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 121–135 results in Houston, TX metro
- 0.40%APY$40 a year on $10,000
Requirements
Product: Maintain average daily balance of $300 or more to avoid a $3 Monthly Minimum Balance Fee. Withdrawals or transfers limited to two per month without charge; additional withdrawals incur a $2 Excess Debit Fee. Interest is paid on the Daily Ledger Balance.
Offer: Daily balance less than $2,500 to obtain APY. Monthly fee waived with average daily balance of $300 or more.
0.20% interest rate · $3 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Regular Savings Account Balance APY Up to $2,500 0.20% $2,500 – $10,000 0.30% $10,000 – $25,000Your amount 0.40% $25,000 – $50,000 0.60% $50,000 – $100,000 0.90% $100,000 – $250,000 1.26% $250,000 and up 1.41% Rate checked
More details - Light Commerce Credit UnionSpecial ShareSavings · $100 min · 0.28%–0.40% by balance
Credit union · 1 branch
0.40%APY$40 a year on $10,000Requirements
Product: Minimum opening deposit of $25.00. Minimum daily balance of $100.00 required to avoid a service fee and to earn the stated APY. Tiered rate account where the dividend rate and APY for the met balance range apply to the full balance. Account transfer and withdrawal limitations apply.
Offer: Tier 1: Daily balance of $100.00 to $9,999.99 earns 0.28% dividend rate and 0.28% APY. Whole balance applies once tier is met. Minimum daily balance of $100.00 to avoid a service fee.
0.28% interest rate · Effective Jan 1, 2026
Rate by balance
Rate by balance for Special Share Balance APY $100 – $10,000 0.28% $10,000 and upYour amount 0.40% Rate checked
More details - 5Point Credit UnionMoney Market AccountMoney Market Account · $0 min · 0.20%–1.25% by balance
Credit union · 3 branches
0.40%APY$40 a year on $10,000Requirements
Product: Enjoy a higher rate of return on your balance while keeping the flexibility to make unlimited in-person withdrawals and/or six other transactions monthly. Fees could reduce earnings on this account.
Offer: Fees could reduce earnings on this account.
0.20% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,000 0.20% $2,000 – $25,000Your amount 0.40% $25,000 – $50,000 0.50% $50,000 – $500,000 0.60% $500,000 and up 1.25% Rate checked
More details - Chemcel FCUMoney Market AccountMoney Market Account · $2,000 min · 0.40%–0.60% by balance
Credit union · 1 branch
0.40%APY$40 a year on $10,000Requirements
Product: Avoid the $10 monthly maintenance fee by maintaining a $2,000 minimum balance. 6 free transactions per month by pre-authorized automatic, telephone, checks, drafts, debit cards, or other similar order; $5 per transaction in excess thereafter. $2,000 minimum deposit to open.
Offer: Monthly maintenance fee waived by maintaining a $2,000 minimum balance.
0.39% interest rate · $10 monthly fee · Effective Nov 3, 2025
Rate by balance
Rate by balance for Money Market Account Balance APY $2,000 – $24,999Your amount 0.40% $25,000 – $74,999 0.50% $75,000 and up 0.60% Rate checked
More details - Zions BankMoney Market AccountMoney Market Account · $1,000 min · 0.35%–0.95% by balance
Bank · 57 branches
0.35%APY$35 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 · 0.35% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $100,000Your amount 0.35% $100,000 – $250,000 0.70% $1,000,000 and up 0.95% Rate checked
More details - 0.35%APY$35 a year on $10,000
0.35% interest rate
Rate checked
More details - Energy One Federal Credit UnionStandard Money MarketStandard Money Market · $2,500 min
Credit union · 2 branches
0.30%APY$30 a year on $10,000Requirements
Product: A flexible option for members with moderate balances. Limited to six withdrawals per month. Minimum balance requirements vary by account type and help avoid monthly service charges. Monthly dividend compounding. NCUA insured.
Offer: Tier 1–4
Balance cap $250,000 · Effective Jun 9, 2026
Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Open to Energy One members. Maintain a $100 daily balance to earn quarterly dividends. A $2 monthly service fee applies if balance drops below $100 at any time during the month and member has no other loans or accounts. ATM access included (restrictions may apply).
Offer: Quarterly compounding; requires $100 daily balance to earn dividends. $2 monthly fee waived if balance stays at or above $100 or member has other loans/accounts.
$2 monthly fee · Effective Jun 9, 2026
Rate checked
More details - BOK FinancialPersonal Money MarketPersonal Money Market · $50 min · 0.20%–0.35% by balance
Bank · 12 branches
0.30%APY$30 a year on $10,000Requirements
Product: $7.95 monthly maintenance fee waived by maintaining $1,000 average collected balance for the month. $50 opening deposit required.
0.20% interest rate · $7.95 monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Personal Money Market Balance APY Up to $10,000 0.20% $10,000 – $25,000Your amount 0.30% $25,000 and up 0.35% Rate checked
More details - Woodforest National BankSavings AccountSavings · $25 min · 0.05%–0.30% by balance
Bank · 111 branches
0.30%APY$30 a year on $10,000Requirements
Product: Monthly minimum balance fee of $3.00 is waived if a balance of $200.00 or above is maintained each day in the statement period.
Offer: Tier Under $10,000. Monthly minimum balance fee of $3.00 if balance falls below $200.00 any day in the statement period.
$3 monthly fee · Effective Sep 25, 2026
Rate by balance
Rate by balance for Savings Account Balance APY Over $0 0.05% $10,000 and upYour amount 0.30% Rate checked
More details - Greater Texas Credit UnionMoney Market AccountMoney Market Account · 0.00%–0.50% by balance
Credit union · 1 branch
0.30%APY$30 a year on $10,000Requirements
Product: Dividends paid monthly. Daily Balance Method calculation.
Offer: Daily Balance Method.
0.00% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.00% $2,500 – $25,000Your amount 0.30% $25,000 – $75,000 0.35% $75,000 – $150,000 0.40% $150,000 and up 0.50% Rate checked
More details - IBEW Local 66 Federal Credit UnionUnion Pride Preferred Money Market AccountUnion Pride Preferred Money Market Account · $10,000 min · 0.25%–0.80% by balance
Credit union · 1 branch
0.30%APY$30 a year on $10,000Requirements
Product: Dividends paid monthly on a tiered schedule. Monthly maintenance fee waived if retiree. Minimum balance to earn dividends is $5,000.00. Limited to 3 checks per cycle.
0.25% interest rate · $25 monthly fee
Rate by balance
Rate by balance for Union Pride Preferred Money Market Account Balance APY Up to $10,000 0.25% $10,000 – $25,000Your amount 0.30% $25,000 – $49,999 0.40% $50,000 – $100,000 0.55% Over $100,000 0.80% Rate checked
More details - 0.28%APY$28 a year on $10,000
Requirements
Product: Weekly savings challenge over 52 weeks. Minimum opening deposit is $1.00. Daily balance of $100.00 required to earn stated APY. Account transfer and withdrawal limitations apply.
Offer: Requires minimum daily balance of $100.00 to earn stated APY. Account transfer and withdrawal limitations apply.
0.28% interest rate · Effective Jan 1, 2026
Rate checked
More details - FAA Federal Credit UnionMember SavingsSavings · $5 min · 0.26%–0.31% by balance
Credit union · 1 branch
0.26%APY$26 a year on $10,000Requirements
Product: Basic savings account that establishes and maintains membership with FAA FCU. Variable rates. No monthly service fee.
Offer: Balance required to earn dividends: Less than $50,000. $5 minimum deposit to open and to maintain membership.
0.26% interest rate · No monthly fee · Effective Jan 2, 2026
Rate by balance
Rate by balance for Member Savings Balance APY Up to $50,000Your amount 0.26% $50,000 – $99,999 0.31% Rate checked
More details - Nizari Credit UnionSpecial SharesSavings · $100 min · 0.25%–0.30% by balance
Credit union · 2 branches
0.25%APY$25 a year on $10,0000.25% interest rate · Effective Mar 31, 2026
Rate by balance
Rate by balance for Special Shares Balance APY $100 – $100,000Your amount 0.25% Over $100,000 0.30% 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
* APY calculated from the stated interest rate. Daily compounding is assumed when the institution does not state it.
What savings accounts pay in Houston, TX metro
298 accounts at 119 banks and credit unions · checked Oct 16–23
- Typical
- 0.24%
- Top 10% from
- 2.40%
- Banks, typical
- 0.25%
- Credit unions, typical
- 0.20%
Is your bank paying you enough?
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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