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Texas Savings Rate Trends

Amarillo, Texas (TX) Savings Rates - March 2026

The best savings rates for Amarillo, Texas and the surrounding area include Amarillo National BankAmarillo National Bank410 S Taylor St, Amarillo, TX 79101A5.0 ★Texas Ratio: 13.79% Savings at 3.00% APY, FNB of HerefordFNB of Hereford8700 Fm 2219, Amarillo, TX 79119B+4.7 ★Texas Ratio: 18.40% Regular Savings at 1.10% APY, City Federal Credit UnionCity Federal Credit Union901 S LINCOLN ST, AMARILLO, TX 79101 3637A5.0 ★Texas Ratio: 8.82% IRA Savings at 1.00% APY, Interstate BankInterstate Bank5085 S Coulter St, Amarillo, TX 79119C+4.1 ★Texas Ratio: 26.06% Statement Savings-Personal at 0.95% APY, and Alliance Credit UnionAlliance Credit Union9404 Hillside Rd, Amarillo, TX 79119A5.0 ★Texas Ratio: 6.79% IRA Shares at 0.75% APY.

To see how these savings rates in Amarillo, Texas, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Amarillo, Texas (TX) are continually updated — we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Amarillo, Texas and the surrounding area. Last Updated and Verified: March 20, 2026

Amarillo, TX Savings Rate Trends

Compare local Amarillo, TX savings rate quotes against the statewide average

Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Texas Savings Trends →
High-Yield Savings — TX Avg
1.177%

Texas high-yield savings rates currently average 1.177% APY based on data from institutions in our monitoring network.

Standard Savings — TX Avg
0.539%
▲ 0.089 from last week

Texas standard savings rates rose 0.089 points this week to 0.539% APY, up from 0.450% last week.

As of Mar 20, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Compare the Best Savings Rates in Amarillo, Texas & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Amarillo National Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.79%
410 S Taylor St, Amarillo, TX 79101
Savings
3.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

Amarillo National Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.79%
410 S Taylor St, Amarillo, TX 79101
Savings
1.90%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

Amarillo National Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.79%
410 S Taylor St, Amarillo, TX 79101
Savings
1.35%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

Amarillo National Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.79%
410 S Taylor St, Amarillo, TX 79101
Savings
1.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

FNB of Hereford
Institution Rating:
B+4.7 ★Texas Ratio: 18.40%
8700 Fm 2219, Amarillo, TX 79119
Regular Savings
1.10%
$0
Rate1.10%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

City Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
901 S LINCOLN ST, AMARILLO, TX 79101 3637
IRA Savings
1.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Interstate Bank
Institution Rating:
C+4.1 ★Texas Ratio: 26.06%
5085 S Coulter St, Amarillo, TX 79119
Statement Savings-Personal
0.95%
$200
Rate0.95%
Min Deposit$200
Min Balance
UpdatedMar 20, 2026
Details

Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
9404 Hillside Rd, Amarillo, TX 79119
IRA Shares
0.75%
$0
Rate0.75%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

First United Bank Dimmitt, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
One First United Bank Parkway, Amarillo, TX 79119
Foundation Savings
0.65%
$0
Rate0.65%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

The Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
7200 Hillside Rd, Amarillo, TX 79109 7460
Savings Account
0.50%
$25
Rate0.00%
Min Deposit$25
Min Balance
UpdatedMar 17, 2026
Details

City Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
901 S LINCOLN ST, AMARILLO, TX 79101 3637
Special Savings
0.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

City Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
901 S LINCOLN ST, AMARILLO, TX 79101 3637
Primary Savings
0.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Education Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
4400 W Interstate 40, Amarillo, TX 79106 5940
H&H Legacy Super Share Account
0.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 13, 2026
Details

Monthly

Santa Fe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1422 S HARRISON ST, AMARILLO, TX 79101
Regular Savings
0.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 11, 2026
Details

As High As

Santa Fe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1422 S HARRISON ST, AMARILLO, TX 79101
Special Savings
0.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 11, 2026
Details

As High As; $0 minimum balance

Amarillo Postal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2400 HOBBS RD, AMARILLO, TX 79109 1506
Regular Share Accounts
0.40%
$25
Rate0.40%
Min Deposit$25
Min Balance
UpdatedMar 16, 2026
Details

Education Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
4400 W Interstate 40, Amarillo, TX 79106 5940
Share Savings
0.30%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 13, 2026
Details

Minimum earning balance and up

Access Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
6401 Bell St, Amarillo, TX 79109
Share Accounts
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

Deposits of: $50,000 & Over

Santa Fe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1422 S HARRISON ST, AMARILLO, TX 79101
Savings Accounts
0.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 11, 2026
Details

As High As

Santa Fe Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.54%
1422 S HARRISON ST, AMARILLO, TX 79101
Special Savings
0.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 11, 2026
Details

As High As

Education Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
4400 W Interstate 40, Amarillo, TX 79106 5940
Share Savings
0.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 13, 2026
Details

Minimum earning balance up to $49,999.99

The Peoples Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.00%
7200 Hillside Rd, Amarillo, TX 79109 7460
Savings Account
0.25%
$25
Rate0.00%
Min Deposit$25
Min Balance
UpdatedMar 17, 2026
Details

Access Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
6401 Bell St, Amarillo, TX 79109
Share Accounts
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

Deposits of: $20,000-$49,999

Education Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
4400 W Interstate 40, Amarillo, TX 79106 5940
Deposit Savings
0.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 13, 2026
Details

Minimum earning balance $25.00

Education Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
4400 W Interstate 40, Amarillo, TX 79106 5940
Health Savings
0.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 13, 2026
Details

Education Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
4400 W Interstate 40, Amarillo, TX 79106 5940
Share Savings
0.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 13, 2026
Details

Minimum earning balance up to $24,999.99

Amarillo Postal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2400 HOBBS RD, AMARILLO, TX 79109 1506
Regular Share Accounts
0.20%
$25
Rate0.20%
Min Deposit$25
Min Balance
UpdatedMar 16, 2026
Details

Access Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.15%
6401 Bell St, Amarillo, TX 79109
Share Accounts
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

Deposits of: $5.00-$9,999

Education Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
4400 W Interstate 40, Amarillo, TX 79106 5940
Additional Savings
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 13, 2026
Details

Education Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
4400 W Interstate 40, Amarillo, TX 79106 5940
Share Savings
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 13, 2026
Details

Minimum earning balance up to $4,999.99

Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
9404 Hillside Rd, Amarillo, TX 79119
Savings
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

Education Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
4400 W Interstate 40, Amarillo, TX 79106 5940
Additional Savings
0.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 13, 2026
Details

Amarillo Postal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2400 HOBBS RD, AMARILLO, TX 79109 1506
Regular Share Accounts
0.10%
$25
Rate0.10%
Min Deposit$25
Min Balance
UpdatedMar 16, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2000 S Washington St, Amarillo, TX 79109
Retirement High Yield Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Education Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
4400 W Interstate 40, Amarillo, TX 79106 5940
Additional Savings
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 13, 2026
Details

City Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
901 S LINCOLN ST, AMARILLO, TX 79101 3637
Primary Savings
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

City Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
901 S LINCOLN ST, AMARILLO, TX 79101 3637
Special Savings
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 16, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2000 S Washington St, Amarillo, TX 79109
Way2SaveĀ® Savings
0.01%
$25
Rate0.01%
Min Deposit$25
Min Balance
UpdatedMar 15, 2026
Details

How to avoid the $5 monthly service fee

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2000 S Washington St, Amarillo, TX 79109
Way2Save Savings
0.01%
$25
Rate0.01%
Min Deposit$25
Min Balance
UpdatedMar 15, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2000 S Washington St, Amarillo, TX 79109
Platinum Savings
0.01%
$25
Rate0.01%
Min Deposit$25
Min Balance
UpdatedMar 15, 2026
Details

Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.

Education Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
4400 W Interstate 40, Amarillo, TX 79106 5940
Share Savings
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 13, 2026
Details

Minimum earning balance up to $99.99

Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
Building 239, Sheppard Afb, TX 76311
Cents-able Savings
7.00%
$5
Rate7.00%
Min Deposit$5
Min Balance
UpdatedMar 16, 2026
Details

Extraco Banks National Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
800 E Main St, Gatesville, TX 76528
First Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Qualifying balance up to $5,000.00

Keystone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
11500 Bee Caves Rd Ste 150, Austin, TX 78738
Keystone Rewards Savings
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Qualifying balance up to $100,000.00

Keystone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
11500 Bee Caves Rd Ste 150, Austin, TX 78738
Keystone Rewards Savings*
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

First Foundation Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
1601 Preston Rd, Plano, TX 75093
Online Savings
3.75%
$1,000
Rate0.00%
Min Deposit$1,000
Min Balance
UpdatedMar 15, 2026
Details

OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
2449 Walnut Hill Ln, Dallas, TX 75229
Regular Savings / Business Savings
3.75%
$0
Rate3.70%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Independent Bank Memphis, TN
Institution Rating:
A5.0 ★Texas Ratio: 9.65%
3010 Lyndon B Johnson Fwy, Dallas, TX 75234
Savings Special
3.70%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 20, 2026
Details

New money only. Fees may reduce earnings. Offer applies to personal accounts only.

Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
2000 Mckinney Ave, Dallas, TX 75201
Star High-Yield Savings Account
3.65%
$0
Rate3.58%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Only available in Texas

Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
2000 Mckinney Ave, Dallas, TX 75201
Star High Yield Savings Account
3.65%
$0
Rate3.58%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Only available in Texas

Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
2000 Mckinney Ave, Dallas, TX 75201
Star Elite Savings
3.65%
$0
Rate3.58%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Citizens National Bank Cameron, TX
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
118 S Houston Ave, Cameron, TX 76520
Advantage Plus Savings Account
3.50%
$0
Rate3.45%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Citizens National Bank Cameron, TX
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
118 S Houston Ave, Cameron, TX 76520
Advantage Plus Savings
3.50%
$0
Rate3.45%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
623 Elm St, Graham, TX 76450
Money Market Savings Account
3.40%
$2,500
Rate3.35%
Min Deposit$2,500
Min Balance
UpdatedMar 18, 2026
Details

GNB, Gilmer, Texas
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
713 Us Highway 271 N, Gilmer, TX 75644
Savings Account
3.31%
$50
Rate0.00%
Min Deposit$50
Min Balance
UpdatedMar 20, 2026
Details

Daily compounding interest. Fees could reduce earnings on the account. Additional terms and conditions may apply, contact bank for details.

Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
1177 West Loop S, Houston, TX 77027
Digital High-Yield Savings
3.30%
$50
Rate3.25%
Min Deposit$50
Min Balance
UpdatedMar 18, 2026
Details

Woori America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
2405 S Stemmons Fwy Ste 102 105, Lewisville, TX 75067
WooriWON Savings
3.25%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 15, 2026
Details

Online-only savings account

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
100 E Avenue G, Silsbee, TX 77656
PNC High Yield SavingsĀ®
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Brenham National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2211 S Day St, Brenham, TX 77833
Starter Savings - 12 mo
3.20%
$1,000
Rate3.16%
Min Deposit$1,000
Min Balance
UpdatedMar 18, 2026
Details

Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
3775 Stagg Dr, Beaumont, TX 77701
360 Performance Savings
3.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

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.

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.

Methodology & Data Sources

Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Amarillo, 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 savings 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 Amarillo, Texas. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in TX.

Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.

Frequently Asked Questions about Savings Accounts in Amarillo, Texas

What is a High-Yield Savings Account (HYSA)?

A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Texas, help your money grow faster through a higher APY.

Are savings accounts in Amarillo, 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 savings rates change in Amarillo, Texas?

Savings 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.

Do I need a minimum deposit to open a savings account?

It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Amarillo, Texas may require $25–$100 to open an account.

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

Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.

Are online banks better than local banks in Amarillo, Texas?

Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Amarillo, Texas offer in-person customer service, which some customers prefer.

How do I open a savings account in Amarillo, Texas?

You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.

Best Savings Rates in Amarillo, Texas

Here are recent savings rates observed in Amarillo, Texas and the surrounding area:
  • Amarillo National Bank
    Savings — 3.00% APY
  • FNB of Hereford
    Regular Savings — 1.10% APY
  • City Federal Credit Union
    IRA Savings — 1.00% APY
  • Interstate Bank
    Statement Savings-Personal — 0.95% APY
  • Alliance Credit Union
    IRA Shares — 0.75% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Amarillo, Texas. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 20, 2026