balance for Velocity Money Market Balance APY Up to $24,999Your amount 3.02% Over $24,999 3.85% Rate checked
More details - 3.00%APY$300 a year on $10,000
Requirements
Product: Must make monthly installment payments to maintain interest and withdrawal amounts. Minimum contract amount is $1,000 and maximum contract amount is $100,000 per customer (in multiples of $1,000). Minimum opening balance and minimum balance to obtain disclosed APY is the first month installment. Penalty of 3 months' interest on amount withdrawn for early withdrawal.
Offer: Interest compounded daily, credited every 3 months. No monthly service fee.
2.96% interest rate · Compounded daily · No monthly fee · Effective Jan 23, 2026
Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Primary account owner must also be primary account owner of a First Tech Rewards Checking account and Membership Share Savings account.
Offer: Qualified rate: Requires meeting monthly First Tech Rewards Checking qualification requirements (aggregate spend of at least $1,000/month on debit/credit card, ACH or direct deposits totaling at least $1,000/cycle, and enrollment in electronic statements/disclosures).
Qualified rate · 2.96% interest rate · 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
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