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Texas Savings Rate Trends

Cedar Park, Texas (TX) Savings Rates - March 2026

The best savings rates for Cedar Park, Texas and the surrounding area include Amplify Credit UnionAmplify Credit Union5001 183A Toll Rd Ste 500, Cedar Park, TX 78613 7903A+5.0 ★Texas Ratio: 2.63% Business High-Yield Savings Account at 4.00% APY, Austin Telco Federal Credit UnionAustin Telco Federal Credit Union511 N Bell Blvd, Cedar Park, TX 78613 2217A+5.0 ★Texas Ratio: 2.16% Share Account at 3.65% APY, Citizens National Bank Cameron, TXCitizens National Bank Cameron, TX14300 Ronald Reagan Blvd, Cedar Park, TX 78641A+5.0 ★Texas Ratio: 1.72% Advantage Plus Savings Account at 3.50% APY, PNC BankPNC Bank1455 E Whitestone Blvd, Cedar Park, TX 78613A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, and Capital One BankCapital One Bank2910 S Lakeline Blvd, Cedar Park, TX 78613A5.0 ★Texas Ratio: 10.41% 360 Performance Savings at 3.20% APY.

To see how these savings rates in Cedar Park, 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 Cedar Park, Texas (TX) are continually updated — we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Cedar Park, Texas and the surrounding area. Last Updated and Verified: March 22, 2026

Cedar Park, TX Savings Rate Trends

Compare local Cedar Park, 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
0.738%
▼ 1.343 from last week

Texas high-yield savings rates fell 1.343 points this week to 0.738% APY, down from 2.081% last week.

Standard Savings — TX Avg
0.571%
▲ 0.228 from last week

Texas standard savings rates rose 0.228 points this week to 0.571% APY, up from 0.343% last week.

As of Mar 23, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Compare the Best Savings Rates in Cedar Park, Texas & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
5001 183A Toll Rd Ste 500, Cedar Park, TX 78613 7903
Business High-Yield Savings Account
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
511 N Bell Blvd, Cedar Park, TX 78613 2217
Share Account
3.65%
$0
Rate3.65%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

Citizens National Bank Cameron, TX
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
14300 Ronald Reagan Blvd, Cedar Park, TX 78641
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%
14300 Ronald Reagan Blvd, Cedar Park, TX 78641
Advantage Plus Savings
3.50%
$0
Rate3.45%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
1455 E Whitestone Blvd, Cedar Park, TX 78613
PNC High Yield Savings®
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
2910 S Lakeline Blvd, Cedar Park, TX 78613
360 Performance Savings
3.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Citizens National Bank Cameron, TX
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
14300 Ronald Reagan Blvd, Cedar Park, TX 78641
Advantage Plus Savings
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Citizens National Bank Cameron, TX
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
14300 Ronald Reagan Blvd, Cedar Park, TX 78641
Advantage Plus Savings Account
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Citizens National Bank Cameron, TX
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
14300 Ronald Reagan Blvd, Cedar Park, TX 78641
Advantage Plus Savings
2.00%
$0
Rate1.98%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Citizens National Bank Cameron, TX
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
14300 Ronald Reagan Blvd, Cedar Park, TX 78641
Advantage Plus Savings Account
2.00%
$0
Rate1.98%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1450 E Whitestone Blvd, Cedar Park, TX 78613
Savings Money Market
1.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1450 E Whitestone Blvd, Cedar Park, TX 78613
Savings Money Market
1.40%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
875 W Whitestone Blvd, Cedar Park, TX 78613
IRA Savings
1.10%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 21, 2026
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1450 E Whitestone Blvd, Cedar Park, TX 78613
Savings Money Market
1.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
875 W Whitestone Blvd, Cedar Park, TX 78613
Thr!ve Savings
1.00%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 21, 2026
Details

Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
875 W Whitestone Blvd, Cedar Park, TX 78613
Dollar Squad Savings
1.00%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 21, 2026
Details

Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
875 W Whitestone Blvd, Cedar Park, TX 78613
cha-ching! Savings
1.00%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 21, 2026
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1450 E Whitestone Blvd, Cedar Park, TX 78613
Savings Money Market
1.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1450 E Whitestone Blvd, Cedar Park, TX 78613
Savings Money Market
0.90%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1450 E Whitestone Blvd, Cedar Park, TX 78613
Savings Money Market
0.70%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1230 E New Hope Dr, Cedar Park, TX 78613
Traditional IRA Savings
0.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1230 E New Hope Dr, Cedar Park, TX 78613
Roth IRA Savings
0.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Randolph Brooks FCU
Institution Rating:
A+5.0 ★
1110 N Bell Blvd, Cedar Park, TX 78613
IRA Savings
0.50%
$1
Rate0.50%
Min Deposit$1
Min Balance
UpdatedMar 21, 2026
Details

Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1230 E New Hope Dr, Cedar Park, TX 78613
Traditional IRA Savings
0.45%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1230 E New Hope Dr, Cedar Park, TX 78613
Roth IRA Savings
0.45%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
511 N Bell Blvd, Cedar Park, TX 78613 2217
HSA Savings Account - Anticipated Dividends
0.40%
$0
Rate0.40%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1230 E New Hope Dr, Cedar Park, TX 78613
Traditional IRA Savings
0.40%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
511 N Bell Blvd, Cedar Park, TX 78613 2217
IRA Savings Account - Anticipated Dividends
0.40%
$0
Rate0.40%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

Citizens National Bank Cameron, TX
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
14300 Ronald Reagan Blvd, Cedar Park, TX 78641
Savings Account
0.40%
$0
Rate0.40%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1230 E New Hope Dr, Cedar Park, TX 78613
Roth IRA Savings
0.40%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1230 E New Hope Dr, Cedar Park, TX 78613
Traditional IRA Savings
0.30%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1230 E New Hope Dr, Cedar Park, TX 78613
Regular Share (Savings) Account
0.30%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
875 W Whitestone Blvd, Cedar Park, TX 78613
Savings
0.30%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 21, 2026
Details

Randolph Brooks FCU
Institution Rating:
A+5.0 ★
1110 N Bell Blvd, Cedar Park, TX 78613
Savings
0.30%
$1
Rate0.30%
Min Deposit$1
Min Balance
UpdatedMar 21, 2026
Details

Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
5001 183A Toll Rd Ste 500, Cedar Park, TX 78613 7903
Share Savings Account
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.18%
1604 E Whitestone Blvd, Cedar Park, TX 78613
Health Savings Account
0.30%
$10
Rate0.00%
Min Deposit$10
Min Balance
UpdatedMar 16, 2026
Details

Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1230 E New Hope Dr, Cedar Park, TX 78613
Roth IRA Savings
0.30%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
3200 E Whitestone Blvd, Cedar Park, TX 78613
Premium Savings
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Calculated daily; paid monthly on balances of $100 or more. Rate is variable and subject to change after account is opened. Fees could reduce earnings on account.

Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
5001 183A Toll Rd Ste 500, Cedar Park, TX 78613 7903
Share Savings Account
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1230 E New Hope Dr, Cedar Park, TX 78613
Regular Share (Savings) Account
0.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
5001 183A Toll Rd Ste 500, Cedar Park, TX 78613 7903
Share Savings Account
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
1230 E New Hope Dr, Cedar Park, TX 78613
Regular Share (Savings) Account
0.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
5001 183A Toll Rd Ste 500, Cedar Park, TX 78613 7903
Share Savings Account
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.18%
1604 E Whitestone Blvd, Cedar Park, TX 78613
Membership Savings
0.10%
$2
Rate0.00%
Min Deposit$2
Min Balance
UpdatedMar 16, 2026
Details

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
511 N Bell Blvd, Cedar Park, TX 78613 2217
Regular Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1450 E Whitestone Blvd, Cedar Park, TX 78613
Savings Account
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Qualifying balance up to $14,999.99

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
1600 N Bell Blvd, Cedar Park, TX 78613 7082
Health Savings Accounts
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
1600 N Bell Blvd, Cedar Park, TX 78613 7082
Share Draft Checking Accounts Daily Balance Method
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
1600 N Bell Blvd, Cedar Park, TX 78613 7082
Share Savings Accounts
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
920 N Lakeline Blvd, Cedar Park, TX 78613
Platinum Savings
0.05%
$25
Rate0.05%
Min Deposit$25
Min Balance
UpdatedMar 22, 2026
Details

Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
920 N Lakeline Blvd, Cedar Park, TX 78613
Retirement High Yield Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
1455 E Whitestone Blvd, Cedar Park, TX 78613
Standard Savings
0.03%
$0
Rate0.03%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
1455 E Whitestone Blvd, Cedar Park, TX 78613
Standard Savings
0.02%
$0
Rate0.02%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
920 N Lakeline Blvd, Cedar Park, TX 78613
Platinum Savings
0.02%
$25
Rate0.02%
Min Deposit$25
Min Balance
UpdatedMar 22, 2026
Details

Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
920 N Lakeline Blvd, Cedar Park, TX 78613
Platinum Savings
0.01%
$25
Rate0.01%
Min Deposit$25
Min Balance
UpdatedMar 22, 2026
Details

Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
920 N Lakeline Blvd, Cedar Park, TX 78613
Way2Save® Savings
0.01%
$25
Rate0.01%
Min Deposit$25
Min Balance
UpdatedMar 22, 2026
Details

$25 minimum opening deposit

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
1600 N Bell Blvd, Cedar Park, TX 78613 7082
Share Savings Accounts
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
1600 N Bell Blvd, Cedar Park, TX 78613 7082
Share Draft Checking Accounts Daily Balance Method
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

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

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 Cedar Park, 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 Cedar Park, 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 Cedar Park, 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 Cedar Park, 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 Cedar Park, 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 Cedar Park, 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 Cedar Park, Texas?

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

How do I open a savings account in Cedar Park, 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 Cedar Park, Texas

Here are recent savings rates observed in Cedar Park, Texas and the surrounding area:
  • Amplify Credit Union
    Business High-Yield Savings Account — 4.00% APY
  • Austin Telco Federal Credit Union
    Share Account — 3.65% APY
  • Citizens National Bank Cameron, TX
    Advantage Plus Savings Account — 3.50% APY
  • PNC Bank
    PNC High Yield Savings® — 3.25% APY
  • Capital One Bank
    360 Performance Savings — 3.20% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Cedar Park, Texas. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 22, 2026