Best Money Market Rates in Texas (TX) - May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
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.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Texas money market deposit account rates include MCT Credit UnionMCT Credit Union2736 Nall St, Port Neches, TX 77651 5204A+5.0 ★Texas Ratio: 2.43% Kasasa Cash* Money Market Account at 5.55% APY, The Huntington National BankThe Huntington National Bank7500 San Felipe St, Houston, TX 77063A+5.0 ★Texas Ratio: 4.60% High-Yield Money Market at 3.82% APY, Fannin BankFannin Bank230 E 3rd St, Bonham, TX 75418A+5.0 ★Texas Ratio: 5.49% Money Market at 3.82% APY, State Bank of TexasState Bank of Texas517 W I 30, Garland, TX 75043A+5.0 ★Texas Ratio: 2.36% High-Rate Jumbo Money Market at 3.76% APY, and OWB One World BankOWB One World Bank2449 Walnut Hill Ln, Dallas, TX 75229A+5.0 ★Texas Ratio: 0.80% Rocket 88 Money Market Accounts (Personal & Business) at 3.75% APY. Money market rates as of May 4, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare money market rates across Texas side-by-side. Texas money market rates currently reach as high as 5.55% APY from MCT Credit Union at 2736 Nall St, Port Neches, TX 77651 5204. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Texas and surrounding area. Last Updated and Verified: May 4, 2026
Compare the Best Money Market Rates Today in Texas
Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
2736 Nall St, Port Neches, TX 77651 5204
Kasasa Cash* Money Market Account
5.55%
$5
▼
Rate5.41%
Min Deposit$5
Min Balance—
UpdatedMay 2, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
7500 San Felipe St, Houston, TX 77063
Huntington Relationship Money Market
3.82%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
7500 San Felipe St, Houston, TX 77063
High-Yield Money Market
3.82%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
Minimum of **$25,000** not currently deposited at Huntington.
Fannin Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.49%
230 E 3rd St, Bonham, TX 75418
Money Market
3.82%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details
State Bank of Texas
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
517 W I 30, Garland, TX 75043
High-Rate Jumbo Money Market
3.76%
$100,000
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 4, 2026
Details
Annual Percentage Yield is accurate as of posting date and applies to new money deposits only. Rate is subject to change without notice after account opening. Fees and/or withdrawals could reduce the earnings on the account.
OWB One World Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
2449 Walnut Hill Ln, Dallas, TX 75229
Rocket 88 Money Market Accounts (Personal & Business)
3.75%
$0
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Community Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
250 FM 2821 Rd W, Huntsville, TX 77320 8422
High Yield Savings (Money Market)
3.60%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Essential Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.36%
1199 Pasadena Blvd, Pasadena, TX 77501
Money Market
3.60%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Essential Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.36%
1199 Pasadena Blvd, Pasadena, TX 77501
Money Market Accounts
3.60%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
On balance above $350,000
Lone Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2600 S Gessner Rd, Houston, TX 77063
Personal Money Market and over
3.56%
$250
▼
Rate3.50%
Min Deposit$250
Min Balance—
UpdatedMay 3, 2026
Details
$500,000
Lone Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2600 S Gessner Rd, Houston, TX 77063
Personal Money Market
3.56%
$250
▼
Rate3.50%
Min Deposit$250
Min Balance—
UpdatedMay 3, 2026
Details
$250,000-$499,999
Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
2501 S State Highway 121 BUS, Lewisville, TX 75067 4394
Sun Fund Money Market
3.51%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Balance $50,000 or more
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
7034 Alamo Downs Pkwy, San Antonio, TX 78238
Money Market Special Intro rate
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$15,000+
Community Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
250 FM 2821 Rd W, Huntsville, TX 77320 8422
High Yield Savings (Money Market)
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Texans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
777 E Campbell Rd, Richardson, TX 75081 1891
Performance Money Market Account
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Texans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
777 E Campbell Rd, Richardson, TX 75081 1891
Money Market Account
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
APY as high as 3.50%
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
100 Dominion Park Dr, Houston, TX 77090 6716
Money Market Max
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Sunflower Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
200 W Morgan, Meridian, TX 76665
Thrive Money Market
3.45%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
$24,999.01 & Above
Truist
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
2312 Main St, Caddo Mills, TX 75135
Small Business Money Market Account
3.40%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
100 Dominion Park Dr, Houston, TX 77090 6716
Money Market Max
3.40%
$0
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Community Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
250 FM 2821 Rd W, Huntsville, TX 77320 8422
High Yield Savings (Money Market)
3.40%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Golden Bank National Association
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
9315 Bellaire Blvd, Houston, TX 77036
money market account
3.38%
$20,000
▼
Rate—
Min Deposit$20,000
Min Balance—
UpdatedApr 16, 2026
Details
new money
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
4405 Summerhill Rd, Texarkana, TX 75503
Commercial Money Market
3.35%
$0
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
($2,500 Opening Balance)
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
100 Dominion Park Dr, Houston, TX 77090 6716
Money Market Max
3.30%
$0
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Lone Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2600 S Gessner Rd, Houston, TX 77063
Business Money Market
3.25%
$2,500
▼
Rate3.20%
Min Deposit$2,500
Min Balance—
UpdatedMay 3, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
Money Market Plus
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
American State Bank (TX)
Institution Rating:
A-4.9 ★ Texas Ratio: 16.23%
102 W Front, Arp, TX 75750
Pinnacle Money Market Account Tier 3
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
NexBank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.79%
2515 Mckinney Ave, Dallas, TX 75201
High-Yield Money Market Account
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
American State Bank (TX)
Institution Rating:
A-4.9 ★ Texas Ratio: 16.23%
102 W Front, Arp, TX 75750
Pinnacle Money Market Account
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
American State Bank (TX)
Institution Rating:
A-4.9 ★ Texas Ratio: 16.23%
102 W Front, Arp, TX 75750
Pinnacle Money Market Account Tier 4
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
Money Market Plus Account
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
17 S 1st St, Temple, TX 76501 7603
Money Market
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Community Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
250 FM 2821 Rd W, Huntsville, TX 77320 8422
High Yield Savings (Money Market)
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Texans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
777 E Campbell Rd, Richardson, TX 75081 1891
Performance Money Market Account
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
1404 N Lee Trevino Dr, El Paso, TX 79936 6533
Money Market Savings
3.20%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details
On balances of $25,000+
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
7500 San Felipe St, Houston, TX 77063
Huntington Relationship Money Market
3.20%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
100 Dominion Park Dr, Houston, TX 77090 6716
Money Market Max
3.20%
$0
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
7500 San Felipe St, Houston, TX 77063
High-Yield Money Market
3.20%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
Minimum of **$25,000** not currently deposited at Huntington.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
4405 Summerhill Rd, Texarkana, TX 75503
Commercial Money Market
3.15%
$0
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
($2,500 Opening Balance)
Community Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
250 FM 2821 Rd W, Huntsville, TX 77320 8422
High Yield Savings (Money Market)
3.15%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX 77073 5114
Advantage IRA Money Market
3.15%
$0
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX 77073 5114
Advantage Money Market
3.15%
$0
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX 77073 5114
Business Advantage Money Market Account
3.15%
$0
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Oakwood Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.07%
8411 Preston Rd Ste 106, Dallas, TX 75225
MAX Money Market
3.12%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
b1BANK
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
8411 Preston Rd, Dallas, TX 75225
MAX Money Market
3.12%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
100 Dominion Park Dr, Houston, TX 77090 6716
Money Market Max
3.10%
$0
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
The MINT National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
1213 Kingwood Dr, Kingwood, TX 77339
ManageMINT Emerald MMA
3.10%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
The MINT National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
1213 Kingwood Dr, Kingwood, TX 77339
MonuMINT Emerald MMA
3.10%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
15203 Knoll Trail Dr Ste 101, Dallas, TX 75248
Money Market
3.05%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
Prestige Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
15203 Knoll Trail Dr Ste 101, Dallas, TX 75248
High Yield Money Market
3.05%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
Community Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
250 FM 2821 Rd W, Huntsville, TX 77320 8422
High Yield Savings (Money Market)
3.05%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Armed Forces Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
1617 Pleasonton Rd Ste G 109, El Paso, TX 79906
Premier Money Market
3.05%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Sunflower Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
200 W Morgan, Meridian, TX 76665
Thrive Money Market
3.05%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
$24,999.00 & Below
Texoma Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
3800 Sheppard Access Rd, Wichita Falls, TX 76306
MMA Platinum and up)
3.04%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
$100,000
Trinity Bank, N.A.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
3500 W Vickery Blvd, Fort Worth, TX 76107
Trinity Commercial Money Market Account
3.04%
$500
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 3, 2026
Details
BP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
15455 Memorial Dr Ste 200, Houston, TX 77079 4136
Money Market
3.04%
$2,500
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedApr 27, 2026
Details
$100,000 +
Trinity Bank, N.A.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
3500 W Vickery Blvd, Fort Worth, TX 76107
Trinity Personal Money Market Account
3.04%
$500
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 3, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
100 Dominion Park Dr, Houston, TX 77090 6716
Money Market Max
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
1021 Central Expy S, allen, TX 75013 2790
Business Money Market Plus
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Texans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
777 E Campbell Rd, Richardson, TX 75081 1891
Performance Money Market Account
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
TEXAR Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
2301 RICHMOND RD, TEXARKANA, TX 75503
Money Market Checking
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
4405 Summerhill Rd, Texarkana, TX 75503
Commercial Money Market
3.00%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
($2,500 Opening Balance)
Planters Bank & Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
4801 Old Jacksonville Hwy, Tyler, TX 75703
High Yield Money Market
2.95%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Lone Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2600 S Gessner Rd, Houston, TX 77063
Business Money Market
2.94%
$2,500
▼
Rate2.90%
Min Deposit$2,500
Min Balance—
UpdatedMay 3, 2026
Details
Del Rio SP Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
106 N Main St, Del Rio, TX 78840
Money Market
2.85%
$0
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
Balances of $100,000.00 and over
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
4405 Summerhill Rd, Texarkana, TX 75503
Commercial Money Market
2.85%
$0
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
($2,500 Opening Balance)
Community Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
250 FM 2821 Rd W, Huntsville, TX 77320 8422
High Yield Savings (Money Market)
2.85%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Trinity Bank, N.A.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
3500 W Vickery Blvd, Fort Worth, TX 76107
Trinity Personal Money Market Account
2.84%
$500
▼
Rate2.80%
Min Deposit$500
Min Balance—
UpdatedMay 3, 2026
Details
Trinity Bank, N.A.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
3500 W Vickery Blvd, Fort Worth, TX 76107
Trinity Commercial Money Market Account
2.84%
$500
▼
Rate2.80%
Min Deposit$500
Min Balance—
UpdatedMay 3, 2026
Details
First Liberty Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
2600 Dallas Pkwy, Frisco, TX 75034
Platinum Money Market
2.80%
$0
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 8.53%
1802 Texas Tech Parkway, Lubbock, TX 79409
Money Market Savings
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2802 York Ave Unit D, LUBBOCK, TX 79407 2632
Money Market Savings
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2601 Network Blvd, Frisco, TX 75034
Money Market
2.70%
$0
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
First Liberty Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
2600 Dallas Pkwy, Frisco, TX 75034
Platinum Money Market
2.60%
$0
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
4405 Summerhill Rd, Texarkana, TX 75503
Money Market
2.60%
$0
▼
Rate2.60%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details
($2,500 Opening Balance)
Del Rio SP Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
106 N Main St, Del Rio, TX 78840
Money Market
2.60%
$0
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details
Balances of $50,000.00 to $99,999.99
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.94%
2801 N 6th St, Abilene, TX 79603
Money Market Savings Account
2.53%
$2,500
▼
Rate2.50%
Min Deposit$2,500
Min Balance—
UpdatedApr 25, 2026
Details
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX 78232
Plus Money Market
2.50%
$25,000
▼
Rate2.47%
Min Deposit$25,000
Min Balance—
UpdatedMay 3, 2026
Details
$25,000 Minimum Initial Deposit; MMA Rates and APYs valid for IRAs
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX 78232
Plus Money Market Account
2.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Qualifying balance up to $1,000.00
Texans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
777 E Campbell Rd, Richardson, TX 75081 1891
Performance Money Market Account
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Community Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
250 FM 2821 Rd W, Huntsville, TX 77320 8422
High Yield Savings (Money Market)
2.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
1021 Central Expy S, allen, TX 75013 2790
Money Market Max
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
17 S 1st St, Temple, TX 76501 7603
Money Market
2.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
HEB Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.73%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
Money Market Plus* Greater than
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details
$100,000
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX 78232
Business Money Market
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
No Minimum Initial Deposit
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX 78232
FB-Org Money Market Account [MMA]
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
No Minimum Initial Deposit
TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 8.53%
1802 Texas Tech Parkway, Lubbock, TX 79409
Money Market Savings
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 8.53%
1802 Texas Tech Parkway, Lubbock, TX 79409
Money Market Savings
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details
NexBank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.79%
2515 Mckinney Ave, Dallas, TX 75201
High-Yield Money Market Account
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Liberty Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
2600 Dallas Pkwy, Frisco, TX 75034
Platinum Money Market
2.20%
$0
▼
Rate2.18%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
The MINT National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
1213 Kingwood Dr, Kingwood, TX 77339
MonuMINT Emerald MMA Balances less than
2.10%
$0
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
$250,000; (Money Market)
First Liberty Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
2600 Dallas Pkwy, Frisco, TX 75034
Platinum Money Market
2.10%
$0
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
The MINT National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
1213 Kingwood Dr, Kingwood, TX 77339
ManageMINT MMA
2.10%
$0
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
(formerly ManageMINT Savings)
The MINT National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
1213 Kingwood Dr, Kingwood, TX 77339
ManageMINT Emerald MMA Balances less than
2.10%
$0
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
$500,000; (Money Market)
The MINT National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
1213 Kingwood Dr, Kingwood, TX 77339
MonuMINT MMA
2.10%
$0
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
(formerly MonuMINT Savings)
FSB Louise, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
731 W Leona St, Dilley, TX 78017
Tiered Money Market: Tier 3
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
FNB of Hereford
Institution Rating:
B+4.7 ★ Texas Ratio: 18.40%
301 W 3rd St, Hereford, TX 79045
Money Market
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Perryton National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
825 S Main St, Perryton, TX 79070
Insured Money Market Account
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX 78232
Business Money Market
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
No Minimum Initial Deposit
FNB of Hereford
Institution Rating:
B+4.7 ★ Texas Ratio: 18.40%
301 W 3rd St, Hereford, TX 79045
Money Market
1.92%
$0
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedMay 3, 2026
Details
Powered by
MonitorBankRates
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. Rates reflect recent market quotes and representative offers available to depositors in Texas and the surrounding area.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Texas Money Market Rate Trends
Compare local Texas money market quotes against the statewide average
Daily money market rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield MMA — TX Avg
3.362%
▲ 0.043 vs 7 days ago
Texas high-yield MMA rates rose 0.043 points over the past 7 days to 3.362% APY.
Standard MMA — TX Avg
0.771%
▼ 0.012 vs 7 days ago
Texas standard MMA rates fell 0.012 points over the past 7 days to 0.771% APY.
As of May 5, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market deposit account rates for Texas directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every money market rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Texas. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in TX.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Money Market Accounts in Texas
What is a Money Market Account (MMA)?
A Money Market Account (MMA), formally known as a money market deposit account (MMDA), is a type of deposit account that often pays higher interest rates than standard savings accounts. They usually come with check-writing privileges and debit card access, offering a balance of growth and liquidity for savers in Texas.
Are Money Market accounts in Texas safe?
Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Texas up to $250,000 per depositor, per institution.
How often do MMA rates change in Texas?
Money market rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Texas rate tables daily to ensure you see the most current high-yield options.
Can I write checks from a Money Market Account?
Yes, most Money Market Accounts allow you to write a limited number of checks or make debit card transactions each month (typically up to 6), making them more flexible than a standard savings account.
How much do I need to deposit to open a money market account in Texas?
Minimum deposit requirements vary widely. Some online money market deposit accounts can be opened with no minimum, while many banks and credit unions in Texas require an initial deposit of $1,000 to $2,500 to earn the highest advertised APY. Larger deposits often unlock higher rate tiers, and FDIC or NCUA insurance protects deposits up to $250,000 per depositor, per institution.
Best Money Market Rates in Texas
Here are some of the highest money market account APYs currently available in Texas:
- MCT Credit Union
Kasasa Cash* Money Market Account — 5.55% APY - The Huntington National Bank
High-Yield Money Market — 3.82% APY - Fannin Bank
Money Market — 3.82% APY - State Bank of Texas
High-Rate Jumbo Money Market — 3.76% APY - OWB One World Bank
Rocket 88 Money Market Accounts (Personal & Business) — 3.75% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Texas. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 4, 2026
Cities in Texas
Rate Assistant
MonitorBankRates.com · Live Data
Try asking