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 results in Amarillo, TX metro
- 3.03%APY$303 a year on $10,000with conditions
Requirements
Product: Links to free Reward Checking account. Automatic transfers of Reward Checking earnings. Opening deposit waived for minors (under 18) and full-time students.
Offer: Applies to all balances if qualifications are not met in Reward Checking.
Qualified rate · 1.25% interest rate · No monthly fee · Effective Sep 1, 2023
Rate by balance
Rate by balance for Real Saver Balance APY Any balance 1.26% Up to $100,000Your amountQualifying for Reward Checking rewards automatically qualifies for highest Real Saver rate. During each Monthly Qualification Cycle: at least 10 debit card purchases post and settle, at least one direct deposit, ACH credit, or ACH payment transaction, and enrolled in and agree to review eStatements. 3.03% Over $100,000During each Monthly Qualification Cycle: at least 10 debit card purchases post and settle, at least one direct deposit, ACH credit, or ACH payment transaction, and enrolled in and agree to review eStatements. 2.52% Rate checked
More details - First National Bank TexasMoney Market AccountMoney Market Account · $0 min · 0.02%–3.25% by balance
Bank · 2 branches
2.00%APY$200 a year on $10,000Requirements
Offer: The interest rate and APY on this account are subject to change at any time, without notice, after the account is opened. Interest compounded/credited daily/monthly.
0.02% interest rate · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.02% $2,500 – $10,000 0.25% $10,000 – $25,000Your amount 2.00% $25,000 – $50,000 2.50% $50,000 – $100,000 3.00% $100,000 – $250,000 3.25% $250,000 and up 3.25% Rate checked
More details - First National Bank of HerefordMoney Market AccountMoney Market Account · $1,000 min · 1.76%–2.02% by balance
Bank · 1 branch
1.76%APY$176 a year on $10,000Requirements
Product: Paid on daily balances above $1,000. Avoid $5 monthly service charge by maintaining a $1,000 minimum daily balance or a $2,000 minimum average daily balance for the month. 6 free transactions per month by pre-authorized automatic, telephone, checks, drafts, debit cards, or other similar order; $5 per transaction in excess thereafter. No interest paid if account closes before statement cycle date.
Offer: Avoid $5 monthly service charge by maintaining a $1,000 minimum daily balance or a $2,000 minimum average daily balance for the month.
1.75% interest rate · $5 monthly fee
Rate by balance
Rate by balance for Money Market Account Balance APY $1,000 – $25,000Your amount 1.76% $25,000 – $50,000 1.92% $50,000 and up 2.02% Rate checked
More details - 1.55%APY$155 a year on $10,000
Requirements
Product: Competitive interest earnings on your entire balance. Avoid the $1 quarterly service fee by maintaining a $30 minimum daily average balance. $30 minimum deposit to open.
Offer: Avoid the $1 quarterly service fee by maintaining a $30 minimum daily average balance. Interest earnings on entire balance.
Effective Oct 2, 2026
Rate by balance
Rate by balance for Savings Account Balance APY Up to $9,999 1.40% $10,000 – $99,999Your amount 1.55% $100,000 – $999,999 2.15% $1,000,000 and up 3.15% Rate checked
More details - 1.46%APY$146 a year on $10,000
Requirements
Product: Interest paid on $1,000 or more collected balance. Monthly fee of $8 waived if minimum balance is $2,500 for the current statement cycle. Limited check writing to 3rd parties – includes internet transfers. Unlimited in-office transactions.
Offer: Monthly fee of $8 waived if minimum balance is $2,500 for the current statement cycle. Rates subject to change daily.
1.45% interest rate · $8 monthly fee · Effective Sep 30, 2026
Rate checked
More details - Amarillo National BankPersonal Money MarketPersonal Money Market · $1,000 min · 1.40%–3.15% by balance
Bank · 15 branches
1.40%APY$140 a year on $10,000Requirements
Product: Avoid a $4 monthly service fee by maintaining a $1,000 minimum daily average balance.
Offer: Avoid a $4 monthly service fee by maintaining a $1,000 minimum daily average balance.
$4 monthly fee · Effective Oct 2, 2026
Rate by balance
Rate by balance for Personal Money Market Balance APY $1,000 – $49,999Your amount 1.40% $50,000 – $99,999 1.55% $100,000 – $999,999 2.15% $1,000,000 and up 3.15% Rate checked
More details - 1.16%APY$116 a year on $10,000
Requirements
Product: No service fees with online statements. Rates on savings and money market accounts may change at the bank's discretion based on market conditions.
Offer: No service fees with online statements. Fees may reduce earnings. Minimum balance of $1,000.
1.15% interest rate · Effective Jan 7, 2026
Rate checked
More details - 1.10%APY$110 a year on $10,000
Requirements
Product: Avoid the $5 monthly service charge by maintaining a $100 minimum daily balance or a $200 minimum average daily balance for the statement cycle. Service charge of $5 and minimum opening deposit of $100 are waived for minors (under 18) and full-time students. 9 free withdrawals per statement cycle; $1 fee for excess withdrawals thereafter. No interest paid if account closes before statement cycle date.
Offer: $5 monthly service charge waived with $100 minimum daily balance or $200 minimum average daily balance for statement cycle, or for minors and full-time students.
1.10% interest rate · $5 monthly fee
Rate checked
More details - First United BankProsper Money MarketProsper Money Market · $5,000 min · 1.00%–1.10% by balance
Bank · 3 branches
1.00%APY$100 a year on $10,000Requirements
Product: Interest compounded and paid monthly based on daily balance. Monthly maintenance fee of $15 is charged monthly if daily balance requirement of $5,000 is not met. Limited to 6 debit items per month ($10 per additional debit item).
Offer: $15 monthly maintenance fee waived if minimum daily balance requirement of $5,000 is met.
1.00% interest rate · $15 monthly fee
Rate by balance
Rate by balance for Prosper Money Market Balance APY $5,000 – $25,000Your amount 1.00% $25,000 and up 1.10% Rate checked
More details - Woodforest National BankEmerald Elite AccountEmerald Elite Account · $25 min · 1.00%–3.00% by balance
Bank · 2 branches
1.00%APY$100 a year on $10,000Requirements
Product: Tiered money market account. $25.00 monthly minimum balance fee waived if a balance of $10,000.00 or above is maintained each day in the statement period. Up to 6 withdrawals per statement period at no charge ($25.00 fee per excessive withdrawal over 6). Includes custom wallet checks, cashier's checks, money orders, and notary services.
Offer: Emerald Elite 1st Tier. Variable interest rate calculated using daily balance method. $25.00 monthly minimum balance fee waived if a balance of $10,000.00 or above is maintained each day in the statement period.
$25 monthly fee · Effective Sep 14, 2026
Rate by balance
Rate by balance for Emerald Elite Account Balance APY Over $0Your amount 1.00% $100,000 and upEmerald Elite 2nd Tier. 1.50% $250,000 and upEmerald Elite 3rd Tier. 2.00% $500,000 and upEmerald Elite 4th Tier. 3.00% Rate checked
More details - 0.95%APY$95 a year on $10,000
Requirements
Product: The monthly fee is $2, waived for minors (under 18) or with a $200 minimum balance. Interest paid quarterly on collected balances.
Offer: Applies to all daily balances. The monthly fee is $2, waived for minors (under 18) or with a $200 minimum balance.
0.95% interest rate · $2 monthly fee · Effective Sep 30, 2026
Rate checked
More details - 0.80%APY$80 a year on $10,000
Requirements
Product: Interest compounded and paid monthly based on daily balance. Monthly maintenance fee of $10 is charged monthly if daily balance requirement of $1,500 is not met. Limited to 6 debit items per month ($10 per additional debit item).
Offer: Minimum daily balance to obtain APY is $1,500. $10 monthly maintenance fee waived if minimum daily balance requirement is met.
0.80% interest rate · $10 monthly fee
Rate checked
More details - 0.75%APY$75 a year on $10,000
Requirements
Product: Interest is compounded and paid quarterly based on daily balance. Limited to 6 debit items per quarter ($3 per additional debit item). $5 maintenance fee charged quarterly if minimum daily balance requirement is not met. Rate may change after the account is opened.
Offer: Minimum daily balance to obtain APY is $100. $5 fee charged quarterly if $100 minimum daily balance requirement is not met. Rate may change after account is opened.
0.75% interest rate
Rate checked
More details - 0.75%APY$75 a year on $10,000
0.75% interest rate · Effective Oct 14, 2026
Rate checked
More details - 0.75%APY$75 a year on $10,000
Requirements
Product: No service fees with online statements. Rates subject to change. Fees may reduce earnings.
Offer: Rates subject to change. Fees may reduce earnings. No service fees with online statements.
0.75% interest rate · Effective Jan 7, 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 Amarillo, TX metro
42 accounts at 18 banks and credit unions · checked Oct 6–22
- Typical
- 0.50%
- Top 10% from
- 1.45%
- Banks, typical
- 0.75%
- Credit unions, typical
- 0.45%
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Amarillo, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- The People's Federal Credit UnionCredit union · 4 branches
- Amarillo National BankBank · 15 branches
- ALLIANCE Credit UnionCredit union · 1 branch