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
Only available in Texas
Only available in Texas
An exclusive rate only available online with additional deposits allowed.; Online Only
guaranteed through June 30, 2026
Minimum of $5,000 not currently deposited at Huntington.
Only available in Texas
Only available in Texas
Available in all states.
On balances above $25,000 and up to $50,000
On balances up to $25,000
$5 opening deposit required
$50 opening deposit required
Qualifying balance up to $14,999.99
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
On remainder over $50,000
Qualifying balance up to $15,000.00
Qualifying balance up to $5,000.00
Qualifying balance up to $499.99
Qualifying balance up to $500.00
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.
Qualifying balance up to $10,000.00
when you add Direct Deposit to a new or existing Justice Federal Checking Account.
Qualifying balance up to $500.00
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.
Texas high-yield savings rates fell 2.148 points this week to 0.772% APY, down from 2.920% last week.
Texas standard savings rates fell 0.287 points this week to 0.548% APY, down from 0.835% last week.
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.