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Best Money Market Rates in Katy, Texas (TX) - May 2026

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Brian McKay Brian McKay
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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.
| ✓Fact Checked | Last Updated: May 12, 2026

Current Katy, Texas and the surrounding area money market deposit account rates include TruistTruist22171 Westheimer Pkwy, Katy, TX 77450A+5.0 ★Texas Ratio: 3.63% Small Business Money Market Account at 3.40% APY, Members Choice Credit UnionMembers Choice Credit Union3770 Fry Rd, Katy, TX 77449 6728A5.0 ★Texas Ratio: 8.54% Maximum Money Market Account at 2.27% APY, Gulf Coast Educators Federal Credit UnionGulf Coast Educators Federal Credit Union27252 Katy Fwy, Katy, TX 77494 1001A+5.0 ★Texas Ratio: 3.85% Money Market at 2.02% APY, First Community Credit Union Houston, TXFirst Community Credit Union Houston, TX25675 Nelson Way, Katy, TX 77494A+5.0 ★Texas Ratio: 5.63% Money Market Fund at 1.75% APY, and Smart Financial Credit UnionSmart Financial Credit Union6727 FM 1463 Rd Ste 100, Katy, TX 77494A5.0 ★Texas Ratio: 10.10% Money Market Account at 1.50% APY. Money market rates as of May 12, 2026 according to verified data from MonitorBankRates.

Katy has 11 local institutions in our database, with money market rates as high as 3.40% APY from Truist at 22171 Westheimer Pkwy, Katy, TX 77450. 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 Katy, Texas and surrounding area. Last Updated and Verified: May 12, 2026

Compare the Best Money Market Rates Today in Katy, Texas & the Surrounding Area

Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Truist
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
22171 Westheimer Pkwy, Katy, TX 77450
Small Business Money Market Account
3.40%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
3770 Fry Rd, Katy, TX 77449 6728
Maximum Money Market Account
2.27%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
27252 Katy Fwy, Katy, TX 77494 1001
Money Market
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 5.63%
25675 Nelson Way, Katy, TX 77494
Money Market Fund
1.75%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
27252 Katy Fwy, Katy, TX 77494 1001
Money Market
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
Money Market Account
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
25525 Katy Mills Pkwy, Katy, TX 77494
Money Market Accounts
1.35%
$2,500
View
▼
Rate1.35%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details

Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
25525 Katy Mills Pkwy, Katy, TX 77494
Money Market Accounts
1.30%
$2,500
View
▼
Rate1.30%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details

Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
27252 Katy Fwy, Katy, TX 77494 1001
Money Market
1.26%
$0
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
25525 Katy Mills Pkwy, Katy, TX 77494
Money Market Accounts
1.25%
$2,500
View
▼
Rate1.25%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details

Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
Money Market Account
1.25%
$0
View
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
Business Money Market
1.25%
$0
View
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
23665 Katy Freeway, Katy, TX 77494
Money Market
1.25%
$0
View
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
23665 Katy Freeway, Katy, TX 77494
Business Money Market
1.25%
$0
View
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

ADVANCIAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
23525 Katy Fwy, Katy, TX 77494 1334
Money Market k
1.22%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

$100

ADVANCIAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
23525 Katy Fwy, Katy, TX 77494 1334
Premium Money Market
1.22%
$0
View
▼
Rate1.21%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
23665 Katy Freeway, Katy, TX 77494
Business Money Market
1.20%
$0
View
▼
Rate1.19%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
23665 Katy Freeway, Katy, TX 77494
Money Market
1.20%
$0
View
▼
Rate1.19%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
25525 Katy Mills Pkwy, Katy, TX 77494
Money Market Accounts
1.20%
$2,500
View
▼
Rate1.20%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details

First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
23665 Katy Freeway, Katy, TX 77494
Money Market
1.15%
$0
View
▼
Rate1.14%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
23665 Katy Freeway, Katy, TX 77494
Business Money Market
1.15%
$0
View
▼
Rate1.14%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
23665 Katy Freeway, Katy, TX 77494
Business Money Market
1.10%
$0
View
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
23665 Katy Freeway, Katy, TX 77494
Money Market
1.10%
$0
View
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
23665 Katy Freeway, Katy, TX 77494
Business Money Market
1.05%
$0
View
▼
Rate1.04%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
23665 Katy Freeway, Katy, TX 77494
Money Market
1.05%
$0
View
▼
Rate1.04%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
23665 Katy Freeway, Katy, TX 77494
Money Market
1.00%
$0
View
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
27252 Katy Fwy, Katy, TX 77494 1001
Money Market
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
23665 Katy Freeway, Katy, TX 77494
Business Money Market
1.00%
$0
View
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
3211 Peek Rd, Katy, TX 77449
High-Yield Money Market
0.75%
$1,000
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details

Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
Business Money Market
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
Money Market Account
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★ Texas Ratio: 22.42%
24250 Cinco Ranch Blvd, Katy, TX 77494
Money Market Account
0.70%
$0
View
▼
Rate0.69%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★ Texas Ratio: 22.42%
24250 Cinco Ranch Blvd, Katy, TX 77494
Money Market
0.70%
$0
View
▼
Rate0.69%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

ADVANCIAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
23525 Katy Fwy, Katy, TX 77494 1334
Business Money Market
0.56%
$0
View
▼
Rate0.56%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

ADVANCIAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
23525 Katy Fwy, Katy, TX 77494 1334
Money Market
0.56%
$0
View
▼
Rate0.56%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

ADVANCIAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
23525 Katy Fwy, Katy, TX 77494 1334
Business Money Market
0.51%
$0
View
▼
Rate0.51%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

ADVANCIAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
23525 Katy Fwy, Katy, TX 77494 1334
Money Market
0.51%
$0
View
▼
Rate0.51%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
Money Market Account
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
3211 Peek Rd, Katy, TX 77449
High-Yield Money Market
0.50%
$1,000
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details

Independent Bank Mckinney, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
808 Katy Fort Bend Rd, Katy, TX 77494
Business Money Markets
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

ADVANCIAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
23525 Katy Fwy, Katy, TX 77494 1334
Money Market
0.46%
$0
View
▼
Rate0.46%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

ADVANCIAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
23525 Katy Fwy, Katy, TX 77494 1334
Business Money Market
0.46%
$0
View
▼
Rate0.46%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★ Texas Ratio: 22.42%
24250 Cinco Ranch Blvd, Katy, TX 77494
Money Market
0.40%
$0
View
▼
Rate0.39%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
Business Money Market
0.40%
$5,000
View
▼
Rate0.40%
Min Deposit$5,000
Min Balance—
UpdatedMay 12, 2026
Details

Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★ Texas Ratio: 22.42%
24250 Cinco Ranch Blvd, Katy, TX 77494
Money Market Account
0.40%
$0
View
▼
Rate0.39%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Independent Bank Mckinney, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
808 Katy Fort Bend Rd, Katy, TX 77494
Business Money Markets
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
Money Market Account
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★ Texas Ratio: 22.42%
24250 Cinco Ranch Blvd, Katy, TX 77494
Money Market Account
0.30%
$0
View
▼
Rate0.29%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★ Texas Ratio: 22.42%
24250 Cinco Ranch Blvd, Katy, TX 77494
Money Market
0.30%
$0
View
▼
Rate0.29%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
Money Market Account
0.25%
$2,500
View
▼
Rate0.25%
Min Deposit$2,500
Min Balance—
UpdatedMay 12, 2026
Details

Energy Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
3211 Peek Rd, Katy, TX 77449
High-Yield Money Market
0.25%
$1,000
View
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 10, 2026
Details

Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★ Texas Ratio: 22.42%
24250 Cinco Ranch Blvd, Katy, TX 77494
Money Market
0.20%
$0
View
▼
Rate0.19%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★ Texas Ratio: 22.42%
24250 Cinco Ranch Blvd, Katy, TX 77494
Money Market Account
0.20%
$0
View
▼
Rate0.19%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Independent Bank Mckinney, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
808 Katy Fort Bend Rd, Katy, TX 77494
Business Money Markets
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Independent Bank Mckinney, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
808 Katy Fort Bend Rd, Katy, TX 77494
Business Money Markets
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
23665 Katy Freeway, Katy, TX 77494
Money Market
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.02%
23665 Katy Freeway, Katy, TX 77494
Business Money Market
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Independent Bank Mckinney, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
808 Katy Fort Bend Rd, Katy, TX 77494
Business Money Markets
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★ Texas Ratio: 22.42%
24250 Cinco Ranch Blvd, Katy, TX 77494
Money Market
0.02%
$0
View
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★ Texas Ratio: 22.42%
24250 Cinco Ranch Blvd, Katy, TX 77494
Money Market Account
0.02%
$0
View
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
25525 Katy Mills Pkwy, Katy, TX 77494
Money Market Accounts
0.00%
$2,500
View
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details

Independent Bank Mckinney, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
808 Katy Fort Bend Rd, Katy, TX 77494
Business Money Markets
0.00%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Mobility Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.61%
Money Market
3.82%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
Huntington Relationship Money Market
3.82%
$25,000
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details

The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
High-Yield Money Market
3.82%
$25,000
View
▼
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%
Money Market
3.82%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

State Bank of Texas
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
High-Rate Jumbo Money Market
3.76%
$100,000
View
▼
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%
Rocket 88 Money Market Accounts (Personal & Business)
3.75%
$0
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Money Market Account
3.61%
$0
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Community Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
High Yield Savings (Money Market)
3.60%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Lone Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Personal Money Market
3.56%
$250
View
▼
Rate3.50%
Min Deposit$250
Min Balance—
UpdatedMay 5, 2026
Details

Sunflower Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
Thrive Money Market
3.45%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

$24,999.01 & Above

Golden Bank National Association
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
money market account
3.38%
$20,000
View
▼
Rate—
Min Deposit$20,000
Min Balance—
UpdatedApr 16, 2026
Details

new money

American State Bank (TX)
Institution Rating:
A-4.9 ★ Texas Ratio: 16.23%
Pinnacle Money Market Account Tier 4
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Lone Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Business Money Market
3.25%
$2,500
View
▼
Rate3.20%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details

American State Bank (TX)
Institution Rating:
A-4.9 ★ Texas Ratio: 16.23%
Pinnacle Money Market Account
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

NexBank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.79%
High-Yield Money Market Account
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

American State Bank (TX)
Institution Rating:
A-4.9 ★ Texas Ratio: 16.23%
Pinnacle Money Market Account Tier 3
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
High-Yield Money Market
3.20%
$25,000
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details

Minimum of **$25,000** not currently deposited at Huntington.

The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
Huntington Relationship Money Market
3.20%
$25,000
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details

Lone Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Personal Money Market† 6 Months
3.14%
$1,000
View
▼
Rate3.09%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details

Oakwood Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.07%
MAX Money Market
3.12%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

b1BANK
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
MAX Money Market
3.12%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

The MINT National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
MonuMINT Emerald MMA
3.10%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

The MINT National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
ManageMINT Emerald MMA
3.10%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Sunflower Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
Thrive Money Market
3.05%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

$24,999.00 & Below

Armed Forces Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
Premier Money Market
3.05%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Trinity Bank, N.A.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
Trinity Commercial Money Market Account
3.04%
$500
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details

Trinity Bank, N.A.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
Trinity Personal Money Market Account
3.04%
$500
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details

Planters Bank & Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
High Yield Money Market
2.95%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Lone Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Business Money Market
2.94%
$2,500
View
▼
Rate2.90%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details

Trinity Bank, N.A.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
Trinity Commercial Money Market Account
2.84%
$500
View
▼
Rate2.80%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details

Trinity Bank, N.A.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
Trinity Personal Money Market Account
2.84%
$500
View
▼
Rate2.80%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details

Lone Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Personal Money Market† 12 Months
2.83%
$1,000
View
▼
Rate2.79%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details

Lone Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Personal Money Market† 11 Months
2.83%
$1,000
View
▼
Rate2.79%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details

Lone Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Personal Money Market† 13 Months
2.83%
$1,000
View
▼
Rate2.79%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details

First Liberty Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
Platinum Money Market
2.80%
$0
View
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 8.53%
Money Market Savings
2.75%
$100,000
View
▼
Rate2.72%
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details

First Liberty Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
Platinum Money Market
2.60%
$0
View
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Lone Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Personal Money Market† 9 Months
2.59%
$1,000
View
▼
Rate2.56%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details

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 Katy, 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.

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.

View Full Texas MMA Trends →
High-Yield MMA — TX Avg
3.319%
▲ 0.003 vs 7 days ago

Texas high-yield MMA rates rose 0.003 points over the past 7 days to 3.319% APY.

Standard MMA — TX Avg
0.750%
▲ 0.002 vs 7 days ago

Texas standard MMA rates rose 0.002 points over the past 7 days to 0.750% APY.

As of May 13, 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 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)?

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 Katy, 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 Katy, 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 Katy, 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 Katy, 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 Katy, Texas

Here are some of the highest money market account APYs currently available in Katy, Texas and the surrounding area:
  • Truist
    Small Business Money Market Account — 3.40% APY
  • Members Choice Credit Union
    Maximum Money Market Account — 2.27% APY
  • Gulf Coast Educators Federal Credit Union
    Money Market — 2.02% APY
  • First Community Credit Union Houston, TX
    Money Market Fund — 1.75% APY
  • Smart Financial Credit Union
    Money Market Account — 1.50% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Katy, Texas. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 12, 2026

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