Waco, 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 Waco, Texas and the surrounding area include Extraco Banks National AssociationExtraco Banks National Association1700 N Valley Mills Dr, Waco, TX 76710A+5.0 ★Texas Ratio: 0.79% First Savings at 5.00% APY, PNC BankPNC Bank1227 N Valley Mills Dr, Waco, TX 76710A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, First Guaranty BankFirst Guaranty Bank7600 Woodway Dr, Waco, TX 76712A5.0 ★Texas Ratio: 12.00% Savings Elite at 2.53% APY, Texell Credit UnionTexell Credit Union1221 Hewitt Dr, Waco, TX 76712 8896A+5.0 ★Texas Ratio: 3.58% IRA Savings at 1.10% APY, and FNB of McGregorFNB of McGregor510 N Valley Mills Dr, Waco, TX 76710B+4.8 ★Texas Ratio: 17.66% Edge Ahead Savings at 0.75% APY.
To see how these savings rates in Waco, 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 Waco, Texas (TX) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Waco, Texas and the surrounding area. Last Updated and Verified: March 20, 2026
Waco, TX Savings Rate Trends
Compare local Waco, 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
1.177%
Texas high-yield savings rates currently average 1.177% APY based on data from institutions in our monitoring network.
Standard Savings — TX Avg
0.539%
▲ 0.089 from last week
Texas standard savings rates rose 0.089 points this week to 0.539% APY, up from 0.450% last week.
As of Mar 20, 2026 •
Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Compare the Best Savings Rates in Waco, Texas & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Extraco Banks National Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
1700 N Valley Mills Dr, Waco, TX 76710
First Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Qualifying balance up to $5,000.00
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
1227 N Valley Mills Dr, Waco, TX 76710
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Extraco Banks National Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
1700 N Valley Mills Dr, Waco, TX 76710
Savings Account
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Extraco Banks National Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
1700 N Valley Mills Dr, Waco, TX 76710
Savings Account
2.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
7600 Woodway Dr, Waco, TX 76712
Savings Elite
2.53%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
7600 Woodway Dr, Waco, TX 76712
SAVINGSELITE
2.53%
$25,000
▼
Rate2.50%
Min Deposit$25,000
Min Balance—
UpdatedMar 18, 2026
Details
Balances $25,000.00 or more
Extraco Banks National Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
1700 N Valley Mills Dr, Waco, TX 76710
Savings Account
2.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1221 Hewitt Dr, Waco, TX 76712 8896
IRA Savings
1.10%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 15, 2026
Details
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1221 Hewitt Dr, Waco, TX 76712 8896
cha-ching! Savings
1.00%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 15, 2026
Details
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1221 Hewitt Dr, Waco, TX 76712 8896
Dollar Squad Savings
1.00%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 15, 2026
Details
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1221 Hewitt Dr, Waco, TX 76712 8896
Thr!ve Savings
1.00%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 15, 2026
Details
FNB of McGregor
Institution Rating:
B+4.8 ★Texas Ratio: 17.66%
510 N Valley Mills Dr, Waco, TX 76710
Edge Ahead Savings
0.75%
$50
▼
Rate0.00%
Min Deposit$50
Min Balance—
UpdatedMar 15, 2026
Details
Qualifications Required: 1 direct deposit, ACH debit, or Bill Pay transaction per month; log into online banking at least once a month; a minimum of twelve (12) debit card transactions ($5 min. per transaction) per month; Qualifying balance up to $100,000.00
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX 76701 1364
SAVINGS (PAID QUARTERLY)
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
AVERAGE BALANCES $50,000.00 AND ABOVE
First Central Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.49%
6201 Sanger Ave, Waco, TX 76710
IRA Savings Regular, Roth & Educational
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Educators Credit Union Waco, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
100 BOLLING Dr, WACO, TX 76705
Regular Savings
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Educators Credit Union Waco, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
100 BOLLING Dr, WACO, TX 76705
IRA Savings
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
731 N Valley Mills Dr, Waco, TX 76710 4848
Savings Safari Club Account
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
$100+
First Central Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.49%
6201 Sanger Ave, Waco, TX 76710
TUTMA Savings (birth-21)
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
First Central Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.49%
6201 Sanger Ave, Waco, TX 76710
TUTMA Savings
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
birth-21
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
731 N Valley Mills Dr, Waco, TX 76710 4848
Share (savings) Account
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
$5,000 +
First Central Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.49%
6201 Sanger Ave, Waco, TX 76710
Dream Savings
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
(Monthly)
First Central Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.49%
6201 Sanger Ave, Waco, TX 76710
Business Share Account
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
First Central Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.49%
6201 Sanger Ave, Waco, TX 76710
Regular Share Account
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
1221 Hewitt Dr, Waco, TX 76712 8896
Savings
0.30%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 15, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
731 N Valley Mills Dr, Waco, TX 76710 4848
Share (savings) Account
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
up to $2,500 to $4,999.99
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX 76701 1364
SAVINGS (PAID QUARTERLY)
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
AVERAGE BALANCES $5,000.00 TO $49,999.99
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
7600 Woodway Dr, Waco, TX 76712
Health Savings Account
0.30%
$100
▼
Rate0.30%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
731 N Valley Mills Dr, Waco, TX 76710 4848
Share (savings) Account
0.25%
$5
▼
Rate0.25%
Min Deposit$5
Min Balance—
UpdatedMar 20, 2026
Details
$100 to $2,499.99
Incommons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
5400 Crosslake Pkwy, Waco, TX 76712
Savings
0.25%
$100
▼
Rate0.25%
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.77%
731 N Valley Mills Dr, Waco, TX 76710 4848
Savings Safari Club Account
0.25%
$5
▼
Rate0.25%
Min Deposit$5
Min Balance—
UpdatedMar 20, 2026
Details
$0.01 to $99.99
Mclennan County Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
215 N 5th St Ste 224, Waco, TX 76701 1364
SAVINGS (PAID QUARTERLY)
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
AVERAGE BALANCES $25.01 TO $2,499.99
Independent Bank Mckinney, TX
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
8004 Woodway Dr, Waco, TX 76712
Business Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
7600 Woodway Dr, Waco, TX 76712
Health Savings Account
0.12%
$100
▼
Rate0.12%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details
Heart O\' Texas Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
7500 Imperial Drive, Waco, TX 76712
Share Savings and Escrow Accounts
0.10%
$5
▼
Rate0.10%
Min Deposit$5
Min Balance—
UpdatedMar 20, 2026
Details
Heart O\' Texas Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.49%
7500 Imperial Drive, Waco, TX 76712
Junior Executive Savings Account
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Educators Credit Union Waco, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
100 BOLLING Dr, WACO, TX 76705
Share Draft Checking
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
4631 W Waco Dr, Waco, TX 76710
Special Share
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
4631 W Waco Dr, Waco, TX 76710
SCRATCH Club Share
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
4631 W Waco Dr, Waco, TX 76710
Regular Share
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
4631 W Waco Dr, Waco, TX 76710
Priority Plus Share
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
4631 W Waco Dr, Waco, TX 76710
JAMMS Share
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.18%
4631 W Waco Dr, Waco, TX 76710
IRA Share
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
7600 Woodway Dr, Waco, TX 76712
Health Savings Account
0.07%
$100
▼
Rate0.07%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
7600 Woodway Dr, Waco, TX 76712
Business Savings
0.05%
$100
▼
Rate0.05%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
300 Franklin Ave, Waco, TX 76701
Retirement High Yield Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
7600 Woodway Dr, Waco, TX 76712
Christmas Club Savings
0.05%
$5
▼
Rate0.05%
Min Deposit$5
Min Balance—
UpdatedMar 18, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
7600 Woodway Dr, Waco, TX 76712
Health Savings Account
0.05%
$100
▼
Rate0.05%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
7600 Woodway Dr, Waco, TX 76712
Regular Savings
0.05%
$100
▼
Rate0.05%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
7600 Woodway Dr, Waco, TX 76712
Savings Elite
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
7600 Woodway Dr, Waco, TX 76712
SAVINGSELITE
0.05%
$25,000
▼
Rate0.05%
Min Deposit$25,000
Min Balance—
UpdatedMar 18, 2026
Details
Balances less than $25,000.00
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
1227 N Valley Mills Dr, Waco, TX 76710
Standard Savings
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
1227 N Valley Mills Dr, Waco, TX 76710
Standard Savings
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
300 Franklin Ave, Waco, TX 76701
Platinum Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 15, 2026
Details
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
300 Franklin Ave, Waco, TX 76701
Way2Save Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 15, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
300 Franklin Ave, Waco, TX 76701
Way2Save® Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 15, 2026
Details
How to avoid the $5 monthly service fee
Extraco Banks National Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
1700 N Valley Mills Dr, Waco, TX 76710
Savings Account
0.01%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
Incommons Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.68%
5400 Crosslake Pkwy, Waco, TX 76712
Health Savings Account (HSA)
0.01%
$100
▼
Rate0.01%
Min Deposit$100
Min Balance—
UpdatedMar 20, 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 16, 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
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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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 Waco, 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 Waco, 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 Waco, 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 Waco, 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 Waco, 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 Waco, 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 Waco, Texas?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Waco, Texas offer in-person customer service, which some customers prefer.
How do I open a savings account in Waco, 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 Waco, Texas
Here are recent savings rates observed in Waco, Texas and the surrounding area:
- Extraco Banks National Association
First Savings — 5.00% APY - PNC Bank
PNC High Yield Savings® — 3.25% APY - First Guaranty Bank
Savings Elite — 2.53% APY - Texell Credit Union
IRA Savings — 1.10% APY - FNB of McGregor
Edge Ahead Savings — 0.75% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Waco, Texas. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 20, 2026
