Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
For those in Texas, Fsnb lists a Cents-able Savings at 7.00%. Texas Champion Bank is offering a Champion Cash* Money Market Account in Texas with an APY of 5.12%. Texas Champion Bank has a Champion Cash* Money Market Account available at 5.12% APY (min deposit $50,000). Texas DPS Credit Union is offering a Easy Save Savings in Texas with an APY of 5.00%.
Find the best savings and money market rates in Texas today. Our real-time rate table below compares offers from top lenders to help you grow your savings. Whether you are looking for a traditional savings account or a high-yield option in TX, comparing APYs is the best way to maximize your interest earnings.
The following rates reflect recent market quotes and representative offers available to Texas depositors. Actual savings rates may vary by financial institution and market conditions.
Last Updated and Verified: March 5, 2026
Savings Rates in Texas and Area
•Cents-able Savings:
7.00%
•Champion Cash* Money Market Account:
5.12%
•Champion Cash* Money Market Account:
5.12%
•Easy Save Savings:
5.00%
•First Savings:
5.00%
Rates shown are recent market averages and representative quotes. Actual rates may vary.
Last Updated and Verified: March 5, 2026
Best Texas and Area Savings Rates & Money Market Rates
Bank / Credit Union
Product
APY
Min Deposit
Fsnb Wichita Falls, TX
Cents-able Savings
7.00%
$5
▼
Rate 7.00%
Min Deposit $5
Last Updated 03/05/2026
Details
Minimum Balance to Open Account: $5.00
Texas Champion Bank San Antonio, TX
Champion Cash* Money Market Account
5.12%
$0
▼
Rate 5.12%
Min Deposit $0
Last Updated 03/05/2026
Details
Balance: 0 - $50,000
Texas Champion Bank San Antonio, TX
Champion Cash* Money Market Account
5.12%
$50,000
▼
Rate 5.12%
Min Deposit $50,000
Last Updated 03/05/2026
Details
Balance: $50,000+
Texas DPS Credit Union Austin, TX
Easy Save Savings
5.00%
$0
▼
Rate 5.00%
Min Deposit $0
Last Updated 03/05/2026
Details
Extraco Banks National Association Waco, TX
First Savings
5.00%
$0
▼
Rate 5.00%
Min Deposit $0
Last Updated 03/05/2026
Details
Earn 5.00% APY on balances up to $5,000; balances $5,000 and above earn 0.50% APY. Rates may change after the account is opened. No minimum to open. Fees may reduce earnings.
Members Choice Credit Union Katy, TX
High-Yield Savings
5.00%
$0
▼
Rate 5.00%
Min Deposit $0
Last Updated 03/05/2026
Details
Earn Up to 5.00% APY*
Allied Federal Credit Union MANSFIELD, TX
Youth Savings
5.00%
$0
▼
Rate 5.00%
Min Deposit $0
Last Updated 03/05/2026
Details
Earns 5.00% APY on balances $0.01-$499.99
Premier America Credit Union Houston, TX
Youth Smart Savings
5.00%
$0
▼
Rate 5.00%
Min Deposit $0
Last Updated 03/05/2026
Details
Meriwest Credit Union allen, TX
Premier Savings
4.50%
$0
▼
Rate 4.50%
Min Deposit $0
Last Updated 03/05/2026
Details
Earns 4.50% APY on balances $100 to $10,000; 4.50%-2.90% APY on $10,001 - $50,000.99; 2.90%-2.20% APY on $50,001+
Chartway Credit Union Humble, TX
Smart Steps Savings
4.50%
$0
▼
Rate 4.50%
Min Deposit $0
Last Updated 03/05/2026
Details
APY = Annual Percentage Yield. During the first 6 months after account opening, a promotional APY of 5.00% applies to that portion of the total account balance within the first tier, up to $2,499.99. The standard tiered APYs displayed apply to the remaining portion(s) of the account balances above the first tier. Dividend rates are tiered; different portions of the total account balance earn different rates. The APY reflects a blended rate based on the portion of the total balance in each tier, and if held to maturity. Dividends accrue daily and are paid monthly. Fees could reduce earnings on the account. No penalty for withdrawal. Limited to personal accounts; one account per member. Certain conditions and restrictions may apply. Rates and tiers are subject to change without notice. Membership must be completed before account opening. Please refer to the Membership Agreement and Disclosures for terms and conditions applicable to specific accounts
Conservation Employees Credit Union Frisco, TX
IRA Savings
4.11%
$0
▼
Rate 4.11%
Min Deposit $0
Last Updated 03/05/2026
Details
Community Service Credit Union Huntsville, TX
High Yield Savings (Money Market)
4.00%
$0
▼
Rate 4.00%
Min Deposit $0
Last Updated 03/05/2026
Details
Keystone Bank Ballinger, TX
Keystone Rewards Savings
4.00%
$0
▼
Rate 4.00%
Min Deposit $0
Last Updated 03/05/2026
Details
Earns 4.00% APY on balances 0 - $100,000
Del Rio SP Credit Union Del Rio, TX
Youth Savings
4.00%
$0
▼
Rate 4.00%
Min Deposit $0
Last Updated 03/05/2026
Details
Balances of $.01 to $500.00
Community Service Credit Union Huntsville, TX
High Yield Savings (Money Market)
3.80%
$0
▼
Rate 3.80%
Min Deposit $0
Last Updated 03/05/2026
Details
Mobility Credit Union Irving, TX
High Yield Savings
3.76%
$0
▼
Rate 3.76%
Min Deposit $0
Last Updated 03/05/2026
Details
Pinnacle Federal Credit Union Dallas, TX
Accelerate Savings
3.75%
$0
▼
Rate 3.75%
Min Deposit $0
Last Updated 03/05/2026
Details
Corporate America Family Credit Union Irving, TX
Business Prosperity Savings
3.75%
$1,000
▼
Rate 3.75%
Min Deposit $1,000
Last Updated 03/05/2026
Details
intro rate subject to change; Promotional offer starts on 9/15/25 and is valid for a limited time only. Promotional rate of 3.75% APY applies to new Business Prosperity accounts opened with a minimum balance of at least $1,000.00; if balance falls below $1,000, the account will be closed and the remaining funds will be transferred to your Regular Share Account. Existing CAFCU savings accounts are excluded from this offer. To qualify for this offer, funds must be moved from another financial institution. This means qualifying funds must not currently be on deposit at CAFCU. Rates subject to change at any time and without notice. To qualify for the promotional rate, your accounts must be in good standing, and you must open a new Business Prosperity account. At the end of the promotional term, the standard savings rates will apply. Dividends are calculated daily and paid monthly. Your savings are federally insured up to at least $250,000 and backed by the full faith and credit of the United States Government. Contact CAFCU for complete details.
Oak Cliff Christian Federal Credit Union Dallas, TX
Share Savings
3.75%
$1,000
▼
Rate 3.75%
Min Deposit $1,000
Last Updated 03/05/2026
Details
Community Service Credit Union Huntsville, TX
High Yield Savings (Money Market)
3.70%
$0
▼
Rate 3.70%
Min Deposit $0
Last Updated 03/05/2026
Details
Independent Bank Memphis, TN Dallas, TX
Savings Special
3.70%
$100
▼
Rate 3.70%
Min Deposit $100
Last Updated 03/05/2026
Details
New money only. Minimum balance of $250 required to avoid $5 quarterly service charge. Fees may reduce earnings. Offer applies to personal accounts only.
Mobility Credit Union Irving, TX
High Yield Savings
3.66%
$0
▼
Rate 3.66%
Min Deposit $0
Last Updated 03/05/2026
Details
Nizari Progressive Federal Credit Union Sugar Land, TX
Youth Savings Account
3.66%
$0
▼
Rate 3.66%
Min Deposit $0
Last Updated 03/05/2026
Details
Community Service Credit Union Huntsville, TX
High Yield Savings (Money Market)
3.65%
$0
▼
Rate 3.65%
Min Deposit $0
Last Updated 03/05/2026
Details
Earns 3.65% APY on balances $1,000,000-Above
Texas Capital Bank Southlake, TX
Star High Yield Savings Account
3.65%
$0
▼
Rate 3.65%
Min Deposit $0
Last Updated 03/05/2026
Details
Only available in Texas; $0.01 - $1,000,000
Texas Capital Bank Southlake, TX
Star High-Yield Savings Account
3.65%
$0
▼
Rate 3.65%
Min Deposit $0
Last Updated 03/05/2026
Details
Available to applicants with a Texas residential address.
Nizari Progressive Federal Credit Union Sugar Land, TX
Money Market Account
3.61%
$0
▼
Rate 3.61%
Min Deposit $0
Last Updated 03/05/2026
Details
Nizari Progressive Federal Credit Union Sugar Land, TX
Nizari Diamond Savings
3.61%
$0
▼
Rate 3.61%
Min Deposit $0
Last Updated 03/05/2026
Details
Neighborhood Credit Union Waxahachie, TX
Online Savings
3.60%
$1,500
▼
Rate 3.60%
Min Deposit $1,500
Last Updated 03/05/2026
Details
An exclusive rate only available online with additional deposits allowed.; Online Only
Lone Star Bank Sealy, TX
Personal Money Market
3.56%
$250
▼
Rate 3.56%
Min Deposit $250
Last Updated 03/05/2026
Details
†
Nizari Progressive Federal Credit Union Sugar Land, TX
Money Market Account
3.56%
$0
▼
Rate 3.56%
Min Deposit $0
Last Updated 03/05/2026
Details
Nizari Progressive Federal Credit Union Sugar Land, TX
Nizari Diamond Savings
3.56%
$0
▼
Rate 3.56%
Min Deposit $0
Last Updated 03/05/2026
Details
Sun Pacific Federal Credit Union Richmond, TX
Sun Fund Money Market
3.51%
$0
▼
Rate 3.51%
Min Deposit $0
Last Updated 03/05/2026
Details
Balance $50,000 or more
UMB Bank Wolfforth, TX
UMB Retail Money Market Tier II - 24,999.99
3.51%
$10,000
▼
Rate 3.51%
Min Deposit $10,000
Last Updated 03/05/2026
Details
$10,000
UMB Bank Wolfforth, TX
UMB Retail Money Market Tier III - 49,999.99
3.51%
$25,000
▼
Rate 3.51%
Min Deposit $25,000
Last Updated 03/05/2026
Details
$25,000
UMB Bank Wolfforth, TX
UMB Retail Money Market Tier IV - 74,999.99
3.51%
$50,000
▼
Rate 3.51%
Min Deposit $50,000
Last Updated 03/05/2026
Details
$50,000
UMB Bank Wolfforth, TX
UMB Retail Money Market Tier V - 99,999.99
3.51%
$75,000
▼
Rate 3.51%
Min Deposit $75,000
Last Updated 03/05/2026
Details
$75,000
UMB Bank Wolfforth, TX
UMB Retail Money Market Tier VI - 999,999.99
3.51%
$100,000
▼
Rate 3.51%
Min Deposit $100,000
Last Updated 03/05/2026
Details
$100,000
UMB Bank Wolfforth, TX
UMB Retail Money Market Tier VII & over
3.51%
$1,000,000
▼
Rate 3.51%
Min Deposit $1,000,000
Last Updated 03/05/2026
Details
$1,000,000
Nizari Progressive Federal Credit Union Sugar Land, TX
Money Market Account
3.51%
$0
▼
Rate 3.51%
Min Deposit $0
Last Updated 03/05/2026
Details
Nizari Progressive Federal Credit Union Sugar Land, TX
Nizari Diamond Savings
3.51%
$0
▼
Rate 3.51%
Min Deposit $0
Last Updated 03/05/2026
Details
Citizens National Bank Cameron, TX Taylor, TX
Advantage Plus Savings
3.50%
$0
▼
Rate 3.50%
Min Deposit $0
Last Updated 03/05/2026
Details
PrimeWay Federal Credit Union Sugar Land, TX
Money Market Max
3.50%
$0
▼
Rate 3.50%
Min Deposit $0
Last Updated 03/05/2026
Details
Baxter Credit Union San Antonio, TX
Money Market Special Intro rate
3.50%
$0
▼
Rate 3.50%
Min Deposit $0
Last Updated 03/05/2026
Details
$15,000+
Texans Credit Union Wylie, TX
Performance Money Market Account
3.50%
$0
▼
Rate 3.50%
Min Deposit $0
Last Updated 03/05/2026
Details
CNB of Taylor Taylor, TX
Premier Money Market
3.50%
$0
▼
Rate 3.50%
Min Deposit $0
Last Updated 03/05/2026
Details
Oak Cliff Christian Federal Credit Union Dallas, TX
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data:
We aggregate savings account rates for Texas directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions' own digital properties and manually verifying the yields daily, we ensure that every savings rate displayed on savingsaccount.monitorbankrates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage:
Our systems and team constantly monitor the market to provide a complete picture of available yields in Texas. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized savings rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield savings accounts from large national institutions available to savers in TX.
Daily Updates & Time-Stamped Accuracy:
To maintain the highest level of data integrity, our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly based on market conditions, every single savings product listed on our platform features its own specific "last updated" date. This gives you absolute transparency into exactly when that specific yield was confirmed.
Disclaimer: Savings rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions in Texas.
It is always advisable to check with the specific financial institution's official website for the most current offers and terms.
Last Updated and Verified: March 5, 2026
How to Find the Best Savings Account in Texas
Compare APY (Annual Percentage Yield)The APY determines how much interest you will earn in a year. Unlike simple interest, APY includes compound interest. Always look for the highest APY to maximize your earnings.
Check Minimum Deposit RequirementsSome high-yield savings accounts require a large initial deposit (e.g., $5,000 or $10,000) to earn the advertised rate. Ensure you can meet these minimums before applying.
Review Monthly FeesAvoid accounts that charge monthly maintenance fees, as these can eat into your interest earnings. Many online banks and credit unions offer no-fee savings accounts.
Verify FDIC or NCUA InsuranceEnsure your money is safe. Banks should be FDIC insured, and Credit Unions should be NCUA insured. This protects your deposits up to $250,000 per depositor.
Frequently Asked Questions for Texas
What are the current savings rates in Texas and the surrounding area ▼
Below is a list of current savings and money market rates available for Texas. We track lenders daily to provide the most up-to-date APY and term information.
Lender / Product
APY
Min Dep
Fsnb
Cents-able Savings
7.00%
$5
Texas Champion Bank
Champion Cash* Money Market Account
5.12%
$0
Texas Champion Bank
Champion Cash* Money Market Account
5.12%
$50,000
Texas DPS Credit Union
Easy Save Savings
5.00%
$0
Extraco Banks National Association
First Savings
5.00%
$0
Lender / Product
APY
Min Dep
Members Choice Credit Union
High-Yield Savings
5.00%
$0
Allied Federal Credit Union
Youth Savings
5.00%
$0
Premier America Credit Union
Youth Smart Savings
5.00%
$0
Meriwest Credit Union
Premier Savings
4.50%
$0
Chartway Credit Union
Smart Steps Savings
4.50%
$0
Last Updated and Verified: March 5, 2026
What is a High-Yield Savings Account? ▼
A high-yield savings account is a type of savings account that pays a significantly higher interest rate (APY) than standard savings accounts. These are often offered by online banks that have lower overhead costs than traditional brick-and-mortar banks.
Are online savings accounts safe? ▼
Yes, as long as the online bank is FDIC insured. This provides the same level of protection (up to $250,000 per depositor) as a traditional bank. Always check for the FDIC logo on the bank's website.
Can I withdraw money from a savings account anytime? ▼
Yes, but there are limits. Federal Regulation D used to limit certain withdrawals to 6 per month, though this has been suspended. However, individual banks may still enforce transaction limits or charge fees for excessive withdrawals.
Do savings rates change? ▼
Yes, savings rates are variable and can change at any time based on the Federal Reserve's benchmark interest rates and market conditions. Unlike a CD (Certificate of Deposit), your savings rate is not locked in.
