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 1–15 of 290 results in Texas
- 7.00%APY$700 a year on $10,000with conditions
Requirements
Product: Promotional installment savings offer available only to individual customers who do not hold a deposit account with Woori America Bank as of June 30, 2026 and as of account opening date (customers with past transaction history are eligible if they do not have an account as of this date). Can only be opened in person at a branch. 12-month maturity term, simple interest credited at maturity, non-compounding, early withdrawal penalty applies. Limited to one deposit per month. Contract amount at maturity is $1,000 to $25,000 (in $1,000 increments). Monthly installment payments must be transferred from a designated Woori America Bank checking account (AFT Account). Single maturity product with no automatic renewal.
Offer: Maximum promotional rate includes 4.00% base APY plus +1.00% APY for enrolling in and maintaining Online Banking, and +2.00% APY for maintaining monthly ACH deposits to Checking Account during the installment term. All conditions must be met within 3 months of opening and remain in effect through maturity. If bonus conditions are not met, base rate applies.
Qualified rate · Balance cap $25,000
Rate checked
More details - 5.12%APY$512 a year on $10,000with conditions
Requirements
Product: Must provide proof of active service (military ID, employee/volunteer ID, paystub, or veterans ID) verifying role as an active first responder, educator, military personnel, healthcare worker, or veteran. At least one account owner must have an open checking account with Citizens Bank.
Offer: Earns 5.00% interest (5.12% APY) on balances up to $50,000. Balances in excess of $50,000 earn the regular savings account rate.
Qualified rate · 5.00% interest rate · Balance cap $50,000
Rate checked
More details - 5.00%APY$500 a year on $10,000with conditions
Requirements
Product: Available to new customers only. 12-month term with simple interest credited at maturity. Early withdrawal penalty applies. Minimum contract deposit amount is $1,000 and maximum contract deposit amount is $15,000. All bonus requirements must be fulfilled within 3 months of account opening and maintained through maturity.
Offer: Includes base rate (3.50% APY) plus +0.50% APY for opening a Woori America Bank Checking Account with monthly ACH deposits of at least $100, +0.50% APY for paperless eStatements, and +0.50% APY for opening a Woori America Bank Credit Card and linking checking account for payments (subject to credit approval).
Qualified rate · Balance cap $15,000 · Effective Apr 29, 2026
Rate checked
More details - 4.25%APY$425 a year on $10,000with conditions
Requirements
Product: Combine this account with a Spirit Cash Back Checking account. Interest compounded and paid monthly based on daily balance. $5 monthly maintenance fee if $100 daily balance requirement is not met. Unlimited debit items per month.
Offer: Earn 4.25% APY on balances up to $250,000 when requirements are met. To earn the premium interest rate, maintain an active Spirit Cash Back Checking account and complete 30+ debit purchases during the statement cycle. The premium rate applies the following month; otherwise, the base rate applies. $5 monthly maintenance fee if $100 daily balance requirement is not met.
Qualified rate · Balance cap $250,000 · $5 monthly fee · Effective Sep 18, 2026
Rate checked
More details - 4.00%APY$400 a year on $10,000with conditions
Requirements
Product: Promotional installment savings offer available only to individual customers who do not hold a deposit account with Woori America Bank as of June 30, 2026 and as of account opening date (customers with past transaction history are eligible if they do not have an account as of this date). Can only be opened in person at a branch. 12-month maturity term, simple interest credited at maturity, non-compounding, early withdrawal penalty applies. Limited to one deposit per month. Contract amount at maturity is $1,000 to $25,000 (in $1,000 increments). Monthly installment payments must be transferred from a designated Woori America Bank checking account (AFT Account). Single maturity product with no automatic renewal.
Offer: Base rate for opening a Checking Account and Welcome High-Yield Installment Savings Account in person at a Woori America Bank branch. There is no minimum balance required to obtain the APY, but the first month's installment deposit is required to open the account.
Qualified rate · Balance cap $25,000
Rate checked
More details - 4.00%APY$400 a year on $10,000
Balance cap $49,999 · Effective Oct 23, 2026
Rate checked
More details - UMB BankUMB Retail Money MarketUMB Retail Money Market · $0 min · 0.10%–3.86% by balance
Bank · 20 branches
3.86%APY$386 a year on $10,000Requirements
Product: Interest paid on tiered balances. Debit card access. Monthly service fee waiver option. Fees and charges may reduce earnings.
Offer: Tier I. Listed for accounts opened online; may vary by region.
0.10% interest rate
Rate by balance
Rate by balance for UMB Retail Money Market Balance APY Up to $10,000 0.10% $10,000 – $25,000Your amountTier II. 3.86% $25,000 – $50,000Tier III. 3.86% $50,000 – $75,000Tier IV. 3.86% $75,000 – $100,000Tier V. 3.86% $100,000 – $1,000,000Tier VI. 3.86% $1,000,000 and upTier VII. 3.86% Rate checked
More details - Texas Capital BankStar High-Yield Savings AccountSavings · $0 min · 2.12%–3.85% by balance
Bank · 9 branches
3.85%APY$385 a year on $10,000Requirements
Product: Limited to individuals with a Texas residential address. If you are not a Texas resident, you will be presented with an offer for our Star Savings Account product.
Offer: Daily balance up to and including $1,000,000 will earn the disclosed annual percentage yield (APY). Texas residency required.
3.78% interest rate · No monthly fee · Effective Oct 30, 2026
Rate by part of balance
Rate by balance for Star High-Yield Savings Account Balance APY Up to $1,000,000 3.85% Over $1,000,000 2.12% Each rate is paid on the part of the balance in its range.
Rate checked
More details - 3.82%APY$382 a year on $10,000
Requirements
Product: Offered exclusively online and may be discontinued at any time without notice. Not available in AZ, CA, ID, NV, OR, TX, UT, NM and WA states. Not available for IRAs or business accounts. Variable-rate account; interest compounded daily and credited monthly. Must fund account and provide required documentation within 20 business days of account opening.
Offer: No minimum opening deposit. No monthly account service charge.
3.75% interest rate · Compounded daily · No monthly fee · Effective May 4, 2026
Rate checked
More details - 3.75%APY$375 a year on $10,000
Requirements
Product: No monthly service fee; up to six withdrawals per monthly statement cycle. Interest paid and statements processed quarterly.
Offer: The interest rate and annual percentage yield may change after opening. Daily balance is the amount of the principal in the account each day. No monthly service fee; up to six withdrawals per monthly statement cycle.
3.70% interest rate · No monthly fee
Rate checked
More details - Capra BankPersonal Money MarketPersonal Money Market · $10,000 min · 0.05%–3.75% by balance
Bank · 1 branch
3.75%APY$375 a year on $10,000with conditionsRequirements
Product: Minimum daily balance of $10,000 to avoid monthly maintenance fee. Monthly maintenance fee waived for account owners under age 18 or over age 65. Up to 6 withdrawals per month at no charge; additional fees apply for subsequent withdrawals. Interest rate and APY are based on account balance and included in Rate Sheet.
Offer: Paid any month where the promotional rate requirements are not met during the promotional period.
Qualified rate · 0.05% interest rate
Rate by balance
Rate by balance for Personal Money Market Balance APY Any balance 0.05% $10,000 and upYour amountOffer available to new customers of Capra Bank on new money. Must have, open and maintain a Summit Checking, G.O.A.T. Checking, or Elevate Checking account. Limited to one household/SSN. Valid on accounts opened by July 31, 2026. Rate may vary after account is opened. After intro period, interest rate converts to applicable rates disclosed in Personal Rate Sheet. 3.75% Rate checked
More details - 3.75%APY$375 a year on $10,000
Requirements
Offer: Maintain a $300 minimum daily balance to avoid the $5.00 monthly maintenance fee. Rate may change after account is opened. If account is closed prior to end of the statement cycle, interest will not be paid for that statement cycle. Savings accounts interest compounds quarterly.
3.70% interest rate · $5 monthly fee · Effective Oct 30, 2026
Rate checked
More details - BankUnitedPromotional Money Market AccountPromotional Money Market Account · $2,500 min
Bank · 1 branch
3.75%APY$375 a year on $10,000intro rateRequirements
Product: Available to new clients who have never held an account with BankUnited, N.A., or existing clients who deposit new funds not currently on deposit with BankUnited. Monthly maintenance fee waived when minimum daily balance is maintained. After the 6-month promotional period, converts to standard Money Market account at the then-current variable APY.
Offer: Promotional APY applies for the first 6 months on all balances. Monthly maintenance fee waived when required minimum daily balance is maintained. After 6 months, converts to variable rate. Available to new clients or existing clients depositing new funds.
Promotional rate · Effective Oct 23, 2026
Rate checked
More details - 3.65%APY$365 a year on $10,000
Requirements
Product: Offered under Texas Capital at Work. If an account remains unfunded for 25 business days, the bank reserves the right to close that account.
Offer: Applies to all balances.
3.58% interest rate
Rate checked
More details - Cornerstone Capital BankPersonal MMDAPersonal MMDA · $50 min · 2.25%–3.65% by balance
Bank · 16 branches
3.55%APY$355 a year on $10,000Requirements
Product: Tiered rates based on balance. Daily balance is the amount of the principal in the account each day. The interest rate and annual percentage yield may change after opening. No monthly minimums or service fees.
Offer: Daily balances up to $4,999.99. Minimum balance to obtain APY is $0.01. Interest rate and annual percentage yield may change after opening.
2.23% interest rate · No monthly fee
Rate by balance
Rate by balance for Personal MMDA Balance APY Up to $5,000 2.25% $5,000 – $10,000 3.35% $10,000 – $100,000Your amount 3.55% $100,000 – $999,999,999 3.65% 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
291 accounts at 119 banks and credit unions · checked Nov 5–7
- Typical
- 0.40%
- Top 10% from
- 3.00%
- Banks, typical
- 0.40%
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Texas
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Rio Grande Valley Credit UnionCredit union · 5 branches
- Harris County Federal Credit UnionCredit union · 1 branch
- Scott and White Employees CUCredit union · 1 branch