San Marcos, 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 San Marcos, Texas and the surrounding area include Austin Telco Federal Credit UnionAustin Telco Federal Credit Union904 Bugg Ln, San Marcos, TX 78666A+5.0 ★Texas Ratio: 2.16% Share Account at 3.65% APY, PNC BankPNC Bank300 S Lbj Dr, San Marcos, TX 78666A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, Frost BankFrost Bank231 N Guadalupe St, San Marcos, TX 78666A+5.0 ★Texas Ratio: 2.87% Savings Money Market at 1.50% APY, Randolph Brooks FCURandolph Brooks FCU1210 Wonder World Dr, San Marcos, TX 78666 7530A+5.0 ★ IRA Savings at 0.50% APY, and A+ Federal Credit UnionA+ Federal Credit Union1204 Thorpe Ln, San Marcos, TX 78666 6538A-5.0 ★Texas Ratio: 14.18% Health Savings Account at 0.30% APY. Savings rates as of March 29, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in San Marcos, 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 San Marcos, Texas (TX) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in San Marcos, Texas and the surrounding area. Last Updated and Verified: March 29, 2026
Compare the Best Savings Rates in San Marcos, Texas & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
904 Bugg Ln, San Marcos, TX 78666
Share Account
3.65%
$0
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
300 S Lbj Dr, San Marcos, TX 78666
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
231 N Guadalupe St, San Marcos, TX 78666
Savings Money Market
1.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
231 N Guadalupe St, San Marcos, TX 78666
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%
231 N Guadalupe St, San Marcos, TX 78666
Savings Money Market
1.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
231 N Guadalupe St, San Marcos, TX 78666
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%
231 N Guadalupe St, San Marcos, TX 78666
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%
231 N Guadalupe St, San Marcos, TX 78666
Savings Money Market
0.70%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
1210 Wonder World Dr, San Marcos, TX 78666 7530
IRA Savings
0.50%
$1
▼
Rate0.50%
Min Deposit$1
Min Balance—
UpdatedMar 28, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
904 Bugg Ln, San Marcos, TX 78666
IRA Savings Account - Anticipated Dividends
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
904 Bugg Ln, San Marcos, TX 78666
HSA Savings Account - Anticipated Dividends
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
1210 Wonder World Dr, San Marcos, TX 78666 7530
Savings
0.30%
$1
▼
Rate0.30%
Min Deposit$1
Min Balance—
UpdatedMar 28, 2026
Details
A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.18%
1204 Thorpe Ln, San Marcos, TX 78666 6538
Health Savings Account
0.30%
$10
▼
Rate0.00%
Min Deposit$10
Min Balance—
UpdatedMar 16, 2026
Details
A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.18%
1204 Thorpe Ln, San Marcos, TX 78666 6538
Membership Savings
0.10%
$2
▼
Rate0.00%
Min Deposit$2
Min Balance—
UpdatedMar 16, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
904 Bugg Ln, San Marcos, TX 78666
True Youth Savings - Anticipated Dividends
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
904 Bugg Ln, San Marcos, TX 78666
Share Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Anticipated Dividends
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
904 Bugg Ln, San Marcos, TX 78666
Regular Savings
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
231 N Guadalupe St, San Marcos, TX 78666
Savings Account
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Qualifying balance up to $14,999.99
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
242 N GUADALUPE ST, SAN MARCOS, TX 78666
Share Draft Checking Accounts Daily Balance Method
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
123 N Edward Gary St, San Marcos, TX 78666
Retirement High Yield Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
242 N GUADALUPE ST, SAN MARCOS, TX 78666
Health Savings Accounts
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
242 N GUADALUPE ST, SAN MARCOS, TX 78666
Share Savings Accounts
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
300 S Lbj Dr, San Marcos, TX 78666
Standard Savings
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
Schertz B&T
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
2202 Hunter Rd, San Marcos, TX 78666
Savings Account
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
300 S Lbj Dr, San Marcos, TX 78666
Standard Savings
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
614 N Guadalupe St, San Marcos, TX 78666 5713
Savings
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 29, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
242 N GUADALUPE ST, SAN MARCOS, TX 78666
Share Savings Accounts
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
904 Bugg Ln, San Marcos, TX 78666
True Youth Savings - Anticipated Dividends
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
904 Bugg Ln, San Marcos, TX 78666
Share Savings
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Anticipated Dividends
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
904 Bugg Ln, San Marcos, TX 78666
Regular Savings
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 11.76%
242 N GUADALUPE ST, SAN MARCOS, TX 78666
Share Draft Checking Accounts Daily Balance Method
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 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 23, 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
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 29, 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 28, 2026
Details
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 26, 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 29, 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
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 27, 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 27, 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.
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
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 28, 2026
Details
Qualifying balance up to $500.00
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 25, 2026
Details
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 26, 2026
Details
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.36%
1199 Pasadena Blvd, Pasadena, TX 77501
Prosperity Rewards Savings
4.00%
$0
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 23, 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 27, 2026
Details
Direct Deposit to a new or existing Justice Federal Checking Account.
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 27, 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 27, 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 28, 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 29, 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 28, 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 28, 2026
Details
Available to applicants with a Texas residential address.
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 28, 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 28, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
7500 San Felipe St, Houston, TX 77063
High-Yield Savings
3.55%
$5,000
▼
Rate0.00%
Min Deposit$5,000
Min Balance—
UpdatedMar 27, 2026
Details
Minimum of $5,000 not currently deposited at Huntington.
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
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
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.
San Marcos, TX Savings Rate Trends
Compare local San Marcos, 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
0.808%
▼ 1.442 from last week
Texas high-yield savings rates fell 1.442 points this week to 0.808% APY, down from 2.250% last week.
Standard Savings — TX Avg
0.546%
▼ 1.005 from last week
Texas standard savings rates fell 1.005 points this week to 0.546% APY, down from 1.551% last week.
As of Mar 29, 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 San Marcos, 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 San Marcos, 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 San Marcos, 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 San Marcos, 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 San Marcos, 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 San Marcos, 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 San Marcos, Texas?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in San Marcos, Texas offer in-person customer service, which some customers prefer.
How do I open a savings account in San Marcos, 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 San Marcos, Texas
Here are recent savings rates observed in San Marcos, Texas and the surrounding area:
- Austin Telco Federal Credit Union
Share Account — 3.65% APY - PNC Bank
PNC High Yield Savings® — 3.25% APY - Frost Bank
Savings Money Market — 1.50% APY - Randolph Brooks FCU
IRA Savings — 0.50% APY - A+ Federal Credit Union
Health Savings Account — 0.30% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in San Marcos, Texas. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 29, 2026
