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 331–345 results in Texas
- Members First Credit UnionMoney MarketMoney Market · $3,000 min · 0.50%–1.00% by balance
Credit union · 4 branches
0.50%APY$50 a year on $10,000Requirements
Product: Interest is paid and compounded monthly on funds from the date of deposit to the date of withdrawal. Minimum balance of $3,000 is required to open.
0.50% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Balance APY $3,000 – $20,000Your amount 0.50% $20,000 – $50,000 0.50% $50,000 – $100,000 0.60% $100,000 and up 1.00% Rate checked
More details - HEB Federal Credit UnionMoney MarketMoney Market · $1,500 min · 0.50%–0.75% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Open a Money Market Account with $1,500 or more. Constant access to funds — make up to six payments from the account each month; unlimited in-person withdrawals. If daily balance falls below disclosed minimum daily balance ($1,500.00), account earns Savings Account dividend rate and APY for that day. $10.00 monthly service charge if average daily balance falls below $1,500.
Offer: Requires $1,500.00 each day to earn APY disclosed. Fee waived if average daily balance is at least $1,500.
0.50% interest rate · $10 monthly fee · Effective Oct 12, 2026
Rate by balance
Rate by balance for Money Market Balance APY $1,500 – $10,000Your amount 0.50% Over $10,000 0.75% Rate checked
More details - 0.50%APY$50 a year on $10,000
- 0.50%APY$50 a year on $10,000
Requirements
Product: $7.50 maintenance fee if balance falls below $200. Up to six withdrawals per statement cycle at no charge; $1 per withdrawal thereafter. Compounded daily, credited quarterly.
Offer: Opening deposit of $200. $7.50 monthly maintenance fee waived if balance stays at or above $200. Fees applied may affect APY.
0.50% interest rate · Compounded daily · $7.50 monthly fee · Effective Oct 1, 2026
Rate checked
More details - Zions BankPremier Money MarketPremier Money Market · $0 min · 0.00%–1.51% by balance
Bank · 77 branches
0.50%APY$50 a year on $10,000with conditionsRequirements
Product: Exclusively for Premier and Premier Elite clients. Tiered variable interest rates calculated using the daily balance method. Limit of 6 withdrawals per monthly statement cycle; excess withdrawal fees may apply (up to 10 excessive transaction fees per cycle). Apply in person.
Offer: Standard tier for Premier/Premier Elite clients. Variable APY; daily balance method. Displaying rates for Idaho and Utah.
Qualified rate · 0.00% interest rate · Effective Oct 7, 2026
Rate by balance
Rate by balance for Premier Money Market Balance APY Up to $5,000 0.00% $5,000 – $100,000Your amountEnhanced/Relationship tier for Premier/Premier Elite clients. 0.50% $100,000 – $250,000Enhanced/Relationship tier for Premier/Premier Elite clients. 0.85% $250,000 – $500,000Enhanced/Relationship tier for Premier/Premier Elite clients. 1.16% $500,000 – $1,000,000Enhanced/Relationship tier for Premier/Premier Elite clients. 1.41% $1,000,000 and upEnhanced/Relationship tier for Premier/Premier Elite clients. 1.51% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Earn competitive interest on balances of $2,500 or more. Avoid the $15 monthly service charge by maintaining a $2,500 minimum daily balance. Limit of six transactions per statement cycle without penalty ($7.50 service charge per withdrawal in excess of six during a statement cycle). Printed and mailed account statements are subject to a $3.00 fee per account, per statement cycle.
Offer: Avoid the $15 monthly service charge by maintaining a $2,500 minimum daily balance.
0.50% interest rate · $15 monthly fee · Effective Sep 1, 2025
Rate checked
More details - Firstmark Credit UnionOn Your Mark® Money Market AccountOn Your Mark® Money Market Account · $250 min · 0.00%–0.50% by balance
Credit union · 12 branches
0.50%APY$50 a year on $10,000Requirements
Product: Opening balance required of $250. Minimum daily balance of $250 to earn dividends/APY. Unlimited transfers and withdrawals. Dividends compounded monthly.
Offer: Less Than $250 tier.
0.00% interest rate · Compounded monthly · Effective Oct 6, 2026
Rate by balance
Rate by balance for On Your Mark® Money Market Account Balance APY Up to $250 0.00% $250 and upYour amount 0.50% Rate checked
More details - Southwest Heritage Credit UnionMoney Market AccountMoney Market Account · $1,500 min · 0.50%–1.76% by balance
Credit union · 5 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 - Smart Financial Credit UnionPersonal Money Market AccountPersonal Money Market Account · $2,500 min · 0.20%–1.50% by balance
Credit union · 12 branches
0.50%APY$50 a year on $10,000Requirements
Product: Minimum opening deposit of $2,500. Monthly service fee of $10 is waived if maintaining a $2,500 minimum daily/average daily balance. If balance falls below $2,500, the interest rate defaults to the checking account rate for that month.
Offer: No monthly service fee when maintaining a $2,500 daily balance; if balance falls below $2,500, interest defaults to checking rate.
0.20% interest rate · $10 monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Personal Money Market Account Balance APY Up to $2,500 0.20% $2,500 – $10,000 0.25% $10,000 – $25,000Your amountMonthly service fee waived when maintaining a $2,500 daily balance. 0.50% $25,000 – $50,000Monthly service fee waived when maintaining a $2,500 daily balance. 0.75% $50,000 – $100,000Monthly service fee waived when maintaining a $2,500 daily balance. 1.00% $100,000 and upMonthly service fee waived when maintaining a $2,500 daily balance. 1.50% Rate checked
More details - The Local Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.50%–1.50% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Dividends are compounded and paid monthly based on daily balance. Must maintain a minimum daily balance to earn the disclosed APY. Account limitations apply with a fee for withdrawals in excess of 2 per calendar month.
Offer: Applies to balances >= $2,500.
Rate by balance
Rate by balance for Money Market Account Balance APY $2,500 and upYour amount 0.50% $25,000 and up 1.50% Rate checked
More details - Santa Fe Federal Credit UnionRegular SavingsSavings · $5 min · 0.25%–0.50% by balance
Credit union · 5 branches
0.50%APY$50 a year on $10,000Requirements
Product: Dividends calculated daily, compounded and paid quarterly. Maintains Santa Fe Federal Credit Union membership.
0.25% interest rate · Effective Sep 29, 2026
Rate by balance
Rate by balance for Regular Savings Balance APY Up to $10,000 0.25% $10,000 and upYour amount 0.50% Rate checked
More details - Santa Fe Federal Credit UnionSpecial SavingsSavings · $5 min · 0.25%–0.50% by balance
Credit union · 5 branches
0.50%APY$50 a year on $10,000Requirements
Product: Save for special occasions like vacations or Christmas. Dividends calculated on daily / average daily balance, compounded and paid quarterly.
0.25% interest rate · Effective Sep 29, 2026
Rate by balance
Rate by balance for Special Savings Balance APY Up to $10,000 0.25% $10,000 and upYour amount 0.50% Rate checked
More details - Openland Credit UnionMembers Advantage Money Market AccountMembers Advantage Money Market Account · $2,500 min · 0.20%–0.80% by balance
Credit union · 11 branches
0.50%APY$50 a year on $10,000Requirements
Product: $2,500.00 Minimum Balance to open. Dividends paid monthly. Service Fee applies if balance drops below minimum.
Effective Oct 1, 2026
Rate by balance
Rate by balance for Members Advantage Money Market Account Balance APY $2,500 – $10,000 0.20% $10,000 – $25,000Your amount 0.50% $25,000 – $100,000 0.60% $100,000 – $350,000 0.70% $350,000 and up 0.80% Rate checked
More details - East Texas Professional Credit UnionMoney Market Plus AccountsMoney Market Plus Accounts · $1,000 min · 0.20%–2.75% by balance
Credit union · 18 branches
0.50%APY$50 a year on $10,000Requirements
Product: Requires approval through ChexSystems. Minimum opening deposit of $1,000. Minimum balance of $1,000 to avoid $7.50 monthly service fee. Dividends earned and paid monthly on balances of $1,000 or more. Up to 6 withdrawals per month. No fee on money orders. Free Online Banking.
Offer: Dividends compounded and credited monthly. Minimum balance of $1,000 to avoid $7.50 monthly service fee.
0.20% interest rate · $7.50 monthly fee
Rate by balance
Rate by balance for Money Market Plus Accounts Balance APY $1,000 – $2,000 0.20% $2,000 – $10,000 0.30% $10,000 – $25,000Your amount 0.50% $25,000 – $50,000 1.01% $50,000 – $100,000 1.26% $100,000 – $200,000 2.02% $200,000 and up 2.75% Rate checked
More details - 0.50%APY$50 a year on $10,000
Requirements
Product: Dividends compounded quarterly and credited quarterly using Average Daily Balance. A penalty is imposed for early withdrawal. Fees could reduce earnings.
Offer: Dividends compounded quarterly and credited quarterly using Average Daily Balance.
0.50% interest rate · Compounded quarterly · Effective Sep 28, 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 Texas
964 accounts at 412 banks and credit unions · checked Oct 16–23
- Typical
- 0.25%
- Top 10% from
- 2.02%
- Banks, typical
- 0.35%
- Credit unions, typical
- 0.25%
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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