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 McAllen, TX metro
- 3.40%APY$340 a year on $10,000
Requirements
Product: Six withdrawals and/or transfers per quarterly statement cycle at no charge, thereafter $3 per transaction. Min. $100 daily balance required to avoid $5 quarterly service fee.
Offer: Available for all eligible Personal Savings Accounts in the Houston and San Antonio markets. $5 quarterly service fee avoided by maintaining a minimum $100 daily balance.
3.36% interest rate · Effective Sep 29, 2026
Rate checked
More details - Rally Credit UnionLiberty SavingsSavings · $25 min · 3.30%–3.45% by balance
Credit union · 7 branches
3.30%APY$330 a year on $10,000with conditionsRequirements
Product: Free high-yield savings account bundled with Liberty Plus Checking. Monthly qualification criteria: have and use a debit card with 10 or more purchases of $5.00 or more post and clear each cycle, and have at least 1 automatic payment or direct deposit post and clear each cycle. If qualifications are not met, earns base non-qualified rate.
Offer: Qualified tier rate on balances up to $99,999.99 when monthly qualification criteria are met.
Qualified rate · 3.25% interest rate · No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Liberty Savings Balance APY Up to $100,000Your amount 3.30% $100,000 – $250,000APY range of 3.30% - 3.35%. 3.35% $250,000 and upAPY range of 3.35% - 3.45%. 3.45% Rate checked
More details - 3.15%APY$315 a year on $10,000with conditions
Requirements
Offer: Max Rate. Must have a Momentum Max or Momentum Max Plus checking account with a minimum average daily balance of $50,000. Must have $40,000 in monthly merchant volume is required to receive rate. Rate based on prior-month balance and merchant service volume.
Qualified rate · 3.11% interest rate · Effective Oct 6, 2026
Rate checked
More details - 2.65%APY$265 a year on $10,000with conditions
Requirements
Offer: Enhanced Rate. Must have a Momentum Max or Momentum Max Plus checking account with a minimum average daily balance of $50,000 is required to receive rate.
Qualified rate · 2.62% interest rate · Effective Oct 6, 2026
Rate checked
More details - 2.50%APY$250 a year on $10,000with conditions
Requirements
Product: Requires a Kasasa Cash account. Variable rates. No minimum balance required to earn rewards. $5 minimum balance required per savings account. No recurring monthly maintenance charges.
Offer: When linked Kasasa Cash account qualifications are met during Monthly Qualification Cycle.
Qualified rate · 2.47% interest rate · No monthly fee
Rate by balance
Rate by balance for Kasasa Saver Balance APY Up to $50,000Your amount 2.50% Over $50,000When linked Kasasa Cash account qualifications are met; dividend rate of 2.23% on portion over $50,000, resulting in APY range of 2.50% to 2.33%. 2.33% Rate checked
More details - 2.15%APY$215 a year on $10,000with conditions
Requirements
Offer: Core Rate. $100 min daily balance required to avoid a $5 monthly service fee. Rate may change after account is opened.
Qualified rate · 2.13% interest rate · Effective Oct 6, 2026
Rate checked
More details - First National Bank TexasMoney Market AccountMoney Market Account · $0 min · 0.02%–3.25% by balance
Bank · 4 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 - 2.00%APY$200 a year on $10,000with conditions
Requirements
Product: Requires an active linked Rewards Checking account. To earn highest rates, must meet Rewards Checking monthly qualifications: at least 15 qualifying debit card transactions, at least 1 direct deposit/ACH payment/ACH credit, and enrollment in Online Banking and E-Statements. Limit 1 account per person.
Offer: Requires meeting Rewards Checking qualifications during the Monthly Qualification Cycle.
Qualified rate · 1.98% interest rate · No monthly fee · Effective Apr 1, 2026
Rate by balance
Rate by balance for Premium Savings Balance APY Up to $250,000Your amount 2.00% $250,000 and up 1.00% Rate checked
More details - PlainsCapital BankPersonal Money MarketPersonal Money Market · $2,500 min · 1.66%–3.18% by balance
Bank · 7 branches
1.71%APY$171 a year on $10,000Requirements
Product: Rate may change after account is opened. $2,500 daily minimum balance required to earn APY and avoid $10 monthly service fee.
Offer: $2,500 daily minimum balance required to earn APY and avoid $10 monthly service fee.
1.65% interest rate · $10 monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Personal Money Market Balance APY $2,500 – $4,999 1.66% $5,000 – $24,999Your amount 1.71% $25,000 – $99,999 1.81% $100,000 – $499,999 1.92% $500,000 – $999,999 2.22% $1,000,000 – $1,999,999 2.38% $2,000,000 – $4,999,999 2.43% $5,000,000 – $7,499,999 2.78% $7,500,000 and up 3.18% Rate checked
More details - Frost BankFrost Money Market AccountFrost Money Market Account · $50 min · 0.90%–2.85% by balance
Bank · 4 branches
0.90%APY$90 a year on $10,000Requirements
Product: $0 Monthly Service Charge if you maintain a $15,000 minimum daily balance or if you own a Frost Premium Account; otherwise $15 monthly service charge.
Offer: $0 Monthly Service Charge if you maintain a $15,000 minimum daily balance or own a Frost Premium Account.
0.90% interest rate · $15 monthly fee · Effective Oct 6, 2026
Rate by balance
Rate by balance for Frost Money Market Account Balance APY Up to $25,000Your amount 0.90% $25,000 – $50,000 1.00% $50,000 – $100,000 1.15% $100,000 – $250,000 2.15% $250,000 – $1,000,000 2.30% $1,000,000 – $2,500,000 2.35% $2,500,000 – $10,000,000 2.50% $10,000,000 – $20,000,000 2.65% $20,000,000 and up 2.85% Rate checked
More details - NAFT Federal Credit UnionMoney Market AccountMoney Market Account · $2,000 min
Credit union · 2 branches
0.50%APY$50 a year on $10,000Requirements
Offer: Dividends paid monthly. Minimum balance to earn stated APY is $2,000.00.
0.50% interest rate
Rate checked
More details - Gulf Coast Federal Credit UnionMoney Market AccountsMoney Market Accounts · $10,000 min · 0.50%–1.65% by balance
Credit union · 1 branch
0.50%APY$50 a year on $10,000Requirements
Product: Minimum deposit to open is $10,000. Minimum average daily balance of $10,000 required to obtain an APY; if balance drops below $10,000, the account reverts to a regular share dividend rate. Dividends calculated by average daily balance method and paid monthly on average daily balance of $25.00 or more. Maximum 6 transfers/withdrawals per month; exceeding limit results in a $25 fee and subject to account closure.
0.50% interest rate · Effective Jul 31, 2026
Rate by balance
Rate by balance for Money Market Accounts Balance APY $10,000 – $25,000Your amount 0.50% $25,000 – $50,000 0.75% $50,000 and up 1.65% Rate checked
More details - Greater Texas Credit UnionMoney Market AccountMoney Market Account · 0.00%–0.50% by balance
Credit union · 1 branch
0.30%APY$30 a year on $10,000Requirements
Product: Dividends paid monthly. Daily Balance Method calculation.
Offer: Daily Balance Method.
0.00% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY Up to $2,500 0.00% $2,500 – $25,000Your amount 0.30% $25,000 – $75,000 0.35% $75,000 – $150,000 0.40% $150,000 and up 0.50% Rate checked
More details - Gulf Coast Federal Credit UnionSuper Shares AccountSavings · $10,000 min · 0.30%–0.50% by balance
Credit union · 1 branch
0.30%APY$30 a year on $10,000Requirements
Product: All dividends are calculated by the average daily balance method and paid monthly. A penalty is imposed for early withdrawal. No recurring monthly maintenance charges.
0.30% interest rate · No monthly fee · Effective Jul 31, 2026
Rate by balance
Rate by balance for Super Shares Account Balance APY $10,000 – $50,000Your amount 0.30% $50,000 – $100,000 0.40% $100,000 and up 0.50% Rate checked
More details - 0.25%APY$25 a year on $10,000
Requirements
Product: Primary membership savings account. Must keep a minimum balance of $25.00 on deposit. Dividends calculated on actual daily balance and paid quarterly.
Offer: Rate applies to balances of $50.00 and over. Must keep a minimum balance of $25.00 on deposit.
0.25% interest rate · Effective Oct 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 McAllen, TX metro
38 accounts at 13 banks and credit unions · checked Oct 6–22
- Typical
- 0.13%
- Top 10% from
- 2.55%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.25%
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McAllen, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- NAFT Federal Credit UnionCredit union · 2 branches