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Texas Savings Rate Trends

Lubbock, Texas (TX) Savings Rates - March 2026

The best savings rates for Lubbock, Texas and the surrounding area include PNC BankPNC Bank8200 Nashville Ave, Lubbock, TX 79423A5.0 ★Texas Ratio: 6.83% PNC High Yield SavingsĀ® at 3.25% APY, Amarillo National BankAmarillo National Bank4811 50th St, Lubbock, TX 79414A5.0 ★Texas Ratio: 13.79% Savings at 3.00% APY, Lubbock Telco Federal Credit UnionLubbock Telco Federal Credit Union2802 York Ave Unit D, LUBBOCK, TX 79407 2632A+5.0 ★Texas Ratio: 0.00% Money Market Savings at 2.75% APY, TEXAS TECHTEXAS TECH1802 Texas Tech Parkway, Lubbock, TX 79409A5.0 ★Texas Ratio: 8.53% Money Market Savings at 2.75% APY, and Alliance Credit UnionAlliance Credit Union8401 Quaker Ave, Lubbock, TX 79424A5.0 ★Texas Ratio: 6.79% IRA Shares at 0.75% APY.

To see how these savings rates in Lubbock, 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 Lubbock, Texas (TX) are continually updated — we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Lubbock, Texas and the surrounding area. Last Updated and Verified: March 21, 2026

Lubbock, TX Savings Rate Trends

Compare local Lubbock, 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.

View Full Texas Savings Trends →
High-Yield Savings — TX Avg
1.184%

Texas high-yield savings rates currently average 1.184% APY based on data from institutions in our monitoring network.

Standard Savings — TX Avg
0.527%

Texas standard savings rates currently average 0.527% APY based on data from institutions in our monitoring network.

As of Mar 21, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Compare the Best Savings Rates in Lubbock, 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%
8200 Nashville Ave, Lubbock, TX 79423
PNC High Yield SavingsĀ®
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Amarillo National Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.79%
4811 50th St, Lubbock, TX 79414
Savings
3.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2802 York Ave Unit D, LUBBOCK, TX 79407 2632
Money Market Savings
2.75%
$0
Rate2.72%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

TEXAS TECH
Institution Rating:
A5.0 ★Texas Ratio: 8.53%
1802 Texas Tech Parkway, Lubbock, TX 79409
Money Market Savings
2.75%
$0
Rate2.72%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

TEXAS TECH
Institution Rating:
A5.0 ★Texas Ratio: 8.53%
1802 Texas Tech Parkway, Lubbock, TX 79409
Money Market Savings
2.50%
$0
Rate2.47%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2802 York Ave Unit D, LUBBOCK, TX 79407 2632
Money Market Savings
2.50%
$0
Rate2.47%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2802 York Ave Unit D, LUBBOCK, TX 79407 2632
Money Market Savings
2.25%
$0
Rate2.23%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

TEXAS TECH
Institution Rating:
A5.0 ★Texas Ratio: 8.53%
1802 Texas Tech Parkway, Lubbock, TX 79409
Money Market Savings
2.25%
$0
Rate2.23%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Amarillo National Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.79%
4811 50th St, Lubbock, TX 79414
Savings
1.90%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

Amarillo National Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.79%
4811 50th St, Lubbock, TX 79414
Savings
1.35%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

Amarillo National Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.79%
4811 50th St, Lubbock, TX 79414
Savings
1.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
8401 Quaker Ave, Lubbock, TX 79424
IRA Shares
0.75%
$0
Rate0.75%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
6402 Frankford Ave, Lubbock, TX 79424
MMAC
0.68%
$0
Rate0.68%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

First United Bank Dimmitt, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
5802 4th St, Lubbock, TX 79416
Foundation Savings
0.65%
$0
Rate0.65%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
6402 Frankford Ave, Lubbock, TX 79424
MMAC
0.63%
$0
Rate0.63%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
6402 Frankford Ave, Lubbock, TX 79424
MMAC
0.58%
$0
Rate0.58%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
6402 Frankford Ave, Lubbock, TX 79424
CAMPUS MMAC
0.58%
$0
Rate0.58%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
9816 Slide Rd, Lubbock, TX 79424
UMB Premium Savings
0.55%
$0
Rate0.55%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
6402 Frankford Ave, Lubbock, TX 79424
Regular Shares
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 18, 2026
Details

$25 minimum to open; $100 to earn dividends; Previous Quarter

First Basin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
3805 19th St, Lubbock, TX 79410
Share Savings Account Jumbo
0.25%
$25
Rate0.25%
Min Deposit$25
Min Balance
UpdatedMar 18, 2026
Details

First Basin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
3805 19th St, Lubbock, TX 79410
Share Savings Account
0.15%
$25
Rate0.15%
Min Deposit$25
Min Balance
UpdatedMar 18, 2026
Details

Alliance Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.79%
8401 Quaker Ave, Lubbock, TX 79424
Savings
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 17, 2026
Details

Vista Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
4515 98th St, Lubbock, TX 79424
Vista Savings
0.15%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMar 15, 2026
Details

0.25% per annum interest rate discount on consumer loans1; Some transaction limitations apply2

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
4905 82nd St, Lubbock, TX 79424
Retirement High Yield Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
8200 Nashville Ave, Lubbock, TX 79423
Standard Savings
0.03%
$0
Rate0.03%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
9816 Slide Rd, Lubbock, TX 79424
UMB Savings
0.02%
$0
Rate0.02%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
8200 Nashville Ave, Lubbock, TX 79423
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%
4905 82nd St, Lubbock, TX 79424
Way2SaveĀ® Savings
0.01%
$25
Rate0.01%
Min Deposit$25
Min Balance
UpdatedMar 15, 2026
Details

How to avoid the $5 monthly service fee

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
4905 82nd St, Lubbock, TX 79424
Platinum Savings
0.01%
$25
Rate0.01%
Min Deposit$25
Min Balance
UpdatedMar 15, 2026
Details

Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
4905 82nd St, Lubbock, TX 79424
Way2Save Savings
0.01%
$25
Rate0.01%
Min Deposit$25
Min Balance
UpdatedMar 15, 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 16, 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
MySavings Youth
7.00%
$0
Rate6.77%
Min Deposit$0
Min Balance
UpdatedMar 18, 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 15, 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

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 21, 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

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

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 15, 2026
Details

Qualifying balance up to $500.00

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 20, 2026
Details

Qualifying balance up to $10,000.00

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
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 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 20, 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 18, 2026
Details

Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.36%
1199 Pasadena Blvd, Pasadena, TX 77501
Prosperity Rewards Savings - Qualifying
4.00%
$0
Rate4.00%
Min Deposit$0
Min Balance
UpdatedMar 16, 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
UpdatedMar 20, 2026
Details

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 21, 2026
Details

Qualifying balance up to $500.00

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 20, 2026
Details

when you add Direct Deposit to a new or existing Justice Federal Checking Account.

Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
Business High-Yield Savings Account
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Community Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
250 FM 2821 Rd W, Huntsville, TX 77320 8422
High Yield Savings (Money Market)
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 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
UpdatedMar 20, 2026
Details

Qualifying balance up to $100,000.00

Southern Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.41%
16035 W Little York Rd, Houston, TX 77084
Regular ShareS
3.82%
$1,000
Rate3.75%
Min Deposit$1,000
Min Balance
UpdatedMar 21, 2026
Details

Community Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
250 FM 2821 Rd W, Huntsville, TX 77320 8422
High Yield Savings (Money Market)
3.80%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 18, 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 15, 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 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

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 18, 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
UpdatedMar 18, 2026
Details

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.

Methodology & Data Sources

Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Lubbock, 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 Lubbock, 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 Lubbock, 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 Lubbock, 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 Lubbock, 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 Lubbock, 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 Lubbock, Texas?

Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Lubbock, Texas offer in-person customer service, which some customers prefer.

How do I open a savings account in Lubbock, 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 Lubbock, Texas

Here are recent savings rates observed in Lubbock, Texas and the surrounding area:
  • PNC Bank
    PNC High Yield SavingsĀ® — 3.25% APY
  • Amarillo National Bank
    Savings — 3.00% APY
  • Lubbock Telco Federal Credit Union
    Money Market Savings — 2.75% APY
  • TEXAS TECH
    Money Market Savings — 2.75% APY
  • Alliance Credit Union
    IRA Shares — 0.75% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Lubbock, Texas. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 21, 2026