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 76–90 results in Houston, TX metro
- Wellby FinancialWellby Savings PlusSavings · $100 min · 0.63%–1.64% by balance
Credit union · 22 branches
0.88%APY$88 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: Standard rate tier for balances $0 - $9,999.99.
Qualified rate · 0.63% 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 0.63% $10,000 – $25,000Your amount 0.88% $25,000 – $50,000 1.13% $50,000 – $100,000 1.38% $100,000 – $250,000 1.51% $250,000 and up 1.64% Rate checked
More details - Beacon Federal Credit UnionMoney MarketMoney Market · $2,500 min · 0.80%–0.95% by balance
Credit union · 4 branches
0.85%APY$85 a year on $10,0000.80% interest rate · No monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $10,000 0.80% $10,000 – $25,000Your amount 0.85% $25,000 and up 0.95% Rate checked
More details - Houston Federal Credit UnionMoney Market AccountMoney Market Account · $2,000 min · 0.00%–1.45% by balance
Credit union · 10 branches
0.85%APY$85 a year on $10,000Requirements
Product: Must be eligible for Houston Federal Credit Union membership and open a share savings account with a $5 minimum deposit. Members can make up to six withdrawals or transfers per month online, but an unlimited number in person or at an ATM.
Offer: Payable November 1, 2026.
0.00% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,000 0.00% $2,000 – $10,000 0.80% $10,000 – $20,000Your amount 0.85% $20,000 – $40,000 1.20% $40,000 – $100,000 1.35% $100,000 and up 1.45% Rate checked
More details - 0.85%APY$85 a year on $10,000
Requirements
Offer: Minimum balance to obtain APY is $2,500. Rates offered may change without notice. Fees may reduce yield.
Effective Aug 28, 2025
Rate checked
More details - City BankMMDA Investment PersonalMMDA Investment Personal · $1,500 min · 0.00%–1.31% by balance
Bank · 2 branches
0.80%APY$80 a year on $10,000Requirements
Product: Variable rate account where interest rate and APY may change at discretion. $12.00 service charge imposed every statement cycle if balance falls below $1,500 any day of the statement cycle. $5.00 service charge per statement cycle for paper statements (avoidable by signing up for free e-statements through online banking).
Offer: A service charge of $12.00 will be imposed every statement cycle if the balance in the account falls below $1,500 any day of the statement cycle.
0.00% interest rate · $12 monthly fee
Rate by balance
Rate by balance for MMDA Investment Personal Balance APY Up to $1,500 0.00% $1,500 – $25,000Your amount 0.80% $25,000 – $50,000Avoid $12.00 fee by maintaining minimum daily balance of $1,500. 1.06% $50,000 – $100,000Avoid $12.00 fee by maintaining minimum daily balance of $1,500. 1.16% $100,000 and upAvoid $12.00 fee by maintaining minimum daily balance of $1,500. 1.31% Rate checked
More details - Chartway Credit UnionMoney Market PlusMoney Market Plus · $10,000 min · 0.75%–4.00% by balance
Credit union · 2 branches
0.75%APY$75 a year on $10,000with conditionsRequirements
Product: Rates displayed include a 0.25% APY Relationship Bonus. To earn the Money Market Plus Relationship Bonus Rate, must maintain any personal or business checking account and an average daily balance (ADB) of $10,000 or more in the Money Market Plus account during the calendar month under the same member number. Fees may reduce earnings.
Offer: Includes 0.25% APY Relationship Bonus with qualifying personal or business checking account and ADB of $10,000 or more.
Qualified rate · 0.50% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Money Market Plus Balance APY $10,000 – $25,000Your amount 0.75% $25,000 – $50,000 0.80% $50,000 – $100,000 0.85% $100,000 – $250,000 2.65% $250,000 – $499,999 2.65% $500,000 – $999,999 3.75% $1,000,000 and up 4.00% Rate checked
More details - BOK FinancialPremier Money MarketPremier Money Market · $50 min · 0.15%–2.50% by balance
Bank · 12 branches
0.75%APY$75 a year on $10,000Requirements
Product: $15 monthly maintenance fee waived by maintaining $10,000 average collected balance for the month. $50 opening deposit required. Earn 0.05% higher interest rate with a Premier or Select Checking account relationship. Free incoming domestic wires and check writing privileges.
0.15% interest rate · $15 monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY Up to $10,000 0.15% $10,000 – $25,000Your amount 0.75% $25,000 – $50,000 2.00% $50,000 – $100,000 2.25% $100,000 – $250,000 2.50% $250,000 and up 2.50% Rate checked
More details - One World BankRocket 88 Personal Money MarketRocket 88 Personal Money Market · $5,000 min · 0.10%–3.75% by balance
Bank · 1 branch
0.75%APY$75 a year on $10,000Requirements
Product: $5,000 minimum opening deposit required. Maintain a $5,000 minimum daily balance to avoid the $20.00 maintenance fee. Variable rate determined daily at bank's discretion.
0.10% interest rate · $20 monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Rocket 88 Personal Money Market Balance APY Up to $5,000 0.10% $5,000 – $25,000Your amount 0.75% $25,000 – $100,000 1.75% $100,000 and up 3.75% Rate checked
More details - 0.75%APY$75 a year on $10,000
- Truity Credit UnionAdvantage Money MarketAdvantage Money Market · $10,000 min · 0.75%–1.10% by balance
Credit union · 2 branches
0.75%APY$75 a year on $10,000Requirements
Product: Balances calculated using the daily balance method. Free transfers/withdrawals limited to six per calendar month or statement cycle.
Offer: $10.00 monthly service charge fee if average daily balance is below $10,000. Tiered dividends. Compounded and credited monthly.
0.74% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Advantage Money Market Balance APY Up to $49,999Your amount 0.75% $50,000 – $99,999 0.90% $100,000 – $199,999 0.95% $200,000 – $499,999 1.00% $500,000 and up 1.10% Rate checked
More details - 0.75%APY$75 a year on $10,000
Requirements
Product: $300 minimum opening deposit. $10 service charge per statement cycle if balance falls below $300 on any day of the statement cycle. $5 service charge per statement cycle for paper statements (free e-statements).
Offer: A $10 service charge is imposed each statement cycle if the balance falls below $300 on any day.
0.00% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Personal Savings Account Balance APY Up to $300 0.00% $300 and upYour amount 0.75% Rate checked
More details - Houston Texas Fire Fighters Federal Credit UnionPrimary SavingsSavings · $5 min
Credit union · 3 branches
0.75%APY$75 a year on $10,000Requirements
Product: Required initial deposit of $5.00 to establish membership. No monthly service charge.
0.75% interest rate · No monthly fee · Effective Mar 27, 2025
Rate checked
More details - Houston Police Credit UnionSecondary SavingsSavings · $200 min · 0.00%–0.75% by balance
Credit union · 3 branches
0.75%APY$75 a year on $10,000Requirements
Product: Dividends compounded daily and paid monthly when a $500.00 balance is maintained.
0.00% interest rate · Compounded daily · Effective Apr 21, 2025
Rate by balance
Rate by balance for Secondary Savings Balance APY Up to $500 0.00% $500 – $2,500 0.75% $2,500 and upYour amountDividend rate and stated APY applicable only if monthly balance is equal to or greater than required minimum monthly balance ($500.00). 0.75% Rate checked
More details - 0.75%APY$75 a year on $10,000
Requirements
Product: Requires maintaining a minimum balance of $25.00 in Primary Share Savings to keep membership active and maintain other accounts. Accounts may be designated as Individual, Joint, Uniform Transfer to Minors Act (UTMA), and Trust.
Offer: Dividends are compounded daily and credited monthly. Minimum balance of $25 required to maintain account and earn dividends.
0.75% interest rate · Compounded daily
Rate checked
More details - Energy Capital Credit UnionHigh-Yield SavingsSavings · $5 min · 0.25%–2.74% by balance
Credit union · 4 branches
0.74%APY$74 a year on $10,000with conditionsRequirements
Product: Dividends accrue daily and compound monthly based on average daily balance. Higher APY tiers apply when paired with an ECCU checking account. Minimum opening deposit is $5.
Offer: With checking account.
Qualified rate · No monthly fee · Effective Jul 1, 2026
Rate by balance
Rate by balance for High-Yield Savings Balance APY Up to $9,999 0.25% $10,000 – $24,999Your amount 0.74% $25,000 – $49,999 1.24% $50,000 – $249,999 1.74% $250,000 – $499,999 2.24% $500,000 – $99,999,999,999 2.74% 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