Best Money Market Rates in Harker Heights, Texas - July 2026
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Brian McKay
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Current Harker Heights, Texas and the surrounding area money market deposit account rates include A+ Federal Credit UnionA+ Federal Credit Union400 W Central Texas Expy, Harker Heights, TX 76548 1745A-5.0 ★Texas Ratio: 12.83% Tiered Money Market at 0.70% APY, Pentagon Federal Credit UnionPentagon Federal Credit Union701 W Central Texas Expy, Harker Heights, TX 76548A5.0 ★Texas Ratio: 8.82% Money Market Savings Account at 0.05% APY, TruistTruistA+5.0 ★Texas Ratio: 3.63% Small Business Money Market Account at 4.00% APY, Mobility Credit UnionMobility Credit UnionA5.0 ★Texas Ratio: 11.85% Money Market at 3.82% APY, and State Bank of TexasState Bank of TexasA+5.0 ★Texas Ratio: 2.36% High-Rate Jumbo Money Market at 3.76% APY. Money market rates as of July 28, 2026 according to verified data from MonitorBankRates.
Harker Heights has 2 local institutions in our database, with money market rates as high as 0.70% APY from A+ Federal Credit Union at 400 W Central Texas Expy, Harker Heights, TX 76548 1745. Use the table below to compare all available offers, including options from institutions serving the broader Texas area. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Harker Heights, Texas and surrounding area. Last Updated and Verified: July 28, 2026
Compare the Best Money Market Rates Today in Harker Heights, Texas & the Surrounding Area
Eligible clients can open a new Truist Business Money Market Account and earn up to 4.00% annual percentage yield (APY) for balances between $5,000 - $4,999,999.99.
Earn up to 5.12% APY and get low-rate loans with fast local approvals.
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. $100,000 minimum balance required to earn stated rate. Fees could reduce the earnings on the account. A monthly service charge of $20 will be assessed if account does not maintain an average daily balance of $25,000.
On balance above $350,000
Guaranteed for 6 months ON ALL BALANCES. After the promotional period, the account will automatically convert to the Bank's standard Money Market account and earn the then-current variable APY, which may change at any time at the Bank's discretion. Available to new clients or existing clients who deposit new funds not currently on deposit with us. New funds are funds not currently on deposit with BankUnited and not transferred from another BankUnited account.
New money only
New money only
APY is accurate as of 12/01/2025. Required minimum balance to open is $500. This is a variable rate account. Dividend rates and balance tiers may change at any time without prior notice. Dividends on Money Market Accounts will be compounded monthly and credited each calendar month. APY is accurate as of the last dividend declaration date. Fees could reduce the earnings on the account.
This is a variable rate account. Dividend rates and balance tiers may change at any time without prior notice. Fees could reduce the earnings on the account.
Rate: Federal Funds Effective Rate minus 0.25%
With Private Client Account****
With Huntington Perks Checking**
Non-Relationship Rate
$500,000.00 and above
$250,000.00 - $499,999.99
Rate: Federal Funds Effective Rate minus 0.50%
Tiered balance
($100,000 and up)
Fees may reduce earnings on the account. Rate may change after account opens. Rates and APY as of 1/22/2026
Fees may reduce earnings on the account. Rate may change after account opens. Rates and APY as of 1/22/2026
Fees may reduce earnings on the account. Rate may change after account opens. Rates and APY as of 1/22/2026
Fees may reduce earnings on the account. Rate may change after account opens. Rates and APY as of 1/22/2026
$5 monthly maintenance charge waived when minimum balance requirement is met. APY accurate as of 12/11/2025. APY/rate may change at any time before or after the account is opened. Fees may reduce earnings.
Rates effective 9/29/2025. APY = Annual Percentage Yield. Rates subject to change based on account balance criteria. Fees may reduce earnings.
Rates based on zip code and with a minimum of $25,000 not currently deposited at Huntington. Variable rate. Balances $2,000,001.00 and above currently earn 0.25% (0.25% APY). Balances below $25,000.00 do not earn interest and may be subject to a $25.00 per month maintenance fee. Fees may reduce earnings. When your balance falls into a specific rate tier, your entire balance will earn the applicable rate in effect for that tier.
Fees may reduce earnings on the account; Rate may change after account opens
Rate: Federal Funds Effective Rate minus 1.00%
$5 monthly maintenance charge waived when minimum balance requirement is met. APY accurate as of 12/11/2025. APY/rate may change at any time before or after the account is opened. Fees may reduce earnings.
Minimum to Earn Interest: $2,500
Dividends: Monthly
Money Market as high as 2.50% APY*
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.
Harker Heights, TX Money Market Rate Trends
Compare local Harker Heights, TX 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.
Texas high-yield MMA rates fell 0.325 points over the past 7 days to 3.058% APY.
Texas standard MMA rates rose 0.256 points over the past 7 days to 0.986% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Harker Heights, Texas money market rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market deposit account rates for Harker Heights, 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 Harker Heights, 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 Harker Heights, Texas
What is a Money Market Account (MMA)?
Are Money Market accounts in Harker Heights, Texas safe?
How often do MMA rates change in Harker Heights, Texas?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Harker Heights, Texas?
Best Money Market Rates in Harker Heights, Texas
- A+ Federal Credit Union
Tiered Money Market — 0.70% APY - Pentagon Federal Credit Union
Money Market Savings Account — 0.05% APY - Truist
Small Business Money Market Account — 4.00% APY - Mobility Credit Union
Money Market — 3.82% APY - State Bank of Texas
High-Rate Jumbo Money Market — 3.76% APY
Harker Heights, Texas Rates & Resources
