Compare Bank & Credit Union Rates
Best high-yield savings rates
Compare published savings yields, money market accounts included, with minimums, requirements, collection dates and original sources.
Top savings rates
Showing 256–270 results in Houston, TX metro
- 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 - 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: Rates are reviewed quarterly. Rates are subject to change without notice. Contact the credit union to verify rates and find out if there are any fees that could reduce earnings.
Offer: Term / frequency stated as Quarterly.
0.05% interest rate · Effective Sep 21, 2017
Rate checked
More details - Bayou City Federal Credit UnionShare Accounts (Savings)Savings · $25 min · 0.05%–0.10% by balance
Credit union · 2 branches
0.05%APY$5 a year on $10,000Requirements
Product: Basic savings account required for all members of the credit union. $25 minimum balance at all times. Dividends are paid monthly.
Offer: All accounts must remain open through the end of the dividend period to be paid accrued dividends.
Rate by balance
Rate by balance for Share Accounts (Savings) Balance APY Up to $1,000 0.05% $1,001 – $2,500 0.05% $2,501 – $5,000 0.05% $5,001 – $10,000Your amount 0.05% $10,001 – $25,000 0.05% $25,000 and up 0.10% Rate checked
More details - Cy-Fair FCUTandem Advantage Money MarketTandem Advantage Money Market · 0.00%–2.95% by balance
Credit union · 6 branches
0.05%APY$5 a year on $10,000Requirements
Product: Dividends are paid monthly based on average daily balance. Minimum balance of $1,000.00 required to keep account active and earn dividends.
0.00% interest rate · Effective Aug 7, 2026
Rate by balance
Rate by balance for Tandem Advantage Money Market Balance APY Up to $1,000 0.00% $1,000 – $25,000Your amount 0.05% $25,000 – $50,000 0.60% $50,000 – $100,000 2.61% $100,000 – $500,000 2.76% Over $500,000 2.95% Rate checked
More details - Cy-Fair FCUAdvantage Money MarketAdvantage Money Market · 0.00%–0.75% by balance
Credit union · 6 branches
0.05%APY$5 a year on $10,000Requirements
Product: Dividends are paid monthly based on average daily balance. Minimum balance of $1,000.00 required to keep account active and earn dividends.
0.00% interest rate · Effective Aug 7, 2026
Rate by balance
Rate by balance for Advantage Money Market Balance APY Up to $1,000 0.00% $1,000 – $25,000Your amount 0.05% $25,000 – $50,000 0.50% $50,000 – $100,000 0.65% $100,000 – $500,000 0.75% Over $500,000 0.50% Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Looking to save a specific purpose. Dividends are paid at the end of the period from current income and available earnings after required transfers. All accounts must remain open through the end of the period to be paid the accrued dividends.
Offer: No monthly service charge. Fees may reduce earnings. Rates may change without notice. Dividends are paid at the end of the period from current income and available earnings after required transfers. All accounts must remain open through the end of the period to be paid the accrued dividends.
0.05% interest rate · No monthly fee · Effective Dec 19, 2018
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: A Basic Savings account comes with your membership when you open your account. Dividends are paid at the end of the period from current income and available earnings after required transfers. All accounts must remain open through the end of the period to be paid the accrued dividends.
Offer: No monthly service charge. Fees may reduce earnings. Rates may change without notice. Dividends are paid at the end of the period from current income and available earnings after required transfers. All accounts must remain open through the end of the period to be paid the accrued dividends.
0.05% interest rate · No monthly fee · Effective Dec 19, 2018
Rate checked
More details - IBEW Local 66 Federal Credit UnionFamily Savings PlanSavings · $25 min · 0.00%–0.10% by balance
Credit union · 1 branch
0.05%APY$5 a year on $10,000Requirements
Product: Traditional savings account for minors or special purposes. Variable rate subject to change at credit union discretion.
Offer: Monthly maintenance fee waived with daily ledger balance of $100.00 or greater, e-statements and direct deposit, being a minor under 18, or being over 50. Minimum balance to open is $25.00 on fee schedules or $5.00 on product page.
0.00% interest rate · $3 monthly fee
Rate by balance
Rate by balance for Family Savings Plan Balance APY Up to $25 0.00% Up to $50,000Your amountMinimum balance to earn dividends is $100.00 on deposit disclosure or $0.01 on fee schedule. 0.05% $50,000 and up 0.10% Rate checked
More details - IBEW Local 66 Federal Credit UnionRegular SharesSavings · $25 min · 0.00%–0.10% by balance
Credit union · 1 branch
0.05%APY$5 a year on $10,000Requirements
Product: Required for all members to maintain membership. Dividends earn on funds above required share balance. Variable rate subject to change at credit union discretion.
Offer: Monthly maintenance fee waived with daily ledger balance of $25.00 or greater, or with e-statements and direct deposit. Minimum balance to earn dividends is $25.00.
0.00% interest rate · $3 monthly fee
Rate by balance
Rate by balance for Regular Shares Balance APY Up to $25 0.00% Up to $50,000Your amount 0.05% $50,000 and up 0.10% Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.04%–0.05% by balance
Bank · 80 branches
0.04%APY$4 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: Standard 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.
Qualified rate · 0.04% 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 0.04% $10,000 – $25,000Your amount 0.04% $25,000 – $50,000 0.04% $50,000 – $100,000Standard 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. 0.04% $250,000 – $500,000Standard 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% Rate checked
More details - 0.04%APY$4 a year on $10,000
Requirements
Product: Variable rate savings account. $8.00 monthly maintenance fee waived for the first 6 months for new accounts; thereafter waived by maintaining a minimum daily balance of $500 or more, owning a Bank of America Advantage Relationship Banking account, having an account owner under age 25, or being enrolled in BofA Rewards at Preferred Plus, Preferred Honors, or Premier tier. No Overdraft Item Fees. Paper check writing is not permitted. Online new account opening limit is $250,000.
Offer: Standard rate for balances less than $5,000. Variable rate. Applicable to Western North Carolina. $8.00 monthly fee with waiver options ($500 minimum daily balance, owner under 25, Advantage Relationship Banking, or qualifying BofA Rewards tier; fee waived first 6 months for new accounts).
0.04% interest rate · $8 monthly fee · Effective Oct 5, 2026
Rate checked
More details - Texas Bay Credit UnionShare Savings AccountSavings · $100 min · 0.03%–2.27% by balance
Credit union · 9 branches
0.03%APY$3 a year on $10,000Requirements
Product: Minimum average daily balance of $100.00 is required to earn dividends. Simple interest method, paid monthly. Variable rate subject to change.
Offer: Minimum average daily balance of $100.00 to earn dividends.
Effective Oct 13, 2026
Rate by balance
Rate by balance for Share Savings Account Balance APY $100 – $5,000 0.03% $5,000 – $20,000Your amount 0.03% $20,000 – $50,000 0.03% $50,000 – $100,000 0.12% $100,000 – $150,000 0.28% $150,000 – $200,000 0.45% $200,000 – $300,000 0.75% $300,000 – $500,000 1.00% $500,000 – $1,000,000 2.27% $1,000,000 and up 2.27% Rate checked
More details - Memorial Credit UnionPrimary SharesSavings · $200 min · 0.03%–0.07% by balance
Credit union · 5 branches
0.03%APY$3 a year on $10,000Requirements
Product: Initial $5.00 deposit required to open. Dividends are compounded and paid quarterly on average daily balance. $200.00 minimum balance required to earn APY. Up to 2 savings withdrawals per month free; account transfer and withdrawal limitations apply.
Offer: Dividends earned on average daily balance and paid quarterly.
0.03% interest rate · No monthly fee · Effective Sep 1, 2026
Rate by balance
Rate by balance for Primary Shares Balance APY $200 – $20,000Your amount 0.03% $20,000 – $50,000 0.05% $50,000 and up 0.07% 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 Houston, TX metro
302 accounts at 119 banks and credit unions · checked Oct 22–24
- Typical
- 0.24%
- Top 10% from
- 2.35%
- Banks, typical
- 0.25%
- Credit unions, typical
- 0.20%
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Houston, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Harris County Federal Credit UnionCredit union · 1 branch
- Nizari Credit UnionCredit union · 2 branches
- Lubrizol Employees' Credit UnionCredit union · 1 branch