Best Money Market Rates in San Antonio, Texas - August 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current San Antonio, Texas and the surrounding area money market deposit account rates include Nizari Progressive Federal Credit UnionNizari Progressive Federal Credit Union12054 Starcrest Dr, San Antonio, TX 78247A+5.0 ★Texas Ratio: 2.09%Real return: +0.81%APY minus 2.8% CPI (February 2026) Money Market Account at 3.61% APY, Crescent BankCrescent Bank7410 Blanco Rd, San Antonio, TX 78216C4.0 ★Texas Ratio: 27.16%Real return: +0.70%APY minus 2.8% CPI (February 2026) Money Market Account at 3.50% APY, Baxter Credit UnionBaxter Credit Union7034 Alamo Downs Pkwy, San Antonio, TX 78238A5.0 ★Texas Ratio: 7.04%Real return: +0.70%APY minus 2.8% CPI (February 2026) Money Market Special at 3.50% APY, Sunflower BankSunflower Bank970 E Basse Rd, San Antonio, TX 78209A+5.0 ★Texas Ratio: 5.67%Real return: +0.65%APY minus 2.8% CPI (February 2026) Thrive Money Market at 3.45% APY, and PlainsCapital BankPlainsCapital Bank7925 N New Braunfels Ave, San Antonio, TX 78209A5.0 ★Texas Ratio: 9.19%Real return: +0.27%APY minus 2.8% CPI (February 2026) Personal Money Market at 3.07% APY. Money market rates as of August 28, 2026 according to verified data from MonitorBankRates.
San Antonio has 21 local institutions in our database, with money market rates as high as 3.61% APY from Nizari Progressive Federal Credit Union at 12054 Starcrest Dr, San Antonio, TX 78247. 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 San Antonio, Texas and surrounding area. Last Updated and Verified: August 28, 2026
Compare the Best Money Market Rates Today in San Antonio, Texas & the Surrounding Area
Intro rate APY 3.50%
$15,000+; Intro rate
Power of the Dollar® MAX is a tiered rate account. There is a minimum average daily balance required to earn the APY disclosed for the dividend period. If the minimum average daily balance requirement is not met during the dividend period, you will not earn the stated APY. For balances $0-$499, the Dividend rate is 0.00% with a APY range of 0.00%; Balances $500 - $10,000 the Dividend Rate is 2.96% with a APY range of 3.00%; Balances $10,000.01(+) the Dividend Rate will revert to 0.01% with a APY range of 0.01%. APY is Annual Percentage Yield. Accurate as of 08/25/2026.
Rate is variable and may change after the account is opened. APY is accurate as of 7/21/26.
Higher rates to maximize earnings; $10 monthly account fee (may be waived); Up to 2.50% APY*
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.
E-Option
Annual Percentage Yield (APY) is accurate as of August 28, 2025. Rates offered may change without notice. Fees may reduce yield. Each depositor is FDIC-insured up to applicable limits. For additional terms and conditions, contact Plains State Bank.
E-Option
APY is accurate as of 7/21/26.
APY is accurate as of 7/21/26.
$25 minimum balance to open
APY is accurate as of 7/21/26.
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.
San Antonio, TX Money Market Rate Trends
Compare local San Antonio, 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 0.062 points over the past 7 days to 3.046% APY.
Texas standard MMA rates fell 0.172 points over the past 7 days to 0.745% APY.
San Antonio, 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 3.046% 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 San Antonio, Texas.
Money Market Account Earnings in San Antonio, 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 (3.046% APY) | Monthly Earnings | Standard MMA (0.745% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $304.63 / year | $25.39 | $74.51 / year | $6.21 |
| $25,000 | $761.58 / year | $63.47 | $186.28 / year | $15.52 |
| $50,000 | $1,523.15 / year | $126.93 | $372.55 / year | $31.05 |
| $100,000 | $3,046.30 / year | $253.86 | $745.10 / year | $62.09 |
| 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: San Antonio, Texas money market rate averages as of August 29, 2026. | ||||
About Our San Antonio, Texas Money Market Rate Database
MonitorBankRates found 21 institutions with branches in San Antonio (10 banks, 11 credit unions), plus 9 additional state-chartered and national online institutions available to San Antonio 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: Nizari Progressive Federal Credit Union offers a money market account at 3.61% APY. Use the rate table above to compare all current offers in San Antonio, Texas.
How to Find the Best Money Market Rates in San Antonio, Texas
What to compare when shopping for a money market account in San Antonio, Texas
To find the best money market APYs in San Antonio, Texas, start with credit unions and online-only banks — San Antonio, Texas has 13 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 3.046% — but top local institutions are offering as high as 3.61%, 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. San Antonio, Texas high-yield money market rates currently average 3.046% 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 San Antonio, Texas institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally — 30 institutions in San Antonio, 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 → San Antonio, Texas CD rates
- You don’t need check writing and want a lower minimum → San Antonio, Texas savings rates
- You need daily transaction access → San Antonio, Texas checking rates
San Antonio, Texas Financial Snapshot
Local demographics and economic context for savers — Source: U.S. Census Bureau
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 3.046%, saving 10% of the local median salary ($3,666/year) would earn an additional $112 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other San Antonio, Texas Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in San Antonio, Texas.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current TX Avg APY | 3.046% | View Savings Rates | 0.745%(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 San Antonio, Texas averages tracked in our database as of August 29, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
San Antonio, 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 San Antonio, 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 San Antonio, Texas
At TX’s top money market rate of 3.61% from Nizari Progressive Federal Credit Union, a $10,000 deposit earns $361 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median San Antonio, Texas earner is roughly $9,200. At 3.046% APY in a money market account, saving $760/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 3.046% 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 San Antonio, Texas earner makes $36,669/year. Track your income vs. expenses to find your monthly surplus — then put it to work at 3.046% APY.
Retirement PlannerA $25,000 money market balance earning 3.046% APY grows to roughly $45,560 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 San Antonio, 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 San Antonio, 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 San Antonio, 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 San Antonio, Texas
What is a Money Market Account (MMA)?
Are Money Market accounts in San Antonio, Texas safe?
How often do MMA rates change in San Antonio, Texas?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in San Antonio, 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 San Antonio, Texas for money market accounts?
Best Money Market Rates in San Antonio, Texas
- Nizari Progressive Federal Credit Union
Money Market Account — 3.61% APY - Crescent Bank
Money Market Account — 3.50% APY - Baxter Credit Union
Money Market Special — 3.50% APY - Sunflower Bank
Thrive Money Market — 3.45% APY - PlainsCapital Bank
Personal Money Market — 3.07% APY
San Antonio, Texas Rates & Resources
