Sherman, 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 Sherman, Texas and the surrounding area include Neighborhood Credit UnionNeighborhood Credit Union3530 Crossroads Blvd, Sherman, TX 75090A5.0 ★Texas Ratio: 8.73% Online Savings at 3.60% APY, City Credit UnionCity Credit Union401 W Wilson Ave, Sherman, TX 75090A5.0 ★Texas Ratio: 7.07% IRA Savings (Traditional) at 0.50% APY, 4U Federal Credit Union4U Federal Credit Union1901S Heritage Pkwy, Sherman, TX 75092A+5.0 ★Texas Ratio: 0.99% Savings at 0.25% APY, BOK FinancialBOK Financial307 W Washington St, Sherman, TX 75090A+5.0 ★Texas Ratio: 3.85% Youth Savings at 0.25% APY, and Independent Bank Mckinney, TXIndependent Bank Mckinney, TX300 E Taylor St, Sherman, TX 75090A+5.0 ★Texas Ratio: 2.30% Business Savings at 0.15% APY. Savings rates as of March 25, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Sherman, 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 Sherman, Texas (TX) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Sherman, Texas and the surrounding area. Last Updated and Verified: March 25, 2026
Compare the Best Savings Rates in Sherman, Texas & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
3530 Crossroads Blvd, Sherman, TX 75090
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
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
3530 Crossroads Blvd, Sherman, TX 75090
Max Savings
3.05%
$0
▼
Rate3.01%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
3530 Crossroads Blvd, Sherman, TX 75090
Max Savings
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
3530 Crossroads Blvd, Sherman, TX 75090
High Yield Savings
2.75%
$100
▼
Rate2.71%
Min Deposit$100
Min Balance—
UpdatedMar 15, 2026
Details
City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
401 W Wilson Ave, Sherman, TX 75090
IRA Savings (Traditional)
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
401 W Wilson Ave, Sherman, TX 75090
IRA Savings (Roth)
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
4U Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1901S Heritage Pkwy, Sherman, TX 75092
Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
4U Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.99%
1901S Heritage Pkwy, Sherman, TX 75092
IRA Share Savings
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
307 W Washington St, Sherman, TX 75090
Youth Savings
0.25%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 25, 2026
Details
$5 opening deposit required
City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
401 W Wilson Ave, Sherman, TX 75090
Association Savings
0.20%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
401 W Wilson Ave, Sherman, TX 75090
Business Savings
0.20%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
401 W Wilson Ave, Sherman, TX 75090
Regular Savings/Share
0.20%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
City Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.07%
401 W Wilson Ave, Sherman, TX 75090
Share/Savings
0.20%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Independent Bank Mckinney, TX
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
300 E Taylor St, Sherman, TX 75090
Business Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
TEXOMA EDUCATORS
Institution Rating:
A+5.0 ★Texas Ratio: 0.63%
506 W Lamar St, Sherman, TX 75090 5840
Share (savings)
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
307 W Washington St, Sherman, TX 75090
Personal Savings
0.10%
$50
▼
Rate0.00%
Min Deposit$50
Min Balance—
UpdatedMar 25, 2026
Details
$50 opening deposit required
Neighborhood Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.73%
3530 Crossroads Blvd, Sherman, TX 75090
Kid's 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%
3530 Crossroads Blvd, Sherman, TX 75090
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%
3530 Crossroads Blvd, Sherman, TX 75090
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%
3530 Crossroads Blvd, Sherman, TX 75090
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%
3530 Crossroads Blvd, Sherman, TX 75090
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
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
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
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
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
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
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
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
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
GNB, Gilmer, Texas
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
713 Us Highway 271 N, Gilmer, TX 75644
Savings Account
3.31%
$50
▼
Rate0.00%
Min Deposit$50
Min Balance—
UpdatedMar 20, 2026
Details
Daily compounding interest. Fees could reduce earnings on the account. Additional terms and conditions may apply, contact bank for details.
Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
1177 West Loop S, Houston, TX 77027
Digital High-Yield Savings
3.30%
$50
▼
Rate3.25%
Min Deposit$50
Min Balance—
UpdatedMar 25, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
100 E Avenue G, Silsbee, TX 77656
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Woori America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
2405 S Stemmons Fwy Ste 102 105, Lewisville, TX 75067
WooriWON Savings
3.25%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 22, 2026
Details
Online Only
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
3775 Stagg Dr, Beaumont, TX 77701
360 Performance Savings
3.20%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
The MINT National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
1213 Kingwood Dr, Kingwood, TX 77339
ManageMINT Emerald MMA
3.10%
$0
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Balances $500,000 and above
The MINT National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.18%
1213 Kingwood Dr, Kingwood, TX 77339
MonuMINT Emerald MMA
3.10%
$0
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Balances $250,000 and above
Coleman County State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.78%
610 Wallis Ave, Santa Anna, TX 76878
IRA Savings
3.04%
$100
▼
Rate3.00%
Min Deposit$100
Min Balance—
UpdatedMar 25, 2026
Details
Extraco Banks National Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
800 E Main St, Gatesville, TX 76528
Savings Account
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 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
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Amarillo National Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.79%
410 S Taylor St, Amarillo, TX 79101
Savings
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
American First National Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
1912 Avenue K, Plano, TX 75074
VIP savings account
3.00%
$10,000
▼
Rate0.00%
Min Deposit$10,000
Min Balance—
UpdatedMar 24, 2026
Details
guaranteed through June 30, 2026
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
623 Elm St, Graham, TX 76450
Money Market Savings Account
3.00%
$2,500
▼
Rate2.96%
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.
Sherman, TX Savings Rate Trends
Compare local Sherman, 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 Sherman, 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 Sherman, 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 Sherman, 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 Sherman, 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 Sherman, 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 Sherman, 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 Sherman, Texas?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Sherman, Texas offer in-person customer service, which some customers prefer.
How do I open a savings account in Sherman, 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 Sherman, Texas
Here are recent savings rates observed in Sherman, Texas and the surrounding area:
- Neighborhood Credit Union
Online Savings — 3.60% APY - City Credit Union
IRA Savings (Traditional) — 0.50% APY - 4U Federal Credit Union
Savings — 0.25% APY - BOK Financial
Youth Savings — 0.25% APY - Independent Bank Mckinney, TX
Business Savings — 0.15% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Sherman, Texas. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 25, 2026
