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 616–630 results in Texas
- 0.15%APY$15 a year on $10,000
Requirements
Product: Membership eligibility is required. Requires opening and maintaining a minimum of $10 to establish GECU membership.
Offer: Minimum average daily balance of $100 to earn dividends. Dividends are compounded and credited quarterly on the last day of March, June, September, and December. Dividends are paid from current earnings available after transfers to reserves and only after formal declaration by the board of directors.
0.15% interest rate · No monthly fee · Effective Oct 6, 2026
Rate checked
More details - KBR Heritage Federal Credit UnionRegular Share AccountsSavings · $25 min · 0.00%–0.15% by balance
Credit union · 1 branch
0.15%APY$15 a year on $10,000intro rateRequirements
Product: $5 minimum balance secures credit union membership. Earns quarterly dividends.
Offer: For 2nd Quarter of 2026. Paid Quarterly. $5 minimum balance secures membership.
Promotional rate · 0.00% interest rate
Rate by balance
Rate by balance for Regular Share Accounts Balance APY Up to $500 0.00% Over $500Your amount 0.15% Rate checked
More details - United Heritage Credit UnionVIP Money MarketVIP Money Market · $2,500 min · 0.10%–0.40% by balance
Credit union · 11 branches
0.15%APY$15 a year on $10,000Requirements
Product: Membership/Regular or Student Savings required. Regular Savings account required for all checking accounts. Par value of one share is $1. Dividends compounded and paid monthly. No fees if daily minimum balance is maintained. Maximum of 3 checks written per month.
0.10% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for VIP Money Market Balance APY $2,500 – $9,999 0.10% $10,000 – $24,999Your amount 0.15% $25,000 – $99,999 0.30% $100,000 and up 0.40% Rate checked
More details - United Heritage Credit UnionSpecial SavingsSavings · $100 min · 0.15%–0.20% by balance
Credit union · 11 branches
0.15%APY$15 a year on $10,000Requirements
Product: Membership/Regular Savings required.
Offer: Dividends compounded quarterly; paid quarterly on balances exceeding $100.
0.20% interest rate · Compounded quarterly · No monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Special Savings Balance APY $100 – $1,999 0.20% $2,000 and upYour amount 0.15% Rate checked
More details - United Heritage Credit UnionRegular SavingsSavings · $100 min · 0.15%–0.20% by balance
Credit union · 11 branches
0.15%APY$15 a year on $10,000Requirements
Product: Membership required ($1 deposit establishes shared ownership). Required for all savings accounts, CDs, and IRAs.
Offer: Dividends compounded quarterly; paid quarterly on balances exceeding $100.
0.20% interest rate · Compounded quarterly · No monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Regular Savings Balance APY $100 – $1,999 0.20% $2,000 and upYour amount 0.15% Rate checked
More details - First Priority Credit UnionRegular SharesSavings · $25 min · 0.05%–0.15% by balance
Credit union · 1 branch
0.15%APY$15 a year on $10,000Requirements
Product: To be a member, must maintain at least $25.00 in savings account, representing a single share of ownership in the credit union. Average daily balance dividend method; dividends compounded and credited quarterly.
Offer: Minimum balance to earn APY is $25.00.
0.05% interest rate
Rate by balance
Rate by balance for Regular Shares Balance APY Up to $2,000 0.05% $2,000 – $5,000 0.07% $5,000 and upYour amount 0.15% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Monthly service charge of $3.50 waived if you have a $100 minimum daily balance, monthly deposits totaling $10 or more, one account owner under age 25, or own a Frost Plus Account or Frost Premium Account. Allows two free withdrawals per month ($3 per additional withdrawal). Unlimited transfers to an account in your name at Frost.
Offer: Monthly service charge of $3.50 waived with $100 minimum daily balance, monthly deposits totaling $10+, account owner under age 25, or Frost Plus/Frost Premium Account ownership.
0.15% interest rate · $3.50 monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Frost Savings Account Balance APY Up to $15,000Your amount 0.15% $15,000 and up 0.25% Rate checked
More details - FirstLight Federal Credit UnionIndividual Development AccountSavings · $100 min
Credit union · 8 branches
0.15%APY$15 a year on $10,000Requirements
Product: Membership eligibility applies.
Offer: Minimum Average Daily Balance of $100 or more.
0.15% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Membership eligibility applies. Minimum opening deposit is $5. Dividends earned with average daily balance of $100 or more.
Offer: Minimum Average Daily Balance of $100 or more.
0.15% interest rate · Effective Oct 1, 2026
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Compounded and credited monthly. Maintenance fee of $5.00 per month if balance is below $100.00 (no charge if minimum balance is over $99.99). Six transfers/withdrawals allowed per month; $3.00 fee per debit transaction in excess of six per month. Rate may change at any time. Minimum daily balance required to obtain APY. Negotiable on balances of $100,000.00 or more for existing funds.
Offer: Must maintain the minimum daily balance each day to obtain APY. $5.00 monthly fee if balance falls below $100.00.
0.15% interest rate · $5 monthly fee · Effective Oct 6, 2026
Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Unlimited transactions, free of charge.
0.15% interest rate · No monthly fee
Rate checked
More details - MemberSource Credit UnionMoney Market PlusMoney Market Plus · $2,500 min · 0.00%–0.30% by balance
Credit union · 5 branches
0.15%APY$15 a year on $10,000Requirements
Product: Rate is adjusted each Monday based on the leading Money Fund average as published in the Wall Street Journal. A $25 fee will be assessed if the balance falls below $2,500.
0.00% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Plus Balance APY Up to $2,500 0.00% $2,500 – $5,000 0.05% $5,000 – $10,000 0.10% $10,000 – $25,000Your amount 0.15% $25,000 – $50,000 0.20% $50,000 – $100,000 0.25% $100,000 and up 0.30% Rate checked
More details - 0.15%APY$15 a year on $10,000
Requirements
Product: Open and maintain membership with $5. Up to 6 withdrawals monthly ($3 per additional withdrawal).
0.15% interest rate · Effective Oct 1, 2026
Rate checked
More details - USAA Federal Savings BankUSAA Performance First SavingsSavings · $1,000 min · 0.10%–3.00% by balance
Bank · 1 branch
0.15%APY$15 a year on $10,000with conditionsRequirements
Product: Available to eligible USAA members. Enrolling in the Relationship Rates Program and linking an eligible USAA Classic Checking account may qualify the account for higher rates. No monthly service fees.
Offer: Military-Pay Relationship Rate: requires linking eligible USAA Classic Checking account and receiving qualifying direct deposit of at least $1 of U.S. military-related pay from DFAS or U.S. Department of the Treasury.
Qualified rate · No monthly fee · Effective Oct 3, 2026
Rate by balance
Rate by balance for USAA Performance First Savings Balance APY Up to $10,000 0.10% $10,000 – $25,000Your amount 0.15% $25,000 and upPromotional rate offer: Apply for a first eligible USAA Performance First Savings account between August 11, 2026, and November 17, 2026 (11:59 p.m. CT). Deposit at least $25,000 in new money from outside USAA Bank within 30 calendar days of account opening. Earns 3.00% APY for 6 months, after which the rate reverts to the applicable variable APY. Excludes current or former USAA Savings or USAA Performance First Savings owners within the last 6 months, as well as trust/estate/fiduciary accounts. 3.00% $50,000 – $100,000 0.60% $100,000 – $250,000 0.70% $250,000 – $500,000 0.80% $500,000 – $1,000,000 1.10% $1,000,000 and up 1.10% Rate checked
More details - EP Federal Credit UnionRegular SavingsSavings · $100 min · 0.10%–0.15% by balance
Credit union · 1 branch
0.15%APY$15 a year on $10,000Requirements
Product: Initial $10 deposit establishes membership and gives access to other credit union benefits. Provides checking overdraft protection.
Offer: Dividends are compounded and paid monthly. Dividend Rate and APYs are variable and subject to change. If closed prior to dividend payment, accrued dividend is forfeited.
0.10% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Regular Savings Balance APY $100 – $4,999 0.10% $5,000 and upYour amount 0.15% 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
965 accounts at 411 banks and credit unions · checked Oct 22–24
- 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