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 1–10 results in Gainesville, TX metro · Few institutions in Gainesville, TX metro: choose a wider area in the filters
- First United BankHigh Yield Money MarketHigh Yield Money Market · $100 min · 1.82%–3.44% by balance
Bank · 1 branch
1.82%APY$182 a year on $10,000intro rateRequirements
Product: Requires funding with $5,000 new money within 7 days of account opening or the account may be converted into a standard Money Market account. Minimum balance fees waived when maintaining a minimum balance of $5,000. 90-day introductory interest rate applies to accounts opened on and after September 22, 2026.
Offer: 90-day introductory interest rate of 4.25% followed by base interest rate of 1.00%, resulting in a blended APY of 1.82%.
Promotional rate · Effective Sep 22, 2026
Rate by balance
Rate by balance for High Yield Money Market Balance APY Up to $25,000Your amount 1.82% $25,000 – $500,00090-day introductory interest rate of 4.25% followed by base interest rate of 3.00%, resulting in a blended APY of 3.36%. Minimum $25,000 to earn promotional rate. 3.36% $500,000 and up90-day introductory interest rate of 4.25% followed by base interest rate of 3.10%, resulting in a blended APY of 3.44%. 3.44% Rate checked
More details - 1.50%APY$150 a year on $10,000
Requirements
Product: Per federal regulations, the maximum number of remote transactions that can be made each calendar month on Money Market Draft and Share Savings Accounts is six (6) per account. Transactions made in person, by mail or at an ATM are not counted toward this limit.
Offer: Minimum average daily balance of $2,500.00 required to obtain disclosed APY. $10.00 monthly service charge if balance is below $2,500.00 at any time during the month. Compounded monthly and credited monthly.
Compounded monthly · $10 monthly fee · Effective Oct 14, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $9,999 1.50% $10,000 – $24,999Your amount 1.50% $25,000 – $49,999 1.55% $50,000 – $99,999 1.80% $100,000 and up 2.00% Rate checked
More details - City Credit UnionMoney MarketMoney Market · $2,500 min · 1.45%–1.75% by balance
Credit union · 1 branch
1.45%APY$145 a year on $10,000Requirements
Product: Tiered rate account; once a particular balance range is met, the dividend rate and APY for that balance range apply to the full balance of the account. Minimum daily balance of $2,500 required to avoid a service fee. Must purchase and maintain 1 share ($0.00 par value) as a condition of membership.
1.44% interest rate · Effective Sep 30, 2026
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $25,000Your amount 1.45% $25,000 – $50,000 1.55% $50,000 – $100,000 1.65% $100,000 and up 1.75% Rate checked
More details - 1.01%APY$101 a year on $10,000
Requirements
Offer: Balance of $2,000.00 or more required to earn stated rate. Monthly fee waived if balance at or above minimum.
1.00% interest rate · $10 monthly fee · Effective Mar 31, 2025
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 - 0.35%APY$35 a year on $10,000
Requirements
Product: Minimum opening deposit of $5. Balances of $100 or more earn quarterly dividends. Compounded and credited quarterly. A $5.00 monthly maintenance fee applies if member has only one service, balance drops below $250 at any time during the month, and member is over age 25.
Offer: A minimum average daily balance of $100 is required to earn a dividend. Dividends are compounded quarterly and credited quarterly. Monthly maintenance fee of $5.00 applies if balance is less than $250 anytime during the month, account has only one service, and owner is over 25 years old. $10 fee per item for exceeding 6 withdrawal limits per month.
Compounded quarterly · $5 monthly fee · Effective Dec 19, 2025
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: 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 - 0.20%APY$20 a year on $10,000
Requirements
Product: Dividends calculated by daily balance method, compounded and credited monthly. If account is closed before accrued dividends are credited, accrued dividends will not be received.
Offer: Minimum opening deposit is $5. Minimum daily balance of $100 required to earn the stated APY. Dividends compounded and credited monthly.
0.20% interest rate · Effective Sep 30, 2026
Rate checked
More details - 0.20%APY$20 a year on $10,000
Requirements
Product: Share account that comes with every City CU membership. Dividends calculated by daily balance method, compounded and credited monthly. If account is closed before accrued dividends are credited, accrued dividends will not be received.
Offer: Minimum opening deposit is $5. Minimum daily balance of $100 required to earn the stated APY. Dividends compounded and credited monthly.
0.20% interest rate · Effective Sep 30, 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 Gainesville, TX metro
10 accounts at 5 banks and credit unions · checked Sep 17–Oct 17
- Typical
- 0.68%
- Top 10% from
- 1.53%
- Banks, typical
- 0.65%
- Credit unions, typical
- 0.68%
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Gainesville, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- DATCUCredit union · 1 branch