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 706–720 results in Texas
- 0.10%APY$10 a year on $10,000
Requirements
Product: Requires $5 minimum opening balance to maintain membership. Average daily balance of $100 required to earn disclosed APY. Interest compounded and paid monthly.
Offer: Requires $5 to open and $100 average daily balance to obtain disclosed APY. Interest is compounded and paid monthly.
0.10% interest rate · No monthly fee · Effective Oct 1, 2026
Rate checked
More details - One World BankOWB Variable Rate Money MarketOWB Variable Rate Money Market · $1,000 min · 0.05%–0.65% by balance
Bank · 4 branches
0.10%APY$10 a year on $10,000Requirements
Product: $1,000 minimum opening deposit required. Maintain a minimum daily balance of $3,000 to avoid the $20.00 monthly maintenance fee. Variable rate determined at bank's discretion.
0.05% interest rate · $20 monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for OWB Variable Rate Money Market Balance APY Up to $10,000 0.05% $10,000 – $25,000Your amount 0.10% $25,000 – $50,000 0.15% $50,000 – $100,000 0.25% $100,000 – $500,000 0.35% $500,000 – $1,000,000 0.45% $1,000,000 – $2,000,000 0.55% $2,000,000 and up 0.65% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Included with membership. Pays quarterly dividends on an average daily balance of $100.00 or more. $5 monthly maintenance fee can be avoided by maintaining the required minimum balance.
Offer: Quarterly dividends earned on average daily balance of $100.00 or more. Maintain required minimum balance to avoid $5 monthly maintenance fee.
0.10% interest rate · $5 monthly fee
Rate checked
More details - America's Credit UnionMoney Market Checking AccountMoney Market Checking Account · $2,500 min · 0.05%–0.15% by balance
Credit union · 6 branches
0.10%APY$10 a year on $10,000Requirements
Product: No monthly service fees when the average daily balance is above $500. Allows up to three checks and up to three non-check withdrawals or transfers per month without penalty. Fees could reduce earnings.
Offer: Earns interest on balances from $1,000 to $9,999.99.
0.05% interest rate · Effective Oct 6, 2026
Rate by balance
Rate by balance for Money Market Checking Account Balance APY $1,000 – $10,000 0.05% $10,000 – $25,000Your amount 0.10% $25,000 – $300,000 0.10% $300,000 and up 0.15% Rate checked
More details - 0.10%APY$10 a year on $10,000with conditions
Requirements
Product: Requires Momentum+ Rewards Checking account. Minimum opening deposit of $25. Balances over $75,000 earn APY above deposit maximum (0.10%). Dividend rate subject to change without notice.
Offer: Direct deposit in Momentum+ Rewards Checking below $1,500 (or base rate).
Qualified rate · 0.10% interest rate · No monthly fee · Effective Oct 6, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Basic account to become a credit union member. $5 is your membership share. Dividends are paid and compounded monthly.
0.10% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate checked
More details - Houston Federal Credit UnionRegular SavingsSavings · $5 min · 0.10%–0.15% by balance
Credit union · 10 branches
0.10%APY$10 a year on $10,000Requirements
Product: Must be eligible for Houston Federal Credit Union membership. Opening the account establishes HFCU membership. Must maintain a balance of at least $5 to maintain membership status.
Offer: Earns competitive dividends on entire account balance; rates are subject to change monthly.
0.10% interest rate
Rate by balance
Rate by balance for Regular Savings Balance APY Up to $20,000Your amount 0.10% $20,000 – $100,000 0.10% $100,000 and up 0.15% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Dividends paid quarterly. Requires a $5 minimum balance. Free online banking and e-statements.
Offer: Variable rate. Compounded and credited quarterly using average daily balance method. Minimum balance to avoid a service fee is $0.00. Minimum balance to earn stated APY is $5.00.
0.10% interest rate · No monthly fee · Effective Sep 26, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: IRS Form W9 may be required.
Offer: Variable rate. Compounded and credited quarterly using average daily balance method.
0.10% interest rate · Effective Sep 26, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: Automatically closes after 12 months of a zero balance.
Offer: Variable rate. Compounded and credited quarterly using average daily balance method. Minimum balance to avoid a service fee is $0.00. Minimum balance to earn stated APY is $5.00.
0.10% interest rate · No monthly fee · Effective Sep 26, 2026
Rate checked
More details - BRAZOS VALLEY SCHOOLS CREDIT UNIONRevocable & Irrevocable TrustsSavings · $0 min
Credit union · 12 branches
0.10%APY$10 a year on $10,000Requirements
Product: Proof of trust is required.
Offer: Variable rate. Compounded and credited quarterly using average daily balance method.
0.10% interest rate · Effective Sep 26, 2026
Rate checked
More details - First Mid Bank & TrustMoney Market AccountMoney Market Account · $50 min · 0.05%–0.50% by balance
Bank · 1 branch
0.10%APY$10 a year on $10,000Requirements
Product: Interest earned on the full daily balance by tier. Interest rate and APY may change after account opening. $10 monthly maintenance fee if the daily minimum balance falls below $5,000 during a statement cycle. $2 paper statement fee per statement cycle, waived for age 50 or older or by signing up for eStatements.
Offer: Daily balances $0–$4,999.99. Variable rate. $10 monthly maintenance fee if daily minimum balance falls below $5,000 during a statement cycle. Fees could reduce earnings. Rates current as of the deposit-rates page date (full calendar date not stated).
0.05% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $5,000 0.05% $5,000 – $25,000Your amount 0.10% $25,000 – $50,000 0.20% $50,000 and up 0.50% Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: No minimum balance required. A Special Savings account can be used as a budgeting tool or to keep some of your savings separated from other funds. Dividends are paid quarterly.
0.10% interest rate · Effective Oct 1, 2026
Rate checked
More details - Altra Federal Credit UnionIndexed Tiered SavingsSavings · $0 min · 0.10%–4.32% by balance
Credit union · 4 branches
0.10%APY$10 a year on $10,000Requirements
Product: Dividends compounded monthly and paid monthly. Available to both Business and Retail Members. Rate indexed to 3-month Regular Advance rate of FHLB of Chicago. Floor Rate of 0.50% APY for balances higher than $250,000.00. Limited to balances below $10,000,000.00. Limit 1 Indexed Tiered Savings account per tax reported owner.
0.10% interest rate · Compounded monthly · Effective Oct 1, 2026
Rate by balance
Rate by balance for Indexed Tiered Savings Balance APY Up to $249,999Your amount 0.10% $250,000 – $499,999 3.32% $500,000 – $749,999 3.52% $750,000 – $999,999 3.92% $1,000,000 and up 4.32% Rate checked
More details - First Horizon BankMoney Market SavingsMoney Market Savings · $50 min · 0.10%–0.15% by balance
Bank · 7 branches
0.10%APY$10 a year on $10,000Requirements
Product: $50 minimum opening deposit. The monthly service charge is refunded within 3 business days when the primary or joint account holder has an active Elite Checking account, or if the total combined balance in consumer deposit accounts is at least $5,000. Otherwise, a $9 monthly service charge applies. Tiered interest at money market rates based on daily balance compounded and credited monthly.
Offer: Monthly service charge refunded within 3 business days when linked to an active Elite Checking account or with $5,000+ total combined balance in consumer deposit accounts. Otherwise $9/month.
$9 monthly fee · Effective Sep 28, 2026
Rate by balance
Rate by balance for Money Market Savings Balance APY Up to $24,999Your amount 0.10% $25,000 – $49,999 0.10% $50,000 – $99,999 0.15% $100,000 – $249,999 0.15% $250,000 and up 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