Round Rock, Texas Savings Rates - August 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best savings rates for Round Rock, Texas and the surrounding area include SouthStar BankSouthStar Bank3025 Fm 1431, Round Rock, TX 78681A+5.0 ★Texas Ratio: 0.24%Real return: +0.80%APY minus 2.8% CPI (February 2026) IRA SAVINGS ACCOUNTS at 3.60% APY, Citizens National Bank Cameron, TXCitizens National Bank Cameron, TX110 S Mays, Round Rock, TX 78664A+5.0 ★Texas Ratio: 1.72%Real return: +0.70%APY minus 2.8% CPI (February 2026) Advantage Plus Savings at 3.50% APY, Farmers Insurance Federal Credit UnionFarmers Insurance Federal Credit Union104 Sundance Pkwy, Round Rock, TX 78681 7922A-5.0 ★Texas Ratio: 13.00%Real return: -0.05%APY minus 2.8% CPI (February 2026) Online Savings at 2.75% APY, Frost BankFrost Bank2710 La Frontera Blvd, Round Rock, TX 78681A+5.0 ★Texas Ratio: 2.87%Real return: -0.10%APY minus 2.8% CPI (February 2026) Business Savings at 2.70% APY, and Broadway BankBroadway Bank710 Hesters Crossing Rd, Round Rock, TX 78681A+5.0 ★Texas Ratio: 1.78%Real return: -1.20%APY minus 2.8% CPI (February 2026) Relationship Savings Account at 1.60% APY.
Round Rock has 60 local institutions in our database, with savings rates as high as 3.60% APY from SouthStar Bank at 3025 Fm 1431, Round Rock, TX 78681. Use the table below to compare all available offers, including options from institutions serving the broader Texas area. Rates are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Round Rock, Texas and the surrounding area. Last Updated and Verified: August 28, 2026
Compare the Best Savings Rates in Round Rock, Texas & Surrounding Communities
Online Savings w/Direct Deposit into Checking.
Frost Annual Percentage Yield effective as of 08/24/2026. Fees could reduce the earnings on the account.
Frost Annual Percentage Yield effective as of 08/24/2026. Fees could reduce the earnings on the account.
Frost Annual Percentage Yield effective as of 08/24/2026. Fees could reduce the earnings on the account.
Frost Annual Percentage Yield effective as of 08/24/2026. Fees could reduce the earnings on the account.
Interest earning savings account eligible for 1.75% APY interest on balances up to $2,000 and 0.10% APY on balances over $2,000 when funded via recurring ACH deposit or other qualifying external funds. This account is limited to two withdrawals per calendar year, each withdrawal in excess of this amount will incur a $20 excessive withdrawal fee that must be paid at the time of the withdrawal. This account does not qualify for withdrawal access via debit or check and does not support transactions originating via VRU, online banking, mobile banking, or ATMs. Withdrawals can be made in person at a Credit Union branch or by calling us at 800.877.2345. This account does not qualify for overdraft protection. Account holder must be a member with a regular share account who is in good standing. Current interest rates and the annual percentage yield may be found at the Credit Union's website, may be verified at a Credit Union Branch or by calling 800.877.2345. Interest rates earned and qualifying dollar amounts for interest earned are subject to change at any time. APRs and eligibility criteria are subject to change at any time. Fees may reduce earnings. Limit one Rainy Day Account per qualified membership.
Earn 0.25% APY for daily collected balances of $0-$9,999.99 and 1.60% APY for daily collected balances of $10,000 or more. Account holder must have a new checking account with Broadway Bank. Existing checking account holders with Broadway Bank will be reviewed for eligibility.
Frost Annual Percentage Yield effective as of 08/24/2026. Fees could reduce the earnings on the account.
Frost Annual Percentage Yield effective as of 08/24/2026. Fees could reduce the earnings on the account.
Help take the sting out, by giving you tax-free savings on qualifying medical expenses. No minimum balance to open your account. Click here to learn more about how an HSA works.
Consult your tax advisor or refer to IRS Publication 502. Contribution limitations and other restrictions apply to HSAs. To have a Federally Qualified HSA, you must purchase and maintain a HDHP with minimum deductibles of $1,300 (individual) and $2,600 (family), and maximum out of pocket expenses less than $6,850 (individual) and $13,700 (family). Generally you cannot be covered by another low-deductible health insurance policy. The tax treatment of HSA contributions and distributions under your state's income tax laws may differ from the referenced federal tax treatment, and from state to state. Consult with your financial or tax advisor for more information. This Credit Union is federally-insured by the National Credit Union Administration. Qualified medical expenses are tax-free. Refer to section 213 (d) of the IRS Tax Code. Visit the U.S. Department of Treasury website for up-to-date contribution limits and more detailed information on plans and taxes.
Frost Annual Percentage Yield effective as of 08/24/2026. Fees could reduce the earnings on the account.
Frost Annual Percentage Yield effective as of 08/24/2026. Fees could reduce the earnings on the account.
No early withdrawal penalty if wired to a title company.
No early withdrawal penalty if wired to a title company.
Rate is variable and subject to change after account is opened. Fees could reduce earnings on account.
Balance to Earn Dividends: $5
No early withdrawal penalty if wired to a title company.
Balance to Earn Dividends: N/A
see IRA certificate rates below
see IRA certificate rates below
Interest earning savings account eligible for 1.75% APY interest on balances up to $2,000 and 0.10% APY on balances over $2,000 when funded via recurring ACH deposit or other qualifying external funds. This account is limited to two withdrawals per calendar year, each withdrawal in excess of this amount will incur a $20 excessive withdrawal fee that must be paid at the time of the withdrawal. This account does not qualify for withdrawal access via debit or check and does not support transactions originating via VRU, online banking, mobile banking, or ATMs. Withdrawals can be made in person at a Credit Union branch or by calling us at 800.877.2345. This account does not qualify for overdraft protection. Account holder must be a member with a regular share account who is in good standing. Current interest rates and the annual percentage yield may be found at the Credit Union's website, may be verified at a Credit Union Branch or by calling 800.877.2345. Interest rates earned and qualifying dollar amounts for interest earned are subject to change at any time. APRs and eligibility criteria are subject to change at any time. Fees may reduce earnings. Limit one Rainy Day Account per qualified membership.
An average daily balance of $100 is required to obtain the Annual Percentage Yield for the monthly dividend period.
When linked to Premier Checking. Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
When linked to Prime Checking. Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
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.
Round Rock, TX Savings Rate Trends
Compare local Round Rock, TX savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Texas high-yield savings rates rose 0.154 points over the past 7 days to 0.642% APY, up from 0.488%.
Texas standard savings rates fell 0.082 points over the past 7 days to 0.675% APY, down from 0.757%.
Round Rock, Texas Savings Rate Forecast — Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current TX high-yield average and a Fed funds spread to project the likely rate trajectory for 2026–2027.
Savings account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current TX high-yield savings average of 0.642% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: 1–2 Federal Reserve rate cuts of 25 basis points each over the next 12 months, based on current CME FedWatch consensus; savings institutions typically pass through 70–90% of rate cuts to deposit rates within 60–90 days. High-yield online savings rates tend to adjust faster than standard branch-based savings rates.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Round Rock, Texas.
Savings Account Earnings in Round Rock, Texas
Annual interest earnings at current TX average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (0.642% APY) | Monthly Earnings | Standard Savings (0.675% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $32.12 / year | $2.68 | $33.77 / year | $2.81 |
| $10,000 | $64.23 / year | $5.35 | $67.54 / year | $5.63 |
| $25,000 | $160.58 / year | $13.38 | $168.85 / year | $14.07 |
| $50,000 | $321.15 / year | $26.76 | $337.70 / year | $28.14 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: Round Rock, Texas savings rate averages as of August 29, 2026. | ||||
About Our Round Rock, Texas Savings Rate Database
MonitorBankRates found 13 institutions with branches in Round Rock (5 banks, 8 credit unions). Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: SouthStar Bank offers a savings account at 3.60% APY. Use the rate table above to compare all current offers in Round Rock, Texas.
How to Find the Best Savings Rates in Round Rock, Texas
What to compare when shopping for a savings account in Round Rock, Texas
To find the best savings APYs in Round Rock, Texas, start with credit unions and online-only banks — Round Rock, Texas has 8 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current TX high-yield savings average is 0.642% — but top local institutions are offering as high as 3.60%, so shopping around pays off.
Unlike a CD, savings account rates are variable — your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3–6 months of expenses in a liquid, FDIC-insured account. Round Rock, Texas high-yield savings rates currently average 0.642% APY — far above a typical checking account.
- Short-term savings goals (6–24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account at Round Rock, Texas institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally — 13 institutions in Round Rock, Texas report savings rates to our database.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return → Round Rock, Texas CD rates
- You want check-writing flexibility → Round Rock, Texas money market rates
- You need daily transaction access → Round Rock, Texas checking rates
Round Rock, Texas Financial Snapshot
Local demographics and economic context for savers — Source: U.S. Census Bureau
11.2% of residents are 65 or older — below the national average of 17.3%. At today’s TX high-yield savings average of 0.642%, saving 10% of the local median salary ($5,134/year) would earn an additional $33 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Round Rock, Texas Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Round Rock, Texas.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current TX Avg APY | 0.642% | 0.675% | View MMA Rates | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 – $100 | $25 – $100 | $0 – $2,500 | $500 – $1,000 |
| Rate Risk | Rate may fall with Fed cuts | Rate may fall with Fed cuts | Rate may fall with Fed cuts | None — locked for term |
| Best For | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects Round Rock, Texas averages tracked in our database as of August 29, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Round Rock, Texas
At TX’s top rate of 3.60% from SouthStar Bank, a $10,000 deposit earns $360 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Round Rock, Texas earner is roughly $12,800. At 0.642% APY, saving $1,070/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsTexas’s high-yield savings average is 0.642% APY — variable and always accessible. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Round Rock, Texas earner makes $51,347/year. Track your income vs. expenses to find your monthly surplus — then put it to work at 0.642% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 0.642% APY grows to roughly $28,415 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Round Rock, Texas savings rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Round Rock, 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 Round Rock, 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 Round Rock, Texas
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Round Rock, Texas safe?
How often do savings rates change in Round Rock, Texas?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Round Rock, Texas?
How do I open a savings account in Round Rock, Texas?
Best Savings Rates in Round Rock, Texas
- SouthStar Bank
IRA SAVINGS ACCOUNTS — 3.60% APY - Citizens National Bank Cameron, TX
Advantage Plus Savings — 3.50% APY - Farmers Insurance Federal Credit Union
Online Savings — 2.75% APY - Frost Bank
Business Savings — 2.70% APY - Broadway Bank
Relationship Savings Account — 1.60% APY
Round Rock, Texas Rates & Resources
