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 766–780 results in Texas
- 0.10%APY$10 a year on $10,000
Requirements
Product: Interest compounded daily and credited monthly. A $1.00 fee per calendar quarter applies if minimum daily balance falls below $25.00 (no charge if $25.00 and above).
Offer: Interest compounded daily. Fee of $1.00 per calendar quarter if minimum daily balance is below $25.00.
0.10% interest rate · Compounded daily · Effective Dec 15, 2025
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Variable interest rate subject to change daily. Monthly maintenance service charge of $5.00 is waived when maintaining a minimum daily balance of $500.00 during each monthly statement cycle. A minimum daily balance of $0.01 is required to keep the account open and earn the stated APY. Interest compounds monthly and credits monthly on statement cycle date.
Offer: Requires a minimum opening balance of $100.00 and a minimum daily balance of $0.01 to earn the stated APY. The $5.00 monthly maintenance service charge is waived if a minimum daily balance of $500.00 is maintained during each monthly statement cycle.
0.10% interest rate · $5 monthly fee · Effective Apr 15, 2024
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: In order to receive the dividends listed, you must carry the minimum that is required. Requires $5 one-time, refundable pledge amount and $5 minimum initial deposit for membership.
Offer: In order to receive the dividends listed, you must carry the minimum that is required.
0.10% interest rate
Rate checked
More details - Farmers Insurance Federal Credit UnionMoney MarketMoney Market · $1,000 min · 0.05%–0.25% by balance
Credit union · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Check-writing abilities; unlimited in-person transactions; all withdrawals must be at least $250; withdrawals can be made by check, phone, email, or online. Membership eligibility required.
Offer: Tier 1: Up to $9,999.99.
Effective Sep 18, 2025
Rate by balance
Rate by balance for Money Market Balance APY Up to $10,000 0.05% $10,000 – $25,000Your amount 0.10% $25,000 – $50,000 0.15% $50,000 – $100,000 0.20% $100,000 and up 0.25% Rate checked
More details - 0.08%APY$8 a year on $10,000with conditions
Requirements
Product: Requires a Premier Checking relationship. $1,000 minimum deposit to open account. No minimum daily balance or monthly fee. Transfer funds, withdraw money or write checks up to 6 times per monthly cycle for free. Rates determined by primary account holder's county of residence in Deposit Footprint (applied to Douglas County, NE 68102).
Qualified rate · 0.08% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY Up to $5,000 0.08% $5,000 – $25,000Your amount 0.08% $25,000 – $100,000 0.10% $100,000 – $500,000 0.10% $500,000 – $1,000,000 0.12% $1,000,000 – $2,500,000 0.12% $2,500,000 and up 0.12% Rate checked
More details - Chocolate Bayou Community Federal Credit UnionMoney Market (EMMA)Money Market (EMMA) · $50 min
Credit union · 4 branches
0.08%APY$8 a year on $10,000Requirements
Product: Share accounts are compounded daily and paid monthly. Rates may change after account is opened.
Offer: Minimum balance to earn dividends is $50. Compounded daily and paid monthly.
0.08% interest rate · Compounded daily · Effective Jan 1, 2026
Rate checked
More details - Energy Capital Credit UnionSavings AccountSavings · $100 min · 0.05%–0.07% by balance
Credit union · 4 branches
0.07%APY$7 a year on $10,000Requirements
Product: Dividends accrue daily and compound monthly. Average daily balance method applies.
Offer: Minimum balance to avoid a fee is $1,000.
Effective Oct 1, 2026
Rate by balance
Rate by balance for Savings Account Balance APY $100 – $9,999 0.05% $10,000 – $24,999Your amount 0.07% $25,000 – $49,999 0.07% $50,000 and up 0.07% Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.07%–0.08% by balance
Bank · 312 branches
0.07%APY$7 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit is $0 online or $25 at a branch. Monthly service charge of $12 waived with an average monthly balance of $5,000 or when linked to a select PNC checking account. Minimum to earn interest is $1.
Offer: PNC TotalRewards Platinum Tier Boost. Requires enrollment in Platinum Tier based on Average Eligible Balance of $500,000 or more.
Qualified rate · 0.07% interest rate · $12 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Premiere Money Market Account Balance APY Up to $10,000 0.07% $10,000 – $25,000Your amount 0.07% $25,000 – $50,000 0.07% $50,000 – $100,000 0.07% $100,000 – $250,000 0.08% $250,000 – $500,000 0.08% $500,000 – $1,000,000 0.08% $1,000,000 and up 0.08% Rate checked
More details - 0.06%APY$6 a year on $10,000intro rate
Requirements
Product: Quarterly dividend period; 3 months term; penalty for early withdrawal or not maintaining minimum balance may apply.
Offer: Quarterly dividend period; 3 months term; early withdrawal or not maintaining minimum balance penalty may apply.
Promotional rate · 0.06% interest rate · Effective Oct 20, 2026
Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.05%–0.07% by balance
Bank · 312 branches
0.06%APY$6 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit is $0 online or $25 at a branch. Monthly service charge of $12 waived with an average monthly balance of $5,000 or when linked to a select PNC checking account. Minimum to earn interest is $1.
Offer: PNC TotalRewards Gold Tier Boost. Requires enrollment in Gold Tier based on Average Eligible Balance of $100,000 to $499,999.99.
Qualified rate · 0.06% interest rate · $12 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Premiere Money Market Account Balance APY Up to $10,000 0.06% $10,000 – $25,000Your amount 0.06% $25,000 – $50,000 0.06% $50,000 – $100,000 0.06% $100,000 – $250,000 0.07% $250,000 – $500,000 0.07% $500,000 – $1,000,000Standard rate tier. Monthly fee waived if avg monthly balance >=$5,000 or linked to select PNC checking. Opening deposit $25 at branches; online opening minimum $0. 0.05% $1,000,000 and upStandard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account. 0.05% Rate checked
More details - USE Credit UnionMoney Market AccountMoney Market Account · $100 min · 0.05%–0.10% by balance
Credit union · 1 branch
0.06%APY$6 a year on $10,000Requirements
Product: $10 monthly service fee waived with a $2,500 minimum average daily balance in money market or $7,500 combined balance between savings, checking, certificate or IRA.
Offer: No minimum balance required to earn monthly dividends. $10 monthly service fee waived with a $2,500 minimum average daily balance in money market or $7,500 combined balance between savings, checking, certificate or IRA.
$10 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.05% $2,500 – $25,000Your amount 0.06% $25,000 and up 0.10% Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.01%–0.06% by balance
Bank · 142 branches
0.06%APY$6 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: Non-Relationship Promotional Rate; requires new money to Huntington (money not currently on deposit in any Huntington account except maturing consumer CDs). Rate applies to ZIP code 43215.
Qualified rate · 0.01% 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 0.01% $5,000 – $2,000,001Your amountStandard Rate with qualifying, open Private Client Account. 0.06% $2,000,001 – $100,000,000,000requires new money to Huntington. Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.01% Rate checked
More details - 0.06%APY$6 a year on $10,000with conditions
Requirements
Product: Must be linked to a free Kasasa checking account (Kasasa Cash, Kasasa Cash Back, Kasasa Eats, Kasasa Eats (Teen), Kasasa Play, or Kasasa Play (Teen)). Automatic transfers of Kasasa checking earnings to Kasasa Saver. No recurring monthly service charges or fees. Limit 1 account per individual taxpayer identification number.
Offer: Base rate earned on all balances when qualifications in the linked Kasasa checking account are not met during the Monthly Qualification Cycle.
Qualified rate · 0.06% interest rate · No monthly fee · Effective Nov 21, 2024
Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Opening deposit of at least $25 required. Monthly maintenance fee of $5 is waived for owners of a U.S. Bank Smartly Checking account, Safe Debit account, U.S. Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Relationship rates require maintaining an eligible qualifying product and vary by Combined Qualifying Balance (CQB).
Offer: Standard rate for any balance without relationship rate qualification.
Qualified rate · 0.05% interest rate · Balance cap $99,999,999,999 · $5 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Variable rate account. Monthly maintenance fee of $5 is waived for owners of a Bank Smartly Checking account, Safe Debit account, Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Higher relationship rates require maintaining an eligible product (Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card) and are determined by Combined Qualifying Balance (CQB).
Offer: Standard interest rate and APY across all balance levels without qualifying relationship product.
Qualified rate · 0.05% interest rate · $5 monthly fee · Effective Oct 5, 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
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%
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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