Ladonia, Texas money market account rates from banks and credit unions serving Texas range from 2.75% to 4.00% APY, verified by MonitorBankRates as of October 31, 2026. Current Ladonia, Texas and the surrounding area money market deposit account rates include Frost BankFrost BankA+5.0 ★Texas Ratio: 2.51%Real return: +0.30%APY minus 3.7% CPIRate verified Oct 31, 2026 Personal Money Market Account - 90 Day at 4.00% APY, Chartway Credit UnionChartway Credit UnionA5.0 ★Texas Ratio: 10.30%Real return: +0.30%APY minus 3.7% CPIRate verified Oct 31, 2026 Money Market Plus at 4.00% APY, Lone Star BankLone Star BankA+5.0 ★Texas Ratio: 2.03%Real return: +0.17%APY minus 3.7% CPIRate verified Oct 27, 2026 Business Money Market at 3.87% APY, The Huntington National BankThe Huntington National BankA+5.0 ★Texas Ratio: 3.66%Real return: +0.15%APY minus 3.7% CPIRate verified Oct 31, 2026 Relationship Money Market Account - With Huntington Perks Checking at 3.85% APY, and Sunflower BankSunflower BankA5.0 ★Texas Ratio: 10.77%Real return: +0.15%APY minus 3.7% CPIRate verified Oct 31, 2026 Velocity Money Market at 3.85% APY. Money market rates as of October 31, 2026 according to verified data from MonitorBankRates.
Ladonia is a smaller community with no bank or credit union branches currently in our database. 150 institutions serving the Texas area are available to Ladonia residents, with money market rates as high as 4.00% APY from Frost Bank. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Ladonia, Texas and surrounding area. Last Updated and Verified: October 31, 2026
Balance: $500,000 and over
Balance: $1,000,000 +; Effective 10-30-2026; Rates include 0.25% APY Relationship Bonus (requires personal or business checking and $10,000 ADB in Money Market Plus)
Balance: $500,000 and over
Balance: $25,000.00 to $2,000,000.99; Requires open Huntington Perks Checking account; Minimum balance to earn interest is $25,000.00 and must be new money to Huntington; Rate effective Oct 30, 2026; Rate based on 43215 ZIP code
Balance: $25,000.00 to $2,000,000.99; Requires open Huntington Platinum Perks Checking account; Minimum balance to earn interest is $25,000.00 and must be new money to Huntington; Rate effective Oct 30, 2026; Rate based on 43215 ZIP code
Balance: $24,999.01 and over; Rates stated in homepage promotional text
Promo; homepage promotional banner
Annual Percentage Yield applies to new money deposits only; $100,000.00 minimum balance required to earn stated rate; $20 monthly service charge if average daily balance is below $25,000; rate subject to change after account opening
Promotional APY guaranteed for 6 months; after the promotional period the account converts to the standard Money Market account at the then-current variable APY; For Consumer Accounts Only; available to new clients or existing clients depositing new funds; Balance: all balances
Balance: $100,000 and up
Balance: $3,000,000.00 and above
Balance: $500,000 - $999,999; Effective 10-30-2026; Rates include 0.25% APY Relationship Bonus (requires personal or business checking and $10,000 ADB in Money Market Plus)
Balance: $100,000 & above; New money only; Minimum opening new money deposit is $100,000
Balance: $100,000 and over
Balance: $250,000 or more; Federal Funds Effective Rate minus 0.25%
New money only; $50,000 minimum balance; 3.65% APY on qualifying new money deposits of $50,000 or more; Offer effective 8/6/2026
Balance: $13,000,000.01 - & Over; No monthly fee with a minimum balance of $2,500, otherwise $10 per month; Dividend paid monthly; Dividend Rate earned is accurate as of March 31st, 2026
Balance: $100,000 and over
Balance: $5,000,000.00 and over
Balance: above $350,000
Balance: $250,000-$499,999
Balance: $4,500,000.01 - & 13,000,000.00; No monthly fee with a minimum balance of $2,500, otherwise $10 per month; Dividend paid monthly; Dividend Rate earned is accurate as of March 31st, 2026
Balance: $500,000 - $999,999.99
Special rate for new accounts opened today; Balance: not stated
Balance: $50,000 or more
Balance: $2,500,000.01 - $4,500,000.00; No monthly fee with a minimum balance of $2,500, otherwise $10 per month; Dividend paid monthly; Dividend Rate earned is accurate as of March 31st, 2026
Balance: $100+; variable rate account; balances from $100 and over receive 3.50% APY; must open an account by 10/09/2026 to get the promotional rate; APY accurate as of 09/10/2026
Balance: $100,000 - $249,999.99; Personal and Commercial; Available in-branch only; APY effective 08/13/2026
Balance: $250,000 and up; Account is available to all personal and business accounts
Balance: $250,000 and greater; Dividends compounded monthly, dividend period monthly
Projected Dividend Date: 10/31/2026; Dividends credited monthly; Accurate as of 09/17/2026
Balance: $1,000,000 or more
Balance: $1,000,000.00 and over; Rate good for renewing CDs & new money into credit union
Balance: $15,000+; Intro rate
Balance: $500,000.01 - $1,500,000.00; No monthly fee with a minimum balance of $2,500, otherwise $10 per month; Dividend paid monthly; Dividend Rate earned is accurate as of March 31st, 2026
Balance: $100,000 - $499,999.99
Balance: $1,000,000.00 +; Compounded: Daily; Credited: Monthly
Posting: Monthly; Balance: Over $500,000.01
Qualifications Required: Active UCU checking account; Qualifying Deposits totaling at least $1,000 each calendar month; Balance: $250,000+; Qualifying Deposits of at least $1,000 per calendar month required
Balance: $1,000,000.00 or more
Balance: $100,000 - $249,999.99; Federal Funds Effective Rate minus 0.50%
Balance: $500,000 and over; 90 Day Introductory Interest Rate: 4.25% (guaranteed for 90 days); Base Interest Rate: 3.10%; Requires $5,000 new money within 7 days of account opening
Balance: $25,000 to $49,999.99; New U.S. Bank Elite Money Market clients only; requires deposit of at least $25,000 within 30 days of opening and daily balance of at least $25,000 maintained
Balance: $100,000.00 and over
Balance: $2,500,000.00 to $4,999,999.99
Balance: All Balances; Interest compounded daily; Only $100 minimum to open; No monthly fee; $5 monthly fee if you receive paper statements; Online account opening
Balance: $25,000 - $499,999.99; 90 Day Introductory Interest Rate: 4.25% (guaranteed for 90 days); Base Interest Rate: 3.00%; Requires $5,000 new money within 7 days of account opening
Balance: $25,000 - $99,999.99
Balance: $100,000 and over
Balance: $1,000 - $99,999.99
Balance: $500,000 and above
Balance: $250,000 and above
Variable Rate Accounts; Balance: $500,000.00 and over
Balance: $100,000 - $249,999.99; Dividends compounded monthly, dividend period monthly
Balance: $750,000.00 to $999,999.99
Balance: more than 499,999.01
Balance: $0 - $24,999.99
Balance: $0 - $99,999.99; Personal and Commercial; Available in-branch only; APY effective 08/13/2026
Balance: $250,000.00 - $499,999.99
Balance: $250,000-$499,999
Balance: $50,000 - $99,999.99; Dividends compounded monthly, dividend period monthly
On balances of $25,000+; APY has deposit balance requirements to earn highest rate available
Balance: $750,000 to $999,999.99
Balance: $500,000.00 to $749,999.99
Balance: $500,000 +; Minimum Daily Balance to Earn Dividends: $500,000; Minimum to Avoid Service Charge: $0
Balance: $50,000+
Balance: $1,000 - $99,999.99
Qualifications Required: Active UCU checking account; Qualifying Deposits totaling at least $1,000 each calendar month; Balance: $100,000-$249,999; Qualifying Deposits of at least $1,000 per calendar month required
Balance: $7,500,000 and above
Balance: $1,000,000 - Up
Balance: $20,000+; Rate applicable on balances of $20,000.00 and higher; Variable-rate money market based on daily balance; no minimum balance fee
Balance: $20,000+; Variable-rate money market account based on daily balance; Open at Nearest Branch
Balance: $25,000,000 or more; $500 Minimum to obtain APY disclosed
Balance: $25,000,000 or more; $500 Minimum to obtain APY
Balance: $25,000,000 or more; $500 Minimum to obtain APY disclosed
Balance: $100,000 and over
Manager: DREYFUS; 7-Day Yield; CUSIP 370375206; Ticker GMBXX
Balance: $25,000 - $49,999.99; Dividends compounded monthly, dividend period monthly
Balance: $500,000 +; Projected Dividend Date: 10/31/2026; Dividends credited monthly; Opening balance $2,500
Balance: $2,000,000 and Over; Fees may reduce earnings; Rate may change after account opens
Balance: $10,000.00+
Balance: $500,000.00+
$100,000; Money Market - Paid Monthly; Balance: $100,000 and up
Balance: $100,000 and over
Balance: $10,000 - $24,999.99; Dividends compounded monthly, dividend period monthly
Balance: $100,000 to $199,999.99; Minimum Balance for Tiered Dividends: $100,000
Balance: $500,000 to $749,999.99
Balance: $50,000 and higher; LIMITED TIME 6-Month New Account Promotional Rate; applies to entire balance for 6 months with a new account
Balance: $250,000+; Requires Checking with daily average balance of at least $3,000 per month, otherwise 0.50% APY (0.499% Dividend Rate)
Posting: Monthly; Balance: Over $500,000.01
Balance: $250,000 - $499,999.99; Projected Dividend Date: 10/31/2026; Dividends credited monthly; Opening balance $2,500
Balance: $250,000+; Projected Dividend Date: 10/31/2026; Dividends credited monthly; Opening balance $2,500
Qualifications Required: Active UCU checking account; Qualifying Deposits totaling at least $1,000 each calendar month; Balance: $50,000-$99,999; Qualifying Deposits of at least $1,000 per calendar month required
Balance: $5 - $9999.99; Minimum Balance to Earn APY: $1.00; Dividends compounded monthly, dividend period monthly
Balance: $250,000.00 to $499,999.99
Posting: Monthly; Balance: $100,000.01 - $500,000.00
Balance: $100,000 - $249,999.99; Projected Dividend Date: 10/31/2026; Dividends credited monthly; Opening balance $2,500
Balance: $100,000 - $249,999.99; Projected Dividend Date: 10/31/2026; Dividends credited monthly; Opening balance $2,500
Balance: $250,000.00-$999,999.99; Rate good for renewing CDs & new money into credit union
Balance: $200,000.00 and over; Dividends compounded monthly
Compare local Ladonia, 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 0.004 points over the past 7 days to 3.179% APY.
Texas standard MMA rates rose 0.013 points over the past 7 days to 0.817% APY.
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 3.179% 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 Ladonia, 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 (3.179% APY) | Monthly Earnings | Standard MMA (0.817% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $317.89 / year | $26.49 | $81.74 / year | $6.81 |
| $25,000 | $794.72 / year | $66.23 | $204.35 / year | $17.03 |
| $50,000 | $1,589.45 / year | $132.45 | $408.70 / year | $34.06 |
| $100,000 | $3,178.90 / year | $264.91 | $817.40 / year | $68.12 |
| 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: Ladonia, Texas money market rate averages as of October 31, 2026. | ||||
MonitorBankRates tracks money market rate offers from 69 banks and credit unions available to Ladonia, Texas residents via statewide and national offers. No branch locations physically in Ladonia are currently in our database, but all listed offers are open to Ladonia depositors. 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: Frost Bank offers a money market account at 4.00% APY. Use the rate table above to compare all current offers in Ladonia, Texas.
What to compare when shopping for a money market account in Ladonia, Texas
To find the best money market APYs in Ladonia, Texas, start with credit unions and online-only banks: Ladonia, Texas has 26 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 3.179% but top local institutions are offering as high as 4.00%, 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.
Local demographics and economic context for savers . Source: U.S. Census Bureau (state-level data shown; city data not available)
13.4% of residents are 65 or older, below the national average of 17.3%. At today’s TX high-yield money market average of 3.179%, saving 10% of the local median salary ($4,407/year) would earn an additional $140 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
How money market deposit accounts compare to other deposit products available at banks and credit unions in Ladonia, Texas.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current TX Avg APY | 3.179% | View Savings Rates | 0.817%(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 Ladonia, Texas averages tracked in our database as of October 31, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
See how much a money market account can earn you. Enter your deposit, monthly contribution, and time frame, or click any current Ladonia, 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.
At TX’s top money market rate of 4.00% from Frost Bank, a $10,000 deposit earns $400 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Ladonia, Texas earner is roughly $11,000. At 3.179% APY in a money market account, saving $920/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 3.179% 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 Ladonia, Texas earner makes $44,072/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.179% APY.
Retirement PlannerA $25,000 money market balance earning 3.179% APY grows to roughly $46,747 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Ladonia, 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 Ladonia, 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 Ladonia, 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.