Best Money Market Rates in Houston, Texas (TX) - March 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Houston, Texas and the surrounding area money market rates include Chartway Credit UnionChartway Credit Union4373 FM 1960 West, Houston, TX 77014A+5.0 ★Texas Ratio: 1.26% Money Market Plus at 4.15% 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, OWB One World BankOWB One World Bank10080 Bellaire Blvd Ste 101, Houston, TX 77072A+5.0 ★Texas Ratio: 0.80% Rocket 88 Money Market Accounts (Personal & Business) at 3.75% APY, Together Credit UnionTogether Credit Union775 Gellhorn Dr, Houston, TX 77029 1416A+5.0 ★Texas Ratio: 5.65% Money Market at 3.75% APY, and Essential Credit UnionEssential Credit Union12012 Space Center Blvd, Houston, TX 77059A5.0 ★Texas Ratio: 11.36% Money Market Tiers at 3.60% APY. Money market rates as of March 28, 2026 according to verified data from MonitorBankRates.
To see how these money market rates in Houston, Texas and the surrounding area compare, use our comprehensive tables below for side-by-side comparisons so you can find the best yields available. Rates in Houston, Texas (TX) are continually updated we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Houston, Texas and surrounding area. Last Updated and Verified: March 28, 2026
Compare the Best Money Market Rates Today in Houston, Texas & the Surrounding Area
Includes a 0.25% APY Relationship Bonus. To earn the Money Market Plus Relationship Bonus Rate, you must maintain any personal or business checking account and an average daily balance (ADB) of $10,000 or more in the Money Market Plus account during the calendar month. Both the checking account and the Money Market Plus account must be under the same member number. The monthly qualification cycle is defined as the period beginning on the first calendar day of the month and ending on the last calendar day of the month. Fees may reduce earnings on the account. Certain conditions and restrictions may apply. Rates are subject to change without notice. Please refer to the Membership Agreement and Disclosures for terms and conditions applicable to specific accounts.
Minimum of $25,000 not currently deposited at Huntington.
Includes a 0.25% APY Relationship Bonus. To earn the Money Market Plus Relationship Bonus Rate, you must maintain any personal or business checking account and an average daily balance (ADB) of $10,000 or more in the Money Market Plus account during the calendar month. Both the checking account and the Money Market Plus account must be under the same member number. The monthly qualification cycle is defined as the period beginning on the first calendar day of the month and ending on the last calendar day of the month. Fees may reduce earnings on the account. Certain conditions and restrictions may apply. Rates are subject to change without notice. Please refer to the Membership Agreement and Disclosures for terms and conditions applicable to specific accounts.
New money only
New money only
With Private Client Account****
On balance above $350,000
With Huntington Platinum Perks Checking***
With Huntington Perks Checking**
Non-Relationship Rate
new money
Minimum of $25,000 not currently deposited at Huntington.
Premium rate tiers with an active checking account
Premium rate tiers with an active checking account
Premium rate tiers with an active checking account
$500 Minimum to obtain APY disclosed
$500 Minimum to obtain APY disclosed
$500 Minimum to accrue interest
$500 Minimum to obtain APY disclosed
$500 Minimum to obtain APY disclosed
$5 monthly maintenance charge waived when minimum balance requirement is met
$500 Minimum to accrue interest
Premium rate tiers with an active checking account
$5 monthly maintenance charge waived when minimum balance requirement is met
Default rate tiers without an active checking account
Includes a 0.25% APY Relationship Bonus. To earn the Money Market Plus Relationship Bonus Rate, you must maintain any personal or business checking account and an average daily balance (ADB) of $10,000 or more in the Money Market Plus account during the calendar month. Both the checking account and the Money Market Plus account must be under the same member number. The monthly qualification cycle is defined as the period beginning on the first calendar day of the month and ending on the last calendar day of the month. Fees may reduce earnings on the account. Certain conditions and restrictions may apply. Rates are subject to change without notice. Please refer to the Membership Agreement and Disclosures for terms and conditions applicable to specific accounts.
$500 Minimum to accrue interest
Default rate tiers without an active checking account
$500 Minimum to obtain APY disclosed
$500 Minimum to obtain APY disclosed
$500 Minimum to accrue interest
Get a 1.80% APY on balances of $10,000; Up to six free withdrawals per statement cycle
Based on average daily balance
Based on average daily balance
Default rate tiers without an active checking account
Default rate tiers without an active checking account
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.
Houston, TX Money Market Rate Trends
Compare local Houston, TX MMA rate quotes against the statewide average
Weekly money market rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Texas high-yield MMA rates fell 1.336 points this week to 1.784% APY, down from 3.120% last week.
Texas standard MMA rates rose 0.174 points this week to 1.227% APY, up from 1.052% last week.
Methodology & Data Sources
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market account rates for Houston, 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 Houston, 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 Houston, Texas
What is a Money Market Account (MMA)?
Are Money Market accounts in Houston, Texas safe?
How often do MMA rates change in Houston, Texas?
Can I write checks from a Money Market Account?
Best Money Market Rates in Houston, Texas
- Chartway Credit Union
Money Market Plus — 4.15% APY - The Huntington National Bank
High-Yield Money Market — 3.82% APY - OWB One World Bank
Rocket 88 Money Market Accounts (Personal & Business) — 3.75% APY - Together Credit Union
Money Market — 3.75% APY - Essential Credit Union
Money Market Tiers — 3.60% APY
