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 Bay City, TX metro
- First National Bank TexasMoney Market AccountMoney Market Account · $0 min · 0.02%–3.25% by balance
Bank · 1 branch
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 - 1.00%APY$100 a year on $10,000with conditions
Requirements
Product: Your Share Savings gets upgraded to a High-Yield Savings when you open a High-Yield Checking account.
Offer: Requires opening a High-Yield Checking account and meeting eligibility requirements (enrollment in eDocuments, recurring direct deposit totaling $500+ per month to HYC, and 10+ POS debit card withdrawals of $1+ per month).
Qualified rate · Effective Oct 16, 2026
Rate by balance
Rate by balance for High-Yield Savings Balance APY Up to $50,000Your amount 1.00% Over $50,000Requires opening a High-Yield Checking account and meeting eligibility requirements. 0.25% Rate checked
More details - First Service Credit UnionMoney Market AccountMoney Market Account · $1 min · 0.10%–1.25% by balance
Credit union · 1 branch
1.00%APY$100 a year on $10,000Requirements
Product: No monthly service charge. Start account with $1.
Offer: Dividends are compounded and credited monthly.
0.10% interest rate · No monthly fee · Effective May 26, 2026
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.10% $2,500 – $25,000Your amount 1.00% $25,000 – $50,000 1.05% $50,000 – $100,000 1.10% $100,000 – $250,000 1.15% $250,000 – $500,000 1.20% $500,000 and up 1.25% Rate checked
More details - Woodforest National BankEmerald Elite AccountEmerald Elite Account · $25 min · 1.00%–3.00% by balance
Bank · 1 branch
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 - The First State BankTiered Money MarketTiered Money Market · $2,500 min · 0.50%–2.02% by balance
Bank · 2 branches
0.50%APY$50 a year on $10,000Requirements
Product: $2,500.00 to open. Monthly fee waived on balances over $2,500.00; tiered activity service charge applies on daily balances below $2,500.00.
0.50% interest rate · Effective Sep 10, 2026
Rate by balance
Rate by balance for Tiered Money Market Balance APY $2,500 – $49,999Your amount 0.50% $50,000 – $100,000 1.00% $100,000 and up 2.02% Rate checked
More details - 0.40%APY$40 a year on $10,000
Requirements
Product: A $10 monthly maintenance fee applies if the daily balance falls below the $2,500 minimum balance requirement at any time during the month.
Offer: A $10 monthly maintenance fee applies if daily balance falls below $2,500 at any time during the month.
0.02% interest rate · $10 monthly fee
Rate by balance
Rate by balance for Money Market Balance APY Up to $2,500 0.02% $2,500 – $10,000 0.25% $10,000 – $25,000Your amount 0.40% $25,000 – $50,000 0.60% $50,000 – $100,000 0.80% $100,000 – $250,000 1.00% $250,000 and up 1.25% Rate checked
More details - 0.30%APY$30 a year on $10,000
Requirements
Product: Monthly minimum balance fee of $3.00 is waived if a balance of $200.00 or above is maintained each day in the statement period.
Offer: Tier Under $10,000. Monthly minimum balance fee of $3.00 if balance falls below $200.00 any day in the statement period.
$3 monthly fee · Effective Sep 25, 2026
Rate by balance
Rate by balance for Savings Account Balance APY Over $0 0.05% $10,000 and upYour amount 0.30% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: A $25.00 minimum deposit into a Share Savings Account is a member’s share in the credit union. Dividends are earned monthly.
0.25% interest rate
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Money market savings account with check writing flexibility. $10.00 monthly minimum balance fee waived if a balance of $1,000.00 or above is maintained each day in the statement period. Up to 6 withdrawals per statement period at no charge ($10.00 fee per excessive withdrawal over 6). $3.00 monthly paper statement fee avoided with eStatements.
Offer: Variable interest rate calculated using daily balance method. $10.00 monthly minimum balance fee waived if a balance of $1,000.00 or above is maintained each day in the statement period.
$10 monthly fee · Effective Sep 14, 2026
Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Dividends compounded and credited quarterly based on average daily balance. Par value of one share is $25.00, required for credit union membership. Limited to no more than six transfers and withdrawals per month by preauthorized, automatic, internet, telephonic, check, draft, or debit card.
Offer: Interest paid quarterly. Minimum balance required to keep account open.
0.25% interest rate
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Listed under Legacy Products. $2,500 minimum balance required to earn stated APY and to avoid maintenance fee.
Offer: $2,500 minimum balance required to earn stated APY and to avoid maintenance fee. Maintenance fee assessed if account balance falls below minimum requirement at any time during the month.
0.19% interest rate · $10 monthly fee
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Interest bearing. Avoid $4.00 monthly activity service charge by maintaining daily balance over $100.00. Up to 6 pre-authorized withdrawals/transfers per month allowed, with a $10.00 service charge per withdrawal in excess of 6.
Offer: Avoid $4.00 monthly activity service charge on daily balances over $100.00. Excess withdrawal fee of $10.00 applies after 6 pre-authorized withdrawals/transfers per month.
0.20% interest rate · $4 monthly fee · Effective Sep 10, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000with conditions
Requirements
Product: Your Share Savings gets upgraded to a High-Yield Savings when you open a High-Yield Checking account.
Offer: Rate applied if High-Yield Checking account requirements are not met.
Qualified rate · Effective Oct 16, 2026
Rate checked
More details - 0.10%APY$10 a year on $10,000
Requirements
Product: This interest-bearing account makes you a TDECU Member.
0.10% interest rate · No monthly fee
Rate checked
More details - 0.05%APY$5 a year on $10,000
Requirements
Offer: Dividends are compounded and credited monthly.
0.05% interest rate · No monthly fee · Effective Aug 1, 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 Bay City, TX metro
17 accounts at 7 banks and credit unions · checked Sep 17–Oct 16
- Typical
- 0.25%
- Top 10% from
- 1.00%
- Banks, typical
- 0.40%
- Credit unions, typical
- 0.20%
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Bay City, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- First Service Credit UnionCredit union · 1 branch