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 841–855 results in Texas
- USAA Federal Savings BankUSAA Performance First SavingsSavings · $1,000 min · 0.05%–0.50% by balance
Bank · 1 branch
0.05%APY$5 a year on $10,000with conditionsRequirements
Product: Available to eligible USAA members. Enrolling in the Relationship Rates Program and linking an eligible USAA Classic Checking account may qualify the account for higher rates. No monthly service fees.
Offer: Standard rate (not enrolled in Relationship Rates) or Base Relationship Rate.
Qualified rate · No monthly fee · Effective Oct 3, 2026
Rate by balance
Rate by balance for USAA Performance First Savings Balance APY Up to $10,000 0.05% $10,000 – $25,000Your amount 0.05% $25,000 – $50,000Premium Relationship Rate: requires linking eligible USAA Classic Checking account and making at least 5 qualifying transactions each month. 0.25% $50,000 – $100,000 0.07% $100,000 – $250,000 0.10% $250,000 – $500,000 0.10% $500,000 – $1,000,000 0.50% $1,000,000 and up 0.50% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: 4 Free Withdrawals Per Quarter, Additional Withdrawals $2 Each. No $10 Quarterly Service Charge if $200 Minimum Daily Current Balance is Maintained. Account Earns Interest on the Daily Current Balance.
Offer: No $10 Quarterly Service Charge if $200 Minimum Daily Current Balance is Maintained.
0.05% interest rate · Effective Apr 29, 2026
Rate checked
More details - First Citizens BankMoney Market AccountMoney Market Account · $500 min · 0.05%–0.15% by balance
Bank · 9 branches
0.05%APY$5 a year on $10,000Requirements
Product: Interest rates for money market savings accounts may vary depending on your area.
Offer: Maintain a $1,000 daily balance to avoid a $10 maintenance fee.
$10 monthly fee
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $999 0.05% $1,000 – $9,999 0.05% $10,000 – $24,999Your amount 0.05% $25,000 – $49,999 0.07% $50,000 – $99,999 0.07% $100,000 – $499,999 0.10% $500,000 and up 0.15% Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Qualifying Direct Deposit. Monthly qualification cycle. See Truth-In-Savings disclosures for fee schedule.
Offer: When qualifications are not met.
Qualified rate
Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Must be linked to a Max Cash Checking or Max Cash Back Checking account. Variable rate account; rates may change without notice. Limit one Max checking account per household.
Offer: Base rate applied to the entire daily balance when qualifications in the linked Max checking account are not met during a Monthly Qualification Cycle.
Qualified rate · 0.05% interest rate · No monthly fee
Rate checked
More details - Laredo Federal Credit UnionMoney MarketMoney Market · $2,500 min · 0.05%–0.15% by balance
Credit union · 3 branches
0.05%APY$5 a year on $10,000Requirements
Product: The minimum balance for Money Market Accounts is $2,500. Rates for Money Market Accounts are tiered based on amount of deposit. Fees and withdrawal of dividend transactions on your account will cause a reduction in earnings. APY assumes dividends will remain in account.
0.05% interest rate · Effective Oct 1, 2023
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $49,000Your amount 0.05% $50,000 – $99,000 0.10% $100,000 and up 0.15% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Opening deposit of $25.00 starts membership with Laredo Federal Credit Union; maintaining the $25.00 minimum deposit is required to remain a member.
0.05% interest rate · Effective Oct 1, 2023
Rate checked
More details - Chocolate Bayou Community Federal Credit UnionSecondary SavingsSavings · $50 min
Credit union · 4 branches
0.05%APY$5 a year on $10,000Requirements
Product: Compounded daily, paid monthly.
Offer: Minimum balance to earn dividends is $50. Compounded daily and paid monthly.
0.05% interest rate · Compounded daily · No monthly fee · Effective Jan 1, 2026
Rate checked
More details - Chocolate Bayou Community Federal Credit UnionPrimary SavingsSavings · $50 min
Credit union · 4 branches
0.05%APY$5 a year on $10,000Requirements
Product: Members may have up to 2 primary basic Savings Accounts. Compounded daily, paid monthly.
Offer: Minimum balance to earn dividends is $50. Compounded daily and paid monthly.
0.05% interest rate · Compounded daily · No monthly fee · Effective Jan 1, 2026
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Dividends compounded and credited monthly. Daily balance method. As a condition of membership, member must purchase and maintain 1 share ($1.00 par value).
Offer: Minimum opening balance is $1; minimum daily balance to earn dividends is $500.
0.05% interest rate · Effective Nov 1, 2025
Rate checked
More details - Amplify Credit UnionPersonal Primary SavingsSavings · $5 min · 0.00%–0.05% by balance
Credit union · 4 branches
0.05%APY$5 a year on $10,000Requirements
Product: Amplify membership required. Federally insured by the NCUA.
0.00% interest rate · No monthly fee · Effective Jan 16, 2026
Rate by balance
Rate by balance for Personal Primary Savings Balance APY Up to $99 0.00% $100 – $2,499 0.05% $2,500 – $4,999 0.05% $5,000 and upYour amount 0.05% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Every member must have a Share (savings) Account. Minimum balance required in the Share Account for the life of the account. Average Daily Balance method used. Dividends compounded and credited quarterly.
Offer: Requires minimum average daily balance of $100.00 to earn the stated APY. Dividends compounded and credited quarterly.
Effective Jul 1, 2013
Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Must be a Texas resident and at least 18 years of age (or have a co-owner). Must have a linked Kasasa Cash or Kasasa Cash Back account which must remain open. Requires eStatements and monthly Direct Deposit/ACH credit on the linked checking account. No monthly service fee.
Offer: Base rate applied to entire daily balance when qualifications in linked Kasasa checking account are not met.
Qualified rate · 0.05% interest rate · No monthly fee · Effective Aug 1, 2024
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Dividend rate and APY are declared at the end of the quarter. Dividend compound period is quarterly.
Offer: Quarterly dividend compound period; rates declared at the end of the quarter.
0.05% interest rate
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: No balance requirement fee if account stays above $2,500. The interest rate and APY may change after account opening. Fees could reduce earnings.
Offer: No balance requirement fee if account stays above $2,500.
Rate by balance
Rate by balance for Money Market Balance APY Up to $10,000Your amount 0.05% $10,000 – $25,000 0.62% Over $25,000 0.10% 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%
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