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 106–120 results in Houston, TX metro
- Zions BankPremier Money MarketPremier Money Market · $0 min · 0.00%–1.51% by balance
Bank · 57 branches
0.50%APY$50 a year on $10,000with conditionsRequirements
Product: Exclusively for Premier and Premier Elite clients. Tiered variable interest rates calculated using the daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Apply in person.
Offer: Standard tier for Premier/Premier Elite clients. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.00% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY Up to $5,000 0.00% $5,000 – $100,000Your amountEnhanced/Relationship tier for Premier/Premier Elite clients. 0.50% $100,000 – $250,000Enhanced/Relationship tier for Premier/Premier Elite clients. 0.85% $250,000 – $500,000Enhanced/Relationship tier for Premier/Premier Elite clients. 1.16% $500,000 – $1,000,000Enhanced/Relationship tier for Premier/Premier Elite clients. 1.41% $1,000,000 and upEnhanced/Relationship tier for Premier/Premier Elite clients. 1.51% Rate checked
More details - Smart Financial Credit UnionPersonal Money Market AccountPersonal Money Market Account · $2,500 min · 0.20%–1.50% by balance
Credit union · 12 branches
0.50%APY$50 a year on $10,000Requirements
Product: Minimum opening deposit of $2,500. Monthly service fee of $10 is waived if maintaining a $2,500 minimum daily/average daily balance. If balance falls below $2,500, the interest rate defaults to the checking account rate for that month.
Offer: No monthly service fee when maintaining a $2,500 daily balance; if balance falls below $2,500, interest defaults to checking rate.
0.20% interest rate · $10 monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Personal Money Market Account Balance APY Up to $2,500 0.20% $2,500 – $10,000 0.25% $10,000 – $25,000Your amountMonthly service fee waived when maintaining a $2,500 daily balance. 0.50% $25,000 – $50,000Monthly service fee waived when maintaining a $2,500 daily balance. 0.75% $50,000 – $100,000Monthly service fee waived when maintaining a $2,500 daily balance. 1.00% $100,000 and upMonthly service fee waived when maintaining a $2,500 daily balance. 1.50% Rate checked
More details - Openland Credit UnionMembers Advantage Money Market AccountMembers Advantage Money Market Account · $2,500 min · 0.20%–0.80% by balance
Credit union · 11 branches
0.50%APY$50 a year on $10,000Requirements
Product: $2,500.00 Minimum Balance to open. Dividends paid monthly. Service Fee applies if balance drops below minimum.
Effective Oct 1, 2026
Rate by balance
Rate by balance for Members Advantage Money Market Account Balance APY $2,500 – $10,000 0.20% $10,000 – $25,000Your amount 0.50% $25,000 – $100,000 0.60% $100,000 – $350,000 0.70% $350,000 and up 0.80% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Credit Human membership begins with an account designed to get you saving. All it takes is a $5 deposit to get started and maintain ownership share. Four free withdrawals per month, $2 fee per withdrawal after that; unlimited free withdrawals with balance of $1,500 or more.
Offer: Dividends paid quarterly on daily balances of $100 or more.
0.50% interest rate · No monthly fee · Effective Oct 2, 2026
Rate checked
More details - Bayer Heritage Federal Credit UnionHigh Yield SavingsSavings · 0.10%–10.00% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Dividends compounded daily and paid monthly. Can be opened and funded via mobile app or online banking using the 'Open New Share' feature, in branch, by phone, or message in mobile banking.
9.53% interest rate · Compounded daily · Effective Oct 1, 2026
Rate by balance
Rate by balance for High Yield Savings Balance APY Up to $1,000 10.00% $1,000 – $50,000Your amount 0.50% Over $50,000 0.10% Rate checked
More details - Energy One Federal Credit UnionPremier One Money MarketPremier One Money Market · $5,000 min · 0.50%–2.00% by balance
Credit union · 2 branches
0.50%APY$50 a year on $10,000Requirements
Product: Designed for higher balances with top dividend tiers. Monthly dividend compounding. Limited to six withdrawals per month.
Offer: Tier 1
Effective Jun 9, 2026
Rate by balance
Rate by balance for Premier One Money Market Balance APY $5,000 and upYour amount 0.50% $20,000 and upTier 2 0.60% $30,000 and upTier 3 0.75% $50,000 and upTier 4 0.80% $100,000 and upTier 5 1.00% $250,000 and upTier 6 2.00% Rate checked
More details - FAA Federal Credit UnionMoney Market SavingsMoney Market Savings · $2,500 min · 0.50%–0.80% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Account is closed if balance drops below $2,500. Rates are variable and may change after opening.
0.50% interest rate · No monthly fee · Effective Jan 2, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY $2,500 – $49,999Your amount 0.50% $50,000 – $99,999 0.65% $100,000 and up 0.80% Rate checked
More details - The First State BankTiered Money MarketTiered Money Market · $2,500 min · 0.50%–2.02% by balance
Bank · 3 branches
0.50%APY$50 a year on $10,000Requirements
Product: $2,500.00 to open. Monthly fee waived on balances over $2,500.00; tiered activity service charge applies on daily balances below $2,500.00.
0.50% interest rate · Effective Sep 10, 2026
Rate by balance
Rate by balance for Tiered Money Market Balance APY $2,500 – $49,999Your amount 0.50% $50,000 – $100,000 1.00% $100,000 and up 2.02% Rate checked
More details - Energy Capital Credit UnionHigh-Yield SavingsSavings · $5 min · 0.24%–1.49% by balance
Credit union · 4 branches
0.49%APY$49 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: Without 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 0.24% $10,000 – $24,999Your amount 0.49% $25,000 – $49,999 0.74% $50,000 – $249,999 0.99% $250,000 – $499,999 1.24% $500,000 – $99,999,999,999 1.49% Rate checked
More details - Advancial Federal Credit UnionMoney MarketMoney Market · $2,500 min · 0.46%–0.56% by balance
Credit union · 4 branches
0.46%APY$46 a year on $10,000Requirements
Product: Advancial membership required (minimum $5 membership share deposit). No monthly service fee. Minimum opening deposit of $2,500. Minimum daily balance of $2,500 is required to earn dividends.
Offer: Minimum opening deposit of $2,500. Earn dividends on balances greater than or equal to $2,500.
0.46% interest rate · No monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 and upYour amount 0.46% $25,000 and up 0.51% $50,000 and up 0.56% Rate checked
More details - 0.45%APY$45 a year on $10,000
Requirements
Product: Interest compounded and credited quarterly. Transfers to third parties by check, POS, or TGB online are prohibited. $5.00 Debit Fee charged for each debit in excess of 5 per month.
Offer: $3 monthly service charge per month of the quarterly statement cycle if average daily balance falls below $200.00.
0.45% interest rate · $3 monthly fee · Effective Oct 12, 2026
Rate checked
More details - Zions BankMoney Market AccountMoney Market Account · $0 min · 0.00%–1.36% by balance
Bank · 57 branches
0.45%APY$45 a year on $10,000with conditionsRequirements
Product: Tiered interest rate calculated using daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Monthly service fee applies if minimum daily balance requirement is not met. Gold Account relationship offers premium rate tiers automatically when linked.
Offer: Standard tier. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.00% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $1,000 0.00% $1,000 – $100,000Your amountRelationship rate tier (e.g., Gold Account relationship). 0.45% $100,000 – $250,000Relationship rate tier (e.g., Gold Account relationship). 0.75% $250,000 – $500,000 0.75% $500,000 – $1,000,000 0.85% $1,000,000 and upRelationship rate tier (e.g., Gold Account relationship). 1.36% Rate checked
More details - Zions BankPremier Money MarketPremier Money Market · $5,000 min · 0.45%–1.46% by balance
Bank · 57 branches
0.45%APY$45 a year on $10,000with conditionsRequirements
Product: Exclusively for Premier and Premier Elite clients. Tiered variable interest rates calculated using the daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Apply in person.
Offer: Standard tier for Premier/Premier Elite clients. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.45% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY $5,000 – $100,000Your amount 0.45% $100,000 – $250,000 0.80% $250,000 – $500,000 1.06% $500,000 – $1,000,000 1.36% $1,000,000 and up 1.46% Rate checked
More details - Brentwood Baptist Federal Credit UnionShare (Savings) AccountSavings · $100 min · 0.05%–0.50% by balance
Credit union · 1 branch
0.45%APY$45 a year on $10,000Requirements
Product: $5.00 joining fee plus a minimum $25.00 share balance must be maintained. Rates may change after account is opened. Required for membership.
0.05% interest rate · Effective Aug 1, 2018
Rate by balance
Rate by balance for Share (Savings) Account Balance APY $100 – $3,000 0.05% $3,000 – $6,000 0.25% $6,000 – $10,000Your amount 0.45% Over $10,000 0.50% Rate checked
More details - 0.40%APY$40 a year on $10,000
Requirements
Product: A $10 monthly maintenance fee applies if the daily balance falls below the $2,500 minimum balance requirement at any time during the month.
Offer: A $10 monthly maintenance fee applies if daily balance falls below $2,500 at any time during the month.
0.02% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,500 0.02% $2,500 – $10,000 0.25% $10,000 – $25,000Your amount 0.40% $25,000 – $50,000 0.60% $50,000 – $100,000 0.80% $100,000 – $250,000 1.00% $250,000 and up 1.25% 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