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 Katy, TX
- 2.15%APY$215 a year on $10,000with conditions
Requirements
Offer: Core Rate. $100 min daily balance required to avoid a $5 monthly service fee. Rate may change after account is opened.
Qualified rate · 2.13% interest rate · Effective Oct 6, 2026
Rate checked
More details - 2.12%APY$212 a year on $10,000
Requirements
Product: Interest compounded daily on collected balance and paid quarterly.
Offer: Applies to all balances.
2.10% interest rate · Compounded daily
Rate checked
More details - 2.12%APY$212 a year on $10,000
Requirements
Product: Available in all states. Interest compounded daily and credited quarterly.
Offer: Applies to all balances.
2.10% interest rate · Compounded daily · No monthly fee · Effective Sep 30, 2026
Rate checked
More details - First National Bank TexasMoney Market AccountMoney Market Account · $0 min · 0.02%–3.25% by balance
Bank · 33 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 - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Opening deposit of at least $25 required. Monthly maintenance fee of $5 is waived for owners of a U.S. Bank Smartly Checking account, Safe Debit account, U.S. Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Relationship rates require maintaining an eligible qualifying product and vary by Combined Qualifying Balance (CQB).
Offer: Relationship rate for Combined Qualifying Balance (CQB) under $5,000. Requires an eligible open and in-good-standing account (U.S. Bank Smartly Checking, Safe Debit, or U.S. Bank Smartly Visa Signature Card).
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for U.S. Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amount 2.00% $25,000 – $50,000 3.50% $50,000 – $100,000 3.50% $100,000 – $99,999,999,999 3.50% Rate checked
More details - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Variable rate account. Monthly maintenance fee of $5 is waived for owners of a Bank Smartly Checking account, Safe Debit account, Bank Smartly Visa Signature Card, or accounts with a minor under age 18. Higher relationship rates require maintaining an eligible product (Bank Smartly Checking, Safe Debit account, or Bank Smartly Visa Signature Card) and are determined by Combined Qualifying Balance (CQB).
Offer: Relationship rate for CQB Under $5,000. Requires qualifying relationship product.
Qualified rate · 1.00% interest rate · $5 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Bank Smartly Savings Balance APY Up to $5,000 1.00% $5,000 – $25,000Your amountRelationship rate for CQB $5,000 to $24,999.99. 2.00% $25,000 – $50,000Relationship rate for CQB $25,000 to $49,999.99. 3.50% $50,000 – $100,000Relationship rate for CQB $50,000 to $99,999.99. 3.50% $100,000 and upRelationship rate for CQB $100,000 and above. 3.50% Rate checked
More details - Wellby FinancialWellby Savings PlusSavings · $100 min · 1.26%–3.30% by balance
Credit union · 5 branches
1.77%APY$177 a year on $10,000with conditionsRequirements
Product: Must be at least 18 years of age to open. Tiered rate share account. Bonus rate requires active checking and transaction count.
Offer: Bonus rate tier for balances $0 - $9,999.99. Requires active checking and transactions.
Qualified rate · 1.25% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Wellby Savings Plus Balance APY Up to $10,000 1.26% $10,000 – $25,000Your amount 1.77% $25,000 – $50,000 2.28% $50,000 – $100,000 2.79% $100,000 – $250,000 3.05% $250,000 and up 3.30% Rate checked
More details - SUMA Federal Credit UnionMoney MarketMoney Market · $2,500 min · 1.77%–2.69% by balance
Credit union · 1 branch
1.77%APY$177 a year on $10,0001.75% interest rate · Effective Sep 25, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $99,999Your amount 1.77% $100,000 – $249,999 2.28% $250,000 and up 2.69% Rate checked
More details - Credit Human Federal Credit UnionMoney Market SavingsMoney Market Savings · $1,000 min · 0.30%–2.11% by balance
Credit union · 1 branch
1.75%APY$175 a year on $10,000Requirements
Product: Membership eligibility required with a $5.00 deposit in a share savings account. Variable rate calculated daily and subject to change. Up to six free withdrawals per monthly statement cycle ($2 per additional withdrawal). Monthly service fee of $7 is waived with a $1,000 minimum daily balance.
Offer: Monthly service fee waived with a minimum daily balance of $1,000.
0.30% interest rate · $7 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $500 0.30% $500 – $1,000 0.50% $1,000 – $10,000 1.50% $10,000 – $90,000Your amount 1.75% $90,000 and up 2.11% Rate checked
More details - 1.75%APY$175 a year on $10,000
Requirements
Product: Minimum opening balance/deposit is $50.00. Establishes membership in credit union. No monthly service fees. Dividends paid quarterly based on average daily account balance.
Offer: Dividends paid quarterly. Balance tier determines daily dividend rate and APY on average daily balance.
No monthly fee · Effective Jul 1, 2025
Rate by balance
Rate by balance for Share Savings Account Balance APY $100 – $10,000 0.50% $10,000 – $25,000Your amount 1.75% $25,000 – $100,000 2.00% $100,000 and up 3.00% Rate checked
More details - PlainsCapital BankPersonal Money MarketPersonal Money Market · $2,500 min · 1.66%–3.18% by balance
Bank · 4 branches
1.71%APY$171 a year on $10,000Requirements
Product: Rate may change after account is opened. $2,500 daily minimum balance required to earn APY and avoid $10 monthly service fee.
Offer: $2,500 daily minimum balance required to earn APY and avoid $10 monthly service fee.
1.65% interest rate · $10 monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Personal Money Market Balance APY $2,500 – $4,999 1.66% $5,000 – $24,999Your amount 1.71% $25,000 – $99,999 1.81% $100,000 – $499,999 1.92% $500,000 – $999,999 2.22% $1,000,000 – $1,999,999 2.38% $2,000,000 – $4,999,999 2.43% $5,000,000 – $7,499,999 2.78% $7,500,000 and up 3.18% Rate checked
More details - 1.51%APY$151 a year on $10,000
Requirements
Product: Maintain average daily balance of $10,000 or more to avoid a $10 minimum balance fee. Withdrawals or transfers limited to two per month without charge; additional withdrawals charged an Excess Debit Fee of $10 each.
Offer: Daily balance less than $10,000 to obtain APY. Monthly fee waived with average daily balance of $10,000 or more.
0.50% interest rate · $10 monthly fee · Effective Sep 17, 2026
Rate by balance
Rate by balance for High Yield Savings Balance APY Up to $10,000 0.50% $10,000 – $25,000Your amount 1.51% $25,000 – $100,000 2.02% $100,000 – $250,000 2.86% $250,000 – $500,000 3.30% $500,000 and up 3.77% Rate checked
More details - 1.31%APY$131 a year on $10,000
Requirements
Product: A minimum balance of $50.00 in regular shares must be maintained to earn the stated Annual Percentage Rate and Annual Percentage Yield. The interest rate and annual percentage yield may change at any time, as determined by the credit union board of directors.
Offer: Minimum balance of $50.00 must be maintained to earn the stated rate.
1.25% interest rate · Effective Jul 1, 2026
Rate by balance
Rate by balance for Share Accounts Balance APY Up to $5,000 1.26% $5,000 – $10,000Your amount 1.31% Over $10,000 1.36% Rate checked
More details - InvesTex Credit UnionMoney MarketMoney Market · $0 min · 0.00%–1.46% by balance
Credit union · 4 branches
1.26%APY$126 a year on $10,0000.00% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY Up to $5,000 0.00% $5,000 – $20,000Your amount 1.26% $20,000 and up 1.46% Rate checked
More details - 1.26%APY$126 a year on $10,000
Requirements
Product: No minimum balance requirements. Access to all the benefits of membership at HPCU. Blended rate of tiered rate structure.
Offer: Compounded and paid monthly.
1.25% interest rate · Effective Apr 21, 2025
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 Katy, TX
241 accounts at 93 banks and credit unions · checked Oct 15–22
- Typical
- 0.20%
- Top 10% from
- 2.35%
- Banks, typical
- 0.25%
- Credit unions, typical
- 0.20%
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Find your bank or credit union to see all its rates and how they compare near you.
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