Conroe, Texas (TX) Savings Rates - March 2026
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The savings rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
The best savings rates for Conroe, Texas and the surrounding area include PNC BankPNC Bank1000 N Loop 336 W, Conroe, TX 77301A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, 5Point Credit Union5Point Credit Union3570 FM 1488 Rd Ste 700, Conroe, TX 77384 3806A5.0 ★Texas Ratio: 6.33% High-Yield Savings Account at 3.00% APY, Hancock Whitney BankHancock Whitney Bank2101 N Loop 336 W, Conroe, TX 77304A+5.0 ★Texas Ratio: 2.59% Freestyle Savings Account at 2.75% APY, Smart Financial Credit UnionSmart Financial Credit Union3201 W Davis St, Conroe, TX 77304 2039A5.0 ★Texas Ratio: 10.10% IRA (Savings) at 1.75% APY, and Frost BankFrost Bank2200 N Frazier St, Conroe, TX 77303A+5.0 ★Texas Ratio: 2.87% Savings Money Market at 1.50% APY. Savings rates as of March 25, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Conroe, 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 Conroe, Texas (TX) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Conroe, Texas and the surrounding area. Last Updated and Verified: March 25, 2026
Compare the Best Savings Rates in Conroe, Texas & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
1000 N Loop 336 W, Conroe, TX 77301
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
3570 FM 1488 Rd Ste 700, Conroe, TX 77384 3806
High-Yield Savings Account
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Qualifying balance up to $100,000.00
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
3570 FM 1488 Rd Ste 700, Conroe, TX 77384 3806
First Savings Account
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Qualifying balance up to $5,000.00
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
2101 N Loop 336 W, Conroe, TX 77304
Freestyle Savings Account
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
2101 N Loop 336 W, Conroe, TX 77304
Freestyle Savings Account
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
2101 N Loop 336 W, Conroe, TX 77304
Freestyle Savings Account
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
3201 W Davis St, Conroe, TX 77304 2039
IRA (Savings)
1.75%
$0
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2200 N Frazier St, Conroe, TX 77303
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%
2200 N Frazier St, Conroe, TX 77303
Savings Money Market
1.40%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
3201 W Davis St, Conroe, TX 77304 2039
IRA (Savings)
1.25%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2200 N Frazier St, Conroe, TX 77303
Savings Money Market
1.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
3201 W Davis St, Conroe, TX 77304 2039
IRA (Savings)
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2200 N Frazier St, Conroe, TX 77303
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%
2200 N Frazier St, Conroe, TX 77303
Savings Money Market
0.90%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
670 FM 3083 Rd Ste 201, Conroe, TX 77301
Share Savings Account
0.80%
$0
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
3201 W Davis St, Conroe, TX 77304 2039
IRA (Savings)
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2200 N Frazier St, Conroe, TX 77303
Savings Money Market
0.70%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
3201 W Davis St, Conroe, TX 77304 2039
IRA (Savings)
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
670 FM 3083 Rd Ste 201, Conroe, TX 77301
Share Savings Account
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
3201 W Davis St, Conroe, TX 77304 2039
IRA (Savings)
0.50%
$100
▼
Rate0.50%
Min Deposit$100
Min Balance—
UpdatedMar 21, 2026
Details
$100 or $50 w/ payroll deduction-Direct Deposit
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
670 FM 3083 Rd Ste 201, Conroe, TX 77301
Share Savings Account
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX 77385
Regular Share Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
ECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.62%
16597 Interstate 45 S, Conroe, TX 77385
Youth Share Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
670 FM 3083 Rd Ste 201, Conroe, TX 77301
Savings Account
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
3201 W Davis St, Conroe, TX 77304 2039
Business Share (Savings)
0.20%
$5
▼
Rate0.20%
Min Deposit$5
Min Balance—
UpdatedMar 21, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
3201 W Davis St, Conroe, TX 77304 2039
Share (Savings)
0.20%
$5
▼
Rate0.20%
Min Deposit$5
Min Balance—
UpdatedMar 21, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
3201 W Davis St, Conroe, TX 77304 2039
Share Savings
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
3570 FM 1488 Rd Ste 700, Conroe, TX 77384 3806
Business Savings
0.20%
$5
▼
Rate0.20%
Min Deposit$5
Min Balance—
UpdatedMar 24, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
3570 FM 1488 Rd Ste 700, Conroe, TX 77384 3806
IRA Savings
0.20%
$100
▼
Rate0.20%
Min Deposit$100
Min Balance—
UpdatedMar 24, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
3570 FM 1488 Rd Ste 700, Conroe, TX 77384 3806
Share Savings
0.20%
$5
▼
Rate0.20%
Min Deposit$5
Min Balance—
UpdatedMar 24, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
670 FM 3083 Rd Ste 201, Conroe, TX 77301
IRA Savings Account
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Balances $500.00 and over
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
3570 FM 1488 Rd Ste 700, Conroe, TX 77384 3806
Rewards Share Draft (Checking)
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
VeraBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
200 River Pointe Dr, Conroe, TX 77304
Savings Accounts
0.10%
$25
▼
Rate0.10%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
3570 FM 1488 Rd Ste 700, Conroe, TX 77384 3806
50+ Share Draft (Checking)
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
3570 FM 1488 Rd Ste 700, Conroe, TX 77384 3806
Plus Share Draft (Checking)
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
516 W Davis St, Conroe, TX 77301
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%
516 W Davis St, Conroe, TX 77301
Retirement High Yield Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2200 N Frazier St, Conroe, TX 77303
Savings Account
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifying balance up to $14,999.99
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
2101 N Loop 336 W, Conroe, TX 77304
Freestyle Savings Account
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
1000 N Loop 336 W, Conroe, TX 77301
Standard Savings
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
516 W Davis St, Conroe, TX 77301
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
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
1000 N Loop 336 W, Conroe, TX 77301
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%
516 W Davis St, Conroe, TX 77301
Way2Save® Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
$25 minimum opening deposit
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
516 W Davis St, Conroe, TX 77301
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
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
1404 N Lee Trevino Dr, El Paso, TX 79936 6533
MySavings Youth
7.00%
$0
▼
Rate6.77%
Min Deposit$0
Min Balance—
UpdatedMar 25, 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 23, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
2736 Nall St, Port Neches, TX 77651 5204
Sprout Savings Account
5.55%
$5
▼
Rate5.41%
Min Deposit$5
Min Balance—
UpdatedMar 20, 2026
Details
Qualifying balance up to $15,000.00
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
Accelerate It Savings
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Qualifying balance up to $5,000.00
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
Allied Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
909 W Sanford St, ARLINGTON, TX 76012 5032
RoundUp Savings Account
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Allied Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
909 W Sanford St, ARLINGTON, TX 76012 5032
Youth Savings
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Qualifying balance up to $499.99
Texas DPS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
621 W Saint Johns Ave, Austin, TX 78752 2315
Easy Save Savings
5.00%
$0
▼
Rate4.91%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Qualifying balance up to $500.00
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 22, 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 21, 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 21, 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 21, 2026
Details
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 21, 2026
Details
Only available in Texas
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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.
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.
Conroe, TX Savings Rate Trends
Compare local Conroe, 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.
High-Yield Savings — TX Avg
0.772%
▼ 2.148 from last week
Texas high-yield savings rates fell 2.148 points this week to 0.772% APY, down from 2.920% last week.
Standard Savings — TX Avg
0.548%
▼ 0.200 from last week
Texas standard savings rates fell 0.200 points this week to 0.548% APY, down from 0.748% last week.
As of Mar 26, 2026 •
Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Conroe, 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 Conroe, 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 Conroe, 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 Conroe, 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 Conroe, 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 Conroe, 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 Conroe, Texas?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Conroe, Texas offer in-person customer service, which some customers prefer.
How do I open a savings account in Conroe, 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 Conroe, Texas
Here are recent savings rates observed in Conroe, Texas and the surrounding area:
- PNC Bank
PNC High Yield Savings® — 3.25% APY - 5Point Credit Union
High-Yield Savings Account — 3.00% APY - Hancock Whitney Bank
Freestyle Savings Account — 2.75% APY - Smart Financial Credit Union
IRA (Savings) — 1.75% APY - Frost Bank
Savings Money Market — 1.50% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Conroe, Texas. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 25, 2026
