Compare Savings Rates in Dallas, Texas – March 2026
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Brian McKay
Brian McKayFounder & Data ArchitectExpertise
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.
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Current Dallas, Texas Savings Rates and MMA RatesPinnacle Federal Credit Union is offering a Accelerate Savings in Dallas, Texas with an APY of 3.75%. For those in Dallas, Texas, OWB One World Bank lists a Regular Savings / Business Savings at 3.75%. OWB One World Bank is offering a Rocket 88 Money Market Accounts (Personal & Business) in Dallas, Texas with an APY of 3.75%. Current rates from Oak Cliff Christian Federal Credit Union include a Share Savings at 3.75% APY. Find the best savings and money market rates in Dallas, TX 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 Dallas, TX and Area
Rates shown are recent market averages and representative quotes. Actual rates may vary.
Last Updated and Verified: March 5, 2026
Best Dallas, TX and Area Savings Rates & Money Market RatesBank / Credit Union
Product
APY
Min Deposit
Pinnacle Federal Credit Union Dallas, TX
Accelerate Savings
3.75%
$0
▼
Rate 3.75%
Min Deposit $0
Last Updated 03/05/2026
Details
OWB One World Bank Dallas, TX
Regular Savings / Business Savings
3.75%
$0
▼
Rate 3.75%
Min Deposit $0
Last Updated 03/05/2026
Details
OWB One World Bank Dallas, TX
Rocket 88 Money Market Accounts (Personal & Business)
3.75%
$100,000
▼
Rate 3.75%
Min Deposit $100,000
Last Updated 03/05/2026
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
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.
Texas Capital Bank Dallas, 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 Dallas, 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.
Neighborhood Credit Union Dallas, 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
UMB Bank Dallas, 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 Dallas, 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
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 SourcesDirect-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Dallas, 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 Dallas, 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 Dallas, 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 Dallas, Texas
Frequently Asked Questions for Dallas, Texas
What are the current savings rates in Dallas, Texas and the surrounding area ▼
Below is a list of current savings and money market rates available for Dallas, Texas. We track lenders daily to provide the most up-to-date APY and term information.
Lender / Product APY Min Dep Pinnacle Federal Credit Union
Accelerate Savings
3.75%
$0
OWB One World Bank
Regular Savings / Business Savings
3.75%
$0
OWB One World Bank
Rocket 88 Money Market Accounts (Personal & Business)
3.75%
$100,000
Oak Cliff Christian Federal Credit Union
Share Savings
3.75%
$1,000
Independent Bank Memphis, TN
Savings Special
3.70%
$100
Lender / Product APY Min Dep Texas Capital Bank
Star High Yield Savings Account
3.65%
$0
Texas Capital Bank
Star High-Yield Savings Account
3.65%
$0
Neighborhood Credit Union
Online Savings
3.60%
$1,500
UMB Bank
UMB Retail Money Market Tier II - 24,999.99
3.51%
$10,000
UMB Bank
UMB Retail Money Market Tier III - 49,999.99
3.51%
$25,000
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.
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