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 106–120 results in Texas
- 2.00%APY$200 a year on $10,000
2.00% interest rate · Effective Sep 1, 2023
Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Must be linked to a Champion Cash or Champion Cash Back checking account for automatic savings. Qualifications per monthly qualification cycle: at least 12 debit card purchases, at least 1 direct deposit or ACH payment/credit, and enrolled in eStatements. If qualifications are not met, base rate applies.
Offer: When linked checking qualifications are met.
Qualified rate · 1.98% interest rate · No monthly fee · Effective Oct 4, 2023
Rate by balance
Rate by balance for Champion Saver Balance APY Up to $100,000Your amount 2.00% $100,000 and upAPY ranges from 2.00% to 0.83% depending on balance; 0.25%* Rate checked
More details - 2.00%APY$200 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: Relationship rate for Combined Qualifying Balance (CQB) under $5,000. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card).
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for U.S. Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amount 2.00% $25,000 – $50,000 3.50% $50,000 – $100,000 3.50% $100,000 – $99,999,999,999 3.50% Rate checked
More details - 2.00%APY$200 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: Relationship rate for CQB Under $5,000. Requires qualifying relationship product.
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amountRelationship rate for CQB $5,000 to $24,999.99. 2.00% $25,000 – $50,000Relationship rate for CQB $25,000 to $49,999.99. 3.50% $50,000 – $100,000Relationship rate for CQB $50,000 to $99,999.99. 3.50% $100,000 and upRelationship rate for CQB $100,000 and above. 3.50% Rate checked
More details - Abilene Teachers Federal Credit UnionMoney Market Savings AccountMoney Market Savings Account · $0 min · 0.00%–2.63% by balance
Credit union · 4 branches
1.97%APY$197 a year on $10,000Requirements
Product: Minimum balance to earn interest is $2,500.
Offer: Minimum to earn interest is $2,500.
0.00% interest rate
Rate by balance
Rate by balance for Money Market Savings Account Balance APY Up to $2,500 0.00% $2,500 – $10,000 1.87% $10,000 – $25,000Your amount 1.97% $25,000 – $50,000 2.07% $50,000 – $75,000 2.27% $75,000 – $100,000 2.38% $100,000 and up 2.63% Rate checked
More details - Good Year San Angelo Federal Credit UnionShareSavings · $0 min · 1.76%–4.84% by balance
Credit union · 2 branches
1.91%APY$191 a year on $10,000Requirements
Product: Membership eligibility applies (family members, brothers, sisters, children, grand children, aunts, uncles, and in-laws). Account requires subscribing for at least one share. Dividends paid quarterly; future rates may change depending on earned income from loans.
Offer: Quarterly APY
1.75% interest rate · Effective Jul 1, 2025
Rate by balance
Rate by balance for Share Balance APY Up to $10,000 1.76% $10,000 – $30,000Your amount 1.91% $30,000 – $49,000 2.17% $49,000 – $75,000 2.52% $75,000 – $110,000 3.80% $110,000 – $250,000 4.84% Rate checked
More details - Altra Federal Credit UnionBest Life Advantage Tiered SavingsSavings · $0 min · 1.90%–2.40% by balance
Credit union · 4 branches
1.90%APY$190 a year on $10,000intro rateRequirements
Product: Annual Percentage Yield (APY) based on average daily balance. Membership eligibility required. One account per member; personal accounts only. Account balance may be added to at any time; no penalty for withdrawal. No checking or direct deposit required. Limited time offer.
Promotional rate · 1.88% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Best Life Advantage Tiered Savings Balance APY Up to $14,999Your amount 1.90% $15,000 – $49,999 2.00% $50,000 – $74,999 2.10% $75,000 – $99,999 2.20% $100,000 – $149,999 2.30% $150,000 and up 2.40% Rate checked
More details - CPS IBEW FCUMoney Market AccountMoney Market Account · $2,500 min · 1.80%–1.90% by balance
Credit union · 1 branch
1.85%APY$185 a year on $10,000Requirements
Offer: Rate applies to average daily balance tier of $2,500 - $9,999.
1.80% interest rate · Effective May 6, 2025
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 – $9,999 1.80% $10,000 – $24,999Your amount 1.85% $25,000 and up 1.90% Rate checked
More details - First United BankHigh Yield Money MarketHigh Yield Money Market · $100 min · 1.82%–3.44% by balance
Bank · 39 branches
1.82%APY$182 a year on $10,000intro rateRequirements
Product: Requires funding with $5,000 new money within 7 days of account opening or the account may be converted into a standard Money Market account. Minimum balance fees waived when maintaining a minimum balance of $5,000. 90-day introductory interest rate applies to accounts opened on and after September 22, 2026.
Offer: 90-day introductory interest rate of 4.25% followed by base interest rate of 1.00%, resulting in a blended APY of 1.82%.
Promotional rate · Effective Sep 22, 2026
Rate by balance
Rate by balance for High Yield Money Market Balance APY Up to $25,000Your amount 1.82% $25,000 – $500,00090-day introductory interest rate of 4.25% followed by base interest rate of 3.00%, resulting in a blended APY of 3.36%. Minimum $25,000 to earn promotional rate. 3.36% $500,000 and up90-day introductory interest rate of 4.25% followed by base interest rate of 3.10%, resulting in a blended APY of 3.44%. 3.44% Rate checked
More details - SLB Employees Credit UnionPrimary Savings AccountSavings · $100 min · 1.81%–2.88% by balance
Credit union · 1 branch
1.81%APY$181 a year on $10,000Requirements
Product: Establishes SECU membership. Direct Deposit available for paychecks and expense checks. Daily balance of $100 or more earns dividends. Interest calculated on daily balance, paid and compounded monthly.
Offer: Tier 1
1.80% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Primary Savings Account Balance APY $100 – $50,000Your amount 1.81% $50,000 – $100,000Tier 2 2.27% $100,000 – $250,000Tier 3 2.83% Over $250,000Tier 4 2.88% Rate checked
More details - Wellby FinancialWellby Savings PlusSavings · $100 min · 1.26%–3.30% by balance
Credit union · 22 branches
1.77%APY$177 a year on $10,000with conditionsRequirements
Product: Must be at least 18 years of age to open. Tiered rate share account. Bonus rate requires active checking and transaction count.
Offer: Bonus rate tier for balances $0 - $9,999.99. Requires active checking and transactions.
Qualified rate · 1.25% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Wellby Savings Plus Balance APY Up to $10,000 1.26% $10,000 – $25,000Your amount 1.77% $25,000 – $50,000 2.28% $50,000 – $100,000 2.79% $100,000 – $250,000 3.05% $250,000 and up 3.30% Rate checked
More details - SUMA Federal Credit UnionMoney MarketMoney Market · $2,500 min · 1.77%–2.69% by balance
Credit union · 1 branch
1.77%APY$177 a year on $10,0001.75% interest rate · Effective Sep 25, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $99,999Your amount 1.77% $100,000 – $249,999 2.28% $250,000 and up 2.69% Rate checked
More details - RBFCURBFCU Classic Money MarketRBFCU Classic Money Market · $2,500 min · 1.76%–2.43% by balance
Credit union · 65 branches
1.76%APY$176 a year on $10,000Requirements
Product: $2,500 minimum deposit to open account. Dividends compounded and paid monthly. The credit union pays the applicable tiered dividend rate on the total balance in the account. If balance falls below $2,500, the account will automatically revert to the savings account rate at that time, by the end of the business day. Up to six electronic or over-the-phone outgoing transactions/withdrawals per account per month; excessive transaction fee applies thereafter. Unlimited deposits at a branch.
Offer: Rate applied to the entire balance.
1.75% interest rate · No monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for RBFCU Classic Money Market Balance APY $2,500 – $25,000Your amount 1.76% $25,000 – $75,000 1.76% $75,000 – $150,000 2.22% $150,000 and up 2.43% Rate checked
More details - 1.76%APY$176 a year on $10,000
Requirements
Product: Minimum $10,000 to open. Interest is compounded and credited monthly, balance computation method is daily balance. Maintenance fee of $10.00 imposed every statement cycle if balance falls below $1,500.00 any day of the monthly statement cycle.
Offer: Tier 1: $0 - $9,999 (or $9,999.99 or less). Minimum daily balance to obtain APY is $0.01. Maintenance fee of $10.00 waived if balance stays at or above $1,500.00 each day of the statement cycle.
1.25% interest rate · $10 monthly fee · Effective Mar 31, 2026
Rate by balance
Rate by balance for Advantage Account Balance APY Up to $9,999 1.26% $10,000 – $99,999Your amount 1.76% $100,000 and up 2.78% Rate checked
More details - First National Bank of HerefordMoney Market AccountMoney Market Account · $1,000 min · 1.76%–2.02% by balance
Bank · 4 branches
1.76%APY$176 a year on $10,000Requirements
Product: Paid on daily balances above $1,000. Avoid $5 monthly service charge by maintaining a $1,000 minimum daily balance or a $2,000 minimum average daily balance for the month. 6 free transactions per month by pre-authorized automatic, telephone, checks, drafts, debit cards, or other similar order; $5 per transaction in excess thereafter. No interest paid if account closes before statement cycle date.
Offer: Avoid $5 monthly service charge by maintaining a $1,000 minimum daily balance or a $2,000 minimum average daily balance for the month.
1.75% interest rate · $5 monthly fee
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $25,000Your amount 1.76% $25,000 – $50,000 1.92% $50,000 and up 2.02% 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