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 Odessa, TX metro
- UMB BankUMB Retail Money MarketUMB Retail Money Market · $0 min · 0.10%–3.71% by balance
Bank · 1 branch
3.71%APY$371 a year on $10,000Requirements
Product: Interest rates and annual percentage yields (APYs) listed are for accounts opened online. Interest paid on tiered balances; debit card access; monthly service fee waiver option.
Offer: Tier I
0.10% interest rate · Effective Sep 17, 2026
Rate by balance
Rate by balance for UMB Retail Money Market Balance APY Up to $10,000 0.10% $10,000 – $25,000Your amountTier II 3.71% $25,000 – $50,000Tier III 3.71% $50,000 – $75,000Tier IV 3.71% $75,000 – $100,000Tier V 3.71% $100,000 – $1,000,000Tier VI 3.71% $1,000,000 and upTier VII 3.71% Rate checked
More details - First National Bank TexasMoney Market AccountMoney Market Account · $0 min · 0.02%–3.25% by balance
Bank · 3 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 - Frost BankFrost Money Market AccountFrost Money Market Account · $50 min · 0.90%–2.85% by balance
Bank · 3 branches
0.90%APY$90 a year on $10,000Requirements
Product: $0 Monthly Service Charge if you maintain a $15,000 minimum daily balance or if you own a Frost Premium Account; otherwise $15 monthly service charge.
Offer: $0 Monthly Service Charge if you maintain a $15,000 minimum daily balance or own a Frost Premium Account.
0.90% interest rate · $15 monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Frost Money Market Account Balance APY Up to $25,000Your amount 0.90% $25,000 – $50,000 1.00% $50,000 – $100,000 1.15% $100,000 – $250,000 2.15% $250,000 – $1,000,000 2.30% $1,000,000 – $2,500,000 2.35% $2,500,000 – $10,000,000 2.50% $10,000,000 – $20,000,000 2.65% $20,000,000 and up 2.85% Rate checked
More details - West Texas CUMoney MarketMoney Market · $2,500 min · 0.90%–1.15% by balance
Credit union · 2 branches
0.90%APY$90 a year on $10,000Requirements
Product: Limited transactions. Minimum withdrawals/deposits of $100. Dividends accrue daily and are paid monthly.
Offer: Interest paid monthly.
0.90% interest rate · No monthly fee
Rate by balance
Rate by balance for Money Market Balance APY $2,500 and upYour amount 0.90% $25,000 and up 1.15% Rate checked
More details - My Community Credit UnionKasasa SaverSavings · $5 min · 0.75%–0.85% by balance
Credit union · 1 branch
0.85%APY$85 a year on $10,000with conditionsRequirements
Product: Must be linked to a free Kasasa checking account (Kasasa Cash, Kasasa Cash Back, Kasasa Eats, Kasasa Eats (Teen), Kasasa Play, or Kasasa Play (Teen)). Automatic transfers of Kasasa checking earnings to Kasasa Saver. No recurring monthly service charges or fees. Limit 1 account per individual taxpayer identification number.
Offer: Applies when qualifying transactions are met in the linked Kasasa checking account during each Monthly Qualification Cycle (such as direct deposit/ACH, 12 debit card purchases, eStatements, and online banking log-in).
Qualified rate · 0.85% interest rate · No monthly fee · Effective Nov 21, 2024
Rate by balance
Rate by balance for Kasasa Saver Balance APY Up to $25,000Your amount 0.85% Over $25,000 0.75%* 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 - 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 - Southwest Heritage Credit UnionMoney Market AccountMoney Market Account · $1,500 min · 0.50%–1.76% by balance
Credit union · 4 branches
0.50%APY$50 a year on $10,000Requirements
Product: Interest is paid monthly. These accounts have a minimum balance requirement to earn interest.
Offer: Interest paid monthly
0.50% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY $1,500 – $50,000Your amount 0.50% $50,000 – $100,000 1.00% $100,000 – $250,000 1.26% Over $250,000 1.76% Rate checked
More details - First Basin Credit UnionPlatinum Money Market AccountPlatinum Money Market Account · $2,500 min · 0.50%–1.00% by balance
Credit union · 4 branches
0.50%APY$50 a year on $10,0000.50% interest rate · No monthly fee · Effective Mar 3, 2025
Rate by balance
Rate by balance for Platinum Money Market Account Balance APY $2,500 – $24,999Your amount 0.50% $25,000 – $49,999 0.60% $50,000 – $99,999 0.75% $100,000 and up 1.00% Rate checked
More details - 0.40%APY$40 a year on $10,000
- TxDot Credit UnionShare (Savings) AccountSavings · $25 min · 0.10%–0.30% by balance
Credit union · 1 branch
0.30%APY$30 a year on $10,000intro rateRequirements
Product: Serves as share ownership in the credit union. Dividends are calculated by the average daily balance method and dividend rate/percentage yield may change quarterly without notice. Must maintain minimum average daily balance of $25.00 to obtain disclosed APY.
Offer: Average Daily Balance tier: $25.00 to $100.00. Rates declared for 1st Quarter of 2026.
Promotional rate · 0.10% interest rate · Effective Mar 31, 2026
Rate by balance
Rate by balance for Share (Savings) Account Balance APY Up to $100 0.10% $100 – $1,000 0.20% $1,000 – $500,000Your amount 0.30% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Limited to 6 withdrawals per month. Dividends/interest paid quarterly. Not eligible for a debit card. Identification required at opening (Driver's license, Social Security card) and funds for initial opening fee.
Offer: Interest paid quarterly.
0.10% interest rate · No monthly fee
Rate by balance
Rate by balance for Savings Balance APY $5 and up 0.10% $5,000 and upYour amount 0.25% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: An initial $25.00 deposit into a regular Share Account establishes membership and must remain in the account to stay active. No minimum balance requirements and no monthly service charges.
Offer: Dividends paid quarterly. Balance of at least $100 required to earn APY.
0.15% interest rate · No monthly fee · Effective Oct 24, 2025
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Monthly service charge of $3.50 waived if you have a $100 minimum daily balance, monthly deposits totaling $10 or more, one account owner under age 25, or own a Frost Plus Account or Frost Premium Account. Allows two free withdrawals per month ($3 per additional withdrawal). Unlimited transfers to an account in your name at Frost.
Offer: Monthly service charge of $3.50 waived with $100 minimum daily balance, monthly deposits totaling $10+, account owner under age 25, or Frost Plus/Frost Premium Account ownership.
0.15% interest rate · $3.50 monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Frost Savings Account Balance APY Up to $15,000Your amount 0.15% $15,000 and up 0.25% Rate checked
More details - My Community Credit UnionMoney MarketMoney Market · $2,500 min · 0.15%–0.20% by balance
Credit union · 1 branch
0.15%APY$15 a year on $10,000Requirements
Product: Avoid the monthly service fee by maintaining a $2,500 minimum balance. Dividends will be compounded and credited monthly based on Average Daily Balance.
Offer: Minimum balance to earn is $2,500.00. Balance tier $0-25,000.
0.15% interest rate
Rate by balance
Rate by balance for Money Market Balance APY Up to $25,000Your amount 0.15% Over $25,000 0.20% 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 Odessa, TX metro
36 accounts at 15 banks and credit unions · checked Oct 6–22
- Typical
- 0.07%
- Top 10% from
- 0.88%
- Banks, typical
- 0.03%
- Credit unions, typical
- 0.28%
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Odessa, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Complex Community Federal Credit UnionCredit union · 3 branches
- UMB BankBank · 1 branch