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 46–60 results in Texas
- 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Must have a linked High-Yield Checking or Cash Back Checking account. No minimum balance required to earn rewards ($0.01 minimum balance to earn rewards). No monthly service fees. No minimum opening deposit. Qualification requirements per Monthly Qualification Cycle: at least 1 direct deposit/ACH credit/debit, at least 15 debit card purchases, and enrollment in eStatements. Dividends credited on the last day of the statement cycle. Membership required.
Offer: When qualifications are met during the Monthly Qualification Cycle. Daily balances up to and including $100,000 earn dividend rate of 2.96% (3.00% APY).
Qualified rate · 2.96% interest rate · No monthly fee · Effective Jul 8, 2026
Rate checked
More details - PrimeWay Federal Credit UnionMoney Market MaxMoney Market Max · $5 min · 2.85%–3.50% by balance
Credit union · 7 branches
3.00%APY$300 a year on $10,000Requirements
Product: Rate is tied to Prime Rate minus 4.00% APR and subject to change. Minimum transaction amount of $500 with maximum of 6 transactions per month. Compounded and credited monthly.
Offer: Minimum balance to earn APY is $1.00.
2.81% interest rate · Effective Oct 5, 2026
Rate by balance
Rate by balance for Money Market Max Balance APY Up to $10,000 2.85% $10,000 – $25,000Your amount 3.00% $25,000 – $50,000 3.10% $50,000 – $100,000 3.25% $100,000 – $250,000 3.35% $250,000 and up 3.50% Rate checked
More details - Soarion Credit UnionHigh Yield SavingsSavings · $1,000 min · 1.00%–3.00% by balance
Credit union · 8 branches
3.00%APY$300 a year on $10,000Requirements
Product: Membership required. Minimum $1,000 opening deposit required.
Offer: Minimum $1,000 daily balance required to avoid $10 monthly service fee. Up to 6 free withdrawals or transfers per monthly statement cycle ($10 each additional). Dividends compounded and credited monthly.
3.00% interest rate · $10 monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for High Yield Savings Balance APY Up to $25,000Your amount 3.00% Over $25,000 1.00% Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Opening deposit minimum of $100. Monthly service charge of $5 is waived if a daily balance greater than $500 is maintained each day of the service charge cycle.
Offer: Premium rate requires a qualified related b1BANK checking account with at least one customer-initiated debit or credit transaction posted within the last 3 business days of the prior interest cycle through 3 business days before the end of the current interest cycle. Monthly service charge of $5 is waived with a daily balance greater than $500.
Qualified rate · 2.96% interest rate · $5 monthly fee · Effective Apr 28, 2026
Rate checked
More details - Peoples Bank & Trust CompanyPeoples Money Market AccountPeoples Money Market Account · $2,500 min
Bank · 1 branch
3.00%APY$300 a year on $10,000Requirements
Product: Feature: High Yield Interest Account. $10 service charge avoided with $2500 average balance per statement cycle.
Offer: Service charge of $10 avoided with $2500 avg. balance per statement cycle. Requirements: None.
$10 monthly fee
Rate checked
More details - Woori America BankWooriWON Money MarketWooriWON Money Market · $500 min · 3.00%–3.15% by balance
Bank · 2 branches
3.00%APY$300 a year on $10,000Requirements
Product: Available online in states where branches are located. Interest compounded monthly. Fees may reduce earnings. APY/rate may change at any time before or after account opening.
Offer: Monthly service fee of $10 waived by maintaining an average daily balance of $500 in the account for the monthly cycle.
Compounded monthly · $10 monthly fee · Effective Dec 12, 2025
Rate by balance
Rate by balance for WooriWON Money Market Balance APY Up to $100,000Your amount 3.00% $100,000 and up 3.15% Rate checked
More details - 3.00%APY$300 a year on $10,000intro rate
Requirements
Product: All funds used to open, and subsequently fund, the savings account must be new funds, not currently on deposit with EECU. Interest is accrued and credited quarterly. Limited-time offer subject to change.
Offer: New money required to fund. No minimum opening deposit and no monthly or maintenance account fees. Interest accrued and credited quarterly.
Promotional rate · 2.96% interest rate · No monthly fee · Effective Jan 6, 2026
Rate checked
More details - 2.95%APY$295 a year on $10,000
Requirements
Product: Exclusive online-only savings account available in states where branches are located (NY, NJ, PA, MD, VA, GA, TX, CA). Limited to six transfers/withdrawals per monthly cycle. Interest compounded monthly.
Offer: Monthly service fee of $5 waived by maintaining an average daily balance of $100 in the account for the monthly cycle.
Compounded monthly · $5 monthly fee · Effective Dec 12, 2025
Rate by balance
Rate by balance for WooriWON Savings Balance APY Up to $100,000Your amount 2.95% $100,000 and up 3.25% Rate checked
More details - 2.78%APY$278 a year on $10,000with conditions
Requirements
Product: Tiered interest rates based on total banking relationship. $15 monthly service charge waived with a minimum daily balance of $10,000, or a combined relationship balance of $25,000 3 business days before the last service charge cycle date. Up to 8 free debits or transfers per statement cycle; each additional debit is $10.00.
Offer: Premium rate tier requires an active b1BANK checking account with at least one customer-initiated debit or credit transaction 3 business days before the end of the interest cycle period. $15 monthly fee waived with $10,000 daily balance or $25,000 combined relationship balance.
Qualified rate · 2.75% interest rate · $15 monthly fee · Effective Dec 12, 2025
Rate by balance
Rate by balance for MAX Money Market Balance APY Up to $25,000Your amount 2.78% $25,000 – $100,000 3.03% $100,000 – $250,000 3.07% $250,000 – $1,000,000 3.12% $1,000,000 – $5,000,000 3.18% $5,000,000 and up 3.18% Rate checked
More details - 2.75%APY$275 a year on $10,000with conditions
Requirements
Product: No branch or call center access with this account. Earn 2.75% APY when you have $1,000+ in monthly Direct Deposit to a FIGFCU Checking account; earn the standard 1.75% APY without the Direct Deposit requirement. No maintenance fees or minimum balance requirement.
Offer: With Direct Deposit ($1,000+ monthly ACH Direct Deposit or Agent Net Check into a FIGFCU Checking account).
Qualified rate · No monthly fee
Rate checked
More details - Southwest Airlines Federal Credit UnionLUV Fund Money MarketLUV Fund Money Market · $0 min · 2.25%–3.25% by balance
Credit union · 2 branches
2.75%APY$275 a year on $10,000Requirements
Product: Membership in Southwest Airlines Federal Credit Union required. Dividends compound monthly. No minimum balance and no minimum to open.
Effective Aug 24, 2026
Rate by balance
Rate by balance for LUV Fund Money Market Balance APY Up to $10,000 2.25% $10,000 – $50,000Your amount 2.75% $50,000 and up 3.25% Rate checked
More details - University Credit UnionHigh Yield SavingsSavings · $5 min · 0.00%–2.75% by balance
Credit union · 1 branch
2.75%APY$275 a year on $10,000Requirements
Product: Only available for new money deposited to UCU (money not currently or previously held in a UCU account). A $5 minimum balance is required to maintain membership.
Offer: 0% APY for balance less than $2,500.00.
Effective Jan 1, 2026
Rate by balance
Rate by balance for High Yield Savings Balance APY Up to $2,500 0.00% $2,500 and upYour amountTiered rate account; Variable rate subject to change after opening. 2.75% Rate checked
More details - 2.75%APY$275 a year on $10,000
Requirements
Offer: Dividends updated quarterly. New account fee: $10.00 (one-time).
Rate checked
More details - Neighborhood Credit UnionHigh Yield SavingsSavings · $100 min · 0.00%–2.75% by balance
Credit union · 17 branches
2.75%APY$275 a year on $10,000Requirements
Product: 3 free withdrawals per month/statement cycle; excess withdrawals incur a fee. Minimum $100 deposit to open; minimum balance of $10,000 required to earn 2.75% APY. Balances under $10,000 earn 0.00% APY.
Offer: Balances under $10,000 earn 0.00% APY.
0.00% interest rate · Effective Oct 1, 2025
Rate by balance
Rate by balance for High Yield Savings Balance APY Up to $10,000 0.00% $10,000 and upYour amount 2.75% Rate checked
More details - 2.70%APY$270 a year on $10,000
Requirements
Product: Must become a member of PenFed Credit Union. Account holders must agree to electronic delivery of account opening disclosures and monthly statements.
2.67% interest rate · No monthly fee · Effective Oct 9, 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
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