Houston, Texas (TX) Savings Rates - March 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best savings rates for Houston, Texas and the surrounding area include Chevron Federal Credit UnionChevron Federal Credit Union3000 Post Oak Blvd Ste 150, Houston, TX 77056 6501A+5.0 ★Texas Ratio: 2.35% MySavings Youth at 7.00% APY, Together Credit UnionTogether Credit Union775 Gellhorn Dr, Houston, TX 77029 1416A+5.0 ★Texas Ratio: 5.65% Accelerate It Savings at 5.00% APY, Premier America Credit UnionPremier America Credit Union2001 Rankin Rd, Houston, TX 77073 5114A5.0 ★Texas Ratio: 9.61% Youth Smart Savings at 5.00% APY, Chartway Credit UnionChartway Credit Union4373 FM 1960 West, Houston, TX 77014A+5.0 ★Texas Ratio: 1.26% Smart Steps Savings at 4.50% APY, and Essential Credit UnionEssential Credit Union12012 Space Center Blvd, Houston, TX 77059A5.0 ★Texas Ratio: 11.36% Prosperity Rewards Savings at 4.00% APY. Savings rates as of March 28, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Houston, 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 Houston, Texas (TX) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Houston, Texas and the surrounding area. Last Updated and Verified: March 28, 2026
Compare the Best Savings Rates in Houston, Texas & Surrounding Communities
Qualifying balance up to $5,000.00
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.
Direct Deposit to a new or existing Justice Federal Checking Account.
Only available in Texas
Only available in Texas
Minimum of $5,000 not currently deposited at Huntington.
Qualifying balance up to $2,500.00
Qualifications Required: Have an open eChecking account; Meet all eChecking account qualifications each month; Qualifying balance up to $10,000.00
guaranteed through June 30, 2026
Minimum of $5,000 not currently deposited at Huntington.
Yes Checking
Bonus Savings account promotional rate of 2.50% APY is effective as of 1/31/24. Dividends are paid quarterly. Rate is subject to change. Annual Percentage Yield (APY). Bonus Savings account is available for new and existing members of Chartway Credit Union. To qualify for the offer, Bonus Savings account must be funded completely with new money. New money is defined as funds not currently on deposit with Chartway Credit Union. Funds transferred from IRA accounts are not eligible for this product. Fees could reduce earnings on the account (applies only to maintenance or activity fees). Chartway senior leadership positions (Vice President and above), Board of Directors, and volunteers are not eligible for this product.
$500,000 and up
Yes Checking
Only available in Texas
Only available in Texas
Available in all states.
Qualifications Required: Have an open eChecking account; Meet all eChecking account qualifications each month; Qualifying balance up to $10,000.00
Complimentary Kids Savings stackable money bank and passbook at new account opening
Get a 1.80% APY on balances of $10,000; Up to six free withdrawals per statement cycle
Yes Checking
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.
Houston, TX Savings Rate Trends
Compare local Houston, 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.
Texas high-yield savings rates fell 2.174 points this week to 0.805% APY, down from 2.980% last week.
Texas standard savings rates fell 0.266 points this week to 0.541% APY, down from 0.807% last week.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Houston, 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 Houston, 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 Houston, Texas
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Houston, Texas safe?
How often do savings rates change in Houston, Texas?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Houston, Texas?
How do I open a savings account in Houston, Texas?
Best Savings Rates in Houston, Texas
- Chevron Federal Credit Union
MySavings Youth — 7.00% APY - Together Credit Union
Accelerate It Savings — 5.00% APY - Premier America Credit Union
Youth Smart Savings — 5.00% APY - Chartway Credit Union
Smart Steps Savings — 4.50% APY - Essential Credit Union
Prosperity Rewards Savings — 4.00% APY
