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 16–30 results in Houston, TX metro
- 3.15%APY$315 a year on $10,000with conditions
Requirements
Offer: Max Rate. Must have a Momentum Max or Momentum Max Plus checking account with a minimum average daily balance of $50,000. Must have $40,000 in monthly merchant volume is required to receive rate. Rate based on prior-month balance and merchant service volume.
Qualified rate · 3.11% interest rate · Effective Oct 6, 2026
Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.02%–3.15% by balance
Bank · 37 branches
3.15%APY$315 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: Promotional Rate with open Huntington Perks Checking account; requires new money to Huntington. Rate applies to ZIP code 43215.
Qualified rate · 0.02% 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 0.02% $5,000 – $2,000,001Your amountNon-Relationship Promotional Rate; 3.15% $2,000,001 – $100,000,000,000Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.02% Rate checked
More details - Monet BankMoney Market AccountMoney Market Account · $2,500 min · 0.00%–3.35% by balance
Bank · 1 branch
3.10%APY$310 a year on $10,000Requirements
Product: No fixed terms or maturities. Aggregate deposit balances limited to $1 million per tax identification number. Minimum deposit to open is $1,000 for branch accounts and $2,500 for online accounts.
Offer: Monthly minimum balance fee of $10.00 assessed if daily balance drops below $1,000 any day of statement cycle.
0.00% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $999 0.00% $1,000 – $24,999Your amount 3.10% $25,000 and up 3.35% Rate checked
More details - 3.04%APY$304 a year on $10,000
Requirements
Product: Avoid the $15 monthly service charge when you maintain a minimum $5,000 balance in the account every day of the statement cycle. 6 free debits per month; $10 each thereafter.
Offer: Must maintain a minimum balance of $5,000 every day of the statement cycle to obtain the disclosed APY and avoid the $15 monthly service charge. Earn an additional 0.10% APY with a qualifying consumer checking account relationship with a balance of $5,000.00 or more at the end of the day prior to the statement cycle.
$15 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $5,000 – $5,000,000Your amount 3.04% Over $5,000,000Maintain a minimum balance of $5,000 every day of the statement cycle to avoid the $15 monthly service charge. 1.25% Rate checked
More details - 3.03%APY$303 a year on $10,000
Requirements
Product: Must maintain a minimum balance of $100.00 to keep account open and earn dividends. Maximum deposit of $1,000.00 per month for individual share savings accounts. Limited to 6 withdrawals/transfers per month (maximum 3 by draft/check/debit).
Offer: Interest/dividends compounded and credited quarterly on balances exceeding $100.00 based on the average daily balance method.
No monthly fee
Rate checked
More details - 3.02%APY$302 a year on $10,000
Rate by balance
Rate by balance for Velocity Money Market Balance APY Up to $24,999Your amount 3.02% Over $24,999 3.85% Rate checked
More details - 3.00%APY$300 a year on $10,000with conditions
Requirements
Product: Primary account owner must also be primary account owner of a First Tech Rewards Checking account and Membership Share Savings account.
Offer: Qualified rate: Requires meeting monthly First Tech Rewards Checking qualification requirements (aggregate spend of at least $1,000/month on debit/credit card, ACH or direct deposits totaling at least $1,000/cycle, and enrollment in electronic statements/disclosures).
Qualified rate · 2.96% interest rate · Effective Oct 1, 2026
Rate checked
More details - 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 - 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 - 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 - Southwest Airlines Federal Credit UnionLUV Fund Money MarketLUV Fund Money Market · $0 min · 2.25%–3.25% by balance
Credit union · 1 branch
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 - 2.65%APY$265 a year on $10,000with conditions
Requirements
Offer: Enhanced Rate. Must have a Momentum Max or Momentum Max Plus checking account with a minimum average daily balance of $50,000 is required to receive rate.
Qualified rate · 2.62% interest rate · Effective Oct 6, 2026
Rate checked
More details - Hanmi BankSimple Money MarketSimple Money Market · $100 min · 0.05%–2.80% by balance
Bank · 2 branches
2.60%APY$260 a year on $10,000Requirements
Product: A maintenance charge of $5.00 will be imposed every statement cycle if the average daily balance for the statement cycle falls below $500.
Offer: Monthly maintenance charge of $5 waived when average daily balance for the statement cycle is $500 or more.
$5 monthly fee · Effective Dec 11, 2025
Rate by balance
Rate by balance for Simple Money Market Balance APY Up to $10,000 0.05% $10,000 – $100,000Your amount 2.60% $100,000 and up 2.80% Rate checked
More details - 2.50%APY$250 a year on $10,000intro rate
Requirements
Product: Must be funded completely with new money (funds not currently on deposit with Chartway Credit Union; funds transferred from IRA accounts not eligible). Chartway senior leadership positions (VP and above), Board of Directors, and volunteers are not eligible. Dividends are paid quarterly.
Offer: Must be funded completely with new money; promotional rate effective as of 1/31/24; dividends paid quarterly.
Promotional rate · 2.50% interest rate · Effective Oct 22, 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 Houston, TX metro
298 accounts at 119 banks and credit unions · checked Oct 15–22
- Typical
- 0.24%
- Top 10% from
- 2.40%
- 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
- Cornerstone Capital BankBank · 1 branch