Wichita Falls, Texas money market account rates range from 0.10% to 4.00% APY, verified by MonitorBankRates as of October 19, 2026. Current Wichita Falls, Texas and the surrounding area money market deposit account rates include Texoma Community Credit UnionTexoma Community Credit Union3800 Sheppard Access Rd, Wichita Falls, TX 76306A+5.0 ★Texas Ratio: 4.93%Real return: +0.24%APY minus 2.8% CPI (February 2026) MMA Platinum at 3.04% APY, First United Bank Dimmitt, TXFirst United Bank Dimmitt, TX2904 Garnett Ave, Wichita Falls, TX 76308A+5.0 ★Texas Ratio: 3.01%Real return: -0.80%APY minus 2.8% CPI (February 2026) Performance Money Market at 2.00% APY, Union Square Credit UnionUnion Square Credit Union1401 Holliday St, Wichita Falls, TX 76301 7108B4.5 ★Texas Ratio: 21.22%Real return: -1.04%APY minus 2.8% CPI (February 2026) Money Market at 1.76% APY, Postel Family Credit UnionPostel Family Credit Union4400 Maplewood Ave, Wichita Falls, TX 76308A+5.0 ★Texas Ratio: 1.34%Real return: -2.30%APY minus 2.8% CPI (February 2026) Money Market - Monthly at 0.50% APY, and Frost BankFrost BankA+5.0 ★Texas Ratio: 2.51%Real return: +1.20%APY minus 2.8% CPI (February 2026) Personal Money Market Account at 4.00% APY. Money market rates as of October 19, 2026 according to verified data from MonitorBankRates.
Wichita Falls has 4 local institutions in our database, with money market rates as high as 3.04% APY from Texoma Community Credit Union at 3800 Sheppard Access Rd, Wichita Falls, TX 76306. 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 Wichita Falls, Texas and surrounding area. Last Updated and Verified: October 19, 2026
Money Market - Paid Monthly; Balance: $100,000 and up
Money Market - Paid Monthly; Balance: $50,000 - $99,999
Balance: $500,000.00 >; Rate may change after account is opened
Balance: $500,000.01 and above
Balance: $250,000.00-$499,999.99; Rate may change after account is opened
Balance: $100,000.01 - $500,000.00
Balance: $100,000.00-$249,999.99; Rate may change after account is opened
Balance: $25,000.01 - $100,000.00
Balance: $50,000.00-$99,999.99; Rate may change after account is opened
Balance: $25,000.00 or more; The rate may change after the account is opened.
Balance: $2,500.00 - $25,000.00
Balance: $5,000.00-$24,999.99; The rate may change after the account is opened.
Balance: All Balances
Money Market - Paid Monthly
Balance: $500,000.00 and over; $500,000+
Balance: $1,000,000 and over; Includes 0.25% APY Relationship Bonus (requires personal or business checking and $10,000 ADB in Money Market Plus)
Balance: $24,999.01 & Above
Promo
Annual Percentage Yield accurate as of posting date (12-29-25) and applies to new money deposits only; $100,000.00 minimum balance required to earn stated rate; monthly service charge of $20 if average daily balance below $25,000; fees and/or withdrawals could reduce earnings
Balance: $100,000 and up; $5,000 minimum to open an account; Interest rates are variable and determined daily by One World Bank's discretion
Balance: $3,000,000.00 and above
Balance: $3,000,000.00 and above
Balance: $500,000 - $999,999; Includes 0.25% APY Relationship Bonus (requires personal or business checking and $10,000 ADB in Money Market Plus)
Balance: $100,000 and above; New money only; Minimum opening new money deposit is $100,000
Balance: $250,000 or more; Rate: Federal Funds Effective Rate minus 0.25%; Rates current as of 09/22/26
Balance: $100,000.00 and over
New money only; $50,000 minimum balance; Contact nearest branch for more details
Balance: $13,000,000.01 - & Over
Balance: $100,000.00 and over
Balance: $5,000,000.00 and over
Balance: above $350,000
Balance: $250,000-$499,999
Balance: $4,500,000.01 - & 13,000,000.00
Balance: $500,000 -$999,999.99
Special rate for new accounts opened today; variable, based on account balances, subject to change daily without notice
Balance: $50,000 or more
Balance: $2,500,000.01 - $4,500,000.00
Balance: $100 and over; variable rate account; must open an account by 10/09/2026 to get the promotional rate; stated offer valid for Domestic Personal Account customers
Guaranteed for 6 months; promotional APY applies for the first six months following account opening; applies on all balances; for consumer accounts only; after promotional period converts to standard Money Market account at then-current variable APY; available to new clients or new funds not currently on deposit with BankUnited
Balance: $100,000 - $249,999.99; Tier 2; In-Branch Only; Annual Percentage Yield effective 08/13/2026, compounding monthly
Balance: $250,000 and up; Account is available to all personal and business accounts; Minimum Balance required to open account is $50,000
Balance: $250,000 and greater; Minimum Balance to Earn APY: $250,000.00; Dividends compounded and credited monthly; Dividend period monthly
Dividend Credited/Compounded: Monthly; Accurate as of 09/17/2026; Projected Dividend Date: 10/31/2026
Balance: $100,000 and above; New money only; Minimum opening new money deposit is $100,000
Balance: $1,000,000.00 and over; Rate good for renewing CDs & new money into credit union
Balance: $15,000+; Intro rate
Balance: $500,000.01 - $1,500,000.00
Balance: $100,000 - $499,999.99
Balance: $1,000,000.00 and over; Compounded: Daily; Credited: Monthly
Balance: Over $500,000.01; Posting Frequency: Monthly
Balance: $250,000+; Rates contingent on meeting checking account requirements (Qualifications Required)
Balance: $1,000,000.00 or more
Balance: $1,000,000.00 or more; Rates effective as of 10/01/2026; Tiered rate applies to entire balance; Minimum daily balance $2,500 to earn dividends
Balance: $100,000 - $249,999.99; Rate: Federal Funds Effective Rate minus 0.50%; Rates current as of 09/22/26
Balance: $25,000 to $49,999.99; Rates for ZIP 55402; new clients only; requires deposit of at least $25,000 within 30 days of opening and minimum daily balance of $25,000
Balance: $100,000.00+
Balance: $2,500,000.00 to $4,999,999.99
Interest is compounded daily; No monthly fee; $5 monthly fee if you receive paper statements; Rates effective as of 10/16/2026; Fees may reduce earnings on the account
Balance: $25,000 - $99,999.99
Balance: $100,000.00 and over
Balance: $25,000.00 to $2,000,000.99; Requires open Huntington Perks Checking account; Minimum balance to earn interest is $25,000.00 and must be new money to Huntington; Rates effective as of Wednesday, October 14, 2026
Balance: $25,000.00 to $2,000,000.99; Requires open Huntington Platinum Perks Checking account; Minimum balance to earn interest is $25,000.00 and must be new money to Huntington; Rates effective as of Wednesday, October 14, 2026
Balance: $500,000 and above
Balance: $250,000 and above
Balance: $100,000 - $249,999.99; Minimum Balance to Earn APY: $100,000.00; Dividends compounded and credited monthly; Dividend period monthly
Balance: $750,000.00 to $999,999.99
Balance: $1,000.00 - $99,999.99
Balance: $0 -$24,999.99
Balance: $0 - $99,999.99; Tier 1; In-Branch Only; Annual Percentage Yield effective 08/13/2026, compounding monthly
Balance: $250,000.00 - $499,999.99
Balance: $250,000-$499,999
Balance: $50,000 - $99,999.99; Minimum Balance to Earn APY: $50,000.00; Dividends compounded and credited monthly; Dividend period monthly
On balances of $25,000+; Learn More
Balance: $500,000.00 to $749,999.99
Balance: $20,000.00 and higher; APY reduced to 0.15% if end of day balance falls below $20,000.00; no minimum balance fee
Balance: $500,000 +; Minimum Daily Balance to Earn Dividends: $500,000; Minimum to Avoid Service Charge: $0
Balance: $50,000+
Balance: $1,000.00 - $99,999.99
Balance: $500,000.00 and over
Balance: $100,000-$249,999; Rates contingent on meeting checking account requirements (Qualifications Required)
Balance: $7,500,000 and above; Opening deposit: $2,500; Daily minimum balance $2,500 to obtain APY
Balance: $1,000,000 - Up
Balance: $20,000+; Rate applicable on balances of $20,000.00 and higher; Variable-rate money market based on daily balance; no minimum balance fee
Balance: $20,000+; Rate applicable on balances of $20,000.00 and higher; Variable-rate money market based on daily balance; Dividends paid at the rate for each day's full balance
Balance: $20,000+; Variable-rate money market account based on daily balance; Open at Nearest Branch
Balance: $25,000,000 or more; $500 Minimum to obtain APY disclosed
$500 minimum to obtain APY disclosed; Balance: $25,000,000 or more
Balance: $25,000 - $49,999.99; Minimum Balance to Earn APY: $25,000.00; Dividends compounded and credited monthly; Dividend period monthly
Balance: $500,000 +; Opening Balance: $2,500; Dividend Credited/Compounded: Monthly; Projected Dividend Date: 10/31/2026
Balance: $10,000.00+
Balance: $500,000.00+
Balance: $100,000 +
Balance: $10,000 - $24,999.99; Minimum Balance to Earn APY: $10,000.00; Dividends compounded and credited monthly; Dividend period monthly
Balance: $100,000 to $199,999.99
Balance: $50,000 and higher; LIMITED TIME 6-Month New Account Promotional Rate; applies to entire balance for 6 months with a new account
Balance: $250,000+; Requires Checking with daily average balance of at least $3,000 per month, otherwise 0.50% APY (0.499% Dividend Rate)
Balance: Over $500,000.01; Posting Frequency: Monthly
Balance: $250,000 - $499,999.99; Opening Balance: $2,500; Dividend Credited/Compounded: Monthly; Projected Dividend Date: 10/31/2026
Compare local Wichita Falls, 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 rose 0.016 points over the past 7 days to 3.194% APY.
Texas standard MMA rates fell 0.002 points over the past 7 days to 0.790% APY.
Money market rates move with Federal Reserve policy. Our model uses the current TX high-yield MMA average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Money market account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current TX high-yield money market average of 3.194% 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 Wichita Falls, 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 (3.194% APY) | Monthly Earnings | Standard MMA (0.790% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $319.44 / year | $26.62 | $78.98 / year | $6.58 |
| $25,000 | $798.60 / year | $66.55 | $197.45 / year | $16.45 |
| $50,000 | $1,597.20 / year | $133.10 | $394.90 / year | $32.91 |
| $100,000 | $3,194.40 / year | $266.20 | $789.80 / year | $65.82 |
| 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: Wichita Falls, Texas money market rate averages as of October 19, 2026. | ||||
MonitorBankRates found 4 institutions with branches in Wichita Falls (1 bank, 3 credit unions), plus 61 additional state-chartered and national online institutions available to Wichita Falls 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 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: Texoma Community Credit Union offers a money market account at 3.04% APY. Use the rate table above to compare all current offers in Wichita Falls, Texas.
What to compare when shopping for a money market account in Wichita Falls, Texas
To find the best money market APYs in Wichita Falls, Texas, start with credit unions and online-only banks: Wichita Falls, Texas has 27 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 3.194% Use the table above to find the best available offer.
Unlike a CD, money market rates are variable. Your rate can change at any time with Federal Reserve policy. Also check check-writing and debit card limits: most MMAs allow a set number of withdrawals per month, and exceeding the limit can trigger fees. Review your account periodically to ensure your APY remains competitive.
Local demographics and economic context for savers . Source: U.S. Census Bureau
14.5% of residents are 65 or older, below the national average of 17.3%; a low unemployment rate of 3.4% reflects a strong local economy with solid savings capacity. At today’s TX high-yield money market average of 3.194%, saving 10% of the local median salary ($3,369/year) would earn an additional $108 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
How money market deposit accounts compare to other deposit products available at banks and credit unions in Wichita Falls, Texas.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current TX Avg APY | 3.194% | View Savings Rates | 0.790%(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 Wichita Falls, Texas averages tracked in our database as of October 19, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
See how much a money market account can earn you. Enter your deposit, monthly contribution, and time frame, or click any current Wichita Falls, Texas rate on the right to apply it instantly. Interest compounds monthly.
Assumes monthly compounding and a constant APY for the full period. Money market rates are variable and can change at any time, so actual earnings will differ. Estimates are for informational purposes only.
At TX’s top money market rate of 3.04% from Texoma Community Credit Union, a $10,000 deposit earns $304 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Wichita Falls, Texas earner is roughly $8,400. At 3.194% APY in a money market account, saving $700/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 3.194% 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 Wichita Falls, Texas earner makes $33,698/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.194% APY.
Retirement PlannerA $25,000 money market balance earning 3.194% APY grows to roughly $46,888 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Wichita Falls, 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 Wichita Falls, 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 Wichita Falls, 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.