Harlingen, 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 Harlingen, Texas and the surrounding area include PNC BankPNC Bank115 E Van Buren Ave, Harlingen, TX 78550A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, Rally Credit UnionRally Credit Union202 Camelot Drive, Harlingen, TX 78550A+5.0 ★Texas Ratio: 5.21% Liberty Savings at 3.15% APY, Frost BankFrost Bank1514 W Tyler Ave, Harlingen, TX 78550A+5.0 ★Texas Ratio: 2.87% Savings Money Market at 1.50% APY, Members First Credit Union Corpus Christi, TXMembers First Credit Union Corpus Christi, TX722 S Loop 499, Harlingen, TX 78550 2558A+5.0 ★Texas Ratio: 0.91% IRA Savings at 0.90% APY, and Valley Federal Credit UnionValley Federal Credit Union1613 W Filmore Ave, Harlingen, TX 78550 6270A+5.0 ★Texas Ratio: 2.02% Educational IRA Share Account at 0.35% APY. Savings rates as of March 29, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Harlingen, 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 Harlingen, Texas (TX) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Harlingen, Texas and the surrounding area. Last Updated and Verified: March 29, 2026
Compare the Best Savings Rates in Harlingen, 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%
115 E Van Buren Ave, Harlingen, TX 78550
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
202 Camelot Drive, Harlingen, TX 78550
Liberty Savings
3.15%
$0
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
202 Camelot Drive, Harlingen, TX 78550
Checking & Savings Account Bundle
3.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
See Details
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
202 Camelot Drive, Harlingen, TX 78550
Liberty Savings
3.10%
$0
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
202 Camelot Drive, Harlingen, TX 78550
Checking & Savings Account Bundle
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
See Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1514 W Tyler Ave, Harlingen, TX 78550
Savings Money Market
1.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1514 W Tyler Ave, Harlingen, TX 78550
Savings Money Market
1.40%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1514 W Tyler Ave, Harlingen, TX 78550
Savings Money Market
1.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1514 W Tyler Ave, Harlingen, TX 78550
Savings Money Market
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Members First Credit Union Corpus Christi, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
722 S Loop 499, Harlingen, TX 78550 2558
IRA Savings
0.90%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1514 W Tyler Ave, Harlingen, TX 78550
Savings Money Market
0.90%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
202 Camelot Drive, Harlingen, TX 78550
IRA Savings Account
0.90%
$50
▼
Rate0.90%
Min Deposit$50
Min Balance—
UpdatedMar 24, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1514 W Tyler Ave, Harlingen, TX 78550
Savings Money Market
0.70%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1613 W Filmore Ave, Harlingen, TX 78550 6270
Educational IRA Share Account
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1613 W Filmore Ave, Harlingen, TX 78550 6270
IRA Share Account
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1613 W Filmore Ave, Harlingen, TX 78550 6270
Roth IRA Share Account
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Members First Credit Union Corpus Christi, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
722 S Loop 499, Harlingen, TX 78550 2558
Kids Club Savings
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Security First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
2505 W LINCOLN ST, Harlingen, TX 78552
Business Savings
0.25%
$5
▼
Rate0.25%
Min Deposit$5
Min Balance—
UpdatedMar 28, 2026
Details
Security First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.36%
2505 W LINCOLN ST, Harlingen, TX 78552
Regular Share Account
0.25%
$5
▼
Rate0.25%
Min Deposit$5
Min Balance—
UpdatedMar 28, 2026
Details
Members First Credit Union Corpus Christi, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.91%
722 S Loop 499, Harlingen, TX 78550 2558
Share Savings
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
202 Camelot Drive, Harlingen, TX 78550
Business Share Savings
0.25%
$25
▼
Rate0.25%
Min Deposit$25
Min Balance—
UpdatedMar 24, 2026
Details
Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1613 W Filmore Ave, Harlingen, TX 78550 6270
Regular Share Account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Dividends paid on balances over $500.00.
Valley Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1613 W Filmore Ave, Harlingen, TX 78550 6270
Youth Share Account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Dividends paid on balances over $100.00
NAFT Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
134 E Van Buren Ave Ste 102, Harlingen, TX 78550 6863
Savings Account
0.10%
$20
▼
Rate0.10%
Min Deposit$20
Min Balance—
UpdatedMar 24, 2026
Details
Plus a $5 fee
NAFT Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.28%
134 E Van Buren Ave Ste 102, Harlingen, TX 78550 6863
Special Savings & Escrow
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1410 N Ed Carey Dr, Harlingen, TX 78550 8229
Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1514 W Tyler Ave, Harlingen, TX 78550
Savings Account
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Qualifying balance up to $14,999.99
Security Service Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.04%
1410 N Ed Carey Dr, Harlingen, TX 78550 8229
Youth Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1821 S 77 Sunshine Strip, Harlingen, TX 78550
Retirement High Yield Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
115 E Van Buren Ave, Harlingen, TX 78550
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%
115 E Van Buren Ave, Harlingen, TX 78550
Standard Savings
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Rally Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.21%
202 Camelot Drive, Harlingen, TX 78550
Liberty Savings
0.01%
$500
▼
Rate0.01%
Min Deposit$500
Min Balance—
UpdatedMar 24, 2026
Details
Non-Qualified Tier
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
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
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
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
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
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
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
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
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
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.
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 27, 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 27, 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 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 Elite Savings
3.65%
$0
▼
Rate3.58%
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
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 28, 2026
Details
Available to applicants with a Texas residential address.
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
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 25, 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 25, 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 25, 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 26, 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 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
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Balances $500,000 and above
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
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
Balances $250,000 and above
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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 Harlingen, 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 Harlingen, 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 Harlingen, 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 Harlingen, 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 Harlingen, 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 Harlingen, 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 Harlingen, Texas?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Harlingen, Texas offer in-person customer service, which some customers prefer.
How do I open a savings account in Harlingen, 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 Harlingen, Texas
Here are recent savings rates observed in Harlingen, Texas and the surrounding area:
- PNC Bank
PNC High Yield Savings® — 3.25% APY - Rally Credit Union
Liberty Savings — 3.15% APY - Frost Bank
Savings Money Market — 1.50% APY - Members First Credit Union Corpus Christi, TX
IRA Savings — 0.90% APY - Valley Federal Credit Union
Educational IRA Share Account — 0.35% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Harlingen, Texas. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 29, 2026
