Katy, Texas (TX) Savings Rates - April 2026
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Editorial Disclosure
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 Katy, Texas and the surrounding area include PNC BankPNC Bank333 S Fry Rd, Katy, TX 77450A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, Capital One BankCapital One Bank23910 Westheimer Pkwy, Katy, TX 77494A5.0 ★Texas Ratio: 10.41% 360 Performance Savings at 3.20% APY, Gulf Coast Educators Federal Credit UnionGulf Coast Educators Federal Credit Union27252 Katy Fwy, Katy, TX 77494 1001A+5.0 ★Texas Ratio: 3.85% Dollar Up Savings at 3.02% APY, American First National BankAmerican First National Bank1231 S Mason Rd, Katy, TX 77450A5.0 ★Texas Ratio: 6.60% VIP savings account at 3.00% APY, and SHELLSHELL23125 Morton Ranch Rd, Katy, TX 77449A+5.0 ★Texas Ratio: 2.74% High Yield eSavings at 3.00% APY. Savings rates as of March 29, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Katy, 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 Katy, Texas (TX) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Katy, Texas and the surrounding area. Last Updated and Verified: March 29, 2026
Compare the Best Savings Rates in Katy, 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%
333 S Fry Rd, Katy, TX 77450
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
23910 Westheimer Pkwy, Katy, TX 77494
360 Performance Savings
3.20%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
27252 Katy Fwy, Katy, TX 77494 1001
Dollar Up Savings
3.02%
$0
▼
Rate2.99%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
American First National Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
1231 S Mason Rd, Katy, TX 77450
VIP savings account
3.00%
$10,000
▼
Rate0.00%
Min Deposit$10,000
Min Balance—
UpdatedMar 24, 2026
Details
guaranteed through June 30, 2026
SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
23125 Morton Ranch Rd, Katy, TX 77449
High Yield eSavings
3.00%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 29, 2026
Details
Qualifications Required: Have an open eChecking account; Meet all eChecking account qualifications each month; Qualifying balance up to $10,000.00
Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
3211 Peek Rd, Katy, TX 77449
High-Yield Savings
2.74%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Yes Checking
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
4747 FM 1463 Rd Ste 1000, Katy, TX 77494
Share
2.27%
$0
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$500,000 and up
Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
3211 Peek Rd, Katy, TX 77449
High-Yield Savings
2.24%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Yes Checking
Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
3211 Peek Rd, Katy, TX 77449
High-Yield Savings
2.00%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 25, 2026
Details
SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
23125 Morton Ranch Rd, Katy, TX 77449
High Yield eSavings
2.00%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 29, 2026
Details
Qualifications Required: Have an open eChecking account; Meet all eChecking account qualifications each month; Qualifying balance up to $10,000.00
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
IRA (Savings)
1.75%
$0
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
3211 Peek Rd, Katy, TX 77449
High-Yield Savings
1.74%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Yes Checking
Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
3211 Peek Rd, Katy, TX 77449
Business Savings
1.74%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 25, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
23701 Cinco Ranch Blvd, Katy, TX 77494
Savings Money Market
1.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
3211 Peek Rd, Katy, TX 77449
High-Yield Savings
1.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
No Checking
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
23701 Cinco Ranch Blvd, Katy, TX 77494
Savings Money Market
1.40%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
4747 FM 1463 Rd Ste 1000, Katy, TX 77494
Business Share
1.26%
$700,000
▼
Rate1.25%
Min Deposit$700,000
Min Balance—
UpdatedMar 28, 2026
Details
$700,000 and up
Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
3211 Peek Rd, Katy, TX 77449
High-Yield Savings
1.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
No Checking
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
IRA (Savings)
1.25%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
3211 Peek Rd, Katy, TX 77449
High-Yield Savings
1.24%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Yes Checking
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
23701 Cinco Ranch Blvd, Katy, TX 77494
Savings Money Market
1.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
4747 FM 1463 Rd Ste 1000, Katy, TX 77494
Share
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$300,000 to $499,999.99
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
24250 Cinco Ranch Blvd, Katy, TX 77494
High Yield Savings
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Qualifying balance up to $50,000.00
Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
3211 Peek Rd, Katy, TX 77449
High-Yield Savings
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
No Checking
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
23701 Cinco Ranch Blvd, Katy, TX 77494
Savings Money Market
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
4747 FM 1463 Rd Ste 1000, Katy, TX 77494
Business Share
1.00%
$500,000
▼
Rate1.00%
Min Deposit$500,000
Min Balance—
UpdatedMar 28, 2026
Details
$500,000 to $699,999.99
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
IRA (Savings)
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
23701 Cinco Ranch Blvd, Katy, TX 77494
Savings Money Market
0.90%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
3211 Peek Rd, Katy, TX 77449
High-Yield Savings
0.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
No Checking
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
4747 FM 1463 Rd Ste 1000, Katy, TX 77494
Share
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$200,000 to $299,999.99
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
IRA (Savings)
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
3211 Peek Rd, Katy, TX 77449
High-Yield Savings
0.74%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Yes Checking
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
23701 Cinco Ranch Blvd, Katy, TX 77494
Savings Money Market
0.70%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
IRA (Savings)
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
23665 Katy Freeway, Katy, TX 77494
Coverdell ESA Savings Account Rate
0.60%
$25
▼
Rate0.59%
Min Deposit$25
Min Balance—
UpdatedMar 26, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
23665 Katy Freeway, Katy, TX 77494
IRA Savings Account Rate
0.60%
$0
▼
Rate0.59%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
3211 Peek Rd, Katy, TX 77449
High-Yield Savings
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
No Checking
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
IRA (Savings)
0.50%
$100
▼
Rate0.50%
Min Deposit$100
Min Balance—
UpdatedMar 28, 2026
Details
$50 w/ payroll deduction-Direct Deposit
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
4747 FM 1463 Rd Ste 1000, Katy, TX 77494
Share
0.45%
$0
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
$150,000 to $199,999.99
Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
4747 FM 1463 Rd Ste 1000, Katy, TX 77494
Business Share
0.35%
$300,000
▼
Rate0.35%
Min Deposit$300,000
Min Balance—
UpdatedMar 28, 2026
Details
$300,000 to $499,999.99
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
25675 Nelson Way, Katy, TX 77494
Savings
0.30%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
23525 Katy Fwy, Katy, TX 77494 1334
IRA Savings
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
555 W Grand Pkwy S, Katy, TX 77494
Youth Savings
0.25%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 25, 2026
Details
$5 opening deposit required
Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
23033 Grand Circle Blvd, Katy, TX 77449
Savings Account
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Independent Bank Mckinney, TX
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
808 Katy Fort Bend Rd, Katy, TX 77494
Business Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
23525 Katy Fwy, Katy, TX 77494 1334
Business Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
555 W Grand Pkwy S, Katy, TX 77494
Personal Savings
0.10%
$50
▼
Rate0.00%
Min Deposit$50
Min Balance—
UpdatedMar 25, 2026
Details
$50 opening deposit required
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
23525 Katy Fwy, Katy, TX 77494 1334
Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
23525 Katy Fwy, Katy, TX 77494 1334
Money Musketeers® Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
23525 Katy Fwy, Katy, TX 77494 1334
Dinero® Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
23125 Morton Ranch Rd, Katy, TX 77449
Savings
0.10%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 29, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
23701 Cinco Ranch Blvd, Katy, TX 77494
Savings Account
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Qualifying balance up to $14,999.99
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
5622 3rd St, Katy, TX 77493
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%
333 S Fry Rd, Katy, TX 77450
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%
333 S Fry Rd, Katy, TX 77450
Standard Savings
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 28, 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
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
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MonitorBankRates
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 Katy, 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 Katy, 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 Katy, 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 Katy, 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 Katy, 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 Katy, 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 Katy, Texas?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Katy, Texas offer in-person customer service, which some customers prefer.
How do I open a savings account in Katy, 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 Katy, Texas
Here are recent savings rates observed in Katy, Texas and the surrounding area:
- PNC Bank
PNC High Yield Savings® — 3.25% APY - Capital One Bank
360 Performance Savings — 3.20% APY - Gulf Coast Educators Federal Credit Union
Dollar Up Savings — 3.02% APY - American First National Bank
VIP savings account — 3.00% APY - SHELL
High Yield eSavings — 3.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Katy, Texas. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 29, 2026
