Katy, Texas Money Market Rates - October 2026
Brian McKay
Brian McKay
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Katy, Texas money market account rates range from 0.03% to 3.80% APY, verified by MonitorBankRates as of October 14, 2026. Current Katy, Texas and the surrounding area money market deposit account rates include Vio BankVio Bank21776 Katy Fwy, Katy, TX 77449A+5.0 ★Texas Ratio: 4.93%Real return: +0.60%APY minus 2.8% CPI (February 2026) Cornerstone Money Market Savings Account at 3.40% APY, Members Choice Credit UnionMembers Choice Credit Union3770 Fry Rd, Katy, TX 77449 6728A5.0 ★Texas Ratio: 7.07%Real return: +0.20%APY minus 2.8% CPI (February 2026) Business High-Yield Variable Rate - Maximum Money MarketTM at 3.00% APY, First Community Credit Union Houston, TXFirst Community Credit Union Houston, TX25675 Nelson Way, Katy, TX 77494A+5.0 ★Texas Ratio: 3.58%Real return: -0.55%APY minus 2.8% CPI (February 2026) Money Market Fund at 2.25% APY, Gulf Coast Educators Federal Credit UnionGulf Coast Educators Federal Credit Union27252 Katy Fwy, Katy, TX 77494 1001A+5.0 ★Texas Ratio: 3.85%Real return: -0.78%APY minus 2.8% CPI (February 2026) Money Market at 2.02% APY, and SHELLSHELL23125 Morton Ranch Rd, Katy, TX 77449A+5.0 ★Texas Ratio: 3.83%Real return: -0.80%APY minus 2.8% CPI (February 2026) Money Market at 2.00% APY. Money market rates as of October 14, 2026 according to verified data from MonitorBankRates.
Katy has 12 local institutions in our database, with money market rates as high as 3.40% APY from Vio Bank at 21776 Katy Fwy, Katy, TX 77449. Use the table below to compare all available offers, including options from institutions serving the broader Texas area. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Katy, Texas and surrounding area. Last Updated and Verified: October 14, 2026
Compare the Best Money Market Rates Today in Katy, Texas & the Surrounding Area
Balance: All Balances; Interest compounded daily; Open online; $5 monthly fee if you receive paper statements
LIMITED TIME 6-Month New Account Promotional Rate; Balance: $50,000 and higher; Open with $50,000 or more to get the promotional rate on entire balance for 6 months
- Oct 14, 20263.00%▲ from 0.50%
- Sep 18, 20260.50%▼ from 3.00%
- Sep 14, 20263.00%first recorded
Balance: $1,000,000 and higher; Guaranteed Dividend Rate: WSJP minus 4.50%
Balance: $1,000,000 and higher; Guaranteed Dividend Rates: WSJP minus 4.50%
Featured rate
Balance: $100,000 and above; Minimum Balance to Earn Dividends: $2,500; Withdrawals Per Month: 6
Balance: $100,000 and over; Rate Type: Variable
Balance: 250,000.00 - Over
Balance: $50,000 - $99,999; Rate Type: Variable
Balance: $50,000 - $99,999.99; Minimum Balance to Earn Dividends: $2,500; Withdrawals Per Month: 6
Balance: $100,000+
Balance: 100,000.00 - 249,999.99
Balance: $250,000 & Above; Dividends compounded Monthly, credited Monthly; Dividend calculation: Average Daily Balance
Balance: $100,000 - $249,999.99; Dividends compounded Monthly, credited Monthly; Dividend calculation: Average Daily Balance
Balance: $25,000 - $49,999; Rate Type: Variable
Balance: $10,000 - $49,999.99; Minimum Balance to Earn Dividends: $2,500; Withdrawals Per Month: 6
Balance: $500,000 - $999,999.99; Guaranteed Dividend Rate: WSJP minus 5.50%
Balance: $500,000 - $999,999.99; Guaranteed Dividend Rates: WSJP minus 5.50%
Balance: $50,000 - $99,999.99; Dividends compounded Monthly, credited Monthly; Dividend calculation: Average Daily Balance
Balance: $500,000 and above
Balance: $100,000.00
Balance: $2,500 - $49,999.99; Dividends compounded Monthly, credited Monthly; Dividend calculation: Average Daily Balance
Balance: $10,000 - $24,999; Rate Type: Variable
Balance: 100,000.00 - Over
Balance: $2,500 - $9,999; Rate Type: Variable
Balance: $2,500 - $9,999.99; Minimum Balance to Earn Dividends: $2,500; Withdrawals Per Month: 6
Balance: $50,000+
Balance: $50,000.00-99,999.99
Balance: $250,000 and up; Minimum Balance to Earn APY: $2,500; Minimum Balance to Avoid a Fee: $2,500
Balance: $25,000 - 49,999.99
Balance: $25,000.00-49,999.99
Balance: $250,000 and more
Balance: 50,000.00 - 99,999.99
Balance: $50,000.00
Balance: $50,000.00
Balance: $25,000.00
Balance: $25,000.00
Balance: 50,000.00 - 99,999.99
Balance: $100,000 - $249,999.99; Minimum Balance to Earn APY: $2,500; Minimum Balance to Avoid a Fee: $2,500
Balance: $50,000 - $149,999.99; Guaranteed Dividend Rate: WSJP minus 7.00%
- Sep 18, 20260.50%▼ from 3.00%
- Sep 14, 20263.00%first recorded
Balance: $50,000 - $149,999.99; Guaranteed Dividend Rates: WSJP minus 7.00%
Balance: $10,000.00-24,999.99
Balance: $2,500.00
Balance: $2,500.00
Balance: $100,000 - $249,999.99
Balance: 25,000.00 - 49,999.99
Balance: $25,000 - $99,999.99
Balance: $5,000 - 24,999.99
- Oct 10, 20260.30%▼ from 0.40%
- Sep 14, 20260.40%first recorded
Balance: 25,000.00 - 49,999.99
Balance: 1,000.00 - 24,999.99
Balance: $0 - $99,999.99; Minimum Balance to Earn APY: $2,500; Minimum Balance to Avoid a Fee: $10 if balance < $2,500
Balance: $2,500.00-9,999.99
- Oct 10, 20260.25%▼ from 0.35%
- Sep 27, 20260.35%first recorded
Balance: $2,500 - $24,999.99
Balance: $50,000 and higher
Balance: $50,000 and higher
Balance: $0.01 - $49,999.99
Balance: $2,000 - $9,999.99
Balance: $2,000 - $9,999.99
Balance: $0.01 - $49,999.99
Balance: 5,000.00 - 24,999.99
Balance: 2,500.00 - 4,999.99
Promo
Balance: $100,000 and up
Balance: $3,000,000.00 and above
- Oct 12, 20263.75%▲ from 2.90%
- Sep 14, 20262.90%first recorded
Balance: $3,000,000.00 and above
- Oct 12, 20263.75%▼ from 3.90%
- Sep 14, 20263.90%first recorded
Balance: Minimum $5,000,000.00
- Oct 3, 20263.60%▲ from 3.40%
- Sep 27, 20263.40%▼ from 3.60%
- Sep 14, 20263.60%first recorded
Balance: $250,000-$499,999
Balance: $250,000 and up
Balance: Minimum $2,500,000.00 to $4,999,999.99
Balance: $250,000-$499,999
Balance: 500,000.00
Balance: $2,000,000+; Fees may reduce earnings on the account; Rate may change after account opens
Balance: $2,000,000+; Fees may reduce earnings on the account; Rate may change after account opens
Balance: $500,000 and above
Balance: $1,000,000 and up
Balance: $25,000-$99,999
Balance: 250,000.00 - 499,999.99
Balance: $3,000,000.00 and above
Balance: $3,000,000.00 and above
Balance: $250,000.00 and above. Your interest rate and annual percentage yield* may change after the account is opened. Fees could reduce the earnings on the account. Jumbo C.D.'s require at least $100,000. Minimum opening balance for Certificates of Deposits is $500.00. A Penalty may be imposed for withdrawals before maturity. Rates subject to change without notice.
Balance: $1,000,000 - $1,999,999; Fees may reduce earnings on the account; Rate may change after account opens
Balance: $1,000,000 - $1,999,999; Fees may reduce earnings on the account; Rate may change after account opens
Balance: $250,000.00 - $2,999,999.99
- Oct 12, 20262.80%▼ from 2.90%
- Sep 14, 20262.90%first recorded
Balance: $250,000 - $2,999,999.99
- Oct 12, 20262.80%▼ from 2.90%
- Sep 14, 20262.90%first recorded
Balance: 100,000.00 - 249,999.99
Balance: $1,000,000 and up
Balance: $1,000,000 and up
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.
Katy, TX Money Market Rate Trends
Compare local Katy, 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 rose 0.005 points over the past 7 days to 3.178% APY.
Texas standard MMA rates rose 0.008 points over the past 7 days to 0.793% APY.
Katy, Texas Money Market Rate Forecast, Next 12 Months
Money market rates move with Federal Reserve policy. Our model uses the current TX high-yield MMA average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Money market account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current TX high-yield money market average of 3.178% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield money market rates tend to adjust faster than standard branch-based accounts.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Katy, Texas.
Money Market Account Earnings in Katy, Texas
Annual interest earnings at current TX average APYs, based on the high-yield and standard money market averages tracked in our database. Balances reflect the higher minimums typical of money market accounts. Compounding assumed monthly.
| Balance | HY Money Market (3.178% APY) | Monthly Earnings | Standard MMA (0.793% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $317.83 / year | $26.49 | $79.25 / year | $6.60 |
| $25,000 | $794.57 / year | $66.21 | $198.13 / year | $16.51 |
| $50,000 | $1,589.15 / year | $132.43 | $396.25 / year | $33.02 |
| $100,000 | $3,178.30 / year | $264.86 | $792.50 / year | $66.04 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, rate tier, and daily balance maintained. Rates are variable and subject to change. Source: Katy, Texas money market rate averages as of October 14, 2026. | ||||
About Our Katy, Texas Money Market Rate Database
MonitorBankRates found 12 institutions with branches in Katy (2 banks, 10 credit unions), plus 37 additional state-chartered and national online institutions available to Katy residents. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: Vio Bank offers a money market account at 3.40% APY with a minimum deposit of $100. Use the rate table above to compare all current offers in Katy, Texas.
How to Find the Best Money Market Rates in Katy, Texas
What to compare when shopping for a money market account in Katy, Texas
To find the best money market APYs in Katy, Texas, start with credit unions and online-only banks: Katy, Texas has 36 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate, and pay close attention to balance tiers. Many money market accounts only pay their advertised top rate above a minimum balance of $1,000 to $25,000, with lower rates (or monthly fees) below that threshold. The current TX high-yield money market average is 3.178% but top local institutions are offering as high as 3.40%, so shopping around pays off.
Unlike a CD, money market rates are variable. Your rate can change at any time with Federal Reserve policy. Also check check-writing and debit card limits: most MMAs allow a set number of withdrawals per month, and exceeding the limit can trigger fees. Review your account periodically to ensure your APY remains competitive.
When a Money Market Account Makes Sense
- Emergency fund with flexibility: You get savings-level yields plus limited check-writing and debit access. Katy, Texas high-yield money market rates currently average 3.178% APY, far above a typical checking account.
- Larger balances ($10,000+): Many MMAs pay tiered rates that rise with your balance, so bigger deposits often earn more than they would in a standard savings account.
- Parking cash between investments: A high-yield money market account at Katy, Texas institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 49 institutions in Katy, Texas report money market rates to our database.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return Katy, Texas CD rates
- You don’t need check writing and want a lower minimum Katy, Texas savings rates
- You need daily transaction access Katy, Texas checking rates
Katy, Texas Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
11.1% of residents are 65 or older, below the national average of 17.3%; an unemployment rate of 7.4% (vs. 4.8% nationally) underscores the value of keeping liquid emergency savings. At today’s TX high-yield money market average of 3.178%, saving 10% of the local median salary ($5,561/year) would earn an additional $177 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Katy, Texas Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Katy, Texas.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current TX Avg APY | 3.178% | View Savings Rates | 0.793%(Standard MMA) | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✓ Often yes | ✗ No | ✗ No | ✗ No |
| Debit / ATM Card | ✓ Often yes | Some institutions | ✗ Rarely | ✗ No |
| Typical Min Deposit | $0 to $2,500 | $0 to $100 | $25 to $100 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Active savers wanting flexibility + check writing | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Locking in a rate for a defined period |
APY data reflects Katy, Texas averages tracked in our database as of October 14, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Katy, Texas Money Market Account Calculator
See how much a money market account can earn you. Enter your deposit, monthly contribution, and time frame, or click any current Katy, Texas rate on the right to apply it instantly. Interest compounds monthly.
Assumes monthly compounding and a constant APY for the full period. Money market rates are variable and can change at any time, so actual earnings will differ. Estimates are for informational purposes only.
Money Market & Savings Calculators for Katy, Texas
At TX’s top money market rate of 3.40% from Vio Bank, a $10,000 deposit earns $340 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Katy, Texas earner is roughly $13,900. At 3.178% APY in a money market account, saving $1,160/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountTexas’s high-yield money market average is 3.178% APY, variable, always accessible, and often with check-writing. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Katy, Texas earner makes $55,617/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.178% APY.
Retirement PlannerA $25,000 money market balance earning 3.178% APY grows to roughly $46,742 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Katy, 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 Katy, 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 Katy, 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 Katy, Texas
What is a Money Market Account (MMA)?
Are Money Market accounts in Katy, Texas safe?
How often do MMA rates change in Katy, Texas?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Katy, Texas?
Can I lose money in a Money Market Account?
What is the difference between a Money Market Account and a Money Market Fund?
Do I have to pay taxes on money market account interest?
Are online banks better than local banks in Katy, Texas for money market accounts?
Best Money Market Rates in Katy, Texas
- Vio Bank
Cornerstone Money Market Savings Account: 3.40% APY - Members Choice Credit Union
Business High-Yield Variable Rate - Maximum Money MarketTM: 3.00% APY - First Community Credit Union Houston, TX
Money Market Fund: 2.25% APY - Gulf Coast Educators Federal Credit Union
Money Market: 2.02% APY - SHELL
Money Market: 2.00% APY
Katy, Texas Rates & Resources
