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 1–15 results in Killeen, TX metro
- 3.50%APY$350 a year on $10,000
Requirements
Product: Limit one Save First Account per membership. Save First Accounts not available on business memberships. Maximum balance is $30,000; deposits exceeding maximum are deposited into primary savings. Dividends are paid quarterly.
Offer: Enhanced APY earned on balances up to $30,000 if there are no withdrawals or transfers from the account during the dividend quarter. Minimum daily balance to earn dividends is $0.01. Minimum to avoid service charge is $0.
No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Save First Balance APY Up to $30,000Your amount 3.50% $30,000 and up 0.00% Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.06%–3.25% by balance
Bank · 9 branches
3.25%APY$325 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 Private Client Account; requires new money to Huntington. Rate applies to ZIP code 43215.
Qualified rate · 0.06% 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 0.06% $5,000 – $2,000,001Your amountPromotional Rate with open Huntington Perks Checking account; 3.25% $2,000,001 – $100,000,000,000Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.06% Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.02%–3.15% by balance
Bank · 9 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 - 2.70%APY$270 a year on $10,000
Requirements
Product: Must become a member of PenFed Credit Union. Account holders must agree to electronic delivery of account opening disclosures and monthly statements.
2.67% interest rate · No monthly fee · Effective Oct 9, 2026
Rate checked
More details - First National Bank TexasMoney Market AccountMoney Market Account · $0 min · 0.02%–3.25% by balance
Bank · 23 branches
2.00%APY$200 a year on $10,000Requirements
Offer: The interest rate and APY on this account are subject to change at any time, without notice, after the account is opened. Interest compounded/credited daily/monthly.
0.02% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.02% $2,500 – $10,000 0.25% $10,000 – $25,000Your amount 2.00% $25,000 – $50,000 2.50% $50,000 – $100,000 3.00% $100,000 – $250,000 3.25% $250,000 and up 3.25% Rate checked
More details - First United BankHigh Yield Money MarketHigh Yield Money Market · $100 min · 1.82%–3.44% by balance
Bank · 1 branch
1.82%APY$182 a year on $10,000intro rateRequirements
Product: Requires funding with $5,000 new money within 7 days of account opening or the account may be converted into a standard Money Market account. Minimum balance fees waived when maintaining a minimum balance of $5,000. 90-day introductory interest rate applies to accounts opened on and after September 22, 2026.
Offer: 90-day introductory interest rate of 4.25% followed by base interest rate of 1.00%, resulting in a blended APY of 1.82%.
Promotional rate · Effective Sep 22, 2026
Rate by balance
Rate by balance for High Yield Money Market Balance APY Up to $25,000Your amount 1.82% $25,000 – $500,00090-day introductory interest rate of 4.25% followed by base interest rate of 3.00%, resulting in a blended APY of 3.36%. Minimum $25,000 to earn promotional rate. 3.36% $500,000 and up90-day introductory interest rate of 4.25% followed by base interest rate of 3.10%, resulting in a blended APY of 3.44%. 3.44% Rate checked
More details - Texell Credit UnionMoney MarketMoney Market · $2,500 min · 1.15%–2.30% by balance
Credit union · 5 branches
1.15%APY$115 a year on $10,000Requirements
Product: Dividends are paid monthly and deposited into the account. Deposits insured up to $500,000.
Effective Jan 1, 2025
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $50,000Your amount 1.15% $50,000 – $100,000 1.30% $100,000 – $250,000 1.95% $250,000 and up 2.30% Rate checked
More details - 1.11%APY$111 a year on $10,000
Requirements
Product: Open with $2,500 deposit; minimum deposit amount $100. Minimum daily balance of $2,500 required to obtain APY. Account remaining below $2,500 minimum balance for extended period will be closed.
Offer: APY based on average daily balance. Minimum daily balance of $2,500 required to obtain disclosed APY.
1.10% interest rate · Effective Nov 9, 2022
Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: Monthly service fee of $7.00 is waived with an average daily balance of $2,500 per statement cycle across all Extraco deposit accounts, or if 23 years of age or younger or 65 years of age or older.
Offer: $7.00 monthly service fee waived with an average daily balance of $2,500 per statement cycle across all Extraco deposit accounts, or if 23 years of age or younger or 65 years of age or older.
$7 monthly fee · Effective Oct 6, 2026
Rate checked
More details - Citizens National BankPremier Money Market AccountPremier Money Market Account · $10,000 min · 0.55%–1.65% by balance
Bank · 1 branch
0.55%APY$55 a year on $10,000Requirements
Product: $15 account maintenance fee waived with $10,000 minimum daily balance. 6 free debits per month; $7.50 for each debit thereafter. Unlimited in-person withdrawals.
Offer: Rates and rewards are variable and may change after the account is opened. Fees may reduce earnings. $15 monthly maintenance fee waived with $10,000 minimum daily balance.
0.55% interest rate · $15 monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Premier Money Market Account Balance APY Up to $25,000Your amount 0.55% $25,000 – $75,000 0.65% $75,000 – $150,000 0.85% $150,000 – $1,000,000 1.65% $1,000,000 and up 1.65% Rate checked
More details - 0.40%APY$40 a year on $10,000
Requirements
Product: Earn competitive interest on the entire balance. $3 account maintenance fee waived with a $300 minimum daily balance.
Offer: $3 account maintenance fee waived with a $300 minimum daily balance.
0.40% interest rate · $3 monthly fee
Rate checked
More details - 0.40%APY$40 a year on $10,000
Requirements
Product: Opening a savings account is the first step to becoming a member of Educators Credit Union. Open this account with a $25 deposit. Minimum balance = $25. Interest paid quarterly. No monthly service fee.
Offer: Interest paid quarterly. Term in Days: 365.
0.40% interest rate · No monthly fee · Effective Sep 25, 2023
Rate checked
More details - A+ Federal Credit UnionTiered Money MarketTiered Money Market · $2,500 min · 0.35%–0.70% by balance
Credit union · 1 branch
0.35%APY$35 a year on $10,000Requirements
Product: Membership required. Insured by NCUA. $1 to open, no monthly fees, and no transfer or withdrawal limit. Minimum to earn dividends is $2,500. Dividends calculated by applying the highest rate based on the balance tier to the entire account balance (calculated by end of day balance, paid monthly). No checks for the Tiered Money Market. No Fiduciary, Guardianship, Association, or Business accounts allowed to open a Tiered Money Market. All accounts screened through ChexSystems.
Offer: Minimum balance to earn dividends is $2,500. Dividends calculated by applying the highest rate based on the balance tier to the entire account balance.
No monthly fee · Effective Oct 15, 2026
Rate by balance
Rate by balance for Tiered Money Market Balance APY $2,500 – $25,000Your amount 0.35% $25,000 – $50,000 0.60% $50,000 – $100,000 0.60% $100,000 – $250,000 0.70% $250,000 and up 0.70% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Limit one Save First Account per membership. Save First Accounts not available on business memberships. Maximum balance is $30,000; deposits exceeding maximum are deposited into primary savings. Dividends are paid quarterly.
Offer: Standard rate applied if any withdrawals or transfers occur during the dividend quarter. Minimum daily balance to earn dividends is $0.01. Minimum to avoid service charge is $0.
Balance cap $30,000 · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Minimum balance of $5 stays on deposit for the life of the account as ownership in the Credit Union. New members pay a $5 lifetime membership fee. Dividends are paid quarterly.
Offer: Minimum daily balance to earn dividends is $100. Minimum to avoid service charge is $0.
No monthly fee · Effective Oct 1, 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 Killeen, TX metro
51 accounts at 19 banks and credit unions · checked Oct 15–22
- Typical
- 0.06%
- Top 10% from
- 1.82%
- Banks, typical
- 0.04%
- Credit unions, typical
- 0.18%
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Killeen, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- PenFed Credit UnionCredit union · 4 branches
- Texell Credit UnionCredit union · 5 branches
- Navy Federal Credit UnionCredit union · 4 branches