Midland, Texas (TX) Savings Rates - March 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 Midland, Texas and the surrounding area include Chevron Federal Credit UnionChevron Federal Credit Union6301 Deauville, Midland, TX 79706A+5.0 ★Texas Ratio: 2.35% MySavings Youth at 7.00% APY, TEXAS TECHTEXAS TECH3300 N A St, Midland, TX 79705A5.0 ★Texas Ratio: 8.53% Money Market Savings at 2.75% APY, Members Financial Federal Credit UnionMembers Financial Federal Credit Union3100 Sunburst Dr, Midland, TX 79707A+5.0 ★Texas Ratio: 0.77% Holiday Savings at 2.00% APY, Frost BankFrost Bank508 W Wall St, Midland, TX 79701A+5.0 ★Texas Ratio: 2.87% Savings Money Market at 1.50% APY, and MTCU Credit UnionMTCU Credit Union1505 N Midland Dr, Midland, TX 79703A+5.0 ★Texas Ratio: 2.09% IRA Savings Account at 0.84% APY. Savings rates as of March 25, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Midland, 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 Midland, Texas (TX) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Midland, Texas and the surrounding area. Last Updated and Verified: March 25, 2026
Compare the Best Savings Rates in Midland, 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%
6301 Deauville, Midland, TX 79706
MySavings Youth
7.00%
$0
▼
Rate6.77%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
TEXAS TECH
Institution Rating:
A5.0 ★Texas Ratio: 8.53%
3300 N A St, Midland, TX 79705
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%
3300 N A St, Midland, TX 79705
Money Market Savings
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
TEXAS TECH
Institution Rating:
A5.0 ★Texas Ratio: 8.53%
3300 N A St, Midland, TX 79705
Money Market Savings
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Members Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
3100 Sunburst Dr, Midland, TX 79707
Holiday Savings
2.00%
$100
▼
Rate2.00%
Min Deposit$100
Min Balance—
UpdatedMar 24, 2026
Details
Members Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
3100 Sunburst Dr, Midland, TX 79707
Business Savings
2.00%
$5,000
▼
Rate2.00%
Min Deposit$5,000
Min Balance—
UpdatedMar 24, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
508 W Wall St, Midland, TX 79701
Savings Money Market
1.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
508 W Wall St, Midland, TX 79701
Savings Money Market
1.40%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
508 W Wall St, Midland, TX 79701
Savings Money Market
1.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
508 W Wall St, Midland, TX 79701
Savings Money Market
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
508 W Wall St, Midland, TX 79701
Savings Money Market
0.90%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
MTCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1505 N Midland Dr, Midland, TX 79703
IRA Savings Account
0.84%
$0
▼
Rate0.84%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
6301 Deauville, Midland, TX 79706
Primary Share Savings
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
MTCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1505 N Midland Dr, Midland, TX 79703
IRA Savings Account
0.71%
$0
▼
Rate0.71%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
508 W Wall St, Midland, TX 79701
Savings Money Market
0.70%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
3512 N Midkiff Rd, Midland, TX 79705
MMAC
0.68%
$0
▼
Rate0.68%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
3512 N Midkiff Rd, Midland, TX 79705
MMAC
0.63%
$0
▼
Rate0.63%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
MTCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1505 N Midland Dr, Midland, TX 79703
IRA Savings Account
0.59%
$0
▼
Rate0.59%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
3512 N Midkiff Rd, Midland, TX 79705
CAMPUS MMAC
0.58%
$0
▼
Rate0.58%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
3512 N Midkiff Rd, Midland, TX 79705
MMAC
0.58%
$0
▼
Rate0.58%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
1111 W Wall St, Midland, TX 79701
UMB Premium Savings
0.55%
$0
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
MTCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1505 N Midland Dr, Midland, TX 79703
IRA Savings Account
0.46%
$0
▼
Rate0.46%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
MTCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1505 N Midland Dr, Midland, TX 79703
Regular Shares/Special Tiered
0.45%
$0
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
First Basin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
3316 N Midland Dr, Midland, TX 79707
Share Savings Account Jumbo
0.25%
$25
▼
Rate0.25%
Min Deposit$25
Min Balance—
UpdatedMar 18, 2026
Details
Complex Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.26%
3512 N Midkiff Rd, Midland, TX 79705
Regular Shares
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
$25 minimum to open; $100 to earn dividends; Previous Quarter
MTCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1505 N Midland Dr, Midland, TX 79703
Regular Shares/Special Tiered
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
MTCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1505 N Midland Dr, Midland, TX 79703
Regular Shares/Special Tiered
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
First Basin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.37%
3316 N Midland Dr, Midland, TX 79707
Share Savings Account
0.15%
$25
▼
Rate0.15%
Min Deposit$25
Min Balance—
UpdatedMar 18, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
600 W Louisiana Ave, Midland, TX 79701 1610
Savings Account
0.10%
$5
▼
Rate0.10%
Min Deposit$5
Min Balance—
UpdatedMar 20, 2026
Details
Members Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
3100 Sunburst Dr, Midland, TX 79707
Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
My Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
600 W Louisiana Ave, Midland, TX 79701 1610
IRA Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Heritage USA Federal Credit Union
Institution Rating:
C+4.1 ★Texas Ratio: 25.36%
5507 W Wadley Ave, Midland, TX 79707
Share Account
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
MTCU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.09%
1505 N Midland Dr, Midland, TX 79703
Regular Shares/Special Tiered
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Members Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
3100 Sunburst Dr, Midland, TX 79707
Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
508 W Wall St, Midland, TX 79701
Savings Account
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifying balance up to $14,999.99
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1030 Andrews Hwy, Midland, TX 79701
Platinum Savings
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1030 Andrews Hwy, Midland, TX 79701
Retirement High Yield Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
1111 W Wall St, Midland, TX 79701
UMB Savings
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1030 Andrews Hwy, Midland, TX 79701
Platinum Savings
0.02%
$25
▼
Rate0.02%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1030 Andrews Hwy, Midland, TX 79701
Platinum Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1030 Andrews Hwy, Midland, TX 79701
Way2Save® Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
$25 minimum opening deposit
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
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 22, 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
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 22, 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
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
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
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
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 22, 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 Elite Savings
3.65%
$0
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedMar 21, 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 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
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
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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.
Midland, TX Savings Rate Trends
Compare local Midland, 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.
High-Yield Savings — TX Avg
0.772%
▼ 2.148 from last week
Texas high-yield savings rates fell 2.148 points this week to 0.772% APY, down from 2.920% last week.
Standard Savings — TX Avg
0.548%
▼ 0.200 from last week
Texas standard savings rates fell 0.200 points this week to 0.548% APY, down from 0.748% last week.
As of Mar 26, 2026 •
Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Midland, 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 Midland, 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 Midland, 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 Midland, 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 Midland, 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 Midland, 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 Midland, Texas?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Midland, Texas offer in-person customer service, which some customers prefer.
How do I open a savings account in Midland, 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 Midland, Texas
Here are recent savings rates observed in Midland, Texas and the surrounding area:
- Chevron Federal Credit Union
MySavings Youth — 7.00% APY - TEXAS TECH
Money Market Savings — 2.75% APY - Members Financial Federal Credit Union
Holiday Savings — 2.00% APY - Frost Bank
Savings Money Market — 1.50% APY - MTCU Credit Union
IRA Savings Account — 0.84% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Midland, Texas. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 25, 2026
