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Texas Savings Rate Trends

Richardson, Texas (TX) Savings Rates - March 2026

The best savings rates for Richardson, Texas and the surrounding area include OWB One World BankOWB One World Bank100 N Central Expy, Richardson, TX 75080A+5.0 ★Texas Ratio: 0.80% Regular Savings / Business Savings at 3.75% APY, Texas Capital BankTexas Capital Bank2350 Lakeside Blvd Ste 105, Richardson, TX 75082A+5.0 ★Texas Ratio: 2.17% Star Elite Savings at 3.65% APY, Neighborhood Credit UnionNeighborhood Credit Union1271 W Campbell Rd, Richardson, TX 75080 2946A5.0 ★Texas Ratio: 8.73% Online Savings at 3.60% APY, PNC BankPNC Bank120 N Coit Rd, Richardson, TX 75080A5.0 ★Texas Ratio: 6.83% PNC High Yield SavingsĀ® at 3.25% APY, and American First National BankAmerican First National Bank400 N Greenville Ave, Richardson, TX 75081A5.0 ★Texas Ratio: 6.60% VIP savings account at 3.00% APY. Savings rates as of March 26, 2026 according to verified data from MonitorBankRates.

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

Savings rates reflect recent market quotes and representative offers available to depositors in Richardson, Texas and the surrounding area. Last Updated and Verified: March 26, 2026

Compare the Best Savings Rates in Richardson, Texas & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
100 N Central Expy, Richardson, TX 75080
Regular Savings / Business Savings
3.75%
$0
Rate3.70%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
2350 Lakeside Blvd Ste 105, Richardson, TX 75082
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%
2350 Lakeside Blvd Ste 105, Richardson, TX 75082
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%
2350 Lakeside Blvd Ste 105, Richardson, TX 75082
Star High-Yield Savings Account
3.65%
$0
Rate3.58%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Only available in Texas

Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
1271 W Campbell Rd, Richardson, TX 75080 2946
Online Savings
3.60%
$1,500
Rate3.54%
Min Deposit$1,500
Min Balance
UpdatedMar 15, 2026
Details

An exclusive rate only available online with additional deposits allowed.; Online Only

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
120 N Coit Rd, Richardson, TX 75080
PNC High Yield SavingsĀ®
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
1271 W Campbell Rd, Richardson, TX 75080 2946
Max Savings
3.05%
$0
Rate3.01%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

American First National Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
400 N Greenville Ave, Richardson, TX 75081
VIP savings account
3.00%
$10,000
Rate0.00%
Min Deposit$10,000
Min Balance
UpdatedMar 24, 2026
Details

guaranteed through June 30, 2026

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
2280 N Greenville Ave, Richardson, TX 75082 4412
SafeGuard Savings, Municipal
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
2280 N Greenville Ave, Richardson, TX 75082 4412
SafeGuard Savings, Consumer
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
1271 W Campbell Rd, Richardson, TX 75080 2946
Max Savings
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
1301 E Campbell Rd, Richardson, TX 75081
High-Yield Savings
2.98%
$5,000
Rate0.00%
Min Deposit$5,000
Min Balance
UpdatedMar 20, 2026
Details

Minimum of $5,000 not currently deposited at Huntington.

Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
1271 W Campbell Rd, Richardson, TX 75080 2946
High Yield Savings
2.75%
$100
Rate2.71%
Min Deposit$100
Min Balance
UpdatedMar 15, 2026
Details

Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
2350 Lakeside Blvd Ste 105, Richardson, TX 75082
Star Savings
2.12%
$0
Rate2.10%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
2350 Lakeside Blvd Ste 105, Richardson, TX 75082
Shooting Star Savings
2.12%
$0
Rate2.10%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
2350 Lakeside Blvd Ste 105, Richardson, TX 75082
Star High Yield Savings Account
2.12%
$0
Rate2.10%
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%
2350 Lakeside Blvd Ste 105, Richardson, TX 75082
Star High-Yield Savings Account
2.12%
$0
Rate2.10%
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%
2350 Lakeside Blvd Ste 105, Richardson, TX 75082
Star Savings Account
2.12%
$0
Rate2.10%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Available in all states.

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
2280 N Greenville Ave, Richardson, TX 75082 4412
Rainy Day Savings
1.90%
$0
Rate1.88%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

On balances above $25,000 and up to $50,000

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
700 E Campbell Rd, Richardson, TX 75081
Savings Money Market
1.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
2280 N Greenville Ave, Richardson, TX 75082 4412
Rainy Day Savings
1.40%
$0
Rate1.39%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

On balances up to $25,000

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
2280 N Greenville Ave, Richardson, TX 75082 4412
SafeGuard Savings, Business
1.40%
$0
Rate1.39%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
700 E Campbell Rd, Richardson, TX 75081
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%
700 E Campbell Rd, Richardson, TX 75081
Savings Money Market
1.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
2350 Lakeside Blvd Ste 105, Richardson, TX 75082
Edge Business Savings
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
700 E Campbell Rd, Richardson, TX 75081
Savings Money Market
1.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
700 E Campbell Rd, Richardson, TX 75081
Savings Money Market
0.90%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
700 E Campbell Rd, Richardson, TX 75081
Savings Money Market
0.70%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
710 W Renner Rd, Richardson, TX 75080
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%
333 W Campbell Rd, Richardson, TX 75080
Youth Savings
0.25%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 25, 2026
Details

$5 opening deposit required

Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
1271 W Campbell Rd, Richardson, TX 75080 2946
Special Savings
0.10%
$25
Rate0.10%
Min Deposit$25
Min Balance
UpdatedMar 15, 2026
Details

Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
1271 W Campbell Rd, Richardson, TX 75080 2946
Prize Savings
0.10%
$25
Rate0.10%
Min Deposit$25
Min Balance
UpdatedMar 15, 2026
Details

Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
1271 W Campbell Rd, Richardson, TX 75080 2946
Membership Savings
0.10%
$25
Rate0.10%
Min Deposit$25
Min Balance
UpdatedMar 15, 2026
Details

Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
1271 W Campbell Rd, Richardson, TX 75080 2946
Kid's Savings
0.10%
$25
Rate0.10%
Min Deposit$25
Min Balance
UpdatedMar 15, 2026
Details

ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
710 W Renner Rd, Richardson, TX 75080
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%
710 W Renner Rd, Richardson, TX 75080
Money MusketeersĀ® 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%
710 W Renner Rd, Richardson, TX 75080
DineroĀ® 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%
710 W Renner Rd, Richardson, TX 75080
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%
333 W Campbell Rd, Richardson, TX 75080
Personal Savings
0.10%
$50
Rate0.00%
Min Deposit$50
Min Balance
UpdatedMar 25, 2026
Details

$50 opening deposit required

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
700 E Campbell Rd, Richardson, TX 75081
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%
1405 E Renner Rd, Richardson, TX 75082
Retirement High Yield Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1405 E Renner Rd, Richardson, TX 75082
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

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
120 N Coit Rd, Richardson, TX 75080
Standard Savings
0.03%
$0
Rate0.03%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
2280 N Greenville Ave, Richardson, TX 75082 4412
Holiday Club Savings
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
2280 N Greenville Ave, Richardson, TX 75082 4412
Rainy Day Savings
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

On remainder over $50,000

Baxter Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.73%
2280 N Greenville Ave, Richardson, TX 75082 4412
Regular Savings
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
1271 W Campbell Rd, Richardson, TX 75080 2946
Max Savings
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 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 25, 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

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

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

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

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

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.

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

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 25, 2026
Details

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.

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

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.

Richardson, TX Savings Rate Trends

Compare local Richardson, 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
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%
▼ 0.287 from last week

Texas standard savings rates fell 0.287 points this week to 0.548% APY, down from 0.835% last week.

As of Mar 27, 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 Richardson, 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 Richardson, 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 Richardson, 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 Richardson, 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 Richardson, 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 Richardson, 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 Richardson, Texas?

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

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

Here are recent savings rates observed in Richardson, Texas and the surrounding area:
  • OWB One World Bank
    Regular Savings / Business Savings — 3.75% APY
  • Texas Capital Bank
    Star Elite Savings — 3.65% APY
  • Neighborhood Credit Union
    Online Savings — 3.60% APY
  • PNC Bank
    PNC High Yield SavingsĀ® — 3.25% APY
  • American First National Bank
    VIP savings account — 3.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Richardson, Texas. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 26, 2026