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 Wichita Falls, TX metro
- Peoples Bank & Trust CompanyPeoples Money Market AccountPeoples Money Market Account · $2,500 min
Bank · 1 branch
3.00%APY$300 a year on $10,000Requirements
Product: Feature: High Yield Interest Account. $10 service charge avoided with $2500 average balance per statement cycle.
Offer: Service charge of $10 avoided with $2500 avg. balance per statement cycle. Requirements: None.
$10 monthly fee
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 - Union Square Credit UnionMoney MarketMoney Market · $2,500 min · 1.01%–1.76% by balance
Credit union · 4 branches
1.01%APY$101 a year on $10,0001.00% interest rate · Effective Oct 15, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $25,000Your amount 1.01% $25,000 – $100,000 1.26% $100,000 – $500,000 1.51% Over $500,000 1.76% Rate checked
More details - First United BankProsper Money MarketProsper Money Market · $5,000 min · 1.00%–1.10% by balance
Bank · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Interest compounded and paid monthly based on daily balance. Monthly maintenance fee of $15 is charged monthly if daily balance requirement of $5,000 is not met. Limited to 6 debit items per month ($10 per additional debit item).
Offer: $15 monthly maintenance fee waived if minimum daily balance requirement of $5,000 is met.
1.00% interest rate · $15 monthly fee
Rate by balance
Rate by balance for Prosper Money Market Balance APY $5,000 – $25,000Your amount 1.00% $25,000 and up 1.10% Rate checked
More details - Secured Advantage Federal Credit UnionMoney MarketMoney Market · $2,500 min · 1.00%–2.00% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: Minimum balance of $2,500.00 required to open and earn dividends. If balance falls below $2,500.00, dividends are paid at the regular share rate. Rates are variable and subject to change; dividends compounded monthly.
Offer: Dividends compounded monthly. Variable rate.
1.00% interest rate · Compounded monthly · Effective Apr 1, 2025
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $25,000Your amount 1.00% $25,000 – $50,000 1.25% $50,000 – $100,000 1.50% $100,000 – $250,000 1.75% Over $250,000 2.00% Rate checked
More details - 0.80%APY$80 a year on $10,000
Requirements
Product: Interest compounded and paid monthly based on daily balance. Monthly maintenance fee of $10 is charged monthly if daily balance requirement of $1,500 is not met. Limited to 6 debit items per month ($10 per additional debit item).
Offer: Minimum daily balance to obtain APY is $1,500. $10 monthly maintenance fee waived if minimum daily balance requirement is met.
0.80% interest rate · $10 monthly fee
Rate checked
More details - Union Square Credit UnionKasasa SaverSavings · $25 min · 0.50%–0.75% by balance
Credit union · 4 branches
0.75%APY$75 a year on $10,000with conditionsRequirements
Product: Must be linked to a Kasasa Cash or Kasasa Cash Back account. Free account with $25.00 opening deposit.
Offer: Qualify when linked Kasasa Cash or Kasasa Cash Back account earns rewards.
Qualified rate · No monthly fee
Rate by balance
Rate by balance for Kasasa Saver Balance APY Up to $50,000Your amount 0.75% $50,000 and upQualify when linked Kasasa Cash or Kasasa Cash Back account earns rewards; 0.50% Rate checked
More details - 0.75%APY$75 a year on $10,000
Requirements
Product: Interest is compounded and paid quarterly based on daily balance. Limited to 6 debit items per quarter ($3 per additional debit item). $5 maintenance fee charged quarterly if minimum daily balance requirement is not met. Rate may change after the account is opened.
Offer: Minimum daily balance to obtain APY is $100. $5 fee charged quarterly if $100 minimum daily balance requirement is not met. Rate may change after account is opened.
0.75% interest rate
Rate checked
More details - 0.55%APY$55 a year on $10,000with conditions
Requirements
Product: Available to military customers. Requires a Military Advanced Checking account with a minimum automatic funds transfer of $25.00 to keep active. Variable rate subject to change. Limit one account per individual. Reverts to regular savings if requirements are not maintained. 3 free withdrawals per quarter, then $1.50 per withdrawal. $6.50 fee per cycle if daily balance falls below $100.00.
Offer: Tier One: Balances up to $25,000. $5 minimum deposit to open. Variable rate.
Qualified rate · 0.55% interest rate
Rate by balance
Rate by balance for Military Smart Savers Plan Balance APY Up to $25,000Your amount 0.55% $25,001 – $50,000 0.65% $50,000 and up 0.75% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Tiered-rate savings account. $6.50 fee per quarterly cycle if daily balance falls below $100 on any day of cycle (waived with balance above $100 or Direct Deposit relationship). Unlimited withdrawals if daily balance stays at or above $500; if daily balance falls below $500, 3 free withdrawals per cycle, then $1.50 per additional withdrawal. $2 paper statement fee (waived with e-statements). $15 inactivity fee after 3 months inactivity. Minimum to open through mail is $200.
Offer: Tier One: Balances less than $5,000.00. Minimum balance to earn interest and obtain APY is $25. $5 minimum balance to open ($200 by mail).
0.30% interest rate
Rate by balance
Rate by balance for Savings Account Balance APY Up to $5,000 0.30% $5,000 – $50,000Your amount 0.50% $50,000 and up 0.70% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Open to anyone who works, resides, worships or attends school in Archer, Baylor, Clay, Wichita or Wilbarger Counties in Texas, select employee groups, and families of existing members.
Offer: Dividends paid monthly. Calculated on an average daily balance. Rates paid for the most recently ended dividend period(s) and not guaranteed for future periods. APY assumes dividends remain on deposit for at least one year; a withdrawal will reduce earnings.
0.50% interest rate
Rate checked
More details - 0.35%APY$35 a year on $10,000
Requirements
Product: Must open account with $500 of new money (money not already deposited in Peoples Bank & Trust Co.). No broker deposits. All accounts required to be opened in person at a retail location. Variable rate may change after account is opened. $10 service charge avoided with $500 average balance per statement cycle.
Offer: Must open account with $500 of new money not already deposited in Peoples Bank & Trust Co. No broker deposits. Variable rate. Avoid $10 service charge with $500 avg. balance per statement cycle.
$10 monthly fee · Effective Jun 1, 2024
Rate checked
More details - Secured Advantage Federal Credit UnionLife Happens AccountSavings · $0 min · 0.20%–0.50% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: Account minimum balance is $0.00. Same rates and tiers as Regular Shares. Variable rate.
Offer: Account minimum balance $0.00. Same rates and tiers as Regular Shares.
0.20% interest rate · Effective Apr 1, 2025
Rate by balance
Rate by balance for Life Happens Account Balance APY Up to $1,000 0.20% $1,000 – $10,000Your amount 0.25% $10,000 – $25,000 0.30% $25,000 – $50,000 0.35% $50,000 – $100,000 0.40% $100,000 – $250,000 0.45% Over $250,000 0.50% Rate checked
More details - Secured Advantage Federal Credit UnionRegular SharesSavings · $0 min · 0.20%–0.50% by balance
Credit union · 1 branch
0.25%APY$25 a year on $10,000Requirements
Product: Minimum balance of $5.00 required to earn dividends. Dividends compound quarterly. Variable rate.
Offer: Minimum balance of $5.00 required to earn dividends. Dividends compound quarterly.
0.20% interest rate · Effective Apr 1, 2025
Rate by balance
Rate by balance for Regular Shares Balance APY Up to $1,000 0.20% $1,000 – $10,000Your amount 0.25% $10,000 – $25,000 0.30% $25,000 – $50,000 0.35% $50,000 – $100,000 0.40% $100,000 – $250,000 0.45% Over $250,000 0.50% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: All accounts required to be opened in person at a retail location. Variable rate may change after account is opened. $10 service charge avoided with $25 average balance per statement cycle.
Offer: Variable rate. Avoid $10 service charge with $25 avg. balance per statement cycle.
$10 monthly fee · Effective Jun 1, 2024
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 Wichita Falls, TX metro
33 accounts at 12 banks and credit unions · checked Oct 6–22
- Typical
- 0.20%
- Top 10% from
- 1.00%
- Banks, typical
- 0.15%
- Credit unions, typical
- 0.20%
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Texas
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Harris County Federal Credit UnionCredit union · 1 branch
- NAFT Federal Credit UnionCredit union · 3 branches
- Barksdale Federal Credit UnionCredit union · 2 branches