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 Waco, TX metro
- 3.50%APY$350 a year on $10,000
Requirements
Product: Limit one Save First Account per membership. Save First Accounts not available on business memberships. Maximum balance is $30,000; deposits exceeding maximum are deposited into primary savings. Dividends are paid quarterly.
Offer: Enhanced APY earned on balances up to $30,000 if there are no withdrawals or transfers from the account during the dividend quarter. Minimum daily balance to earn dividends is $0.01. Minimum to avoid service charge is $0.
No monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Save First Balance APY Up to $30,000Your amount 3.50% $30,000 and up 0.00% Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.06%–3.25% by balance
Bank · 7 branches
3.25%APY$325 a year on $10,000with conditionsRequirements
Product: Monthly maintenance fee of $10 waived with an average daily balance of $2,500 or when you also own a Huntington personal checking account. Minimum opening deposit is $100. Higher relationship rates available when linked with qualifying checking accounts. Rates are specific to ZIP code 43215.
Offer: Promotional Rate with open Private Client Account; requires new money to Huntington. Rate applies to ZIP code 43215.
Qualified rate · 0.06% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Huntington Relationship Savings Balance APY Up to $5,000 0.06% $5,000 – $2,000,001Your amountPromotional Rate with open Huntington Perks Checking account; 3.25% $2,000,001 – $100,000,000,000Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.06% Rate checked
More details - Huntington BankHuntington Relationship SavingsSavings · $100 min · 0.02%–3.15% by balance
Bank · 7 branches
3.15%APY$315 a year on $10,000with conditionsRequirements
Product: Monthly maintenance fee of $10 waived with an average daily balance of $2,500 or when you also own a Huntington personal checking account. Minimum opening deposit is $100. Higher relationship rates available when linked with qualifying checking accounts. Rates are specific to ZIP code 43215.
Offer: Promotional Rate with open Huntington Perks Checking account; requires new money to Huntington. Rate applies to ZIP code 43215.
Qualified rate · 0.02% interest rate · $10 monthly fee · Effective Oct 5, 2026
Rate by balance
Rate by balance for Huntington Relationship Savings Balance APY Up to $5,000 0.02% $5,000 – $2,000,001Your amountNon-Relationship Promotional Rate; 3.15% $2,000,001 – $100,000,000,000Bank reserves the right to limit acceptance of deposits greater than $2,000,000.00. 0.02% Rate checked
More details - 3.02%APY$302 a year on $10,000
Rate by balance
Rate by balance for Velocity Money Market Balance APY Up to $24,999Your amount 3.02% Over $24,999 3.85% Rate checked
More details - First National Bank TexasMoney Market AccountMoney Market Account · $0 min · 0.02%–3.25% by balance
Bank · 5 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 Central Credit UnionFree Kasasa SaverSavings · $5 min · 1.00%–2.00% by balance
Credit union · 3 branches
2.00%APY$200 a year on $10,000with conditionsRequirements
Product: Links to Free Kasasa Cash or Kasasa Cash Back checking account. Limit one account per SSN. Qualify for Kasasa Saver rewards by meeting monthly qualification cycle requirements in the linked Kasasa Cash or Kasasa Cash Back account (at least 12 check card purchases post and settle, enroll and receive e-statement notices, and enroll and log into online banking).
Offer: Applies to balances up to $20,000 when monthly qualifications are met in linked Kasasa Cash or Kasasa Cash Back account.
Qualified rate · 1.98% interest rate · No monthly fee · Effective Sep 1, 2023
Rate by balance
Rate by balance for Free Kasasa Saver Balance APY Up to $20,000Your amount 2.00% $20,000 and up 1.00%* Rate checked
More details - 1.76%APY$176 a year on $10,000
Requirements
Product: Minimum $10,000 to open. Interest is compounded and credited monthly, balance computation method is daily balance. Maintenance fee of $10.00 imposed every statement cycle if balance falls below $1,500.00 any day of the monthly statement cycle.
Offer: Tier 1: $0 - $9,999 (or $9,999.99 or less). Minimum daily balance to obtain APY is $0.01. Maintenance fee of $10.00 waived if balance stays at or above $1,500.00 each day of the statement cycle.
1.25% interest rate · $10 monthly fee · Effective Mar 31, 2026
Rate by balance
Rate by balance for Advantage Account Balance APY Up to $9,999 1.26% $10,000 – $99,999Your amount 1.76% $100,000 and up 2.78% Rate checked
More details - 1.26%APY$126 a year on $10,000
Requirements
Offer: Maintenance fee of $10.00 imposed every statement cycle if the balance falls below $1,500.00 any day of the monthly statement cycle. Minimum daily balance of $0.01 to obtain APY. Interest is compounded and credited monthly using daily balance method.
1.25% interest rate · $10 monthly fee · Effective Mar 31, 2026
Rate checked
More details - GENCO Federal Credit UnionMoney Market AccountMoney Market Account · $2,500 min · 0.40%–1.55% by balance
Credit union · 4 branches
1.20%APY$120 a year on $10,000Requirements
Product: Dividends are calculated on average daily balances of $100 or more and paid monthly. If balance falls below required minimum at any time during the month, dividend is reduced to checking account dividend amounts. Minimum withdrawals of $500 or more, up to 3 withdrawals per month.
0.40% interest rate
Rate by balance
Rate by balance for Money Market Account Balance APY $100 – $2,500 0.40% $2,500 – $5,000 1.10% $5,000 – $20,000Your amount 1.20% $20,000 – $50,000 1.30% $50,000 – $100,000 1.40% $100,000 and up 1.55% Rate checked
More details - Texell Credit UnionMoney MarketMoney Market · $2,500 min · 1.15%–2.30% by balance
Credit union · 1 branch
1.15%APY$115 a year on $10,000Requirements
Product: Dividends are paid monthly and deposited into the account. Deposits insured up to $500,000.
Effective Jan 1, 2025
Rate by balance
Rate by balance for Money Market Balance APY $2,500 – $50,000Your amount 1.15% $50,000 – $100,000 1.30% $100,000 – $250,000 1.95% $250,000 and up 2.30% Rate checked
More details - 1.11%APY$111 a year on $10,000
Requirements
Product: Open with $2,500 deposit; minimum deposit amount $100. Minimum daily balance of $2,500 required to obtain APY. Account remaining below $2,500 minimum balance for extended period will be closed.
Offer: APY based on average daily balance. Minimum daily balance of $2,500 required to obtain disclosed APY.
1.10% interest rate · Effective Nov 9, 2022
Rate checked
More details - 1.00%APY$100 a year on $10,000
Requirements
Product: Monthly service fee of $7.00 is waived with an average daily balance of $2,500 per statement cycle across all Extraco deposit accounts, or if 23 years of age or younger or 65 years of age or older.
Offer: $7.00 monthly service fee waived with an average daily balance of $2,500 per statement cycle across all Extraco deposit accounts, or if 23 years of age or younger or 65 years of age or older.
$7 monthly fee · Effective Oct 6, 2026
Rate checked
More details - First Central Credit UnionMoney Market (First Fund)Money Market (First Fund) · $2,500 min · 0.35%–2.25% by balance
Credit union · 3 branches
1.00%APY$100 a year on $10,000Requirements
Product: Avoid the $20 monthly service fee by maintaining a minimum daily balance of $2,500 or more. Minimum balance of $2,500 to earn higher interest rates. Interest is calculated, compounded, and paid monthly on the daily balance on the last day of the month. Transaction limit of up to 6 pre-authorized, automatic, or telephone transfers per month, with no more than 3 by check, draft, or debit.
Offer: Avoid the $20 monthly service fee with a minimum daily balance of $2,500 or more.
0.35% interest rate · $20 monthly fee · Effective Oct 1, 2026
Rate by balance
Rate by balance for Money Market (First Fund) Balance APY Up to $2,500 0.35% $2,500 – $25,000Your amount 1.00% $25,000 – $50,000 1.10% $50,000 – $100,000 1.25% $100,000 – $250,000 2.00% $250,000 and up 2.25% Rate checked
More details - TFNB Your Bank For LifeEdge Ahead SavingsSavings · $50 min · 0.25%–0.75% by balance
Bank · 6 branches
0.75%APY$75 a year on $10,000with conditionsRequirements
Product: Must have a paired Cash Edge or Extra Edge checking account; not offered as a standalone account. Requires e-statements unless enrolled in Edge Plus. Must be of legal age to contract.
Offer: Earns 0.75% APY on balances up to $100,000.00 when monthly qualifications are met on paired Extra Edge or Cash Edge Checking: 1 direct deposit, ACH debit, or Bill Pay transaction per month; log into online banking at least once per month; and a minimum of 12 debit card transactions ($5 min per transaction) per month.
Qualified rate · No monthly fee
Rate by balance
Rate by balance for Edge Ahead Savings Balance APY Up to $100,000Your amount 0.75% Over $100,000 0.25% Rate checked
More details - Members Choice Credit UnionMoney Market CheckingMoney Market Checking · $1,000 min · 0.15%–2.22% by balance
Credit union · 3 branches
0.70%APY$70 a year on $10,0000.15% interest rate · Effective Jan 1, 2026
Rate by balance
Rate by balance for Money Market Checking Balance APY $1,000 – $2,500 0.15% $2,501 – $5,000 0.50% $5,001 – $10,000Your amount 0.70% $10,001 – $25,000 0.90% $25,001 – $75,000 1.11% $75,001 – $150,000 1.51% $150,001 and up 2.22% 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 Waco, TX metro
60 accounts at 21 banks and credit unions · checked Oct 16–22
- Typical
- 0.10%
- Top 10% from
- 1.78%
- Banks, typical
- 0.05%
- Credit unions, typical
- 0.35%
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Waco, TX metro
Top Carrot institutions
Ranked across their CDs, savings, auto loans and credit cards. How scores work
- Texell Credit UnionCredit union · 1 branch
- GENCO Federal Credit UnionCredit union · 4 branches