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 511–525 results in Texas
- 0.25%APY$25 a year on $10,000
Requirements
Offer: Must maintain a minimum daily balance of $25.00 to obtain APY. A $3.00 service charge applies per quarter if the minimum daily balance falls below $100.00. Up to 9 free debit transactions/withdrawals per quarter, $2.00 each thereafter unless daily balance remains above $1,000.00.
0.25% interest rate · Effective Jan 1, 2025
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Limited to 6 withdrawals per month. Dividends/interest paid quarterly. Not eligible for a debit card. Identification required at opening (Driver's license, Social Security card) and funds for initial opening fee.
Offer: Interest paid quarterly.
0.10% interest rate · No monthly fee
Rate by balance
Rate by balance for Savings Balance APY $5 and up 0.10% $5,000 and upYour amount 0.25% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Dividends are paid quarterly and calculated using the average daily balance method. Dividends begin to accrue on the business day cash and non-cash items are deposited. Dividend rates are determined at the close of each quarter's business and are subject to change.
Offer: Dividends are paid quarterly.
0.25% interest rate · Effective Jul 16, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Must open to begin membership with the credit union. Requires a one-time $1 membership fee. Up to 6 free withdrawals per month. Dividends compounded and paid quarterly.
Offer: $100 minimum balance required to obtain the disclosed APY.
0.25% interest rate · Effective Mar 31, 2025
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Separate savings account for vacations, Christmas, or special goals. Up to 6 free withdrawals per month. Dividends compounded and paid quarterly.
Offer: $100 minimum balance required to obtain the disclosed APY.
0.25% interest rate · Effective Mar 31, 2025
Rate checked
More details - Cherokee County Teachers Federal Credit UnionShare Savings AccountSavings · $25 min
Credit union · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: Key to membership at CCTFCU. Minimum amount required to be deposited in the account is $25 to remain a member in good standing. No upper deposit limit.
0.25% interest rate
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: PTFCU’s basic savings account required for membership. $5 required to open and maintain account; $10 or $20 application fee depending on field of membership. Fixed dividend paid on entire balance with a minimum of $100.
Offer: Dividend rate of 0.25% with $100.00 minimum balance. Only $5 required to open and maintain the account.
0.25% interest rate · Effective Feb 25, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Dividends are not paid on accounts under the minimum balance indicated ($20.00). Savings dividend rates are declared monthly by the Board of Directors.
0.10% interest rate
Rate by balance
Rate by balance for Share Savings Balance APY Up to $500 0.10% $500 – $5,000 0.15% $5,000 – $10,000 0.25% $10,000 and upYour amount 0.25% Rate checked
More details - Belton Federal Credit UnionRegular Share (Savings) AccountsSavings · $100 min · 0.10%–0.40% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,0000.10% interest rate
Rate by balance
Rate by balance for Regular Share (Savings) Accounts Balance APY $100 – $5,000 0.10% $5,000 – $20,000Your amount 0.25% $20,000 and up 0.40% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Money market savings account with check writing flexibility. $10.00 monthly minimum balance fee waived if a balance of $1,000.00 or above is maintained each day in the statement period. Up to 6 withdrawals per statement period at no charge ($10.00 fee per excessive withdrawal over 6). $3.00 monthly paper statement fee avoided with eStatements.
Offer: Variable interest rate calculated using daily balance method. $10.00 monthly minimum balance fee waived if a balance of $1,000.00 or above is maintained each day in the statement period.
$10 monthly fee · Effective Sep 14, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Variable rate account. Rate and APY may change at any time.
Offer: Must maintain a minimum daily balance of $100.00 to obtain the disclosed APY. A minimum balance fee of $5.00 will be imposed every statement cycle if the daily balance in the account falls below $200.00 any day of the quarter.
0.25% interest rate · $5 monthly fee · Effective Jul 1, 2026
Rate checked
More details - Cherokee County Federal Credit UnionRegular Savings AccountSavings · $100 min · 0.10%–0.35% by balance
Credit union · 2 branches
0.25%APY$25 a year on $10,000intro rateRequirements
Product: Establishes CCFCU membership. Ineligible for dividends if daily balance of $100 or more is not maintained and/or if exceeding 6 withdrawals per month.
Offer: Quarter ending 6/30/2026. 6 free withdrawals per month; ineligible for dividends if daily balance of $100 or more isn't maintained and/or if exceeding 6 withdrawals per month.
Promotional rate · 0.10% interest rate · Effective Jun 30, 2026
Rate by balance
Rate by balance for Regular Savings Account Balance APY $100 – $2,500 0.10% $2,500 – $5,000 0.20% $5,000 – $10,000Your amount 0.25% $10,000 – $25,000 0.30% Over $25,000 0.35% Rate checked
More details - Texas People Federal Credit UnionPrimary SavingsSavings · $500 min · 0.15%–0.50% by balance
Credit union · 2 branches
0.25%APY$25 a year on $10,000Requirements
Product: Serves as share in cooperative; earns dividends quarterly; includes free ATM card.
Offer: Earns dividends quarterly.
0.15% interest rate · No monthly fee · Effective Apr 8, 2026
Rate by balance
Rate by balance for Primary Savings Balance APY $500 – $10,000 0.15% $10,000 – $25,000Your amount 0.25% $25,000 – $50,000 0.35% $50,000 and up 0.50% Rate checked
More details - 0.25%APY$25 a year on $10,000
0.25% interest rate · Effective Mar 23, 2017
Rate checked
More details - Alamo City Credit UnionRegular shares/special savingsSavings · $100 min · 0.10%–0.25% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,0000.10% interest rate · Effective Dec 11, 2025
Rate by balance
Rate by balance for Regular shares/special savings Balance APY $100 – $5,000 0.10% $5,001 and upYour amount 0.25% 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%
Is your bank paying you enough?
Find your bank or credit union to see all its rates and how they compare near you.
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