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
- 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 $10,000with 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 · 1 branch
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 - 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 Regular 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 - 0.02%APY$2 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 Prime Checking account. $12 monthly service fee avoided with $3,500 minimum daily balance.
Qualified rate · 0.02% interest rate · $12 monthly fee · Effective Oct 10, 2026
Rate checked
More details - 0.02%APY$2 a year on $10,000with conditions
Requirements
Product: Earn Premier relationship rates when you link the account to a qualifying checking account (Chase Premier Plus Checking, Chase Sapphire Checking, Chase Private Client Checking, J.P. Morgan Private Client Checking Plus, or J.P. Morgan Classic Checking) and make at least 5 customer-initiated transactions in a monthly statement period using your linked checking account. $25 monthly service fee waived with $15,000+ beginning day balance or linked qualifying checking account.
Offer: Relationship rate: requires linked qualifying checking account and at least 5 customer-initiated transactions in a monthly statement period. $25 monthly service fee waived with $15,000+ daily balance or linked qualifying checking account.
Qualified rate · 0.02% interest rate · $25 monthly fee · Effective Oct 2, 2026
Rate checked
More details - 0.02%APY$2 a year on $10,000with conditions
Requirements
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: Standard Rate with qualifying, open Huntington Perks Checking account. Rate applies to ZIP code 43215.
Qualified rate · 0.02% interest rate · Balance cap $2,000,000.99 · $10 monthly fee · Effective Oct 5, 2026
Rate checked
More details - Extraco BanksPremier Plus Money MarketPremier Plus Money Market · $0 min · 0.01%–3.00% by balance
Bank · 3 branches
0.01%APY$1 a year on $10,000Effective Oct 16, 2026
Rate by balance
Rate by balance for Premier Plus Money Market Balance APY Up to $24,999Your amount 0.01% $25,000 – $49,999 0.01% $50,000 – $249,999 2.25% $250,000 – $499,999 2.75% $500,000 and up 3.00% Rate checked
More details - Extraco BanksSmart Rate Money MarketSmart Rate Money Market · $0 min · 0.01%–3.00% by balance
Bank · 3 branches
0.01%APY$1 a year on $10,000Requirements
Product: Monthly service fee of $9.00 waived with an average daily balance of $5,000 per statement cycle between all Extraco deposit accounts, or if 23 years of age or younger or 65 years of age or over. Transfers to another account or third party are limited to 6 per statement cycle. A $5.00 charge applies to mailed paper statements (waived if 23 or younger or 65 or older).
Offer: Monthly service fee of $9.00 waived with average daily balance of $5,000 across all Extraco deposit accounts, or age <= 23 or >= 65.
$9 monthly fee · Effective Oct 16, 2026
Rate by balance
Rate by balance for Smart Rate Money Market Balance APY Up to $24,999Your amount 0.01% $25,000 – $49,999 1.00% $50,000 – $249,999 2.00% $250,000 – $499,999 2.25% $500,000 and up 3.00% Rate checked
More details - 0.01%APY$1 a year on $10,000
Requirements
Product: Standard savings account. $5 monthly service fee can be avoided with $300 minimum daily balance, 1 automatic transfer of $25+ each fee period from linked Wells Fargo checking, 1 automatic transfer of $1+ each business day from linked checking, 1+ Save As You Go transfers from linked checking, or if the primary account owner is 24 years old or under.
Offer: Standard rate. Fee waived with $300 minimum daily balance, 1 automatic transfer of $25+ per fee period, 1 daily automatic transfer of $1+ each business day, 1+ Save As You Go transfer, or primary owner age 24 or under.
0.01% interest rate · $5 monthly fee · Effective Oct 10, 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 Waco, TX
53 accounts at 18 banks and credit unions · checked Oct 16–22
- Typical
- 0.07%
- Top 10% from
- 1.95%
- 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