Spring, Texas (TX) Savings Rates - March 2026
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Editorial Disclosure
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 Spring, Texas and the surrounding area include PNC BankPNC Bank1532 Spring Cypress Rd, Spring, TX 77388A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, Capital One BankCapital One Bank2404 Research Forest Dr, Spring, TX 77381A5.0 ★Texas Ratio: 10.41% 360 Performance Savings at 3.20% APY, 5Point Credit Union5Point Credit Union1021 Sawdust Rd Ste 150, Spring, TX 77380 3895A5.0 ★Texas Ratio: 6.33% First Savings Account at 3.00% APY, SHELLSHELL6232 FM 2920 Rd, Spring, TX 77379 3454A+5.0 ★Texas Ratio: 2.74% High Yield eSavings at 3.00% APY, and Energy Capital Credit UnionEnergy Capital Credit UnionNature 2 Bldg LL B250, Spring, TX 77389 1425A5.0 ★Texas Ratio: 7.68% High-Yield Savings - Yes Checking at 2.74% APY.
To see how these savings rates in Spring, 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 Spring, Texas (TX) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Spring, Texas and the surrounding area. Last Updated and Verified: March 22, 2026
Spring, TX Savings Rate Trends
Compare local Spring, 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
1.184%
Texas high-yield savings rates currently average 1.184% APY based on data from institutions in our monitoring network.
Standard Savings — TX Avg
0.539%
Texas standard savings rates currently average 0.539% APY based on data from institutions in our monitoring network.
As of Mar 22, 2026 •
Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Compare the Best Savings Rates in Spring, Texas & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
1532 Spring Cypress Rd, Spring, TX 77388
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
2404 Research Forest Dr, Spring, TX 77381
360 Performance Savings
3.20%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1021 Sawdust Rd Ste 150, Spring, TX 77380 3895
First Savings Account
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Qualifying balance up to $5,000.00
SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
6232 FM 2920 Rd, Spring, TX 77379 3454
High Yield eSavings
3.00%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 22, 2026
Details
Qualifications Required: Have an open eChecking account; Meet all eChecking account qualifications each month; Qualifying balance up to $10,000.00
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
1021 Sawdust Rd Ste 150, Spring, TX 77380 3895
High-Yield Savings Account
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details
Qualifying balance up to $100,000.00
Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
Nature 2 Bldg LL B250, Spring, TX 77389 1425
High-Yield Savings - Yes Checking
2.74%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details
$500-000 - $99,999,999,999
Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
Nature 2 Bldg LL B250, Spring, TX 77389 1425
High-Yield Savings - Yes Checking
2.24%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details
$250,000 - $499,999
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
230 Cypresswood Dr Ste H, Spring, TX 77388
IRA Savings
2.07%
$0
▼
Rate2.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
230 Cypresswood Dr Ste H, Spring, TX 77388
EDU IRA Savings
2.07%
$0
▼
Rate2.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
230 Cypresswood Dr Ste H, Spring, TX 77388
Roth IRA SavingsSEP IRA Savings
2.07%
$0
▼
Rate2.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
Nature 2 Bldg LL B250, Spring, TX 77389 1425
High-Yield Savings
2.00%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 13, 2026
Details
SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
6232 FM 2920 Rd, Spring, TX 77379 3454
High Yield eSavings
2.00%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 22, 2026
Details
Qualifications Required: Have an open eChecking account; Meet all eChecking account qualifications each month; Qualifying balance up to $10,000.00
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
7206 N Grand Pkwy W, Spring, TX 77379 1684
IRA (Savings)
1.75%
$0
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
Nature 2 Bldg LL B250, Spring, TX 77389 1425
High-Yield Savings - Yes Checking
1.74%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details
$50,000 - $249,999
Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
Nature 2 Bldg LL B250, Spring, TX 77389 1425
Business Savings
1.74%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 13, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
215 E Shore Dr, Spring, TX 77380
Savings Money Market
1.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
Nature 2 Bldg LL B250, Spring, TX 77389 1425
High-Yield Savings - No Checking
1.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details
$500-000 - $99,999,999,999
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
215 E Shore Dr, Spring, TX 77380
Savings Money Market
1.40%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
230 Cypresswood Dr Ste H, Spring, TX 77388
Roth IRA SavingsSEP IRA Savings
1.39%
$0
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
230 Cypresswood Dr Ste H, Spring, TX 77388
IRA Savings
1.39%
$0
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
230 Cypresswood Dr Ste H, Spring, TX 77388
EDU IRA Savings
1.39%
$0
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
7206 N Grand Pkwy W, Spring, TX 77379 1684
IRA (Savings)
1.25%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
Nature 2 Bldg LL B250, Spring, TX 77389 1425
High-Yield Savings - No Checking
1.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details
$250,000 - $499,999
Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
Nature 2 Bldg LL B250, Spring, TX 77389 1425
High-Yield Savings - Yes Checking
1.24%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details
$25,000 - $49,999
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
215 E Shore Dr, Spring, TX 77380
Savings Money Market
1.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
Nature 2 Bldg LL B250, Spring, TX 77389 1425
High-Yield Savings - No Checking
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details
$50,000 - $249,999
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
7206 N Grand Pkwy W, Spring, TX 77379 1684
IRA (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%
215 E Shore Dr, Spring, TX 77380
Savings Money Market
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
215 E Shore Dr, Spring, TX 77380
Savings Money Market
0.90%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
7206 N Grand Pkwy W, Spring, TX 77379 1684
IRA (Savings)
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
Nature 2 Bldg LL B250, Spring, TX 77389 1425
High-Yield Savings - No Checking
0.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details
$25,000 - $49,999
Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
Nature 2 Bldg LL B250, Spring, TX 77389 1425
High-Yield Savings - Yes Checking
0.74%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details
$10,000 - $24,999
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
215 E Shore Dr, Spring, TX 77380
Savings Money Market
0.70%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
230 Cypresswood Dr Ste H, Spring, TX 77388
Roth IRA SavingsSEP IRA Savings
0.65%
$0
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
230 Cypresswood Dr Ste H, Spring, TX 77388
IRA Savings
0.65%
$0
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.65%
230 Cypresswood Dr Ste H, Spring, TX 77388
EDU IRA Savings
0.65%
$0
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
8640 Spring Cypress Rd, Spring, TX 77379 3133
IRA Savings Account Rate
0.60%
$0
▼
Rate0.59%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
8640 Spring Cypress Rd, Spring, TX 77379 3133
Coverdell ESA Savings Account Rate
0.60%
$0
▼
Rate0.59%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
7206 N Grand Pkwy W, Spring, TX 77379 1684
IRA (Savings)
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
Nature 2 Bldg LL B250, Spring, TX 77389 1425
High-Yield Savings - No Checking
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details
$10,000 - $24,999
SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
6232 FM 2920 Rd, Spring, TX 77379 3454
Savings
0.10%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 22, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1442 Spring Cypress Rd, Spring, TX 77373
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
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1442 Spring Cypress Rd, Spring, TX 77373
Retirement High Yield Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
215 E Shore Dr, Spring, TX 77380
Savings Account
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifying balance up to $14,999.99
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
1532 Spring Cypress Rd, Spring, TX 77388
Standard Savings
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1442 Spring Cypress Rd, Spring, TX 77373
Platinum Savings
0.02%
$25
▼
Rate0.02%
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%
1532 Spring Cypress Rd, Spring, TX 77388
Standard Savings
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1442 Spring Cypress Rd, Spring, TX 77373
Platinum Savings
0.01%
$25
▼
Rate0.01%
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
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1442 Spring Cypress Rd, Spring, TX 77373
Way2Save® Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
$25 minimum opening deposit
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 16, 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
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
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
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MonitorBankRates
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.
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Spring, 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 Spring, 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 Spring, 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 Spring, 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 Spring, 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 Spring, 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 Spring, Texas?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Spring, Texas offer in-person customer service, which some customers prefer.
How do I open a savings account in Spring, 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 Spring, Texas
Here are recent savings rates observed in Spring, Texas and the surrounding area:
- PNC Bank
PNC High Yield Savings® — 3.25% APY - Capital One Bank
360 Performance Savings — 3.20% APY - 5Point Credit Union
First Savings Account — 3.00% APY - SHELL
High Yield eSavings — 3.00% APY - Energy Capital Credit Union
High-Yield Savings - Yes Checking — 2.74% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Spring, Texas. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 22, 2026
