MonitorBankRates
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Texas Money Market Rate Trends

Sugar Land, Texas Money Market Rates - October 2026

Sugar Land, Texas money market account rates range from 0.25% to 4.00% APY, verified by MonitorBankRates as of October 27, 2026. Current Sugar Land, Texas and the surrounding area money market deposit account rates include Frost BankFrost Bank620 Highway 6, Sugar Land, TX 77478A+5.0 ★Texas Ratio: 2.51%Real return: +0.30%APY minus 3.7% CPIRate verified Oct 26, 2026 Personal Money Market Account - 90 Day at 4.00% APY, Sunflower BankSunflower Bank3 Sugar Creek Center Blvd, Sugar Land, TX 77478A5.0 ★Texas Ratio: 10.77%Real return: +0.15%APY minus 3.7% CPIRate verified Oct 26, 2026 Velocity Money Market at 3.85% APY, Bank of the OrientBank of the Orient800 Bonaventure Way, Sugar Land, TX 77479A-5.0 ★Texas Ratio: 15.57%Real return: -0.05%APY minus 3.7% CPIRate verified Oct 27, 2026 Money Market Promotion at 3.65% APY, Nizari Progressive Federal Credit UnionNizari Progressive Federal Credit Union14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678A+5.0 ★Texas Ratio: 1.16%Real return: -0.09%APY minus 3.7% CPIRate verified Oct 23, 2026 Money Market Account at 3.61% APY, and VirtualBankVirtualBank5079 Sweetwater Blvd, Sugar Land, TX 77479A+5.0 ★Texas Ratio: 5.76%Real return: -0.19%APY minus 3.7% CPIRate verified Oct 26, 2026 eMoney Market Special at 3.51% APY. Money market rates as of October 27, 2026 according to verified data from MonitorBankRates.

Sugar Land has 26 local institutions in our database, with money market rates as high as 4.00% APY from Frost Bank at 620 Highway 6, Sugar Land, TX 77478. 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 Sugar Land, Texas and surrounding area. Last Updated and Verified: October 27, 2026

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

Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Frost Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
Personal Money Market Account - 90 Day
4.00%
N/A
▼
RateN/A
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $500,000 and over

Rate History
1 change since Sep 24, 2026 · 3.80% → 4.00% ▲ 0.20 pts · high 4.00% / low 3.80%
3.30%3.90%4.50%Sep 24, 2026: 3.80% APYOct 14, 2026: 4.00% APYSep 24, 2026Oct 28, 2026
  • Oct 14, 20264.00%▲ from 3.80%
  • Sep 24, 20263.80%first recorded
Sunflower Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.77%
3 Sugar Creek Center Blvd, Sugar Land, TX 77478
Velocity Money Market
3.85%
N/A
▼
RateN/A
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $24,999.01 & Above

Rate History
No change since Oct 14, 2026 · 3.85% APY · checked 3 times
3.35%3.85%4.35%Oct 14, 2026: 3.85% APYOct 14, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
Personal Money Market Account - 90 Day
3.70%
N/A
▼
RateN/A
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $100,000 and over

Rate History
2 changes since Sep 24, 2026 · 3.50% → 3.70% ▲ 0.20 pts · high 3.70% / low 3.50%
3.00%3.60%4.20%Sep 24, 2026: 3.50% APYOct 14, 2026: 3.65% APYOct 20, 2026: 3.70% APYSep 24, 2026Oct 28, 2026
  • Oct 20, 20263.70%▲ from 3.65%
  • Oct 14, 20263.65%▲ from 3.50%
  • Sep 24, 20263.50%first recorded
Bank of the Orient
Institution Rating:
A-5.0 ★ Texas Ratio: 15.57%
800 Bonaventure Way, Sugar Land, TX 77479
Money Market Promotion
3.65%
N/A
▼
RateN/A
Min DepositN/A
Min BalanceN/A
UpdatedOct 27, 2026
Details

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

Rate History
No change since Sep 14, 2026 · 3.65% APY · checked 12 times
3.15%3.65%4.15%Sep 14, 2026: 3.65% APYSep 14, 2026Oct 28, 2026
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Money Market Account
3.61%
N/A
▼
Rate3.55%
Min DepositN/A
Min BalanceN/A
UpdatedOct 23, 2026
Details

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

Rate History
6 changes since Sep 14, 2026 · 3.61% → 3.61% ▼ 0.00 pts · high 3.61% / low 3.61%
3.11%3.61%4.11%Sep 14, 2026: 3.61% APYSep 18, 2026: 3.61% APYSep 21, 2026: 3.61% APYSep 25, 2026: 3.61% APYSep 29, 2026: 3.61% APYOct 15, 2026: 3.61% APYOct 23, 2026: 3.61% APYSep 14, 2026Oct 28, 2026
  • Oct 23, 20263.61%▼ from 3.61%
  • Oct 15, 20263.61%▼ from 3.61%
  • Sep 29, 20263.61%▲ from 3.61%
  • Sep 25, 20263.61%▼ from 3.61%
Frost Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
Personal Money Market Account - 180 Day
3.60%
N/A
▼
RateN/A
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $100,000 and over

Rate History
1 change since Sep 24, 2026 · 3.50% → 3.60% ▲ 0.10 pts · high 3.60% / low 3.50%
3.00%3.55%4.10%Sep 24, 2026: 3.50% APYOct 14, 2026: 3.60% APYSep 24, 2026Oct 28, 2026
  • Oct 14, 20263.60%▲ from 3.50%
  • Sep 24, 20263.50%first recorded
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Money Market Account
3.56%
N/A
▼
Rate3.50%
Min DepositN/A
Min BalanceN/A
UpdatedOct 23, 2026
Details

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

Rate History
6 changes since Sep 14, 2026 · 3.56% → 3.56% ▼ 0.00 pts · high 3.56% / low 3.56%
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 18, 2026: 3.56% APYSep 21, 2026: 3.56% APYSep 25, 2026: 3.56% APYSep 29, 2026: 3.56% APYOct 15, 2026: 3.56% APYOct 23, 2026: 3.56% APYSep 14, 2026Oct 28, 2026
  • Oct 23, 20263.56%▼ from 3.56%
  • Oct 15, 20263.56%▼ from 3.56%
  • Sep 29, 20263.56%▲ from 3.56%
  • Sep 25, 20263.56%▼ from 3.56%
VirtualBank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.76%
5079 Sweetwater Blvd, Sugar Land, TX 77479
eMoney Market Special
3.51%
N/A
▼
Rate3.45%
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Special rate for new accounts opened today; Balance: not stated

Rate History
No change since Sep 18, 2026 · 3.51% APY · checked 9 times
3.01%3.51%4.01%Sep 18, 2026: 3.51% APYSep 18, 2026Oct 28, 2026
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Money Market Account
3.51%
N/A
▼
Rate3.45%
Min DepositN/A
Min BalanceN/A
UpdatedOct 23, 2026
Details

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

Rate History
6 changes since Sep 14, 2026 · 3.51% → 3.51% ▼ 0.00 pts · high 3.51% / low 3.51%
3.01%3.51%4.01%Sep 14, 2026: 3.51% APYSep 18, 2026: 3.51% APYSep 21, 2026: 3.51% APYSep 25, 2026: 3.51% APYSep 29, 2026: 3.51% APYOct 15, 2026: 3.51% APYOct 23, 2026: 3.51% APYSep 14, 2026Oct 28, 2026
  • Oct 23, 20263.51%▼ from 3.51%
  • Oct 15, 20263.51%▼ from 3.51%
  • Sep 29, 20263.51%▲ from 3.51%
  • Sep 25, 20263.51%▼ from 3.51%
Amerant Bank
Institution Rating:
B+4.7 ★ Texas Ratio: 18.65%
330 Highway 6, Sugar Land, TX 77478
Relationship Money Market
3.50%
N/A
▼
RateN/A
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

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

Rate History
No change since Sep 18, 2026 · 3.50% APY · checked 9 times
3.00%3.50%4.00%Sep 18, 2026: 3.50% APYSep 18, 2026Oct 28, 2026
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.36%
6540 E Riverpark Dr, Sugar Land, TX 77479 5470
Money Market Max
3.50%
N/A
▼
Rate3.45%
Min DepositN/A
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $250,000 and greater; Dividends compounded monthly, dividend period monthly

Rate History
No change since Sep 25, 2026 · 3.50% APY · checked 5 times
3.00%3.50%4.00%Sep 25, 2026: 3.50% APYSep 25, 2026Oct 28, 2026
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Money Market Account
3.45%
N/A
▼
Rate3.40%
Min DepositN/A
Min BalanceN/A
UpdatedOct 23, 2026
Details

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

Rate History
5 changes since Sep 18, 2026 · 3.45% → 3.45% ▼ 0.00 pts · high 3.45% / low 3.45%
2.95%3.45%3.95%Sep 18, 2026: 3.45% APYSep 21, 2026: 3.45% APYSep 25, 2026: 3.45% APYSep 29, 2026: 3.45% APYOct 15, 2026: 3.45% APYOct 23, 2026: 3.45% APYSep 18, 2026Oct 28, 2026
  • Oct 23, 20263.45%▼ from 3.45%
  • Oct 15, 20263.45%▲ from 3.45%
  • Sep 29, 20263.45%▼ from 3.45%
  • Sep 25, 20263.45%▼ from 3.45%
Vio Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
330 Highway 6, Sugar Land, TX 77478
Cornerstone Money Market Savings Account
3.40%
$100
▼
RateN/A
Min Deposit$100
Min BalanceN/A
UpdatedOct 26, 2026
Details

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

Rate History
No change since Sep 24, 2026 · 3.40% APY · checked 8 times
2.90%3.40%3.90%Sep 24, 2026: 3.40% APYSep 24, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
Personal Money Market Account - 12 Month
3.35%
N/A
▼
RateN/A
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $100,000 and over

Rate History
1 change since Sep 24, 2026 · 3.25% → 3.35% ▲ 0.10 pts · high 3.35% / low 3.25%
2.75%3.30%3.85%Sep 24, 2026: 3.25% APYOct 14, 2026: 3.35% APYSep 24, 2026Oct 28, 2026
  • Oct 14, 20263.35%▲ from 3.25%
  • Sep 24, 20263.25%first recorded
Frost Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
Personal Money Market Account - 90 Day
3.35%
N/A
▼
RateN/A
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $1,000 - $99,999.99

Rate History
2 changes since Sep 24, 2026 · 3.20% → 3.35% ▲ 0.15 pts · high 3.35% / low 3.20%
2.70%3.28%3.85%Sep 24, 2026: 3.20% APYOct 14, 2026: 3.30% APYOct 20, 2026: 3.35% APYSep 24, 2026Oct 28, 2026
  • Oct 20, 20263.35%▲ from 3.30%
  • Oct 14, 20263.30%▲ from 3.20%
  • Sep 24, 20263.20%first recorded
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
4660 Sweetwater Boulevard, Sugar Land, TX 77479
Relationship Money Market Account - With Huntington Perks Checking
3.35%
N/A
▼
Rate3.30%
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $25,000.00 to $2,000,000.99; Requires an open Huntington Perks Checking account; Minimum balance to earn interest is $25,000.00 and must be new money to Huntington

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Oct 28, 2026
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
4660 Sweetwater Boulevard, Sugar Land, TX 77479
Relationship Money Market Account - With Huntington Platinum Perks Checking
3.35%
N/A
▼
Rate3.30%
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $25,000.00 to $2,000,000.99; Requires an open Huntington Platinum Perks Checking account; Minimum balance to earn interest is $25,000.00 and must be new money to Huntington

Rate History
No change since Sep 18, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 18, 2026: 3.35% APYSep 18, 2026Oct 28, 2026
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.36%
6540 E Riverpark Dr, Sugar Land, TX 77479 5470
Money Market Max
3.35%
N/A
▼
Rate3.30%
Min DepositN/A
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $100,000 - $249,999.99; Dividends compounded monthly, dividend period monthly

Rate History
No change since Sep 25, 2026 · 3.35% APY · checked 5 times
2.85%3.35%3.85%Sep 25, 2026: 3.35% APYSep 25, 2026Oct 28, 2026
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.36%
6540 E Riverpark Dr, Sugar Land, TX 77479 5470
Money Market Max
3.25%
N/A
▼
Rate3.20%
Min DepositN/A
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $50,000 - $99,999.99; Dividends compounded monthly, dividend period monthly

Rate History
No change since Sep 25, 2026 · 3.25% APY · checked 5 times
2.75%3.25%3.75%Sep 25, 2026: 3.25% APYSep 25, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
Personal Money Market Account - 180 Day
3.20%
N/A
▼
RateN/A
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $1,000 - $99,999.99

Rate History
1 change since Sep 24, 2026 · 3.10% → 3.20% ▲ 0.10 pts · high 3.20% / low 3.10%
2.60%3.15%3.70%Sep 24, 2026: 3.10% APYOct 14, 2026: 3.20% APYSep 24, 2026Oct 28, 2026
  • Oct 14, 20263.20%▲ from 3.10%
  • Sep 24, 20263.10%first recorded
Frost Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
Personal Money Market Account - 24 Month
3.10%
N/A
▼
RateN/A
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $100,000 and over

Rate History
1 change since Sep 24, 2026 · 3.00% → 3.10% ▲ 0.10 pts · high 3.10% / low 3.00%
2.50%3.05%3.60%Sep 24, 2026: 3.00% APYOct 14, 2026: 3.10% APYSep 24, 2026Oct 28, 2026
  • Oct 14, 20263.10%▲ from 3.00%
  • Sep 24, 20263.00%first recorded
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.36%
6540 E Riverpark Dr, Sugar Land, TX 77479 5470
Money Market Max
3.10%
N/A
▼
Rate3.06%
Min DepositN/A
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $25,000 - $49,999.99; Dividends compounded monthly, dividend period monthly

Rate History
No change since Sep 25, 2026 · 3.10% APY · checked 5 times
2.60%3.10%3.60%Sep 25, 2026: 3.10% APYSep 25, 2026Oct 28, 2026
Home Bank National Association
Institution Rating:
A5.0 ★ Texas Ratio: 8.03%
12946 Dairy Ashford Rd, Sugar Land, TX 77478
Business Money Market
3.04%
$5,000
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
UpdatedOct 27, 2026
Details

Balance: $5,000 - $5,000,000; Special rate; Avoid $15 monthly service charge with $5,000 daily balance; 6 free debits per month, $10 each thereafter; Free online banking; Free eStatements

Rate History
No change since Oct 22, 2026 · 3.04% APY · checked 3 times
2.54%3.04%3.54%Oct 22, 2026: 3.04% APYOct 22, 2026Oct 28, 2026
Home Bank National Association
Institution Rating:
A5.0 ★ Texas Ratio: 8.03%
12946 Dairy Ashford Rd, Sugar Land, TX 77478
Money Market Account
3.04%
$5,000
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
UpdatedOct 27, 2026
Details

Balance: $5,000 - $5,000,000; Special GREAT MONEY MARKET RATE; Earn an additional 0.10% APY with a consumer checking account relationship; Avoid $15 monthly service charge with $5,000 daily balance; 6 free debits per month, $10 each thereafter

Rate History
No change since Oct 26, 2026 · 3.04% APY · checked 2 times
2.54%3.04%3.54%Oct 26, 2026: 3.04% APYOct 26, 2026Oct 28, 2026
Sunflower Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.77%
3 Sugar Creek Center Blvd, Sugar Land, TX 77478
Velocity Money Market
3.02%
N/A
▼
RateN/A
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $24,999.00 & Below

Rate History
No change since Oct 14, 2026 · 3.02% APY · checked 3 times
2.52%3.02%3.52%Oct 14, 2026: 3.02% APYOct 14, 2026Oct 28, 2026
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.36%
6540 E Riverpark Dr, Sugar Land, TX 77479 5470
Money Market Max
3.00%
N/A
▼
Rate2.96%
Min DepositN/A
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $10,000 - $24,999.99; Dividends compounded monthly, dividend period monthly

Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 25, 2026: 3.00% APYSep 25, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
Personal Money Market Account - 12 Month
2.90%
N/A
▼
RateN/A
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $1,000 - $99,999.99

Rate History
1 change since Sep 24, 2026 · 2.80% → 2.90% ▲ 0.10 pts · high 2.90% / low 2.80%
2.30%2.85%3.40%Sep 24, 2026: 2.80% APYOct 14, 2026: 2.90% APYSep 24, 2026Oct 28, 2026
  • Oct 14, 20262.90%▲ from 2.80%
  • Sep 24, 20262.80%first recorded
Frost Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
Business High Yield Money Market
2.85%
N/A
▼
RateN/A
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $20,000,000 and Over; Frost APY effective as of 10/19/2026; Fees could reduce earnings

Rate History
No change since Oct 14, 2026 · 2.85% APY · checked 3 times
2.35%2.85%3.35%Oct 14, 2026: 2.85% APYOct 14, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
Money Market
2.85%
N/A
▼
RateN/A
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $20,000,000 and over

Rate History
No change since Oct 7, 2026 · 2.85% APY · checked 5 times
2.35%2.85%3.35%Oct 7, 2026: 2.85% APYOct 7, 2026Oct 28, 2026
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.36%
6540 E Riverpark Dr, Sugar Land, TX 77479 5470
Money Market Max
2.85%
N/A
▼
Rate2.81%
Min DepositN/A
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $5 - $9999.99; Minimum Balance to Earn APY: $1.00; Dividends compounded monthly, dividend period monthly

Rate History
No change since Oct 12, 2026 · 2.85% APY · checked 3 times
2.35%2.85%3.35%Oct 12, 2026: 2.85% APYOct 12, 2026Oct 28, 2026
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
4660 Sweetwater Boulevard, Sugar Land, TX 77479
High Yield Money Market
2.70%
$25,000
▼
Rate2.67%
Min Deposit$25,000
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $25,000.00 - $2,000,000.99; APY range 2.70%-3.75% and rate range 2.67%-3.69% based on zip code; variable rate, subject to change; minimum $25,000 new money not currently deposited at Huntington; Relationship Money Market Account; $25 monthly fee if balance below $25,000 and no Perks Checking or Platinum Perks Checking

Rate History
No change since Sep 14, 2026 · 2.70% APY · checked 10 times
2.20%2.70%3.20%Sep 14, 2026: 2.70% APYSep 14, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
Business High Yield Money Market
2.65%
N/A
▼
RateN/A
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $10,000,000 - $19,999,999.99; Frost APY effective as of 10/19/2026; Fees could reduce earnings

Rate History
No change since Oct 14, 2026 · 2.65% APY · checked 3 times
2.15%2.65%3.15%Oct 14, 2026: 2.65% APYOct 14, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
Money Market
2.65%
N/A
▼
RateN/A
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $10,000,000 - $19,999,999.99

Rate History
No change since Oct 7, 2026 · 2.65% APY · checked 5 times
2.15%2.65%3.15%Oct 7, 2026: 2.65% APYOct 7, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
Personal Money Market Account - 24 Month
2.60%
N/A
▼
RateN/A
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $1,000 - $99,999.99

Rate History
1 change since Sep 24, 2026 · 2.50% → 2.60% ▲ 0.10 pts · high 2.60% / low 2.50%
2.00%2.55%3.10%Sep 24, 2026: 2.50% APYOct 14, 2026: 2.60% APYSep 24, 2026Oct 28, 2026
  • Oct 14, 20262.60%▲ from 2.50%
  • Sep 24, 20262.50%first recorded
Frost Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
Business High Yield Money Market
2.50%
N/A
▼
RateN/A
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $2,500,000 - $9,999,999.99; Frost APY effective as of 10/19/2026; Fees could reduce earnings

Rate History
No change since Oct 14, 2026 · 2.50% APY · checked 3 times
2.00%2.50%3.00%Oct 14, 2026: 2.50% APYOct 14, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
Money Market
2.50%
N/A
▼
RateN/A
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $2,500,000 - $9,999,999.99

Rate History
No change since Oct 7, 2026 · 2.50% APY · checked 5 times
2.00%2.50%3.00%Oct 7, 2026: 2.50% APYOct 7, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
Business High Yield Money Market
2.35%
N/A
▼
RateN/A
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $1,000,000 - $2,499,999.99; Frost APY effective as of 10/19/2026; Fees could reduce earnings

Rate History
No change since Oct 14, 2026 · 2.35% APY · checked 3 times
1.85%2.35%2.85%Oct 14, 2026: 2.35% APYOct 14, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
Money Market
2.35%
N/A
▼
RateN/A
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $1,000,000 - $2,499,999.99

Rate History
No change since Oct 7, 2026 · 2.35% APY · checked 5 times
1.85%2.35%2.85%Oct 7, 2026: 2.35% APYOct 7, 2026Oct 28, 2026
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Money Market Account
2.32%
N/A
▼
Rate2.30%
Min DepositN/A
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $100,000.01 - $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

Rate History
6 changes since Sep 14, 2026 · 2.32% → 2.32% ▼ 0.00 pts · high 2.32% / low 2.32%
1.82%2.32%2.82%Sep 14, 2026: 2.32% APYSep 18, 2026: 2.32% APYSep 21, 2026: 2.32% APYSep 25, 2026: 2.32% APYSep 29, 2026: 2.32% APYOct 15, 2026: 2.32% APYOct 23, 2026: 2.32% APYSep 14, 2026Oct 28, 2026
  • Oct 23, 20262.32%▼ from 2.32%
  • Oct 15, 20262.32%▲ from 2.32%
  • Sep 29, 20262.32%▼ from 2.32%
  • Sep 25, 20262.32%▼ from 2.32%
Frost Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
Money Market
2.30%
N/A
▼
RateN/A
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $250,000 - $999,999.99

Rate History
No change since Oct 7, 2026 · 2.30% APY · checked 5 times
1.80%2.30%2.80%Oct 7, 2026: 2.30% APYOct 7, 2026Oct 28, 2026
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.16%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Money Market Account
2.27%
N/A
▼
Rate2.25%
Min DepositN/A
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $2,500.00 - $100,000.00; 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

Rate History
6 changes since Sep 14, 2026 · 2.27% → 2.27% ▼ 0.00 pts · high 2.27% / low 2.27%
1.77%2.27%2.77%Sep 14, 2026: 2.27% APYSep 18, 2026: 2.27% APYSep 21, 2026: 2.27% APYSep 25, 2026: 2.27% APYSep 29, 2026: 2.27% APYOct 15, 2026: 2.27% APYOct 23, 2026: 2.27% APYSep 14, 2026Oct 28, 2026
  • Oct 23, 20262.27%▼ from 2.27%
  • Oct 15, 20262.27%▲ from 2.27%
  • Sep 29, 20262.27%▼ from 2.27%
  • Sep 25, 20262.27%▼ from 2.27%
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
3400 Highway 6, Sugar Land, TX 77478 4408
Money Market Fund
2.25%
N/A
▼
RateN/A
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 9 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
Money Market
2.15%
N/A
▼
RateN/A
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $100,000 - $249,999.99

Rate History
No change since Oct 7, 2026 · 2.15% APY · checked 5 times
1.65%2.15%2.65%Oct 7, 2026: 2.15% APYOct 7, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
310 Highway 6 Ste 200, Sugar Land, TX 77478
Jumbo Money Market Savings Account (MMSA)
2.15%
N/A
▼
Rate2.13%
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $1,000,000 and over; Savings & IRA

Rate History
No change since Sep 30, 2026 · 2.15% APY · checked 4 times
1.65%2.15%2.65%Sep 30, 2026: 2.15% APYSep 30, 2026Oct 28, 2026
FSB Louise, TX
Institution Rating:
B+4.8 ★ Texas Ratio: 17.66%
200 Century Square Blvd, Sugar Land, TX 77478
Tiered Money Market
2.02%
N/A
▼
Rate2.00%
Min DepositN/A
Min BalanceN/A
UpdatedOct 27, 2026
Details

Tier 3; Balance: $100,000.00 & Above

Rate History
No change since Sep 28, 2026 · 2.02% APY · checked 7 times
1.52%2.02%2.52%Sep 28, 2026: 2.02% APYSep 28, 2026Oct 28, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
Investors' Choice Money Market
1.96%
$25,000
▼
Rate1.95%
Min Deposit$25,000
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $250,000.00 and over; Minimum to open $25,000.00; Monthly fee if average daily balance below $25,000.00

Rate History
No change since Sep 14, 2026 · 1.96% APY · checked 8 times
1.46%1.96%2.46%Sep 14, 2026: 1.96% APYSep 14, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
310 Highway 6 Ste 200, Sugar Land, TX 77478
Jumbo Money Market Savings Account (MMSA)
1.95%
N/A
▼
Rate1.93%
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $500,000 - $999,999; Savings & IRA

Rate History
No change since Sep 30, 2026 · 1.95% APY · checked 4 times
1.45%1.95%2.45%Sep 30, 2026: 1.95% APYSep 30, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
310 Highway 6 Ste 200, Sugar Land, TX 77478
Jumbo Money Market Savings Account (MMSA)
1.75%
N/A
▼
Rate1.74%
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $250,000 - $499,999; Savings & IRA

Rate History
No change since Sep 30, 2026 · 1.75% APY · checked 4 times
1.25%1.75%2.25%Sep 30, 2026: 1.75% APYSep 30, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
310 Highway 6 Ste 200, Sugar Land, TX 77478
Jumbo Money Market Savings Account (MMSA)
1.70%
N/A
▼
Rate1.69%
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $100,000 - $249,999; Savings & IRA

Rate History
No change since Sep 30, 2026 · 1.70% APY · checked 4 times
1.20%1.70%2.20%Sep 30, 2026: 1.70% APYSep 30, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
Frost Business Money Market
1.60%
N/A
▼
RateN/A
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $2,500,000 - $9,999,999.99

Rate History
No change since Oct 14, 2026 · 1.60% APY · checked 2 times
1.10%1.60%2.10%Oct 14, 2026: 1.60% APYOct 14, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
Business High Yield Money Market
1.57%
N/A
▼
RateN/A
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $250,000 - $999,999.99; Frost APY effective as of 10/19/2026; Fees could reduce earnings

Rate History
No change since Oct 14, 2026 · 1.57% APY · checked 3 times
1.07%1.57%2.07%Oct 14, 2026: 1.57% APYOct 14, 2026Oct 28, 2026
CIT Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
1295 Highway 6, Sugar Land, TX 77478
Money Market
1.55%
$100
▼
Rate1.54%
Min Deposit$100
Min BalanceN/A
UpdatedOct 26, 2026
Details

Rate History
No change since Sep 24, 2026 · 1.55% APY · checked 8 times
1.05%1.55%2.05%Sep 24, 2026: 1.55% APYSep 24, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
310 Highway 6 Ste 200, Sugar Land, TX 77478
Money Market Savings Account (MMSA)
1.55%
N/A
▼
Rate1.54%
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $50,000 and over; Savings, IRA & ESA; Compounded and credited monthly; must maintain a minimum daily balance of $2,500 to earn dividends

Rate History
No change since Sep 30, 2026 · 1.55% APY · checked 4 times
1.05%1.55%2.05%Sep 30, 2026: 1.55% APYSep 30, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
Frost Business Money Market
1.50%
N/A
▼
RateN/A
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $1,000,000 - $2,499,999.99

Rate History
No change since Oct 14, 2026 · 1.50% APY · checked 2 times
1.00%1.50%2.00%Oct 14, 2026: 1.50% APYOct 14, 2026Oct 28, 2026
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
9810 Highway 90A, Sugar Land, TX 77478 3124
Money Market Account
1.50%
$2,500
▼
Rate1.49%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $100,000+

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 9 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 28, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
Investors' Choice Money Market
1.46%
$25,000
▼
Rate1.45%
Min Deposit$25,000
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $100,000.00 - $249,999.99; Minimum to open $25,000.00; Monthly fee if average daily balance below $25,000.00

Rate History
No change since Sep 14, 2026 · 1.46% APY · checked 8 times
0.96%1.46%1.96%Sep 14, 2026: 1.46% APYSep 14, 2026Oct 28, 2026
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
16320 Kensington Dr, Sugar Land, TX 77479 4097
Insured Money Market
1.45%
N/A
▼
Rate1.44%
Min DepositN/A
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: greater than or equal to $100,000

Rate History
No change since Oct 23, 2026 · 1.45% APY
0.95%1.45%1.95%Oct 23, 2026: 1.45% APYOct 23, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
Business High Yield Money Market
1.40%
N/A
▼
RateN/A
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $100,000 - $249,999.99; Frost APY effective as of 10/19/2026; Fees could reduce earnings

Rate History
No change since Oct 14, 2026 · 1.40% APY · checked 3 times
0.90%1.40%1.90%Oct 14, 2026: 1.40% APYOct 14, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
Personal Money Market Account - 60 Day
1.40%
N/A
▼
RateN/A
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $100,000 and over

Rate History
No change since Sep 24, 2026 · 1.40% APY · checked 5 times
0.90%1.40%1.90%Sep 24, 2026: 1.40% APYSep 24, 2026Oct 28, 2026
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
16320 Kensington Dr, Sugar Land, TX 77479 4097
Insured Money Market
1.35%
N/A
▼
Rate1.34%
Min DepositN/A
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $40,000 - $99,999.99

Rate History
No change since Oct 23, 2026 · 1.35% APY
0.85%1.35%1.85%Oct 23, 2026: 1.35% APYOct 23, 2026Oct 28, 2026
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
12300 University Blvd Ste B108, Sugar Land, TX 77479
Money Market Accounts
1.35%
$2,500
▼
Rate1.35%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $250,000 & Above; Min balance to earn stated APY: $2,500.00; Dividends compounded Monthly, credited Monthly; Dividend calculation method: Average Daily Balance

Rate History
1 change since Sep 14, 2026 · 1.20% → 1.35% ▲ 0.15 pts · high 1.35% / low 1.20%
0.70%1.28%1.85%Sep 14, 2026: 1.20% APYOct 26, 2026: 1.35% APYSep 14, 2026Oct 28, 2026
  • Oct 26, 20261.35%▲ from 1.20%
  • Sep 14, 20261.20%first recorded
Frost Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
Business High Yield Money Market
1.30%
N/A
▼
RateN/A
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $50,000 - $99,999.99; Frost APY effective as of 10/19/2026; Fees could reduce earnings

Rate History
No change since Oct 14, 2026 · 1.30% APY · checked 3 times
0.80%1.30%1.80%Oct 14, 2026: 1.30% APYOct 14, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
Personal Money Market Account - 30 Day
1.30%
N/A
▼
RateN/A
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $100,000 and over

Rate History
No change since Sep 24, 2026 · 1.30% APY · checked 5 times
0.80%1.30%1.80%Sep 24, 2026: 1.30% APYSep 24, 2026Oct 28, 2026
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
12300 University Blvd Ste B108, Sugar Land, TX 77479
Money Market Accounts
1.30%
$2,500
▼
Rate1.30%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $100,000 - $249,999.99; Min balance to earn stated APY: $2,500.00; Dividends compounded Monthly, credited Monthly; Dividend calculation method: Average Daily Balance

Rate History
No change since Oct 19, 2026 · 1.30% APY · checked 2 times
0.80%1.30%1.80%Oct 19, 2026: 1.30% APYOct 19, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
Business High Yield Money Market
1.25%
N/A
▼
RateN/A
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $0.00 - $24,999.99; Frost APY effective as of 10/19/2026; Fees could reduce earnings

Rate History
No change since Oct 14, 2026 · 1.25% APY · checked 3 times
0.75%1.25%1.75%Oct 14, 2026: 1.25% APYOct 14, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
Personal Money Market Account - 14 Day
1.25%
N/A
▼
RateN/A
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $100,000 and over

Rate History
No change since Sep 24, 2026 · 1.25% APY · checked 5 times
0.75%1.25%1.75%Sep 24, 2026: 1.25% APYSep 24, 2026Oct 28, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
15245 Southwest Fwy, Sugar Land, TX 77478
Premier Money Market
1.25%
$50
▼
RateN/A
Min Deposit$50
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $250,000 +

Rate History
No change since Sep 18, 2026 · 1.25% APY · checked 9 times
0.75%1.25%1.75%Sep 18, 2026: 1.25% APYSep 18, 2026Oct 28, 2026
Home Bank National Association
Institution Rating:
A5.0 ★ Texas Ratio: 8.03%
12946 Dairy Ashford Rd, Sugar Land, TX 77478
Business Money Market
1.25%
$5,000
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
UpdatedOct 27, 2026
Details

Balance: $5,000,000.01 and over; Avoid $15 monthly service charge with $5,000 daily balance; 6 free debits per month, $10 each thereafter; Free online banking; Free eStatements

Rate History
No change since Oct 22, 2026 · 1.25% APY · checked 3 times
0.75%1.25%1.75%Oct 22, 2026: 1.25% APYOct 22, 2026Oct 28, 2026
Home Bank National Association
Institution Rating:
A5.0 ★ Texas Ratio: 8.03%
12946 Dairy Ashford Rd, Sugar Land, TX 77478
Money Market Account
1.25%
$5,000
▼
RateN/A
Min Deposit$5,000
Min BalanceN/A
UpdatedOct 27, 2026
Details

Balance: $5,000,000.01 and over; 6 free debits per month, $10 each thereafter

Rate History
No change since Oct 26, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Oct 26, 2026: 1.25% APYOct 26, 2026Oct 28, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
Money Market
1.25%
$2,500
▼
Rate1.24%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $250,000 and more; Required to Earn Stated APY and to Avoid Maintenance Fee

Rate History
1 change since Sep 14, 2026 · 0.70% → 1.25% ▲ 0.55 pts · high 1.25% / low 0.70%
0.15%0.98%1.80%Sep 14, 2026: 0.70% APYOct 19, 2026: 1.25% APYSep 14, 2026Oct 28, 2026
  • Oct 19, 20261.25%▲ from 0.70%
  • Sep 14, 20260.70%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
TDECU Money Market Account
1.25%
$2,500
▼
Rate1.24%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $250,000 and more; $2,500 minimum balance required to earn stated APY and avoid maintenance fee; Routing Number: 313185515

Rate History
No change since Oct 19, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Oct 19, 2026: 1.25% APYOct 19, 2026Oct 28, 2026
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
12300 University Blvd Ste B108, Sugar Land, TX 77479
Money Market Accounts
1.25%
$2,500
▼
Rate1.25%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $50,000 - $99,999.99; Min balance to earn stated APY: $2,500.00; Dividends compounded Monthly, credited Monthly; Dividend calculation method: Average Daily Balance

Rate History
No change since Oct 19, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Oct 19, 2026: 1.25% APYOct 19, 2026Oct 28, 2026
First Service Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.24%
13533 University Boulevard, Sugar Land, TX 77479
Money Market
1.25%
N/A
▼
Rate1.24%
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $500,000 and above

Rate History
No change since Oct 19, 2026 · 1.25% APY · checked 2 times
0.75%1.25%1.75%Oct 19, 2026: 1.25% APYOct 19, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
Frost Business Money Market
1.20%
N/A
▼
RateN/A
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $250,000 - $999,999.99

Rate History
No change since Oct 14, 2026 · 1.20% APY · checked 2 times
0.70%1.20%1.70%Oct 14, 2026: 1.20% APYOct 14, 2026Oct 28, 2026
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
16320 Kensington Dr, Sugar Land, TX 77479 4097
Insured Money Market
1.20%
N/A
▼
Rate1.19%
Min DepositN/A
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $20,000 - $39,999.99

Rate History
No change since Oct 23, 2026 · 1.20% APY
0.70%1.20%1.70%Oct 23, 2026: 1.20% APYOct 23, 2026Oct 28, 2026
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
12300 University Blvd Ste B108, Sugar Land, TX 77479
Money Market Accounts
1.20%
$2,500
▼
Rate1.20%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $2,500 - $49,999.99; Min balance to earn stated APY: $2,500.00; Dividends compounded Monthly, credited Monthly; Dividend calculation method: Average Daily Balance

Rate History
No change since Sep 14, 2026 · 1.20% APY · checked 7 times
0.70%1.20%1.70%Sep 14, 2026: 1.20% APYSep 14, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
Money Market
1.15%
N/A
▼
RateN/A
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $50,000 - $99,999.99

Rate History
No change since Oct 7, 2026 · 1.15% APY · checked 5 times
0.65%1.15%1.65%Oct 7, 2026: 1.15% APYOct 7, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
310 Highway 6 Ste 200, Sugar Land, TX 77478
Money Market Savings Account (MMSA)
1.15%
N/A
▼
Rate1.14%
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $25,000 - $49,999; Savings, IRA & ESA; Compounded and credited monthly; must maintain a minimum daily balance of $2,500 to earn dividends

Rate History
No change since Sep 30, 2026 · 1.15% APY · checked 4 times
0.65%1.15%1.65%Sep 30, 2026: 1.15% APYSep 30, 2026Oct 28, 2026
Capital Bank TX
Institution Rating:
A+5.0 ★ Texas Ratio: 0.07%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
Capital Plus Tiered Money Market
1.11%
$1,000
▼
Rate1.10%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: 100,000.00 - Over; Monthly fee if average daily balance below $2,500.00; APY accurate as of 12/15/2025

Rate History
No change since Sep 14, 2026 · 1.11% APY · checked 8 times
0.61%1.11%1.61%Sep 14, 2026: 1.11% APYSep 14, 2026Oct 28, 2026
Frost Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
620 Highway 6, Sugar Land, TX 77478
Frost Business Money Market
1.10%
N/A
▼
RateN/A
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $100,000 - $249,999.99

Rate History
No change since Oct 14, 2026 · 1.10% APY · checked 2 times
0.60%1.10%1.60%Oct 14, 2026: 1.10% APYOct 14, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
310 Highway 6 Ste 200, Sugar Land, TX 77478
Money Market Savings Account (MMSA)
1.10%
N/A
▼
Rate1.09%
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $10,000 - $24,999; Savings, IRA & ESA; Compounded and credited monthly; must maintain a minimum daily balance of $2,500 to earn dividends

Rate History
No change since Sep 30, 2026 · 1.10% APY · checked 4 times
0.60%1.10%1.60%Sep 30, 2026: 1.10% APYSep 30, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
310 Highway 6 Ste 200, Sugar Land, TX 77478
Money Market Savings Account (MMSA)
1.00%
N/A
▼
Rate1.00%
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $2,500 - $9,999; Savings, IRA & ESA; Compounded and credited monthly; must maintain a minimum daily balance of $2,500 to earn dividends

Rate History
No change since Sep 30, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Sep 30, 2026: 1.00% APYSep 30, 2026Oct 28, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
Money Market
1.00%
$2,500
▼
Rate0.99%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $100,000 - $249,999.99; Required to Earn Stated APY and to Avoid Maintenance Fee

Rate History
1 change since Sep 14, 2026 · 0.40% → 1.00% ▲ 0.60 pts · high 1.00% / low 0.40%
0.00%0.80%1.60%Sep 14, 2026: 0.40% APYOct 19, 2026: 1.00% APYSep 14, 2026Oct 28, 2026
  • Oct 19, 20261.00%▲ from 0.40%
  • Sep 14, 20260.40%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
TDECU Money Market Account
1.00%
$2,500
▼
Rate0.99%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $100,000 - $249,999.99; $2,500 minimum balance required to earn stated APY and avoid maintenance fee; Routing Number: 313185515

Rate History
No change since Oct 19, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 19, 2026: 1.00% APYOct 19, 2026Oct 28, 2026
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
9810 Highway 90A, Sugar Land, TX 77478 3124
Business Money Market
1.00%
$5,000
▼
Rate0.99%
Min Deposit$5,000
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $50,000 and over

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 10 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 28, 2026
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
9810 Highway 90A, Sugar Land, TX 77478 3124
Money Market Account
1.00%
$2,500
▼
Rate0.99%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $50,000.00-99,999.99

Rate History
No change since Sep 27, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Sep 27, 2026: 1.00% APYSep 27, 2026Oct 28, 2026
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
16320 Kensington Dr, Sugar Land, TX 77479 4097
Insured Money Market
0.85%
N/A
▼
Rate0.85%
Min DepositN/A
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $10,000 - $19,999.99

Rate History
No change since Oct 23, 2026 · 0.85% APY
0.35%0.85%1.35%Oct 23, 2026: 0.85% APYOct 23, 2026Oct 28, 2026
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
16320 Kensington Dr, Sugar Land, TX 77479 4097
Insured Money Market
0.80%
N/A
▼
Rate0.80%
Min DepositN/A
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $2,000 - $9,999.99

Rate History
No change since Oct 23, 2026 · 0.80% APY
0.30%0.80%1.30%Oct 23, 2026: 0.80% APYOct 23, 2026Oct 28, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
Money Market
0.80%
$2,500
▼
Rate0.79%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $50,000 - $99,999.99; Required to Earn Stated APY and to Avoid Maintenance Fee

Rate History
No change since Oct 19, 2026 · 0.80% APY · checked 2 times
0.30%0.80%1.30%Oct 19, 2026: 0.80% APYOct 19, 2026Oct 28, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
TDECU Money Market Account
0.80%
$2,500
▼
Rate0.79%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $50,000 - $99,999.99; $2,500 minimum balance required to earn stated APY and avoid maintenance fee; Routing Number: 313185515

Rate History
No change since Oct 19, 2026 · 0.80% APY · checked 2 times
0.30%0.80%1.30%Oct 19, 2026: 0.80% APYOct 19, 2026Oct 28, 2026
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
9810 Highway 90A, Sugar Land, TX 77478 3124
Business Money Market
0.75%
$5,000
▼
Rate0.75%
Min Deposit$5,000
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $25,000 - 49,999.99

Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 10 times
0.25%0.75%1.25%Sep 14, 2026: 0.75% APYSep 14, 2026Oct 28, 2026
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
9810 Highway 90A, Sugar Land, TX 77478 3124
Money Market Account
0.75%
$2,500
▼
Rate0.75%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $25,000.00-49,999.99

Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 9 times
0.25%0.75%1.25%Sep 14, 2026: 0.75% APYSep 14, 2026Oct 28, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
Money Market
0.60%
$2,500
▼
Rate0.59%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $25,000 - $49,999.99; Required to Earn Stated APY and to Avoid Maintenance Fee

Rate History
1 change since Sep 14, 2026 · 0.30% → 0.60% ▲ 0.30 pts · high 0.60% / low 0.30%
0.00%0.55%1.10%Sep 14, 2026: 0.30% APYOct 19, 2026: 0.60% APYSep 14, 2026Oct 28, 2026
  • Oct 19, 20260.60%▲ from 0.30%
  • Sep 14, 20260.30%first recorded
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
TDECU Money Market Account
0.60%
$2,500
▼
Rate0.59%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $25,000 - $49,999.99; $2,500 minimum balance required to earn stated APY and avoid maintenance fee; Routing Number: 313185515

Rate History
No change since Oct 19, 2026 · 0.60% APY · checked 2 times
0.10%0.60%1.10%Oct 19, 2026: 0.60% APYOct 19, 2026Oct 28, 2026
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
9810 Highway 90A, Sugar Land, TX 77478 3124
Money Market Account
0.50%
$2,500
▼
Rate0.50%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $10,000.00-24,999.99

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 9 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 28, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
Money Market
0.40%
$2,500
▼
Rate0.39%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $10,000 - $24,999.99; Required to Earn Stated APY and to Avoid Maintenance Fee

Rate History
No change since Oct 19, 2026 · 0.40% APY · checked 2 times
0.00%0.45%0.90%Oct 19, 2026: 0.40% APYOct 19, 2026Oct 28, 2026
Texas Dow Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.90%
2109 Highway 6, Sugar Land, TX 77478
TDECU Money Market Account
0.40%
$2,500
▼
Rate0.39%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $10,000 - $24,999.99; $2,500 minimum balance required to earn stated APY and avoid maintenance fee; Routing Number: 313185515

Rate History
No change since Oct 19, 2026 · 0.40% APY · checked 2 times
0.00%0.45%0.90%Oct 19, 2026: 0.40% APYOct 19, 2026Oct 28, 2026
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.46%
9810 Highway 90A, Sugar Land, TX 77478 3124
Business Money Market
0.30%
$5,000
▼
Rate0.30%
Min Deposit$5,000
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $5,000 - 24,999.99

Rate History
1 change since Sep 14, 2026 · 0.40% → 0.30% ▼ 0.10 pts · high 0.40% / low 0.30%
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYOct 10, 2026: 0.30% APYSep 14, 2026Oct 28, 2026
  • Oct 10, 20260.30%▼ from 0.40%
  • Sep 14, 20260.40%first recorded
MemberSource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.25%
16535 Lexington Blvd Ste 145, Sugar Land, TX 77479 2587
Money Market Plus
0.30%
$2,500
▼
Rate0.30%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $100,000.00+; $25 fee if balance falls below $2,500

Rate History
No change since Oct 22, 2026 · 0.30% APY · checked 2 times
0.00%0.40%0.80%Oct 22, 2026: 0.30% APYOct 22, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
310 Highway 6 Ste 200, Sugar Land, TX 77478
Jumbo Money Market Savings Account (MMSA)
0.25%
N/A
▼
Rate0.25%
Min DepositN/A
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $0 - $99,999; Savings & IRA

Rate History
No change since Sep 30, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Sep 30, 2026: 0.25% APYSep 30, 2026Oct 28, 2026
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 Sugar Land, 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.

Top Money Market Rates from Sugar Land, Texas Institutions

Highest verified APYs available today, updated October 27, 2026

B Top 5 Bank Rates
Frost Bank
Personal Money Market Account - 90 Day
A+ 5.0 ★ TX: 2.51%
Min: N/A
4.00%
Sunflower Bank
Velocity Money Market
A 5.0 ★ TX: 10.77%
Min: N/A
3.85%
Bank of the Orient
Money Market Promotion
A- 5.0 ★ TX: 15.57%
Min: N/A
3.65%
VirtualBank
eMoney Market Special
A+ 5.0 ★ TX: 5.76%
Min: N/A
3.51%
Amerant Bank
Relationship Money Market
B+ 4.7 ★ TX: 18.65%
Min: N/A
3.50%
CU Top 5 Credit Union Rates
Nizari Progressive Federal Credit Union
Money Market Account
A+ 5.0 ★ TX: 1.16%
Min: N/A
3.61%
PrimeWay Federal Credit Union
Money Market Max
A 5.0 ★ TX: 7.36%
Min: N/A
3.50%
First Community Credit Union Houston, TX
Money Market Fund
A+ 5.0 ★ TX: 3.58%
Min: N/A
2.25%
Navy Federal Credit Union
Jumbo Money Market Savings Account (MMSA)
A 5.0 ★ TX: 8.14%
Min: N/A
2.15%
Smart Financial Credit Union
Money Market Account
A 5.0 ★ TX: 6.46%
Min: $2,500
1.50%
Rates verified October 27, 2026 . Click an institution name to view its full profile, safety ratings, and all money market products.
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Sugar Land, TX Money Market Rate Trends

Compare local Sugar Land, 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
3.183%
▼ 0.015 vs 7 days ago

Texas high-yield MMA rates fell 0.015 points over the past 7 days to 3.183% APY.

Standard MMA TX Avg
0.810%
▲ 0.021 vs 7 days ago

Texas standard MMA rates rose 0.021 points over the past 7 days to 0.810% APY.

As of Oct 28, 2026 • Rate data sourced from 8,500+ monitored institutions

Sugar Land, 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.

Current HY MMA Avg, TX
3.183%
As of Oct 28, 2026
6-Month Forecast
3.233%
Fed hold assumed
12-Month Forecast
3.283%
Range: 3.033%, 3.483%

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 3.183% 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 Sugar Land, Texas.

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Money Market Account Earnings in Sugar Land, 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 (3.183% APY) Monthly Earnings Standard MMA (0.810% APY) Monthly Earnings
$10,000 $318.33 / year $26.53 $81.01 / year $6.75
$25,000 $795.83 / year $66.32 $202.53 / year $16.88
$50,000 $1,591.65 / year $132.64 $405.05 / year $33.75
$100,000 $3,183.30 / year $265.28 $810.10 / year $67.51
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: Sugar Land, Texas money market rate averages as of October 28, 2026.
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26
Institutions with Money Market Rates in Sugar Land
16 Banks 10 Credit Unions

About Our Sugar Land, Texas Money Market Rate Database

MonitorBankRates found 26 institutions with branches in Sugar Land (16 banks, 10 credit unions). 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 Sugar Land, Texas.

How to Find the Best Money Market Rates in Sugar Land, Texas

What to compare when shopping for a money market account in Sugar Land, Texas

To find the best money market APYs in Sugar Land, Texas, start with credit unions and online-only banks: Sugar Land, Texas has 10 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 3.183% 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.

When a Money Market Account Makes Sense

  • Emergency fund with flexibility: You get savings-level yields plus limited check-writing and debit access. Sugar Land, Texas high-yield money market rates currently average 3.183% 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 Sugar Land, Texas institutions keeps idle cash working harder while remaining fully accessible.
  • You prefer banking locally: 26 institutions in Sugar Land, Texas report money market rates to our database.
  • You’re among Sugar Land, Texas’s 19.3% of residents aged 65+ for whom liquid, accessible savings complement fixed-income holdings.
  • No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.

Consider an Alternative If…

Sugar Land, Texas Financial Snapshot

Local demographics and economic context for savers . Source: U.S. Census Bureau

Population 65+
19.3%
National avg: 17.3%
Median Individual Earnings
$63,644
National avg: $47,340
Poverty Rate
5.5%
National avg: 11.1%
Unemployment Rate
4.1%
National avg: 4.8%
MMA Earnings on 10% of Salary
$203/yr
At TX HY MMA avg 3.183% APY

19.3% of residents are 65 or older, in line with the national average of 17.3%. At today’s TX high-yield money market average of 3.183%, saving 10% of the local median salary ($6,364/year) would earn an additional $203 annually in interest.

Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.

Money Market Accounts vs. Other Sugar Land, Texas Options

How money market deposit accounts compare to other deposit products available at banks and credit unions in Sugar Land, Texas.

Feature Money Market High-Yield Savings Standard Savings CD (12-Month)
Current TX Avg APY 3.183% View Savings Rates 0.810%(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 Sugar Land, Texas averages tracked in our database as of October 28, 2026. Rates are variable and may differ by institution. See individual product pages for full details.

Sugar Land, 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 Sugar Land, Texas rate on the right to apply it instantly. Interest compounds monthly.

Interest Earned
$0
Total Contributions
$0
Ending Balance
$0

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.

Current Sugar Land, Texas Money Market Rates

Verified October 27, 2026, click a rate to use it
Rates shown are actual verified offers available in Sugar Land, Texas and statewide averages from our monitoring database. See the full rate table above for all offers.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Sugar Land, 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 Sugar Land, 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 Sugar Land, 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.

Disclaimer: Interest rates are variable and subject to change without notice. Verify current offers directly with the institution’s official website. Last Updated and Verified: October 27, 2026

Frequently Asked Questions about Money Market Accounts in Sugar Land, Texas

What are money market account rates in Sugar Land, Texas today?

Sugar Land, Texas money market account rates range from 0.25% to 4.00% APY, verified by MonitorBankRates as of October 27, 2026. Top rates include 4.00% APY at Frost Bank (Personal Money Market Account - 90 Day), 3.85% at Sunflower Bank (Velocity Money Market) and 3.65% at Bank of the Orient (Money Market Promotion), compared with the MonitorBankRates national high yield money market average of 3.09% APY.

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 Sugar Land, 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 Sugar Land, 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 Sugar Land, 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 Sugar Land, 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.

Can I lose money in a Money Market Account?

No. You cannot lose your principal in a money market deposit account as long as the bank is FDIC insured or the credit union is NCUA insured, up to $250,000 per depositor. This makes MMAs different from money market mutual funds, which are investments and are not federally insured.

What is the difference between a Money Market Account and a Money Market Fund?

A Money Market Account (MMA) is a federally insured bank or credit union deposit account. A money market fund is a mutual fund investment offered by brokerages that is not FDIC or NCUA insured and can, in rare cases, lose value. The rates on this page are for insured money market deposit accounts.

Do I have to pay taxes on money market account interest?

Yes. Interest earned on money market deposit accounts is taxable income in the U.S. You will typically receive a Form 1099-INT if you earn more than $10 in interest annually.

Are online banks better than local banks in Sugar Land, Texas for money market accounts?

Online banks often offer higher money market APYs because they have lower overhead costs. However, local banks and credit unions in Sugar Land, Texas offer in-person service and may waive minimum balance requirements for existing customers, which some savers prefer.

Best Money Market Rates in Sugar Land, Texas

Here are some of the highest money market account APYs currently available in Sugar Land, Texas and the surrounding area:
  • Frost Bank
    Personal Money Market Account - 90 Day: 4.00% APY
  • Sunflower Bank
    Velocity Money Market: 3.85% APY
  • Bank of the Orient
    Money Market Promotion: 3.65% APY
  • Nizari Progressive Federal Credit Union
    Money Market Account: 3.61% APY
  • VirtualBank
    eMoney Market Special: 3.51% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Sugar Land, Texas. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: October 27, 2026

Sugar Land, Texas Rates & Resources