Village Mills, Texas Money Market Rates - September 2026
Brian McKay
Brian McKay
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Current Village Mills, Texas and the surrounding area money market deposit account rates include Firstmark Credit UnionFirstmark Credit UnionA+5.0 ★Texas Ratio: 4.27%Real return: +2.44%APY minus 2.8% CPI (February 2026) On Your Mark Money Market Accounts at 5.24% APY, Capitol Credit UnionCapitol Credit UnionA+5.0 ★Texas Ratio: 0.95%Real return: +2.20%APY minus 2.8% CPI (February 2026) Plus Money Market Capitol Account at 5.00% APY, Chartway Credit UnionChartway Credit UnionA5.0 ★Texas Ratio: 10.46%Real return: +1.20%APY minus 2.8% CPI (February 2026) Money Market Plus at 4.00% APY, FNB of Lake JacksonFNB of Lake JacksonD1.0 ★Texas Ratio: 0.00%Real return: +1.20%APY minus 2.8% CPI (February 2026) Business Money Market Account at 4.00% APY, and Mobility Credit UnionMobility Credit UnionA5.0 ★Texas Ratio: 10.05%Real return: +1.20%APY minus 2.8% CPI (February 2026) Money Market at 4.00% APY. Money market rates as of September 12, 2026 according to verified data from MonitorBankRates.
Village Mills is a smaller community with no bank or credit union branches currently in our database. 150 institutions serving the Texas area are available to Village Mills residents, with money market rates as high as 5.24% APY from Firstmark Credit Union. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Village Mills, Texas and surrounding area. Last Updated and Verified: September 12, 2026
Compare the Best Money Market Rates Today in Village Mills, Texas & the Surrounding Area
APY is Annual Percentage Yield. Accurate as of 09/10/2026. Subject to change without notice. Compounded monthly. A minimum balance is required to open this account. Fees or other conditions could reduce the earnings on the account.
*** Rates subject to change
Qualifications Required: Maintain any personal or business checking account and an average daily balance (ADB) of $10,000 or more in the Money Market Plus account during the calendar month. Both the checking account and the Money Market Plus account must be under the same member number.; Relationship Bonus: 0.25% APY included. To earn the Money Market Plus Relationship Bonus Rate, you must maintain any personal or business checking account and an average daily balance (ADB) of $10,000 or more in the Money Market Plus account during the calendar month. Both the checking account and the Money Market Plus account must be under the same member number. The monthly qualification cycle is defined as the period beginning on the first calendar day of the month and ending on the last calendar day of the month. Fees may reduce earnings on the account. Certain conditions and restrictions may apply. Rates are subject to change without notice. Please refer to the Membership Agreement and Disclosures for terms and conditions applicable to specific accounts.
This account provides you the earning power of an investment account while still giving you access to your funds.
Promo
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.
Qualifications Required: Maintain any personal or business checking account and an average daily balance (ADB) of $10,000 or more in the Money Market Plus account during the calendar month. Both the checking account and the Money Market Plus account must be under the same member number.; Relationship Bonus: 0.25% APY included. To earn the Money Market Plus Relationship Bonus Rate, you must maintain any personal or business checking account and an average daily balance (ADB) of $10,000 or more in the Money Market Plus account during the calendar month. Both the checking account and the Money Market Plus account must be under the same member number. The monthly qualification cycle is defined as the period beginning on the first calendar day of the month and ending on the last calendar day of the month. Fees may reduce earnings on the account. Certain conditions and restrictions may apply. Rates are subject to change without notice. Please refer to the Membership Agreement and Disclosures for terms and conditions applicable to specific accounts.
NEW MONEY ONLY
On balance above $350,000
Relationship Money Market; This is a 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. Stated offer is valid only for Domestic Personal Account customers. Fees could reduce earnings. Please refer to Personal Checking and Savings Accounts brochure for additional information on benefits and requirements of this particular account. For other applicable fees please refer to the Personal Checking and Savings Accounts brochure and the Schedule of Fees . Customer must be a citizen or resident alien of the United States (U.S.) with a valid U.S. Taxpayer Identification Number.
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 in effect for that account. Fees may reduce earnings. Additional terms and conditions apply. This promotional Money Market Account is available to new clients who have never held an account with BankUnited, N.A., or to existing clients who deposit new funds not currently on deposit with us. New funds are 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.
This is a variable rate account. Dividend rates and balance tiers may change at any time without prior notice. Dividends on Money Market Accounts will be compounded monthly and credited each calendar month. APY is accurate as of the last dividend declaration date. Fees could reduce the earnings on the account.
New money only
$15,000+; Intro rate
Variable-rate money market account based on your daily balance. Balances under the stated minimum earn 0.30% APY. No minimum balance fee. Rate may change without notice at the sole discretion of the Credit Union. Dividends are paid at the rate corresponding to each day's full balance. The APY on the account is reduced to 0.15% APY if on any day the end of day balance falls below $20,000.00. The minimum required to earn any dividend is $0.01. Membership subject to approval.
Federal Funds Effective Rate minus 0.25%
Balance: $2,500,000.00 to $4,999,999.99
Balance: $25,000.00 to $2,000,000.99; With Huntington Perks Checking**
Balance: $25,000.00 to $2,000,000.99; Non-Relationship Rate
Tier 3
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.
Accurate as of 08/13/2026
Rates current as of August 3, 2026.
This is a variable-rate money market account based on your daily balance. Rate may change without notice at the sole discretion of the Credit Union. Dividends are paid at the rate corresponding to each day's full balance. The APY on the account is reduced to 0.15% APY if on any day the end of day balance falls below $20,000.00. The minimum required to earn any dividend is $0.01. Membership subject to approval.
Balance Tier: $500,000 +; Minimum to Avoid Service Charge: $0
Balance: $100,000 - $249,999.99; Federal Funds Effective Rate minus 0.50%
This is a variable-rate money market account based on your daily balance. Rate may change without notice. Dividends are paid at the rate corresponding to each day's full balance. The minimum required to earn any dividend is $0.01. Rates are subject to change without notice.
Under $100,000
$100,000
Balances $500,000 and above
Balances $250,000 and above
On balances of $25,000+
Compounded: Daily, Credited: Monthly
Balance: $500,000.00-$999,999.99
($100,000 and up); Rates are calculated on each level accordingly. Balances are calculated on an average daily balance. Any annual percentage yield (APY) assumes dividends will remain on deposit for at least one year. A withdrawal will reduce earnings. APY: Annual Percentage Yield. Fee could reduce earnings. Penalties may be imposed for early withdrawal.
$2,000,000 and Over
$2,000,000 and Over
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.
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 09/10/2026.
Rates current as of August 3, 2026.
LIMITED TIME
New Account Promotional Rate on your entire balance for 6 months. After the Promotional Period, APY will be the then current standard APY for the Maximum Money Market Account applicable tier. Promotion may end at any time.
$25,000,000 or more
Balance: $500,000.00-$999,999.99; Compounded: Daily, Credited: Monthly
Balance: $250,000 - $499,999.99
Balance: $1,000,000 - $4,999,999
Balance: $100,000 - $249,999.99
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.
Village Mills, TX Money Market Rate Trends
Compare local Village Mills, 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 0.035 points over the past 7 days to 3.051% APY.
Texas standard MMA rates fell 0.192 points over the past 7 days to 0.750% APY.
Village Mills, 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 3.051% 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 60–90 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 Village Mills, Texas.
Money Market Account Earnings in Village Mills, 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 (3.051% APY) | Monthly Earnings | Standard MMA (0.750% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $305.07 / year | $25.42 | $74.95 / year | $6.25 |
| $25,000 | $762.68 / year | $63.56 | $187.38 / year | $15.62 |
| $50,000 | $1,525.35 / year | $127.11 | $374.75 / year | $31.23 |
| $100,000 | $3,050.70 / year | $254.23 | $749.50 / year | $62.46 |
| 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: Village Mills, Texas money market rate averages as of September 13, 2026. | ||||
Available in Village Mills, Texas Area
About Our Village Mills, Texas Money Market Rate Database
MonitorBankRates tracks money market rate offers from 64 banks and credit unions available to Village Mills, Texas residents via statewide and national offers. No branch locations physically in Village Mills are currently in our database, but all listed offers are open to Village Mills depositors. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), 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: Firstmark Credit Union offers a money market account at 5.24% APY. Use the rate table above to compare all current offers in Village Mills, Texas.
How to Find the Best Money Market Rates in Village Mills, Texas
What to compare when shopping for a money market account in Village Mills, Texas
To find the best money market APYs in Village Mills, Texas, start with credit unions and online-only banks: Village Mills, Texas has 30 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 3.051% but top local institutions are offering as high as 5.24%, 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. Village Mills, Texas high-yield money market rates currently average 3.051% 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 Village Mills, Texas institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 64 institutions in Village Mills, 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 → Village Mills, Texas CD rates
- You don’t need check writing and want a lower minimum → Village Mills, Texas savings rates
- You need daily transaction access → Village Mills, Texas checking rates
Texas Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau (state-level data shown; city data not available)
13.4% of residents are 65 or older, below the national average of 17.3%. At today’s TX high-yield money market average of 3.051%, saving 10% of the local median salary ($4,407/year) would earn an additional $134 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Village Mills, Texas Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Village Mills, Texas.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current TX Avg APY | 3.051% | View Savings Rates | 0.750%(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 | 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 Village Mills, Texas averages tracked in our database as of September 13, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Village Mills, 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 Village Mills, 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 Village Mills, Texas
At TX’s top money market rate of 5.24% from Firstmark Credit Union, a $10,000 deposit earns $524 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Village Mills, Texas earner is roughly $11,000. At 3.051% APY in a money market account, saving $920/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountTexas’s high-yield money market average is 3.051% 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 Village Mills, Texas earner makes $44,072/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.051% APY.
Retirement PlannerA $25,000 money market balance earning 3.051% APY grows to roughly $45,599 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 Village Mills, 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 Village Mills, 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 Village Mills, 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 Village Mills, Texas
What is a Money Market Account (MMA)?
Are Money Market accounts in Village Mills, Texas safe?
How often do MMA rates change in Village Mills, Texas?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Village Mills, 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 Village Mills, Texas for money market accounts?
Best Money Market Rates in Village Mills, Texas
- Firstmark Credit Union
On Your Mark Money Market Accounts: 5.24% APY - Capitol Credit Union
Plus Money Market Capitol Account: 5.00% APY - Chartway Credit Union
Money Market Plus: 4.00% APY - FNB of Lake Jackson
Business Money Market Account: 4.00% APY - Mobility Credit Union
Money Market: 4.00% APY
Village Mills, Texas Rates & Resources
