Texas

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You are viewing savings rates from banks across Texas

 

If you have your savings dollars in a big bank or a bank with low savings rates, then you are losing money. We've found FDIC insured banks that will pay you more. Take a few minutes to explore the options below and see how you can boost your savings by more than 6X the national average rate. There is competition for your money. Take advantage of it!

TX - November 2, 2024

Savings Account National Average Rate: 0.45% ?

Banks APY MIN

High Rate Jumbo Money Market Account.

| Oct 5, 2023

You need to specifically indicate what you are applying your money to when you take out an account here. You could make a mistake and put your money on a lesser rate product than what's advertised. Other... Read More

| Aug 26, 2023

I have no issues with Bask Bank nor Texas Capital Bank. They provide good apy on savings and CD's, bank to keep funds secured so yes they do have strict security measures but if you don't like it than go ... Read More

Rate requires download of bank app and recording of over 12,500 average daily steps (or 10,000 if over age of 65).
Rate History: 4.75% → 5.00%

| Oct 11, 2022

Glad to have found this one and thanks to bestcashcow for not hiding the best rates like bankrate does Read More

Rate History: 5.15% → 5.30% → 5.00%

| Jul 26, 2024

Multiple roadblocks trying to set up a savings account with Forbright and my application was ultimately declined, in spite of my multiple CDs among three banks, stock investments, eleven credit cards, and ... Read More

Online Savings Account
Rate History: 5.25% → 5.00% → 4.90%

| Nov 18, 2023

bank delayed 1-2days to credit into your account, pay less interest. Read More

Rate History: 5.00% → 5.10% → 5.00% → 5.10% → 4.85%

| Apr 20, 2024

Save your tears for another day. Very frustrating. 1-star. Read More

Rate History: 5.10% → 5.30% → 5.00% → 4.90% → 4.75%

| Feb 15, 2024

I have always had great experiences with short-term CDs from this bank. No delays. Read More

Rate History: 1.35% → 5.25% → 4.75%

| Dec 27, 2022

They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More

Requires checking account.
Rate History: 4.05% → 5.14% → 5.24% → 4.73%

| Mar 25, 2020

I was told on the phone by a bank rep that my present money market acct interest rate would continue at 2.25% until June 30, 2020 and would be FDIC covered up to $250,000. Please verify if this is true???... Read More

Rate History: 1.35% → 4.60%

| Dec 27, 2022

They gave a hard time with their cashier's check. They returned my deposited check that was emitted by them. Could you believe? Read More

| Jul 6, 2021

If there were negative stars for customer service, I would have used it. They don't tell you that their "EPIC" money market also charges epic fees - $20.00 per month - negating the interest rate. Read More

Rate History: 4.25% → 5.00% → 4.75% → 5.00% → 4.50%

| Feb 25, 2022

I joined Citi with a Costco-VISA card. An Accelerate followed, and then a checking account. Costco-VISA is necessary for using a credit card at Costco, otherwise cash is necessary. Accelerate Savings w... Read More

Rate History: 4.50% → 4.25%

| Oct 18, 2016

IF the Cd's our that high then way i'm i the last to find out what The apys are. Read More

Rate History: 4.50% → 4.15%

| Mar 20, 2016

Good solid bank. Read More

Rate History: 4.30% → 4.35% → 4.25% → 4.10%

| Jan 2, 2024

Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More

| Jun 12, 2023

US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More

Rate History: 1.00% → 4.59% → 4.07%

Rate History: 4.50% → 4.00%

Rate History: 5.00% → 4.80% → 4.75% → 4.40% → 4.00%

| May 19, 2018

Experience Read More

Rate History: 4.00% → 3.75%

| Nov 17, 2020

Is notarie services available today at a woodforest on wilkinson blvd Read More

Rate History: 4.00% → 4.55% → 4.00% → 3.75%

Rate History: 4.50% → 4.25% → 4.16% → 4.25% → 3.75%

| Jun 12, 2023

US Bank reported me to dult Protective Services because my husband is 85 and I am63. He got sick and went into a nursing hime for 3 months. My husband always handled the financial affairs. I had to take ov... Read More

3.50%

$1,000

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| Oct 11, 2020

You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More

3.25%

$2,500

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| Aug 20, 2019

Very corrupt, disorganized company. Associated with Dovenmuehle and or the same company. Extremely poor ratings all over the internet. Should be sued and closed down. If I could give it -10 stars, that wo... Read More

| Dec 3, 2019

Have done business with "Hope's" San Diego branch for a few years. Always courteous and helpful. Looking forward to doing business with them in the future. Read More

3.00%

$250

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| Aug 29, 2019

Since Hancock Bank merged with Whitney Bank, it’s no longer the local bank it once was. Fees, gotcha gimmicks, underhanded surprises... It’s nothing more than another big, ugly, corporate bank looking ... Read More

Rate History: 1.00% → 3.00%

| Mar 20, 2016

Good solid bank. Read More

Rate History: 3.56% → 2.78%

| Feb 7, 2020

I contacted the massage bank and they are not offering 2.02 it’s 1.10 Read More

Rate History: 3.04% → 2.72%

Rate History: 4.10% → 3.70% → 3.50% → 3.00% → 2.70%

2.50%

$10

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| Oct 11, 2020

You probably thought - as did I - that you were looking at a site that belongs to and was the responsibility of Gateway First. After all it includes their headings, selected financial statements, many pag... Read More

| Jan 2, 2024

Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More

Rate History: 1.00% → 2.50%

| Jul 1, 2022

Very easy opening process and wonderful staff. Read More

| Jun 22, 2023

I have been with The Mint Ntl Bank for going on the 3rd yr. They have always taken care of my CD investment and changes that come after the maturity (yearly) date. I highly recommend them! Read More

2.25%

$0

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| Sep 28, 2016

After looking around, looks like AlaskaUSA has the better current rate of 2 percent for 5 years. A little more can be obtained at Discover/AAA for a 10 year CD. Read More

Rate History: 0.50% → 1.51%

Rate History: 1.00% → 1.50%

| May 29, 2020

Dua Read More

| Aug 20, 2019

Very corrupt, disorganized company. Associated with Dovenmuehle and or the same company. Extremely poor ratings all over the internet. Should be sued and closed down. If I could give it -10 stars, that wo... Read More

Rate History: 2.02% → 1.46%

Rate History: 1.50% → 1.45%

| Nov 28, 2022

While USAA was at one point a great option for all your banking needs, the service has deteriorated so much that I'm currently in the process of changing banks after more than 2 decades. The final straw w... Read More

Rate History: 1.00% → 1.41%

Rate History: 1.51% → 1.00% → 1.76% → 1.26%

| Dec 30, 2018

Garden14 Read More

| May 21, 2021

this bank is pooooooooooooooooooop Read More

Rate History: 1.01% → 1.02%

| Feb 6, 2023

after over 100k in transactions through this bank in the course of a year not only did i suffer from fraud but this bank closed my accounts and i have been lliable for all the losses and to top it off with... Read More

Rate History: 1.51% → 1.00%

| Feb 7, 2020

I contacted the massage bank and they are not offering 2.02 it’s 1.10 Read More

1.00%

$2,500

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| Mar 19, 2021

... Read More

0.85%

$25,000

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0.75%

$2,500

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0.75%

$2,500

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0.75%

$25,000

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Rate History: 1.00% → 0.90% → 0.70%

0.65%

$25,000

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0.60%

$2,500

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| May 29, 2020

Dua Read More

0.55%

$25,000

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0.55%

$10,000

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0.50%

$2,500

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0.50%

$100

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0.50%

$2,500

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0.50%

$100

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0.50%

$100

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| May 3, 2016

Houston, Tx. Branches Read More

0.50%

$2,500

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| Dec 1, 2020

This Bank and Bank of Brenham were great to deal with. Just a little drive out to the country and definitely worth it. Read More

0.50%

$25,000

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| Jan 8, 2024

Awful, rude unprofessional! Beware Read More

0.50%

$25,000

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0.50%

$2,500

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0.50%

$2,500

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| May 3, 2016

Branchs locations, Houston, Tx. Read More

0.50%

$2,500

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| Jun 25, 2016

Recommend this bank and Bank of Brenham! Friendly, helpful, and both have great rates! Read More

0.50%

$2,500

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| Dec 1, 2020

Worth the drive out to the country! Read More

0.50%

$2,500

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0.50%

$2,500

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Rate History: 1.00% → 0.50%

| Nov 17, 2020

Is notarie services available today at a woodforest on wilkinson blvd Read More

0.45%

$2,500

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0.45%

$2,500

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0.45%

$10,000

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0.45%

$2,500

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0.40%

$25,000

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0.40%

$2,500

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0.40%

$2,500

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0.40%

$25,000

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0.40%

$2,500

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| Jan 8, 2024

Awful, rude unprofessional! Beware Read More

0.40%

$2,500

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| Jan 29, 2019

The Bank does not have this product. Read More

0.40%

$10,000

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| Jun 28, 2017

showmefivethousanddollars Read More

0.40%

$2,500

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0.40%

$1,000

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0.40%

$2,500

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0.35%

$10,000

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| Sep 8, 2021

Just moved to south Texas from Oregon, and needed to open a local checking account. I liked the name, Lone Star National Bank so decided to give them a try; and am so glad that I did. Went to the lobby b... Read More

0.35%

$20,000

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0.35%

$1

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0.35%

$25,000

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0.35%

$10,000

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0.35%

$10,000

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0.35%

$10,000

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| Jan 29, 2019

The Bank does not have this product. Read More

0.35%

$25,000

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0.35%

$10,000

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0.35%

$2,500

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0.35%

$25,000

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0.35%

$2,500

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0.35%

$2,500

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0.33%

$2,500

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0.30%

$200

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0.30%

$100

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0.30%

$10,000

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| Dec 30, 2018

Garden14 Read More

0.30%

$10,000

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0.30%

$2,500

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0.30%

$2,500

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Rate History: 0.40% → 0.30%

| May 21, 2021

this bank is pooooooooooooooooooop Read More

0.30%

$2,500

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0.30%

$25,000

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0.30%

$2,500

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0.30%

$25,000

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| Mar 10, 2021

I think that it is absolutely despicable that I have been a customer of the Bank for more than 8 years and I bring in rolled coins with my account number on each wrapper and I am charged 5% fee. Cost me $3... Read More

0.30%

$2,500

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0.30%

$25,000

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0.30%

$25,000

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0.30%

$2,500

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| May 1, 2016

I have had this bank for the past 10 years and I would not want to change banks due to friendly customer service over the phone as I live a hundred miles from this bank. I always get my questions answered ... Read More

0.30%

$100

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0.30%

$25,000

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0.30%

$2,500

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0.30%

$10,000

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0.30%

$25,000

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0.30%

$10,000

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| Oct 22, 2021

TrustTexas Bank was founded in 1921. Read More

0.30%

$2,500

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0.30%

$2,500

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0.30%

$10,000

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0.28%

$10,000

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0.25%

$1

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0.25%

$1

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Rate History: 0.50% → 0.25%

0.25%

$10

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0.25%

$100

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0.25%

$1,000

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0.25%

$2,500

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0.25%

$100

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0.25%

$25,000

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0.25%

$10,000

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0.25%

$2,500

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0.25%

$25,000

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0.25%

$2,500

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0.25%

$25,000

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0.25%

$25,000

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0.25%

$2,500

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0.25%

$2,500

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0.25%

$2,500

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0.25%

$10,000

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0.25%

$10,000

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0.25%

$2,500

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0.25%

$2,500

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| Jan 29, 2019

The Bank does not have this product. Read More

0.25%

$2,500

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| Nov 7, 2018

now pays 1.46% Read More

0.25%

$2,500

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0.25%

$25,000

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0.25%

$25,000

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0.25%

$25,000

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0.25%

$2,500

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0.25%

$2,500

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0.25%

$2,500

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0.25%

$25,000

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0.25%

$2,500

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0.25%

$2,500

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0.25%

$25,000

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0.25%

$2,500

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0.25%

$25,000

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0.25%

$2,500

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| Oct 22, 2021

TrustTexas Bank was founded in 1921. Read More

0.25%

$2,500

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0.25%

$2,500

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0.25%

$10,000

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0.25%

$2,500

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0.25%

$25,000

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0.25%

$25,000

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| Mar 28, 2023

On line banking gives a confirmation number when paying bills. But it doesn’t confirm that the bill will be paid only that they have the information. Ridiculous. Read More

0.24%

$25,000

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0.23%

$2,500

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0.23%

$25,000

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0.20%

$2,500

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0.20%

$25,000

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0.20%

$1,500

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0.20%

$10,000

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0.20%

$2,500

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0.20%

$100

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0.20%

$10,000

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| May 29, 2020

Dua Read More

0.20%

$25,000

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0.20%

0.15%

$250,000

$0
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0.20%

$2,500

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0.20%

$10,000

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0.20%

$2,500

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0.20%

$2,500

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0.20%

$2,500

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0.20%

$2,500

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0.20%

$25,000

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0.20%

$2,500

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0.20%

$1

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0.20%

$0

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0.20%

$25,000

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0.20%

$2,500

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0.20%

$25,000

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0.20%

$2,500

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0.20%

$25,000

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0.20%

$10,000

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0.20%

$10,000

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0.20%

$25,000

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0.20%

$2,500

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0.20%

$2,500

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0.20%

$2,500

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0.20%

$2,500

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0.20%

$2,500

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0.20%

$2,500

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0.20%

$2,500

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0.20%

$2,500

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| Mar 10, 2021

I think that it is absolutely despicable that I have been a customer of the Bank for more than 8 years and I bring in rolled coins with my account number on each wrapper and I am charged 5% fee. Cost me $3... Read More

0.20%

$2,500

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0.20%

$2,500

Learn More

0.20%

$10,000

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0.20%

$2,500

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| Aug 12, 2021

Will not protect their customers against fraudulent debit card charges. Out hundreds of dollars due to multiple fraudulent charges, and they keep allowing same charges. RUN! Read More

0.20%

$2,500

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0.20%

$25,000

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0.20%

$2,500

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0.20%

$2,500

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0.20%

$25,000

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0.20%

$2,500

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0.20%

$2,500

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0.20%

$10,000

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| May 1, 2016

I have had this bank for the past 10 years and I would not want to change banks due to friendly customer service over the phone as I live a hundred miles from this bank. I always get my questions answered ... Read More

0.20%

$100

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0.20%

$2,500

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0.20%

$25,000

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0.20%

$25,000

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0.20%

$2,500

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0.20%

$2,500

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0.20%

$2,500

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0.20%

$25,000

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0.20%

$2,500

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| Sep 7, 2023

Went to Stellar bank off Bay Area yesterday 8/6/23. I was 1 minute late, but a gentleman let me in and instructed me to a lady to my left. Unfortunately, the ONLY words to me that she said was "just to let... Read More

0.20%

$25,000

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0.20%

$2,500

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0.20%

$1,500

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| Sep 8, 2021

Just moved to south Texas from Oregon, and needed to open a local checking account. I liked the name, Lone Star National Bank so decided to give them a try; and am so glad that I did. Went to the lobby b... Read More

0.20%

$25,000

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0.20%

$2,500

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0.20%

$2,500

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| Oct 22, 2021

TrustTexas Bank was founded in 1921. Read More

0.20%

$2,500

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0.20%

$25,000

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0.20%

$2,500

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0.20%

$2,500

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0.20%

$25,000

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0.20%

$2,500

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0.20%

$25,000

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0.20%

$2,500

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0.20%

$2,500

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0.19%

$10,001

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0.18%

$2,500

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0.16%

$25,000

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| Sep 3, 2021

I could not keep up with the fee's being charged. Had to move to a credit union to stop the bleeding. Customer service was useless. Read More

0.16%

$2,500

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0.15%

$25,000

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0.15%

$10,000

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0.15%

$25,000

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| Mar 6, 2021

My family lives in Texas wanted to open and account with liberty bank Texas is name on Instagram is @obilo 10 10 u refuse him and stole his information cause he is black .plsss get it check out thank u Read More

0.15%

$100

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0.15%

$25,000

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0.15%

$1

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0.15%

$2,500

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0.15%

$1

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0.15%

$2,500

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0.15%

$25,000

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0.15%

$1

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0.15%

$2,500

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0.15%

$2,500

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0.15%

$25,000

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0.15%

$2,500

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0.15%

$2,500

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0.15%

$10,000

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0.15%

$2,500

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0.15%

$25,000

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0.15%

$1

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0.15%

$25,000

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0.15%

$2,500

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0.15%

$2,500

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0.15%

$2,500

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0.15%

$2,500

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0.15%

$2,500

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| Feb 17, 2022

Worst bank ever. Buying everyone and screwing them up. Read More

0.15%

$2,500

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0.15%

$2,500

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0.15%

$2,500

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0.15%

$2,500

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0.15%

$10,000

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0.15%

$25,000

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| Dec 1, 2020

This Bank and Bank of Brenham were great to deal with. Just a little drive out to the country and definitely worth it. Read More

0.15%

$25,000

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0.15%

$25,000

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| Aug 7, 2021

Worst banking institution I have ever dealt with. Three months to provide payment coupons and return envelopes. Into second year of erroneously instituted property tax and insurance coverage escrow failur... Read More

0.15%

$2,500

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0.15%

$25,000

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0.15%

$25,000

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0.15%

$2,500

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| Aug 12, 2021

Will not protect their customers against fraudulent debit card charges. Out hundreds of dollars due to multiple fraudulent charges, and they keep allowing same charges. RUN! Read More

0.15%

$2,500

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0.15%

$25,000

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| Jun 1, 2020

UMB does not honor the rate posted here! Read More

0.15%

$2,500

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0.15%

$2,500

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0.15%

$1,000

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0.15%

$2,500

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0.15%

$2,500

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0.15%

$25,000

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0.15%

$10,000

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0.15%

$10,000

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0.15%

$10,000

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0.15%

$2,500

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| Nov 7, 2018

now pays 1.46% Read More

0.15%

$2,500

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| Aug 4, 2022

Great CD rates & service Read More

0.15%

$2,500

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0.15%

$2,500

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| Dec 18, 2018

Rate after Dec 14, 2018 is 2.88 1yr Read More

0.15%

$2,500

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0.15%

$2,500

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0.15%

$10,000

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0.15%

$2,500

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| Feb 6, 2023

Lindale Community Bank with employees that care. Read More

0.15%

$2,500

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| Jun 28, 2017

showmefivethousanddollars Read More

0.15%

$25,000

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| Mar 25, 2015

OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More

0.15%

$25,000

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0.15%

$10,000

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0.15%

$2,500

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0.15%

$25,000

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0.15%

$2,500

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0.15%

$2,500

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0.15%

$2,500

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0.15%

$25,000

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0.15%

$2,500

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0.15%

$2,500

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0.15%

$25,000

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| May 3, 2016

Branchs locations, Houston, Tx. Read More

0.15%

$2,500

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0.15%

$2,500

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0.15%

$2,500

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0.15%

$2,500

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0.15%

$2,500

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0.15%

$10,000

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0.15%

$2,500

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| Mar 10, 2021

when and what is cost Read More

0.15%

$10,000

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0.15%

$25,000

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| Jun 25, 2016

Recommend this bank and Bank of Brenham! Friendly, helpful, and both have great rates! Read More

0.15%

$2,500

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0.15%

$25,000

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| Dec 1, 2020

Worth the drive out to the country! Read More

0.15%

$10,000

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0.15%

$25,000

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| Jan 23, 2021

This is the WORST bank ever!! We had a substantial amount of money taken from our accounts. When we first discovered it, we immediately met with Sue Hearn, VP in The Woodlands. Her first reaction was to ... Read More

0.15%

$2,500

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| Nov 23, 2020

This is a typical blow hard south texas bank that boasts its ability to “handle your money” and to “ loan up to 50k on the spot” “ we work with anyome regardless of credit” it’s a desperate b... Read More

0.15%

$2,500

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0.15%

$2,500

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0.15%

$2,500

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0.15%

$2,500

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0.15%

$2,500

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0.15%

$25,000

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0.15%

$2,500

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0.15%

$2,500

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0.15%

$2,500

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0.15%

$2,500

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0.15%

$2,500

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0.15%

$2,500

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0.15%

$2,500

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0.15%

$2,500

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0.15%

$2,500

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0.15%

$2,500

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0.13%

$2,500

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0.12%

$2,500

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0.12%

$25,000

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0.12%

$2,500

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0.11%

$25,000

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| Jan 26, 2022

You all Have Been Taking Peggy Wood Sterioti's Money for years . 2007-2022 Read More

0.11%

$2,500

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0.11%

$10,000

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| Sep 3, 2021

I could not keep up with the fee's being charged. Had to move to a credit union to stop the bleeding. Customer service was useless. Read More

0.10%

$100

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Rate History: 0.15% → 0.10%

| Jun 30, 2019

agree....finally did get thru though Read More

0.10%

$100

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0.10%

$25,000

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0.10%

$1

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| Aug 7, 2021

Are you open on sat. Read More

0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

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0.10%

$1

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| Oct 7, 2019

Just recently had the pleasure of doing a finance of some rental units. Mr. Hale and his staff were very professional and efficient in this process. I highly recommend them to anyone in our community. Read More

0.10%

$100

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| Sep 28, 2016

After looking around, looks like AlaskaUSA has the better current rate of 2 percent for 5 years. A little more can be obtained at Discover/AAA for a 10 year CD. Read More

0.10%

$10

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| Feb 25, 2023

I have been working for this company more than 5 years. I would not recommend any investment with First Citizens Bank. They are the worst performer on the market based on the customer and employee reviews... Read More

0.10%

$2,500

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0.10%

$50

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| Sep 8, 2021

Just moved to south Texas from Oregon, and needed to open a local checking account. I liked the name, Lone Star National Bank so decided to give them a try; and am so glad that I did. Went to the lobby b... Read More

0.10%

$50

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0.10%

$2,500

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0.10%

$100

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0.10%

$50

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0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

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0.10%

$25,000

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0.10%

$200

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0.10%

$2,500

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0.10%

$1

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0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

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| Mar 6, 2021

My family lives in Texas wanted to open and account with liberty bank Texas is name on Instagram is @obilo 10 10 u refuse him and stole his information cause he is black .plsss get it check out thank u Read More

0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

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| Mar 15, 2023

Oh Natty natty natty, haha the fact you need to take out (probably a second) loan for $160,000 on a $625,000 sends up all kinds of red flags. The bank was right to run away from YOU dear hahaha. Read More

0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

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0.10%

$150

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0.10%

$1

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0.10%

$1,000

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0.10%

$100

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0.10%

$10,000

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| Mar 24, 2022

I visited this bank yesterday, 3/23 and this rate 0.85% was NOT offered. Read More

0.10%

$10,000

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0.10%

$100

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0.10%

$2,500

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| Sep 30, 2015

Stephenville,Tx branch is very professional, helpful and possibly the best bank I have encountered. If you move to this region, consider this institution. You will be pleasantly satisfied. I in no way... Read More

0.10%

$2,500

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0.10%

$25,000

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0.10%

$2,500

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0.10%

$2,500

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| Jul 1, 2021

What day of the month do you report to the credit bureaus Read More

0.10%

$25,000

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0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

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0.10%

$25,000

Learn More

0.10%

$25,000

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0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

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| Dec 1, 2020

This Bank and Bank of Brenham were great to deal with. Just a little drive out to the country and definitely worth it. Read More

0.10%

$25,000

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0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

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| Aug 7, 2021

Worst banking institution I have ever dealt with. Three months to provide payment coupons and return envelopes. Into second year of erroneously instituted property tax and insurance coverage escrow failur... Read More

0.10%

$10,000

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0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

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| Aug 12, 2021

Will not protect their customers against fraudulent debit card charges. Out hundreds of dollars due to multiple fraudulent charges, and they keep allowing same charges. RUN! Read More

0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

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| Mar 16, 2020

What is the current 30 year mortgage rate? Read More

0.10%

$2,500

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0.10%

$10,000

Learn More

| Jun 1, 2020

UMB does not honor the rate posted here! Read More

0.10%

$2,500

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0.10%

$2,500

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0.10%

$10,000

Learn More

0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

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| Nov 26, 2019

They might be covered but they do little to safeguard your money. I was hacked, the hackers posed as bank employees accessed my account and made payments to fraudulent accounts. I had to explain to them wh... Read More

0.10%

$2,500

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0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

| Jan 8, 2024

Awful, rude unprofessional! Beware Read More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

| Aug 4, 2022

Great CD rates & service Read More

0.10%

$2,500

Learn More

| Dec 18, 2018

Rate after Dec 14, 2018 is 2.88 1yr Read More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

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0.10%

$25,000

Learn More

| Mar 19, 2021

... Read More

0.10%

$2,500

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0.10%

$2,500

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0.10%

$25,000

Learn More

0.10%

$2,500

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0.10%

$2,500

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| Jun 28, 2017

showmefivethousanddollars Read More

0.10%

$2,500

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| Mar 25, 2015

OLIVER NORTH AIR LINES GOVERNOR BLANCO Read More

0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$25,000

Learn More

0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

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0.10%

$10,000

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0.10%

$10,000

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0.10%

$25,000

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0.10%

$10,000

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0.10%

$2,500

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| May 3, 2016

Branchs locations, Houston, Tx. Read More

0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

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0.10%

$2,500

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| May 1, 2016

I have had this bank for the past 10 years and I would not want to change banks due to friendly customer service over the phone as I live a hundred miles from this bank. I always get my questions answered ... Read More

0.10%

$2,500

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0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$25,000

Learn More

| Sep 27, 2023

They take excellent care of their customers. Wish they had more branches. I appreciate they are so involved in their respective communities. Read More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

| Mar 10, 2021

when and what is cost Read More

0.10%

$2,500

Learn More

0.10%

$2,500

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0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

| Jun 25, 2016

Recommend this bank and Bank of Brenham! Friendly, helpful, and both have great rates! Read More

0.10%

$2,500

Learn More

| Dec 1, 2020

Worth the drive out to the country! Read More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

| Jan 23, 2021

This is the WORST bank ever!! We had a substantial amount of money taken from our accounts. When we first discovered it, we immediately met with Sue Hearn, VP in The Woodlands. Her first reaction was to ... Read More

0.10%

$2,500

Learn More

| Nov 23, 2020

This is a typical blow hard south texas bank that boasts its ability to “handle your money” and to “ loan up to 50k on the spot” “ we work with anyome regardless of credit” it’s a desperate b... Read More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$10,000

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$10,000

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More

0.10%

$2,500

Learn More
All rates listed are Annual Percentage Yield (APY). The APY rate in a savings account or money market account is a variable rate that is subject to change at any point. The Min listed is the minimum deposit account balance required to obtain the rate listed.


BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

TEXAS SAVINGS ACCOUNT ENVIRONMENT


Overall, the banking market in Texas is diverse and competitive, with a mix of large, regional, and community-focused institutions providing a wide range of services to individuals, businesses, and communities throughout the state.

1. National/International Banks: Texas has a significant presence of large national and international banks such as Bank of America, Wells Fargo, JPMorgan Chase, and Citibank. These banks operate across the entire state and offer a wide range of banking services including personal banking, business banking, wealth management, and investment services.

2. Regional Banks: Texas is home to several regional banks that primarily operate within the state or certain regions within the state. Examples of these regional banks include Frost Bank, Texas Capital Bank, Amegy Bank, and Comerica Bank. These banks have a significant market share and provide various financial services to individuals and businesses within their respective regions.

3. Community Banks: Texas has a large number of community banks that mainly serve small to medium-sized local communities. These banks often focus on personal and commercial banking needs of the local population and play an essential role in supporting local businesses and community development. Examples of community banks in Texas include Independent Bank, Allegiance Bank, and Veritex Community Bank.

4. Credit Unions: Texas also has a strong presence of credit unions, which are member-owned financial cooperatives that provide financial services to their members. Credit unions typically have a specific membership criteria or affiliation, and they offer a range of banking products including savings accounts, loans, and credit cards. Some prominent credit unions in Texas include Security Service Federal Credit Union, United Federal Credit Union, and Randolph-Brooks Federal Credit Union.

FREQUENTLY ASKED QUESTIONS ABOUT LOCAL SAVINGS RATES


Why do savings rates vary so much?

Even though rates are at levels that are historically very low, there is competition for your money. Like any active marketplace, there are buyers and sellers of goods and services at different prices. Banks have different cost structures and they also have different needs for capital. This leads to different rates.

BestCashCow’s surveys show that online banks offer higher savings and CD rates because they have lower expenses from not having to maintain brick-and-mortar locations. Therefore, we strongly recommend that all depositors consider the rates at online banks as savings and money market accounts online can easy be set up to enable quick transfers to your favorite local bank.

What is the difference between a savings account and a money market account?

The differences between a savings account and a money market account are largely arcane. Some money market accounts offer more ways access deposits by issuing checks and debit cards, but prudent consumers will compare the two interchangeably, focusing primarily on rates and service among FDIC-insured banks (or NCUA-insured, for credit unions). Most savvy consumers who plan their expenses and financial needs ahead find the additional functionality offered by money markets to be of little value and will choose whichever account (savings or money market) has the higher rate.

What does annual percentage yield (APY) mean?

Savings rates are displayed in terms of APY to indicate the effective annual-interest return, including the compounding of interest, of the course of a single year. $100,000 deposited in a savings or CD account with a 1.20% APY will earn $1,200 in the course of the year, but monthly interest in the first few months may be less than $100 a month (this also depends on the number of days in the month). Hence, the APY rate is ordinarily a couple of basis points above the real interest rates. Unlike with a Certificate of Deposit, your actual APY in a savings may vary if the rate changes.

How do I choose the right savings account and should I consider CDs?

Begin your search with the table here on BestCashCow.com that you have found. In addition to checking online savings rates, you should also check local bank rates and local credit union rates. If you are unlikely to require access to your cash for some time, you may also consider certificates of deposit (CDs). While CDs have penalties for early withdrawal that may even eat into your principal, the rates on 2, 3, 4 and 5 year CDs are ordinarily significantly higher than savings rates. Several other sections and articles on BestCashCow can also help you to identify your proper cash allocation between savings and CDs. Access these below. You should also familiarize yourself with our Savings & CD Calculator in order to understand the importance of compounding interest at higher rates on your savings over time.

8 POINT CHECKLIST FOR A GREAT BANKING RELATIONSHIP WITH YOUR LOCAL BANK

  • Find a bank with a location convenient to you. Location counts.
  • Choose a bank with good rates. Rates are important to get continued growth of your capital.
  • Choose a bank with an extensive network of fee-free ATM machines or which reimburses out-of-network ATM fees, if you still need to regularly access cash.
  • Avoid fees. Choose a bank which doesn’t have service fees provided you maintain a certain balance, which doesn’t charge for ACH inbound and outbound transfers, and which has low fees for things like international wire transfers and bounced checks.
  • Choose a healthy bank. If you click on a bank above, you’ll be taken to the bank’s financial detail. A healthy bank has happy employees and provides loyal service to its customers. No matter how healthy your bank is, stay within FDIC insurance limits.
  • Find something of value to offset what may be slightly lower rates than online accounts offer. Develop personal relationship with your bankers. Personal relationships can help you to get appropriate financial advice, and to navigate financial challenges and needs in the future. (Be careful with the financial advice you receive. Inappropriate financial advice is worth a lot less than no financial advice.) They can also put you in touch with others in your community who could be valuable personally and professionally to know. If you don't use your local savings account as an opportunity to build these relationships, you may find that you are better of banking online.
  • Choose a bank that is going to let you access your cash when you need. The great benefit of savings accounts over any other financial product (including CDs) is that you have absolute liquidity. If your bank in creating impediments to accessing your cash (paperwork, fees, etc.), then you need another bank.
  • Be aware that you can have more than one account. Having a great local savings account at a large or small bank near you can be great, but it doesn't need to stop you from opening one or more online savings accounts, or even developing a relationship with another local bank or credit union.

SAVINGS & CD CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.