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 31–45 results in Waco, TX metro
- 0.10%APY$10 a year on $10,000
Requirements
Product: Interest compounded daily and credited monthly. A $1.00 fee per calendar quarter applies if minimum daily balance falls below $25.00 (no charge if $25.00 and above).
Offer: Interest compounded daily. Fee of $1.00 per calendar quarter if minimum daily balance is below $25.00.
0.10% interest rate · Compounded daily · Effective Dec 15, 2025
Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.07%–0.08% by balance
Bank · 4 branches
0.07%APY$7 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit is $0 online or $25 at a branch. Monthly service charge of $12 waived with an average monthly balance of $5,000 or when linked to a select PNC checking account. Minimum to earn interest is $1.
Offer: PNC TotalRewards Platinum Tier Boost. Requires enrollment in Platinum Tier based on Average Eligible Balance of $500,000 or more.
Qualified rate · 0.07% interest rate · $12 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Premiere Money Market Account Balance APY Up to $10,000 0.07% $10,000 – $25,000Your amount 0.07% $25,000 – $50,000 0.07% $50,000 – $100,000 0.07% $100,000 – $250,000 0.08% $250,000 – $500,000 0.08% $500,000 – $1,000,000 0.08% $1,000,000 and up 0.08% Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.05%–0.07% by balance
Bank · 4 branches
0.06%APY$6 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit is $0 online or $25 at a branch. Monthly service charge of $12 waived with an average monthly balance of $5,000 or when linked to a select PNC checking account. Minimum to earn interest is $1.
Offer: PNC TotalRewards Gold Tier Boost. Requires enrollment in Gold Tier based on Average Eligible Balance of $100,000 to $499,999.99.
Qualified rate · 0.06% interest rate · $12 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Premiere Money Market Account Balance APY Up to $10,000 0.06% $10,000 – $25,000Your amount 0.06% $25,000 – $50,000 0.06% $50,000 – $100,000 0.06% $100,000 – $250,000 0.07% $250,000 – $500,000 0.07% $500,000 – $1,000,000Standard rate tier. Monthly fee waived if avg monthly balance >=$5,000 or linked to select PNC checking. Opening deposit $25 at branches; online opening minimum $0. 0.05% $1,000,000 and upStandard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account. 0.05% Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.01%–0.06% by balance
Bank · 7 branches
0.06%APY$6 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: Non-Relationship Promotional Rate; requires new money to Huntington (money not currently on deposit in any Huntington account except maturing consumer CDs). Rate applies to ZIP code 43215.
Qualified rate · 0.01% 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 0.01% $5,000 – $2,000,001Your amountStandard Rate with qualifying, open Private Client Account. 0.06% $2,000,001 – $100,000,000,000requires new money to Huntington. Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.01% Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.04%–0.05% by balance
Bank · 4 branches
0.05%APY$5 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit is $0 online or $25 at a branch. Monthly service charge of $12 waived with an average monthly balance of $5,000 or when linked to a select PNC checking account. Minimum to earn interest is $1.
Offer: PNC TotalRewards Silver Tier Boost. Requires enrollment in Silver Tier based on Average Eligible Balance of $25,000 to $99,999.99.
Qualified rate · 0.05% interest rate · $12 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Premiere Money Market Account Balance APY Up to $10,000 0.05% $10,000 – $25,000Your amount 0.05% $25,000 – $50,000 0.05% $50,000 – $100,000Standard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account. 0.04% $100,000 – $250,000Standard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account. 0.05% $250,000 – $500,000Standard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account. 0.05% $500,000 – $1,000,000Standard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account. 0.05% $1,000,000 and upStandard rate tier. Monthly fee waived if avg monthly balance >=$5,000 or linked to select PNC checking. Opening deposit $25 at branches; online opening minimum $0. 0.05% Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Savings with check-writing capability. $12 monthly service fee can be avoided with a $3,500 minimum daily balance each fee period. Relationship rates require linking to an eligible checking account (such as Prime Checking or Premier Checking).
Offer: Relationship rate; requires linking to a Premier Checking account. $12 monthly service fee avoided with $3,500 minimum daily balance.
Qualified rate · 0.05% interest rate · $12 monthly fee · Effective Oct 10, 2026
Rate by balance
Rate by balance for Wells Fargo Platinum Savings Balance APY Any balanceYour amount 0.05% $25,000 and upPromotional rate accurate as of 2026-10-07 for new Platinum Savings accounts for customers who do not have an existing Wells Fargo consumer savings account (or ownership in past 30 days). $12 monthly fee avoided with $3,500 minimum daily balance. 3.25% Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Links to free Kasasa Cash or Kasasa Cash Back checking account. Automatic transfers of Kasasa Cash or Kasasa Cash Back rewards. No monthly service fee.
Offer: If qualifications on linked checking account are not met. Applies to entire daily balance.
Qualified rate · 0.05% interest rate · No monthly fee · Effective Aug 29, 2025
Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Links to Free Kasasa Cash or Kasasa Cash Back checking account. Limit one account per SSN. Qualify for Kasasa Saver rewards by meeting monthly qualification cycle requirements in the linked Kasasa Cash or Kasasa Cash Back account (at least 12 check card purchases post and settle, enroll and receive e-statement notices, and enroll and log into online banking).
Offer: Base rate applied to entire balance if monthly qualifications in linked Kasasa Cash or Kasasa Cash Back are not met.
Qualified rate · 0.05% interest rate · No monthly fee · Effective Sep 1, 2023
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Product: Up to 3 complimentary withdrawals per month; $2 withdrawal fee per transaction over three complimentary each month. $100 minimum deposit to open ($25 for minors). Monthly service charge of $3 waived if daily balance of $200 or more is maintained. Rates may change after account opening.
Offer: Opening minimum is $25 for minors. $3 monthly fee waived with $200 minimum daily balance.
0.05% interest rate · $3 monthly fee
Rate checked
More details - First Guaranty BankGuaranty Money MarketGuaranty Money Market · $1,500 min · 0.00%–0.35% by balance
Bank · 1 branch
0.05%APY$5 a year on $10,000Requirements
Product: Waive the $15 monthly service charge by keeping a collected balance of $1,500 in the account each day throughout the statement cycle. Minimum average daily balance of $1,500 to obtain the disclosed annual percentage rate.
Offer: Balances less than $1,500
0.00% interest rate · $15 monthly fee
Rate by balance
Rate by balance for Guaranty Money Market Balance APY Up to $1,500 0.00% $1,500 – $99,999Your amount 0.05% $100,000 – $999,999 0.15% $1,000,000 and up 0.35% Rate checked
More details - 0.05%APY$5 a year on $10,000with conditions
Requirements
Product: Must have a paired Cash Edge or Extra Edge checking account; not offered as a standalone account. Requires e-statements unless enrolled in Edge Plus. Must be of legal age to contract.
Offer: Base rate applied to entire balance for the cycle period if monthly reward qualifications are not met on the paired checking account.
Qualified rate · No monthly fee
Rate checked
More details - PNCPremiere Money Market AccountPremiere Money Market Account · $1 min · 0.04%–0.05% by balance
Bank · 4 branches
0.04%APY$4 a year on $10,000with conditionsRequirements
Product: Minimum opening deposit is $0 online or $25 at a branch. Monthly service charge of $12 waived with an average monthly balance of $5,000 or when linked to a select PNC checking account. Minimum to earn interest is $1.
Offer: Standard Rate. $0 minimum deposit to open online ($25 in branches). $12 monthly fee waived with $5,000 average monthly balance or linked select PNC checking account.
Qualified rate · 0.04% interest rate · $12 monthly fee · Effective Oct 21, 2026
Rate by balance
Rate by balance for Premiere Money Market Account Balance APY Up to $10,000 0.04% $10,000 – $25,000Your amount 0.04% $25,000 – $50,000 0.04% $50,000 – $100,000Standard rate tier. Monthly fee waived if avg monthly balance >=$5,000 or linked to select PNC checking. Opening deposit $25 at branches; online opening minimum $0. 0.04% $250,000 – $500,000Standard rate tier. Monthly fee waived if avg monthly balance >=$5,000 or linked to select PNC checking. Opening deposit $25 at branches; online opening minimum $0. 0.05% Rate checked
More details - 0.04%APY$4 a year on $10,000
Requirements
Product: Variable rate savings account. $8.00 monthly maintenance fee waived for the first 6 months for new accounts; thereafter waived by maintaining a minimum daily balance of $500 or more, owning a Bank of America Advantage Relationship Banking account, having an account owner under age 25, or being enrolled in BofA Rewards at Preferred Plus, Preferred Honors, or Premier tier. No Overdraft Item Fees. Paper check writing is not permitted. Online new account opening limit is $250,000.
Offer: Standard rate for balances less than $5,000. Variable rate. Applicable to Western North Carolina. $8.00 monthly fee with waiver options ($500 minimum daily balance, owner under 25, Advantage Relationship Banking, or qualifying BofA Rewards tier; fee waived first 6 months for new accounts).
0.04% interest rate · $8 monthly fee · Effective Oct 5, 2026
Rate checked
More details - 0.03%APY$3 a year on $10,000
Requirements
Product: Membership required with purchase and maintenance of 1 share ($5.00 par value). Dividends calculated on average daily balance and paid quarterly.
0.00% interest rate · Effective Apr 1, 2023
Rate by balance
Rate by balance for Electronic Savings Balance APY Up to $5,000 0.00% $5,000 – $10,000 0.01% $10,000 – $10,000,000Your amount 0.03% $10,000,000 and up 0.04% Rate checked
More details - 0.03%APY$3 a year on $10,000
Requirements
Product: Membership required with purchase and maintenance of 1 share ($5.00 par value). Dividends calculated on average daily balance and paid quarterly.
0.00% interest rate · Effective Apr 1, 2023
Rate by balance
Rate by balance for Secondary Savings Balance APY Up to $5,000 0.00% $5,000 – $10,000 0.01% $10,000 – $10,000,000Your amount 0.03% $10,000,000 and up 0.04% 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 Waco, TX metro
60 accounts at 21 banks and credit unions · checked Oct 16–22
- Typical
- 0.10%
- Top 10% from
- 1.78%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.35%
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Waco, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Texell Credit UnionCredit union · 1 branch
- GENCO Federal Credit UnionCredit union · 4 branches