El Paso, Texas (TX) Savings Rates - April 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 El Paso, Texas and the surrounding area include Chevron Federal Credit UnionChevron Federal Credit Union1404 N Lee Trevino Dr, El Paso, TX 79936 6533A+5.0 ★Texas Ratio: 2.35% MySavings Youth at 7.00% APY, PNC BankPNC Bank7744 N Loop Dr, El Paso, TX 79915A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union1851 N Resler Dr, El Paso, TX 79912B4.4 ★Texas Ratio: 21.76% IRA Savings Account (Traditional, Roth and Coverdell) at 0.30% APY, GECU Federal Credit UnionGECU Federal Credit Union7227 Viscount Blvd, El Paso, TX 79925A5.0 ★Texas Ratio: 6.97% Savings IRA at 0.25% APY, and Nusenda Federal Credit UnionNusenda Federal Credit Union4849 N Mesa St, El Paso, TX 79912A+5.0 ★Texas Ratio: 4.72% Non-Transaction Share/Dividend at 0.25% APY. Savings rates as of April 3, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in El Paso, 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 El Paso, Texas (TX) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in El Paso, Texas and the surrounding area. Last Updated and Verified: April 3, 2026
Compare the Best Savings Rates in El Paso, Texas & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
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
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
7744 N Loop Dr, El Paso, TX 79915
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
1404 N Lee Trevino Dr, El Paso, TX 79936 6533
Primary Share Savings
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1851 N Resler Dr, El Paso, TX 79912
IRA Savings Account (Traditional, Roth and Coverdell)
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
GECU Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.97%
7227 Viscount Blvd, El Paso, TX 79925
Savings IRA
0.25%
$10
▼
Rate0.25%
Min Deposit$10
Min Balance—
UpdatedMar 26, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
4849 N Mesa St, El Paso, TX 79912
Non-Transaction Share/Dividend
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
4849 N Mesa St, El Paso, TX 79912
IRA Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
9993 Kenworthy St, El Paso, TX 79924
Dollar Dog, The Edge & Cha Ching Youth Share/Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Minimum Average Daily Balance of $100 or more:
GECU Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.97%
7227 Viscount Blvd, El Paso, TX 79925
Youth savings accounts
0.15%
$10
▼
Rate0.15%
Min Deposit$10
Min Balance—
UpdatedMar 26, 2026
Details
GECU Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.97%
7227 Viscount Blvd, El Paso, TX 79925
Personal & business savings accounts
0.15%
$10
▼
Rate0.15%
Min Deposit$10
Min Balance—
UpdatedMar 26, 2026
Details
GECU Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.97%
7227 Viscount Blvd, El Paso, TX 79925
Miners Kids Club Youth Savings Account
0.15%
$10
▼
Rate0.00%
Min Deposit$10
Min Balance—
UpdatedMar 26, 2026
Details
A minimum opening deposit of $10 will be funded by GECU at account opening.
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
4849 N Mesa St, El Paso, TX 79912
Transaction Share
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
FIRSTLIGHT
Institution Rating:
A+5.0 ★Texas Ratio: 1.79%
9993 Kenworthy St, El Paso, TX 79924
Share/Savings, Business Share/Savings, Individual Development Account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
4849 N Mesa St, El Paso, TX 79912
Transaction Share
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1851 N Resler Dr, El Paso, TX 79912
eSavings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
2,4
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1851 N Resler Dr, El Paso, TX 79912
Regular Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
2,4
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
1851 N Resler Dr, El Paso, TX 79912
Regular Savings Account
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
221 N Kansas St, El Paso, TX 79901
Retirement High Yield Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
One Source Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.36%
8870 Gazelle Dr, El Paso, TX 79925
Share/Savings Account/Club Accounts
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2301 E Missouri Ave, El Paso, TX 79903
Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
2301 E Missouri Ave, El Paso, TX 79903
Youth Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
7744 N Loop Dr, El Paso, TX 79915
Standard Savings
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
7744 N Loop Dr, El Paso, TX 79915
Standard Savings
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.72%
4849 N Mesa St, El Paso, TX 79912
Non-Transaction Share/Dividend
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Bayer Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.87%
8500 W Bay Rd # 32, Baytown, TX 77523 8727
High Yield savings account
10.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
Qualifying balance up to $1,000.00
Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
Building 239, Sheppard Afb, TX 76311
Cents-able Savings
7.00%
$0
▼
Rate7.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
Minimum Balance to Open Account: $5.00
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 29, 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—
UpdatedApr 2, 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—
UpdatedApr 2, 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 29, 2026
Details
Qualifying balance up to $500.00
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX 77073 5114
Youth Smart Savings
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 28, 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 26, 2026
Details
Qualifying balance up to $5,000.00
Chartway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
9441 FM 1960 Bypass Rd W Ste 100, Humble, TX 77338 4090
Smart Steps Savings
4.50%
$0
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
During the first 6 months after account opening, a promotional APY of 5.00% applies to that portion of the total account balance within the first tier, up to $2,499.99.
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
1021 Central Expy S, allen, TX 75013 2790
Premier Savings
4.50%
$0
▼
Rate4.40%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
1021 Central Expy S, allen, TX 75013 2790
Premier Savings for New Members
4.50%
$0
▼
Rate4.40%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
2601 Network Blvd, Frisco, TX 75034
IRA Savings
4.11%
$0
▼
Rate4.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX 77092
FREEDOM DIRECT SAVINGS
4.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Direct Deposit to a new or existing Justice Federal Checking Account.
Del Rio SP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
106 N Main St, Del Rio, TX 78840
Youth Savings
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 28, 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—
UpdatedApr 3, 2026
Details
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—
UpdatedApr 3, 2026
Details
Qualifying balance up to $100,000.00
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 29, 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 28, 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 28, 2026
Details
Available to applicants with a Texas residential address.
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 28, 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 28, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
7500 San Felipe St, Houston, TX 77063
High-Yield Savings
3.55%
$5,000
▼
Rate0.00%
Min Deposit$5,000
Min Balance—
UpdatedMar 27, 2026
Details
Minimum of $5,000 not currently deposited at Huntington.
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—
UpdatedApr 2, 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—
UpdatedApr 2, 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—
UpdatedApr 2, 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—
UpdatedApr 3, 2026
Details
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 25, 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 29, 2026
Details
$5 monthly maintenance fee waived when average daily balance requirement is met; Optional internet banking access at no additional cost; Manage your savings effortlessly from your smartphone or computer, with 24/7 online access; Move funds smoothly between accounts and automate your savings goals for effortless financial growth; Online Only
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 25, 2026
Details
The MINT National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
1213 Kingwood Dr, Kingwood, TX 77339
ManageMINT Emerald MMA
3.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
The MINT National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
1213 Kingwood Dr, Kingwood, TX 77339
MonuMINT Emerald MMA
3.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details
Coleman County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
610 Wallis Ave, Santa Anna, TX 76878
IRA Savings
3.04%
$100
▼
Rate3.00%
Min Deposit$100
Min Balance—
UpdatedApr 2, 2026
Details
Extraco Banks National Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
800 E Main St, Gatesville, TX 76528
Savings Account
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
PCB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.12%
2144 Royal Ln # 102, Dallas, TX 75229
Your major-milestones savings account
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
American First National Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
1912 Avenue K, Plano, TX 75074
VIP savings account
3.00%
$10,000
▼
Rate0.00%
Min Deposit$10,000
Min Balance—
UpdatedMar 24, 2026
Details
guaranteed through June 30, 2026
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 25, 2026
Details
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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.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for El Paso, 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 El Paso, 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 El Paso, 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 El Paso, 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 El Paso, 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 El Paso, 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 El Paso, Texas?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in El Paso, Texas offer in-person customer service, which some customers prefer.
How do I open a savings account in El Paso, 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 El Paso, Texas
Here are recent savings rates observed in El Paso, Texas and the surrounding area:
- Chevron Federal Credit Union
MySavings Youth — 7.00% APY - PNC Bank
PNC High Yield Savings® — 3.25% APY - UNIFY Financial Federal Credit Union
IRA Savings Account (Traditional, Roth and Coverdell) — 0.30% APY - GECU Federal Credit Union
Savings IRA — 0.25% APY - Nusenda Federal Credit Union
Non-Transaction Share/Dividend — 0.25% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in El Paso, Texas. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: April 3, 2026
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