Best Money Market Rates in Round Rock, Texas - August 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Round Rock, Texas and the surrounding area money market deposit account rates include SouthStar BankSouthStar Bank3025 Fm 1431, Round Rock, TX 78681A+5.0 ★Texas Ratio: 0.24%Real return: +0.80%APY minus 2.8% CPI (February 2026) TEXAS SIZE MONEY MARKET at 3.60% APY, PlainsCapital BankPlainsCapital Bank400 Sundance Pkwy, Round Rock, TX 78681A5.0 ★Texas Ratio: 9.19%Real return: +0.27%APY minus 2.8% CPI (February 2026) Personal Money Market at 3.07% APY, Randolph Brooks FCURandolph Brooks FCU101 University Oaks Blvd, Round Rock, TX 78665A+5.0 ★Texas Ratio: 4.42%Real return: -0.37%APY minus 2.8% CPI (February 2026) Classic Money Market at 2.43% APY, TruWest Credit UnionTruWest Credit Union737 Louis Henna Blvd Ste 300, Round Rock, TX 78664A+5.0 ★Texas Ratio: 3.80%Real return: -0.80%APY minus 2.8% CPI (February 2026) Money Market at 2.00% APY, and Broadway BankBroadway Bank710 Hesters Crossing Rd, Round Rock, TX 78681A+5.0 ★Texas Ratio: 1.78%Real return: -1.05%APY minus 2.8% CPI (February 2026) Money Market Account at 1.75% APY. Money market rates as of August 28, 2026 according to verified data from MonitorBankRates.
Round Rock has 13 local institutions in our database, with money market rates as high as 3.60% APY from SouthStar Bank at 3025 Fm 1431, Round Rock, TX 78681. 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 Round Rock, Texas and surrounding area. Last Updated and Verified: August 28, 2026
Compare the Best Money Market Rates Today in Round Rock, Texas & the Surrounding Area
Earn the fourth-tier APY on the entire balance when the balance exceeds $150,000.
Earn the third-tier APY on the entire balance when the balance is between $75,000 and $149,999.99.
When rewards checking requirements are met
Bonus Dividend applies only to the first $10,000 in Money Market account deposits for accounts with at least 10 qualifying transactions monthly in the same Member's checking account.
Our tiered-rate calculation method offers higher rates as your balance increases. The stated interest rate is only paid on the portion of the balance within the specified tier. Rate is variable and subject to change after account is opened. Fees could reduce earnings on account.
Bonus Dividend applies only to the first $10,000 in Money Market account deposits for accounts with at least 10 qualifying transactions monthly in the same Member's checking account.
Information effective 08/19/2026.
Information effective 08/19/2026.
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. UPDATED 12-29-25 | 3:28 PM CST
Balances from $100 and over receive 3.50% APY. Must open an account by 09/09/2026, to get the promotional rate.
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 BankUnited and not transferred from another BankUnited account.
Rates effective 8/17/2026. APY = Annual Percentage Yield. For current rates, call 806-742-3606. Rates subject to change based on account balance criteria. Fees may reduce earnings.
Compounded: Daily, Credited: Monthly
Federal Funds Effective Rate minus 0.25%
With Huntington Perks Checking**
With Huntington Platinum Perks Checking***
With Private Client Account****
Non-Relationship Rate
$250,000.00 - $499,999.99
$500,000.00 and above
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.
Round Rock, TX Money Market Rate Trends
Compare local Round Rock, 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 0.017 points over the past 7 days to 3.091% APY.
Texas standard MMA rates rose 0.029 points over the past 7 days to 0.947% APY.
Round Rock, 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 2026–2027.
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 3.091% 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: 1–2 Federal Reserve rate cuts of 25 basis points each over the next 12 months, based on current CME FedWatch consensus; money market institutions typically pass through 70–90% of rate cuts to deposit rates within 60–90 days. High-yield online money market rates tend to adjust faster than standard branch-based MMA rates, and jumbo-tier rates often adjust first.
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 Round Rock, Texas.
Money Market Account Earnings in Round Rock, 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 (3.091% APY) | Monthly Earnings | Standard MMA (0.947% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $309.11 / year | $25.76 | $94.66 / year | $7.89 |
| $25,000 | $772.78 / year | $64.40 | $236.65 / year | $19.72 |
| $50,000 | $1,545.55 / year | $128.80 | $473.30 / year | $39.44 |
| $100,000 | $3,091.10 / year | $257.59 | $946.60 / year | $78.88 |
| 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: Round Rock, Texas money market rate averages as of August 30, 2026. | ||||
About Our Round Rock, Texas Money Market Rate Database
MonitorBankRates found 13 institutions with branches in Round Rock (5 banks, 8 credit unions), plus 36 additional state-chartered and national online institutions available to Round Rock 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 (1–5), 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: SouthStar Bank offers a money market account at 3.60% APY. Use the rate table above to compare all current offers in Round Rock, Texas.
How to Find the Best Money Market Rates in Round Rock, Texas
What to compare when shopping for a money market account in Round Rock, Texas
To find the best money market APYs in Round Rock, Texas, start with credit unions and online-only banks — Round Rock, Texas has 25 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–$25,000, with lower rates (or monthly fees) below that threshold. The current TX high-yield money market average is 3.091% — but top local institutions are offering as high as 3.60%, 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. Round Rock, Texas high-yield money market rates currently average 3.091% 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 Round Rock, Texas institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally — 49 institutions in Round Rock, 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 → Round Rock, Texas CD rates
- You don’t need check writing and want a lower minimum → Round Rock, Texas savings rates
- You need daily transaction access → Round Rock, Texas checking rates
Round Rock, Texas Financial Snapshot
Local demographics and economic context for savers — Source: U.S. Census Bureau
11.2% of residents are 65 or older — below the national average of 17.3%. At today’s TX high-yield money market average of 3.091%, saving 10% of the local median salary ($5,134/year) would earn an additional $159 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Round Rock, Texas Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Round Rock, Texas.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current TX Avg APY | 3.091% | View Savings Rates | 0.947%(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 – $2,500 | $0 – $100 | $25 – $100 | $500 – $1,000 |
| Rate Risk | Rate may fall with Fed cuts | Rate may fall with Fed cuts | Rate may fall with Fed cuts | 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 Round Rock, Texas averages tracked in our database as of August 30, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Round Rock, 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 Round Rock, 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 Round Rock, Texas
At TX’s top money market rate of 3.60% from SouthStar Bank, a $10,000 deposit earns $360 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Round Rock, Texas earner is roughly $12,800. At 3.091% APY in a money market account, saving $1,070/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 3.091% 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 Round Rock, Texas earner makes $51,347/year. Track your income vs. expenses to find your monthly surplus — then put it to work at 3.091% APY.
Retirement PlannerA $25,000 money market balance earning 3.091% APY grows to roughly $45,958 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 Round Rock, 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 Round Rock, 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 Round Rock, 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 Round Rock, Texas
What is a Money Market Account (MMA)?
Are Money Market accounts in Round Rock, Texas safe?
How often do MMA rates change in Round Rock, Texas?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Round Rock, 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 Round Rock, Texas for money market accounts?
Best Money Market Rates in Round Rock, Texas
- SouthStar Bank
TEXAS SIZE MONEY MARKET — 3.60% APY - PlainsCapital Bank
Personal Money Market — 3.07% APY - Randolph Brooks FCU
Classic Money Market — 2.43% APY - TruWest Credit Union
Money Market — 2.00% APY - Broadway Bank
Money Market Account — 1.75% APY
Round Rock, Texas Rates & Resources
