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Texas Savings Rates 2017

If you have your savings dollars in a bank with low savings rates, then you are losing real money. With the magic of compounding interest, even an interest rate difference under 1% can really add up over time. See our Savings Booster Calculator to see why you should seek out a higher interest rate. The table below has an unbiased list of the savings and money market account rates of FDIC-insured banks that are near your current location (if they aren’t, then change the zip code above). Take a few minutes to explore these options and see how you can boost your savings by more than 6X the national average rate. You may also want to check credit unions near you or online banks by navigating through the tabs above. There is competition for your money. Take advantage of it!

TX - January 19, 2017

Savings Account National Average Rate: 0.13% ?

BANKS APY Vs. Nat'l Av. MIN MILES ?
Capital One, National Association 1.09% 8.72x $10,001 -
NexBank, SSB 1.00% 8.00x $1 -
CrossFirst Bank 1.00% 8.00x $1 -
Capital One, National Association 0.90% 7.20x $10,000 -
Metro City Bank 0.88% 7.04x $5,000 -
Capital One, National Association 0.80% 6.40x $10,001 -
The MINT National Bank 0.80% 6.40x $10,000 -
Plains State Bank 0.80% 6.40x $2,500 -
Gladewater National Bank 0.75% 6.00x $10,000 -
Amistad Bank 0.70% 5.60x $25,000 -
Texas Bank 0.70% 5.60x $10,000 -
Providence Bank of Texas, ssb 0.65% 5.20x $1 -
Sundown State Bank 0.65% 5.20x $25,000 -
Lone Star Bank 0.65% 5.20x $1 -
Sundown State Bank 0.55% 4.40x $200 -
Citizens State Bank 0.54% 4.32x $100 -
Bank of Brenham, National Association 0.54% 4.32x $100 -
Industry State Bank 0.54% 4.32x $1 -
The First National Bank of Shiner 0.54% 4.32x $50 -
Fayetteville Bank 0.54% 4.32x $100 -
The First National Bank of Bellville 0.54% 4.32x $1 -
Guaranty Bank & Trust, N.A. 0.51% 4.08x $25,000 -
Wallis State Bank 0.50% 4.00x $1 -
Citizens Bank 0.50% 4.00x $2,000 -
Sundown State Bank 0.50% 4.00x $1,000 -
United Texas Bank 0.50% 4.00x $25,001 -
Texas Heritage National Bank 0.50% 4.00x $2,500 -
Plains State Bank 0.50% 4.00x $50 -
Austin Capital Bank SSB 0.50% 4.00x $10,000 -
Fannin Bank 0.50% 4.00x $20,000 -
Texas Republic Bank, National Association 0.50% 4.00x $100 -
Lone Star Bank 0.50% 4.00x $1 -
NewFirst National Bank 0.50% 4.00x $25,000 -
Farmers Bank & Trust Company 0.50% 4.00x $25,000 -
Capital One, National Association 0.50% 4.00x $1,000,001 -
Greater State Bank 0.50% 4.00x $2,500 -
Brush Country Bank 0.50% 4.00x $500 -
First-Lockhart National Bank 0.50% 4.00x $25,000 -
Stockmans Bank 0.48% 3.84x $25,000 -
Fayette Savings Bank, SSB 0.45% 3.60x $10,000 -
NewFirst National Bank 0.45% 3.60x $25,000 -
The Citizens National Bank of Hillsboro 0.45% 3.60x $25,000 -
Westbound Bank 0.45% 3.60x $25,000 -
Central National Bank 0.45% 3.60x $5,000 -
Stockmans Bank 0.43% 3.44x $10,000 -
Stockmans Bank 0.42% 3.36x $2,500 -
Integrity Bank, SSB 0.40% 3.20x $10,000 -
First State Bank of Uvalde 0.40% 3.20x $1,500 -
Pioneer Bank, SSB 0.40% 3.20x $25,000 -
Spring Hill State Bank 0.40% 3.20x $2,500 -
Texas Bank Financial 0.40% 3.20x $25,000 -
Platinum Bank 0.40% 3.20x $25 -
The Citizens National Bank of Hillsboro 0.40% 3.20x $1 -
The MINT National Bank 0.40% 3.20x $1 -
FirstCapital Bank of Texas, National Association 0.40% 3.20x $300 -
Wallis State Bank 0.40% 3.20x $2,500 -
Westbound Bank 0.40% 3.20x $10,000 -
Farmers Bank & Trust Company 0.40% 3.20x $10,000 -
NewFirst National Bank 0.40% 3.20x $10,000 -
The First National Bank of Beeville 0.37% 2.96x $1 -
Guaranty Bank & Trust, N.A. 0.36% 2.88x $1,000 -
Rio Bank 0.36% 2.88x $25,001 -
AIMBank 0.35% 2.80x $25,000 -
R Bank 0.35% 2.80x $200 -
Central National Bank 0.35% 2.80x $25,000 -
Texas Heritage National Bank 0.35% 2.80x $100 -
Gladewater National Bank 0.35% 2.80x $200 -
State Bank of De Kalb 0.35% 2.80x $10,001 -
Normangee State Bank 0.35% 2.80x $25,000 -
Fannin Bank 0.35% 2.80x $10,000 -
Grand Bank of Texas 0.35% 2.80x $25,000 -
Round Top State Bank 0.35% 2.80x $100 -
Westbound Bank 0.35% 2.80x $2,500 -
American Bank, National Association 0.35% 2.80x $25,000 -
Texas National Bank 0.35% 2.80x $25,000 -
The Yoakum National Bank 0.35% 2.80x $100 -
Stockmans Bank 0.35% 2.80x $1 -
Frontier Bank of Texas 0.35% 2.80x $20,000 -
Southwestern National Bank 0.33% 2.64x $10,000 -
Southwestern National Bank 0.32% 2.56x $1,000 -
First State Bank 0.30% 2.40x $5,000 -
Fayette Savings Bank, SSB 0.30% 2.40x $100 -
FirstCapital Bank of Texas, National Association 0.30% 2.40x $1 -
First-Lockhart National Bank 0.30% 2.40x $2,501 -
Anthem Bank & Trust 0.30% 2.40x $10,000 -
Amarillo National Bank 0.30% 2.40x $1,000 -
Allegiance Bank 0.30% 2.40x $1 -
Synergy Bank, S.S.B. 0.30% 2.40x $10,000 -
Amistad Bank 0.30% 2.40x $2,500 -
The First National Bank of McGregor 0.30% 2.40x $10,001 -
Preferred Bank 0.30% 2.40x $1 -
Capital Bank 0.30% 2.40x $25,000 -
Carmine State Bank 0.30% 2.40x $10 -
Austin Capital Bank SSB 0.30% 2.40x $1 -
Normangee State Bank 0.30% 2.40x $200 -
Bank of South Texas 0.30% 2.40x $2,500 -
Citizens National Bank of Texas 0.30% 2.40x $25,000 -
Mineola Community Bank, S.S.B. 0.30% 2.40x $2,500 -
Henderson Federal Savings Bank 0.30% 2.40x $15,000 -
The Citizens National Bank of Hillsboro 0.30% 2.40x $100 -
Platinum Bank 0.30% 2.40x $25,000 -
First State Bank of Uvalde 0.30% 2.40x $100 -
American First National Bank 0.30% 2.40x $25,000 -
Texas Bank 0.30% 2.40x $2,500 -
TBK BANK, SSB 0.30% 2.40x $10,000 -
Providence Bank of Texas, ssb 0.30% 2.40x $25,000 -
First State Bank 0.30% 2.40x $100 -
Metro City Bank 0.30% 2.40x $25,000 -
Beal Bank, SSB 0.30% 2.40x $25,000 -
Texas National Bank 0.29% 2.32x $25,000 -
Southwestern National Bank 0.28% 2.24x $10,000 -
First Bank & Trust 0.27% 2.16x $25,000 -
Bank of Brenham, National Association 0.26% 2.08x $25,000 -
The First National Bank of Bellville 0.26% 2.08x $25,000 -
The First National Bank of Shiner 0.26% 2.08x $25,000 -
WestStar Bank 0.26% 2.08x $100 -
Fayetteville Bank 0.26% 2.08x $25,000 -
Citizens State Bank 0.26% 2.08x $25,000 -
Industry State Bank 0.26% 2.08x $25,000 -
Golden Bank, National Association 0.25% 2.00x $100 -
Capital Bank of Texas 0.25% 2.00x $10,000 -
Fayette Savings Bank, SSB 0.25% 2.00x $2,500 -
R Bank 0.25% 2.00x $5,000 -
Bank of Commerce 0.25% 2.00x $1,000 -
USAA Federal Savings Bank 0.25% 2.00x $25,000 -
The American National Bank of Mount Pleasant 0.25% 2.00x $25,000 -
The First National Bank of Lipan 0.25% 2.00x $2,500 -
Bank of South Texas 0.25% 2.00x $50 -
Carmine State Bank 0.25% 2.00x $5,000 -
Texas Regional Bank 0.25% 2.00x $25,000 -
The First National Bank of Bastrop 0.25% 2.00x $1,500 -
POINTWEST BANK 0.25% 2.00x $25,001 -
The State National Bank in West 0.25% 2.00x $1 -
Post Oak Bank, N.A. 0.25% 2.00x $25,000 -
United Texas Bank 0.25% 2.00x $500 -
State Bank of De Kalb 0.25% 2.00x $1,000 -
Southwestern National Bank 0.25% 2.00x $1,000 -
American Bank, National Association 0.25% 2.00x $100 -
The First National Bank of McGregor 0.25% 2.00x $25,001 -
Texas National Bank of Jacksonville 0.25% 2.00x $100 -
The Yoakum National Bank 0.25% 2.00x $1,000 -
Preferred Bank 0.25% 2.00x $25,000 -
Central Bank 0.25% 2.00x $25,000 -
The Chasewood Bank 0.25% 2.00x $25,000 -
Burton State Bank 0.25% 2.00x $20,000 -
The First National Bank of Anderson 0.25% 2.00x $1 -
Round Top State Bank 0.25% 2.00x $25,000 -
Central National Bank 0.25% 2.00x $1 -
Citizens State Bank 0.25% 2.00x $300 -
Normangee State Bank 0.25% 2.00x $10,000 -
Mineola Community Bank, S.S.B. 0.25% 2.00x $50 -
First National Bank of Central Texas 0.25% 2.00x $1 -
Citizens State Bank 0.25% 2.00x $10,000 -
Cypress Bank, SSB 0.25% 2.00x $10,001 -
Fannin Bank 0.25% 2.00x $200 -
Cendera Bank, National Association 0.25% 2.00x $10,000 -
Texas Star Bank 0.25% 2.00x $1 -
First State Bank 0.25% 2.00x $100 -
Texas Republic Bank, National Association 0.25% 2.00x $25,000 -
Lone Star State Bank of West Texas 0.25% 2.00x $25,000 -
Citizens National Bank of Texas 0.25% 2.00x $200 -
First State Bank 0.25% 2.00x $1 -
Citizens Bank 0.25% 2.00x $50 -
The Hondo National Bank 0.25% 2.00x $25,000 -
Pioneer Bank, SSB 0.25% 2.00x $1 -
NewFirst National Bank 0.25% 2.00x $1 -
Prosperity Bank 0.25% 2.00x $1 -
Texas National Bank 0.25% 2.00x $1 -
First State Bank 0.25% 2.00x $1,000 -
Texas Citizens Bank, National Association 0.25% 2.00x $25,000 -
Integrity Bank, SSB 0.25% 2.00x $1 -
American First National Bank 0.25% 2.00x $10,000 -
The Comanche National Bank 0.25% 2.00x $25,000 -
CrossFirst Bank 0.25% 2.00x $1 -
Synergy Bank, S.S.B. 0.25% 2.00x $250 -
Security State Bank 0.25% 2.00x $2,500 -
Hamlin National Bank 0.25% 2.00x $50 -
Spirit of Texas Bank, SSB 0.25% 2.00x $5,000 -
Frontier Bank of Texas 0.25% 2.00x $1,000 -
Zavala County Bank 0.25% 2.00x $25,000 -
City Bank 0.25% 2.00x $25,000 -
Beal Bank, SSB 0.25% 2.00x $500 -
State Bank of Texas 0.25% 2.00x $25,000 -
Citizens State Bank 0.23% 1.84x $25,000 -
Peoples Bank 0.23% 1.80x $2,500 -
The First National Bank of Gilmer 0.21% 1.68x $50 -
Texas National Bank 0.21% 1.68x $1 -
First State Bank 0.20% 1.60x $1 -
Lone Star State Bank of West Texas 0.20% 1.60x $1 -
InterBank 0.20% 1.60x $1 -
Golden Bank, National Association 0.20% 1.60x $2,500 -
The Buckholts State Bank 0.20% 1.60x $25,000 -
Citizens State Bank 0.20% 1.60x $200 -
Platinum Bank 0.20% 1.60x $2,500 -
Frontier Bank of Texas 0.20% 1.60x $10 -
Preferred Bank 0.20% 1.60x $1 -
Austin County State Bank 0.20% 1.60x $1 -
Burton State Bank 0.20% 1.60x $1 -
Origin Bank 0.20% 1.60x $25,000 -
State Bank of De Kalb 0.20% 1.60x $25 -
Capital Bank of Texas 0.20% 1.60x $2,500 -
City Bank 0.20% 1.60x $1,500 -
Normangee State Bank 0.20% 1.60x $10,000 -
The First National Bank of Moody 0.20% 1.60x $1 -
The First National Bank of Lipan 0.20% 1.60x $100 -
Texas Bank 0.20% 1.60x $1 -
Integrity Bank, SSB 0.20% 1.60x $1 -
Cathay Bank 0.20% 1.60x $10,000 -
The First National Bank of Bastrop 0.20% 1.60x $50 -
POINTWEST BANK 0.20% 1.60x $10,001 -
The American National Bank of Mount Pleasant 0.20% 1.60x $1,000 -
Farmers Bank & Trust Company 0.20% 1.60x $100 -
Bridge City State Bank 0.20% 1.60x $100 -
Crowell State Bank 0.20% 1.60x $2,500 -
Peoples State Bank of Hallettsville 0.20% 1.60x $5 -
Castroville State Bank 0.20% 1.60x $25,000 -
Grand Bank of Texas 0.20% 1.60x $1,000 -
First National Bank 0.20% 1.60x $2,500 -
First National Bank of Hereford 0.20% 1.60x $25,000 -
Capital Bank, SSB 0.20% 1.60x $25,000 -
The First National Bank of McGregor 0.20% 1.60x $2,501 -
The First National Bank of Hebbronville 0.20% 1.60x $2,500 -
The Bank of River Oaks 0.20% 1.60x $25,000 -
The State National Bank of Groom 0.20% 1.60x $2,500 -
Central Bank 0.20% 1.60x $1 -
Post Oak Bank, N.A. 0.20% 1.60x $1 -
R Bank 0.20% 1.60x $5,000 -
The Hondo National Bank 0.20% 1.60x $1,500 -
American Momentum Bank 0.20% 1.60x $1 -
First State Bank of Bedias 0.20% 1.60x $1 -
Round Top State Bank 0.20% 1.60x $2,500 -
Henderson Federal Savings Bank 0.20% 1.60x $200 -
Classic Bank, National Association 0.20% 1.60x $2,500 -
Citizens State Bank 0.20% 1.60x $1,000 -
Allegiance Bank 0.20% 1.60x $25,000 -
The Pecos County State Bank 0.20% 1.60x $25,000 -
The First National Bank in Cooper 0.20% 1.60x $2,500 -
American First National Bank 0.20% 1.60x $100 -
Independent Bank 0.20% 1.60x $25,000 -
Inwood National Bank 0.20% 1.60x $1,000 -
Texas Heritage Bank 0.20% 1.60x $50 -
Muenster State Bank 0.20% 1.60x $25,000 -
First State Bank 0.20% 1.60x $25,000 -
The First National Bank of Tom Bean 0.20% 1.60x $1,000 -
The Comanche National Bank 0.20% 1.60x $100 -
First State Bank 0.20% 1.60x $1,500 -
First Security State Bank 0.20% 1.60x $25,000 -
Fidelity Bank 0.20% 1.60x $25,000 -
Commercial State Bank 0.20% 1.60x $100 -
First Bank & Trust 0.20% 1.60x $2,500 -
Texas Republic Bank, National Association 0.20% 1.60x $10,000 -
FirstCapital Bank of Texas, National Association 0.20% 1.60x $1 -
National Bank 0.20% 1.60x $25,000 -
HomeTown Bank, National Association 0.20% 1.60x $25,000 -
Citizens National Bank at Brownwood 0.20% 1.60x $25,000 -
Zavala County Bank 0.20% 1.60x $1,500 -
TrustTexas Bank, SSB 0.20% 1.60x $25 -
Spring Hill State Bank 0.20% 1.60x $100 -
Ciera Bank 0.20% 1.60x $10,000 -
Beal Bank, SSB 0.20% 1.60x $1,000 -
The Donley County State Bank 0.20% 1.60x $2,500 -
Community Bank & Trust, Waco, Texas 0.20% 1.60x $25,000 -
Northstar Bank of Texas 0.20% 1.60x $2,500 -
Community National Bank 0.20% 1.60x $25,000 -
The Blanco National Bank 0.20% 1.60x $2,500 -
Capital Bank 0.20% 1.60x $25,000 -
Amarillo National Bank 0.20% 1.60x $1 -
Carmine State Bank 0.20% 1.60x $1 -
MidSouth Bank, National Association 0.20% 1.60x $25,000 -
Wallis State Bank 0.20% 1.60x $1 -
Spirit of Texas Bank, SSB 0.20% 1.60x $1,000 -
Marion State Bank 0.20% 1.60x $25,000 -
BTH Bank, National Association 0.20% 1.60x $1 -
First-Lockhart National Bank 0.20% 1.60x $50 -
Providence Bank of Texas, ssb 0.20% 1.60x $1 -
JPMorgan Chase Bank, National Association 0.20% 1.60x $10,000 -
The First National Bank of Mount Vernon 0.20% 1.60x $25,000 -
Westbound Bank 0.20% 1.60x $300 -
SouthStar Bank, S.S.B. 0.20% 1.60x $10,000 -
BBCN Bank 0.20% 1.60x $500 -
Texas Bank Financial 0.20% 1.60x $2,500 -
Capital One, National Association 0.20% 1.60x $1 -
Texas Hill Country Bank 0.20% 1.60x $25,000 -
Hanmi Bank 0.20% 1.60x $10,000 -
NBH Bank 0.20% 1.60x $25,000 -
Synergy Bank, S.S.B. 0.20% 1.60x $10,000 -
USAA Federal Savings Bank 0.20% 1.60x $10,000 -
Trustmark National Bank 0.20% 1.60x $25,000 -
Enloe State Bank 0.20% 1.60x $2,500 -
Anthem Bank & Trust 0.20% 1.60x $2,500 -
Cadence Bank, N.A. 0.20% 1.60x $15,000 -
Industry State Bank 0.19% 1.52x $1,000 -
The First National Bank of Bellville 0.19% 1.52x $1,000 -
Capital Bank, SSB 0.19% 1.52x $100 -
The First National Bank of Shiner 0.19% 1.52x $1,000 -
Fayetteville Bank 0.19% 1.52x $1,000 -
Citizens State Bank 0.18% 1.46x $10,000 -
Mills County State Bank 0.18% 1.44x $1,000 -
Rio Bank 0.17% 1.36x $2,500 -
Texas Regional Bank 0.17% 1.36x $25,000 -
Bank of Brenham, National Association 0.16% 1.28x $1,000 -
American Bank of Commerce 0.16% 1.28x $10,000 -
The Comanche National Bank 0.15% 1.20x $1,500 -
The Falls City National Bank 0.15% 1.20x $300 -
Lubbock National Bank 0.15% 1.20x $25,000 -
Ciera Bank 0.15% 1.20x $1 -
Post Oak Bank, N.A. 0.15% 1.20x $1 -
American Bank, National Association 0.15% 1.20x $2,500 -
The Santa Anna National Bank 0.15% 1.20x $1 -
InterBank 0.15% 1.20x $1 -
Community National Bank 0.15% 1.20x $50 -
Fidelity Bank 0.15% 1.20x $2,500 -
Alliance Bank 0.15% 1.20x $1 -
Bridge City State Bank 0.15% 1.20x $1 -
The City National Bank of Sulphur Springs 0.15% 1.20x $100 -
First National Bank of Dublin 0.15% 1.20x $25,000 -
Texas Star Bank 0.15% 1.20x $100 -
Riverbend Bank 0.15% 1.20x $20,000 -
The First National Bank of Mount Vernon 0.15% 1.20x $10,000 -
First State Bank of Odem 0.15% 1.20x $100 -
First Savings Bank 0.15% 1.20x $5,000 -
First United Bank 0.15% 1.20x $25,000 -
SNB Bank, National Association 0.15% 1.20x $1 -
The Commercial National Bank of Brady 0.15% 1.20x $2,500 -
First National Bank 0.15% 1.20x $100 -
First National Bank of Hereford 0.15% 1.20x $100 -
First Bank & Trust 0.15% 1.20x $100 -
AccessBank Texas 0.15% 1.20x $25,000 -
First State Bank 0.15% 1.20x $10,000 -
Bank of Commerce 0.15% 1.20x $25 -
The Hondo National Bank 0.15% 1.20x $200 -
Citizens State Bank 0.15% 1.20x $100 -
Green Bank, National Association 0.15% 1.20x $1 -
Elsa State Bank and Trust Company 0.15% 1.20x $500 -
United Bank of El Paso del Norte 0.15% 1.20x $10,000 -
Community Bank & Trust, Waco, Texas 0.15% 1.20x $100 -
Spirit of Texas Bank, SSB 0.15% 1.20x $100 -
POINTWEST BANK 0.15% 1.20x $2,501 -
Colonial Savings, F.A. 0.15% 1.20x $1 -
Central National Bank 0.15% 1.20x $1,000 -
The First National Bank of Albany 0.15% 1.20x $100 -
Security State Bank 0.15% 1.20x $100 -
Titan Bank, N.A. 0.15% 1.20x $25,000 -
The State National Bank of Groom 0.15% 1.20x $10 -
Grapeland State Bank 0.15% 1.20x $100 -
Texas Bank 0.15% 1.20x $25,000 -
The First National Bank of Trenton 0.15% 1.20x $25,000 -
The First National Bank of Tom Bean 0.15% 1.20x $100 -
The First National Bank of Woodsboro 0.15% 1.20x $2,500 -
First Community Bank 0.15% 1.20x $10,000 -
The First National Bank of Ballinger 0.15% 1.20x $25,000 -
Texas State Bank 0.15% 1.20x $25,000 -
State Bank of Texas 0.15% 1.20x $10,000 -
The Dublin National Bank 0.15% 1.20x $2,500 -
The State National Bank of Big Spring 0.15% 1.20x $250 -
Texas National Bank 0.15% 1.20x $300 -
The First National Bank of Hebbronville 0.15% 1.20x $100 -
First National Bank of Lake Jackson 0.15% 1.20x $1,000 -
Pearland State Bank 0.15% 1.20x $200 -
Marion State Bank 0.15% 1.20x $100 -
Heritage Bank 0.15% 1.20x $100 -
Capital Bank 0.15% 1.20x $100 -
The Chasewood Bank 0.15% 1.20x $2,500 -
Hill Bank & Trust Co. 0.15% 1.20x $100 -
Austin Capital Bank SSB 0.15% 1.20x $100 -
Citizens State Bank of Luling 0.15% 1.20x $1 -
Lone Star National Bank 0.15% 1.20x $25,000 -
Vantage Bank Texas 0.15% 1.20x $25,000 -
Austin County State Bank 0.15% 1.20x $10,000 -
R Bank 0.15% 1.20x $1,500 -
Union State Bank 0.15% 1.20x $25 -
Zavala County Bank 0.15% 1.20x $50 -
First National Bank of Huntsville 0.15% 1.20x $25,000 -
Lone Star State Bank of West Texas 0.15% 1.20x $5,000 -
Texas National Bank of Jacksonville 0.15% 1.20x $2,500 -
Citizens State Bank 0.15% 1.20x $1 -
The Waggoner National Bank of Vernon 0.15% 1.20x $1,000 -
The First National Bank of Evant 0.15% 1.20x $15,000 -
First National Bank of Burleson 0.15% 1.20x $25,000 -
The First National Bank of Sonora 0.15% 1.20x $25,000 -
Community National Bank 0.15% 1.20x $100 -
The Pecos County State Bank 0.15% 1.20x $10,000 -
The Morris County National Bank of Naples 0.15% 1.20x $100 -
Citizens National Bank 0.15% 1.20x $1 -
Liberty Bank 0.15% 1.20x $200 -
Pilgrim Bank 0.15% 1.20x $25,000 -
Cypress Bank, SSB 0.15% 1.20x $50 -
The First National Bank in Cooper 0.15% 1.20x $200 -
The Liberty National Bank in Paris 0.15% 1.20x $25,000 -
NexBank, SSB 0.15% 1.20x $1 -
The Jacksboro National Bank 0.15% 1.20x $25,000 -
Independent Bank 0.15% 1.20x $50 -
Cendera Bank, National Association 0.15% 1.20x $1,000 -
First National Bank of Alvin 0.15% 1.20x $200 -
Muenster State Bank 0.15% 1.20x $100 -
Western Bank 0.15% 1.20x $2,500 -
HomeTown Bank, National Association 0.15% 1.20x $300 -
The First National Bank of Quitaque 0.15% 1.20x $2,500 -
TrustTexas Bank, SSB 0.15% 1.20x $10,000 -
AIMBank 0.15% 1.20x $1 -
First Security State Bank 0.15% 1.20x $10,000 -
USAA Federal Savings Bank 0.15% 1.20x $10,000 -
Coleman County State Bank 0.15% 1.20x $25,001 -
First Bank 0.15% 1.20x $25,000 -
Veritex Community Bank 0.15% 1.20x $10,000 -
First Commercial Bank, National Association 0.15% 1.20x $25,000 -
Sage Capital Bank, National Association 0.15% 1.20x $25,000 -
Arrowhead Bank 0.15% 1.20x $25,000 -
First National Bank in Port Lavaca 0.15% 1.20x $1 -
Texas Bank and Trust Company 0.15% 1.20x $1 -
The First National Bank of Winnsboro 0.15% 1.20x $25,000 -
First National Bank of Central Texas 0.15% 1.20x $1 -
First State Bank 0.15% 1.20x $10,000 -
Classic Bank, National Association 0.15% 1.20x $500 -
Texas Citizens Bank, National Association 0.15% 1.20x $2,500 -
Vista Bank 0.15% 1.20x $25,000 -
The Lytle State Bank of Lytle, Texas 0.15% 1.20x $500 -
JPMorgan Chase Bank, National Association 0.15% 1.20x $2,000 -
Citizens Bank 0.15% 1.20x $1 -
Castroville State Bank 0.15% 1.20x $50 -
Cathay Bank 0.15% 1.20x $10,000 -
The First National Bank of Tahoka 0.15% 1.20x $100 -
TBK BANK, SSB 0.15% 1.20x $1 -
SouthStar Bank, S.S.B. 0.15% 1.20x $200 -
Origin Bank 0.15% 1.20x $50 -
The Donley County State Bank 0.15% 1.20x $100 -
Herring Bank 0.15% 1.20x $10,000 -
Citizens State Bank 0.15% 1.20x $2,000 -
Pointbank 0.15% 1.20x $25,000 -
West Texas State Bank 0.15% 1.20x $2,500 -
Atascosa National Bank 0.15% 1.20x $15,000 -
The First National Bank of Paducah 0.15% 1.20x $2,500 -
Bank of the Ozarks 0.15% 1.20x $25,000 -
American First National Bank 0.15% 1.20x $2,500 -
FSNB, National Association 0.15% 1.20x $1 -
LegacyTexas Bank 0.15% 1.20x $25,000 -
Greater State Bank 0.15% 1.20x $100 -
Prosperity Bank 0.15% 1.20x $2,500 -
City Bank 0.15% 1.20x $100 -
First Bank & Trust 0.15% 1.20x $1 -
Citizens National Bank at Brownwood 0.15% 1.20x $1,000 -
NBH Bank 0.15% 1.20x $1 -
Texas Gulf Bank, National Association 0.15% 1.20x $20,000 -
Mills County State Bank 0.15% 1.20x $100 -
The Buckholts State Bank 0.15% 1.20x $2,500 -
Bank SNB 0.15% 1.20x $25,000 -
Grandview Bank 0.15% 1.20x $25,000 -
Enloe State Bank 0.15% 1.20x $1 -
First Bank Texas, SSB 0.15% 1.20x $10,000 -
First Federal Bank Littlefield, Texas 0.15% 1.20x $1 -
Farmers Bank & Trust Company 0.15% 1.20x $25,000 -
Tejas Bank 0.15% 1.20x $25,000 -
MidSouth Bank, National Association 0.14% 1.12x $2,500 -
SNB Bank, National Association 0.14% 1.12x $25,000 -
Peoples Bank 0.14% 1.12x $100 -
Southside Bank 0.14% 1.12x $20,000 -
Citizens 1st Bank 0.13% 1.04x $1,000 -
Citizens State Bank 0.13% 1.04x $2,000 -
Citizens State Bank 0.13% 1.04x $1,000 -
Commerce Bank Texas 0.13% 1.04x $20,000 -
Great Southern Bank 0.12% 0.96x $25,000 -
Texas Regional Bank 0.12% 0.96x $10,000 -
American Bank of Commerce 0.12% 0.96x $1,000 -
Capital Bank, SSB 0.12% 0.96x $10,000 -
Texas Bank 0.12% 0.96x $10,000 -
First State Bank and Trust Company 0.12% 0.96x $25,000 -
Austin Bank, Texas National Association 0.12% 0.96x $20,000 -
Sage Capital Bank, National Association 0.12% 0.96x $10,000 -
Southside Bank 0.12% 0.96x $20,000 -
First United Bank and Trust Company 0.12% 0.96x $25,000 -
SNB Bank, National Association 0.12% 0.96x $10,000 -
First State Bank and Trust Company 0.11% 0.88x $2,500 -
Community National Bank 0.11% 0.88x $25,000 -
Pioneer Bank 0.11% 0.88x $15,000 -
Vantage Bank Texas 0.10% 0.80x $1 -
The Liberty National Bank in Paris 0.10% 0.80x $100 -
HomeTown Bank, National Association 0.10% 0.80x $2,500 -
First State Bank of Odem 0.10% 0.80x $5,000 -
Texas Champion Bank 0.10% 0.80x $1 -
Herring Bank 0.10% 0.80x $100 -
The First National Bank of Tom Bean 0.10% 0.80x $1 -
Llano National Bank 0.10% 0.80x $2,500 -
Grand Bank of Texas 0.10% 0.80x $300 -
First National Bank of Burleson 0.10% 0.80x $1,000 -
Texas First Bank 0.10% 0.80x $300 -
First National Bank of Dublin 0.10% 0.80x $100 -
Farmers and Merchants Bank 0.10% 0.80x $1,000 -
Normangee State Bank 0.10% 0.80x $2,500 -
First Texas Bank 0.10% 0.80x $25,000 -
Washington Federal, National Association 0.10% 0.80x $100 -
Charter Bank 0.10% 0.80x $1 -
Atascosa National Bank 0.10% 0.80x $100 -
Austin Bank, Texas National Association 0.10% 0.80x $100 -
Farmers Bank & Trust Company 0.10% 0.80x $1,000 -
Texas State Bank 0.10% 0.80x $100 -
First State Bank 0.10% 0.80x $100 -
Jefferson Bank 0.10% 0.80x $1 -
Texas State Bank 0.10% 0.80x $100 -
Pegasus Bank 0.10% 0.80x $2,500 -
Lubbock National Bank 0.10% 0.80x $1 -
Falcon International Bank 0.10% 0.80x $1 -
Coleman County State Bank 0.10% 0.80x $1 -
TrustTexas Bank, SSB 0.10% 0.80x $1,000 -
First National Bank of Lake Jackson 0.10% 0.80x $1 -
First United Bank 0.10% 0.80x $5,000 -
The Pecos County State Bank 0.10% 0.80x $500 -
Origin Bank 0.10% 0.80x $1 -
First State Bank Central Texas 0.10% 0.80x $25,000 -
North Dallas Bank & Trust Co. 0.10% 0.80x $25,000 -
United Texas Bank 0.10% 0.80x $1 -
Wellington State Bank 0.10% 0.80x $1 -
Commercial State Bank 0.10% 0.80x $200 -
Lone Star National Bank 0.10% 0.80x $50 -
Panola National Bank 0.10% 0.80x $100 -
First State Bank of Burnet 0.10% 0.80x $1 -
Valliance Bank 0.10% 0.80x $100 -
Justin State Bank 0.10% 0.80x $15,000 -
The National Bank of Andrews 0.10% 0.80x $100 -
Citizens National Bank 0.10% 0.80x $100 -
First Community Bank 0.10% 0.80x $100 -
The Bank and Trust, S.S.B. 0.10% 0.80x $100 -
The Commercial National Bank of Brady 0.10% 0.80x $1 -
Lone Star Capital Bank, National Association 0.10% 0.80x $50 -
First Commercial Bank, National Association 0.10% 0.80x $500 -
Pilgrim Bank 0.10% 0.80x $100 -
Union State Bank 0.10% 0.80x $1,000 -
American National Bank & Trust 0.10% 0.80x $25,000 -
The First National Bank of Woodsboro 0.10% 0.80x $100 -
PlainsCapital Bank 0.10% 0.80x $25,000 -
Sage Capital Bank, National Association 0.10% 0.80x $100 -
Texas Bank 0.10% 0.80x $100 -
First United Bank and Trust Company 0.10% 0.80x $100 -
First National Bank Texas 0.10% 0.80x $25,000 -
The First National Bank of Sonora 0.10% 0.80x $25 -
The First National Bank of Trenton 0.10% 0.80x $1 -
Legend Bank, N.A. 0.10% 0.80x $10,000 -
The First National Bank of Mount Vernon 0.10% 0.80x $25 -
The First National Bank of Paducah 0.10% 0.80x $25 -
Sabine State Bank and Trust Company 0.10% 0.80x $200 -
First National Bank and Trust Company of Weatherford 0.10% 0.80x $25,000 -
The Dublin National Bank 0.10% 0.80x $150 -
Farmers State Bank 0.10% 0.80x $100 -
The First National Bank of Winnsboro 0.10% 0.80x $100 -
The First National Bank of McGregor 0.10% 0.80x $1,000 -
Community Bank & Trust, Waco, Texas 0.10% 0.80x $2,500 -
Pearland State Bank 0.10% 0.80x $2,500 -
West Texas State Bank 0.10% 0.80x $50 -
Ciera Bank 0.10% 0.80x $2,500 -
Northstar Bank of Texas 0.10% 0.80x $250 -
Capital Bank 0.10% 0.80x $1 -
NewFirst National Bank 0.10% 0.80x $100 -
The Roscoe State Bank 0.10% 0.80x $200 -
Citizens State Bank of Luling 0.10% 0.80x $1 -
TexStar National Bank 0.10% 0.80x $100 -
Austin County State Bank 0.10% 0.80x $1,500 -
CommunityBank of Texas, N.A. 0.10% 0.80x $1,500 -
Texas Bank and Trust Company 0.10% 0.80x $1 -
Commercial Bank of Texas, National Association 0.10% 0.80x $25,000 -
First State Bank and Trust Company 0.10% 0.80x $100 -
First National Bank of Huntsville 0.10% 0.80x $1 -
Citizens National Bank of Texas 0.10% 0.80x $2,500 -
The First National Bank of Evant 0.10% 0.80x $100 -
Arrowhead Bank 0.10% 0.80x $10,000 -
The First National Bank of Eagle Lake 0.10% 0.80x $20,000 -
Citizens National Bank at Brownwood 0.10% 0.80x $100 -
Citizens State Bank 0.10% 0.80x $100 -
The First National Bank of Ballinger 0.10% 0.80x $10,000 -
The First National Bank of Sterling City 0.10% 0.80x $2,500 -
United Bank of El Paso del Norte 0.10% 0.80x $1 -
Extraco Banks, National Association 0.10% 0.80x $10,000 -
The State National Bank of Big Spring 0.10% 0.80x $25,001 -
Broadway National Bank 0.10% 0.80x $1 -
The Morris County National Bank of Naples 0.10% 0.80x $2,500 -
The First Bank of Celeste 0.10% 0.80x $100 -
Lakeside National Bank 0.10% 0.80x $200 -
First Federal Community Bank, SSB 0.10% 0.80x $10,000 -
Texas Security Bank 0.10% 0.80x $1 -
Sovereign Bank 0.10% 0.80x $1 -
Texas Capital Bank, National Association 0.10% 0.80x $25,000 -
AccessBank Texas 0.10% 0.80x $1 -
Independent Bank 0.10% 0.80x $1 -
Inwood National Bank 0.10% 0.80x $100 -
Cendera Bank, National Association 0.10% 0.80x $100 -
Muenster State Bank 0.10% 0.80x $2,500 -
The Jacksboro National Bank 0.10% 0.80x $100 -
First Bank 0.10% 0.80x $2,500 -
Western Bank 0.10% 0.80x $1,000 -
POINTWEST BANK 0.10% 0.80x $1 -
Lone Star State Bank of West Texas 0.10% 0.80x $1 -
Texas Republic Bank, National Association 0.10% 0.80x $2,500 -
The First National Bank of Quitaque 0.10% 0.80x $10 -
First Security State Bank 0.10% 0.80x $200 -
Capital Bank of Texas 0.10% 0.80x $1 -
InterBank 0.10% 0.80x $1 -
First State Bank 0.10% 0.80x $10 -
Metro City Bank 0.10% 0.80x $250 -
First National Bank 0.10% 0.80x $2,500 -
SNB Bank, National Association 0.10% 0.80x $2,500 -
Trustmark National Bank 0.10% 0.80x $1 -
Titan Bank, N.A. 0.10% 0.80x $50 -


BestCashCow strives to maintain the most accurate rates. If you find a rate that is not accurate, please let us know by commenting below so that we can update it. Thank you for your help.

PRODUCT INFORMATION


Local Savings Accounts 2017

Savings accounts offer depositors flexibility along with the stability of FDIC insurance (assuming your deposit amounts are within FDIC limits – see below). Savings accounts are a good place to keep money for unforeseen expenses, as well as money that you may be preparing to use and want to keep safe. Individuals often use savings accounts for a home down payment, a vacation, a wedding, a car, an emergency fund, or other near-term expenditures. However, if you have cash that you do not believe you will need for at least a year, you may want to consider investing in a certificate of deposit.

While online savings account have grown in popularity and usage dramatically over the past fifteen years, some consumers prefer opening an account in a branch and having a personal relationship with the people who safeguard their money. Physical branches also provide an easy way to get cash instantly, to deposit checks, to access to notaries, and sometimes to get free coffee and donuts.

You will find a map with all banks that are close to you here.

FDIC Insurance

BestCashCow strongly recommends that when depositing money, you stay within the insured limits of the Federal Deposit Insurance Corporation (“FDIC”). You should not deposit over $250,000 at a single bank across all products (savings or share certificates, certificates of deposit or time deposits, etc.) unless these deposits are made across different product types (individual, joint, etc). Learn more about FDIC insurance and different product types here. If you are still uncertain whether you are within FDIC limits, you should visit the FDIC's website to determine your coverage limits based on your circumstances.

Advantages of Local Savings or Money Market Accounts:

  • Higher interest rate than a checking account, usually.
  • Personal service and interaction. Unlike an online account you are building a relationship with your banker by opening it in a branch.
  • Online access. Often, depending on the size of the bank, banks enable transactions and deposits to be performed online or through a mobile application.
  • Liquidity. Depositors can withdraw their money at any time.

Disadvantages:

  • A variable interest rate. Rates can change at any time. In a falling rate environment, this is a negative. In a rising rate environment, this is a positive.
  • A lower rate than an online bank. Branches are expensive and non-online banks often can't afford to pay as much interest as an online bank.

FREQUENTLY ASKED QUESTIONS ABOUT LOCAL SAVINGS RATES


Why do savings rates vary so much?

Even though rates are at levels that are historically very low, there is competition for your money. Like any active marketplace, there are buyers and sellers of goods and services at different prices. Banks have different cost structures and they also have different needs for capital. This leads to different rates.

BestCashCow’s surveys show that online banks offer higher savings and CD rates because they have lower expenses from not having to maintain brick-and-mortar locations. Therefore, we strongly recommend that all depositors consider the rates at online banks as savings and money market accounts online can easy be set up to enable quick transfers to your favorite local bank.

What is the difference between a savings account and a money market account?

The differences between a savings account and a money market account are largely arcane. Some money market accounts offer more ways access deposits by issuing checks and debit cards, but prudent consumers will compare the two interchangeably, focusing primarily on rates and service among FDIC-insured banks (or NCUA-insured, for credit unions). Most savvy consumers who plan their expenses and financial needs ahead find the additional functionality offered by money markets to be of little value and will choose whichever account (savings or money market) has the higher rate.

What does annual percentage yield (APY) mean?

Savings rates are displayed in terms of APY to indicate the effective annual-interest return, including the compounding of interest, of the course of a single year. $100,000 deposited in a savings or CD account with a 1.20% APY will earn $1,200 in the course of the year, but monthly interest in the first few months may be less than $100 a month (this also depends on the number of days in the month). Hence, the APY rate is ordinarily a couple of basis points above the real interest rates. Unlike with a Certificate of Deposit, your actual APY in a savings may vary if the rate changes.

How do I choose the right savings account and should I consider CDs?

Begin your search with the table here on BestCashCow.com that you have found. In addition to checking online savings rates, you should also check local bank rates and local credit union rates. If you are unlikely to require access to your cash for some time, you may also consider certificates of deposit (CDs). While CDs have penalties for early withdrawal that may even eat into your principal, the rates on 2, 3, 4 and 5 year CDs are ordinarily significantly higher than savings rates. Several other sections and articles on BestCashCow can also help you to identify your proper cash allocation between savings and CDs. Access these below. You should also familiarize yourself with our Savings Booster Calculator in order to understand the importance of compounding interest at higher rates on your savings over time.

8 POINT CHECKLIST FOR A GREAT BANKING RELATIONSHIP WITH YOUR LOCAL BANK

  • Find a bank with a location convenient to you. Location counts.
  • Choose a bank with good rates. Rates are important to get continued growth of your capital.
  • Choose a bank with an extensive network of fee-free ATM machines or which reimburses out-of-network ATM fees, if you still need to regularly access cash.
  • Avoid fees. Choose a bank which doesn’t have service fees provided you maintain a certain balance, which doesn’t charge for ACH inbound and outbound transfers, and which has low fees for things like international wire transfers and bounced checks.
  • Choose a healthy bank. If you click on a bank above, you’ll be taken to the bank’s financial detail. A healthy bank has happy employees and provides loyal service to its customers. No matter how healthy your bank is, stay within FDIC insurance limits.
  • Find something of value to offset what may be slightly lower rates than online accounts offer. Develop personal relationship with your bankers. Personal relationships can help you to get appropriate financial advice, and to navigate financial challenges and needs in the future. (Be careful with the financial advice you and be sure it is appropriate. Inappropriate financial advice is worth a lot less than no financial advice.) They can also put you in touch with others in your community who could be valuable personally and professionally to know. If you don't use your local savings account as an opportunity to build these relationships, you may find that you are better of banking online.
  • Choose a bank that is going to let you access your cash when you need. The great benefit of savings accounts over any other financial product (including CDs) is that you have absolute liquidity. If your bank in creating impediments to accessing your cash (paperwork, fees, etc.), then you need another bank.
  • Be aware that you can have more than one account. Having a great local savings account at a large or small bank near you can be great, but it doesn't need to stop you from opening one or more online savings accounts, or even developing a relationship with another local bank or credit union.

SAVINGS & CD BOOSTER CALCULATOR

Find out how much extra money you can earn by moving your bank money into an account that pays more.

Input the numbers

  • george koshefsky

    April 21, 2015

    Where is the list of the worst online banks to bank with or the States to avoid

  • ctyank January 19, 2015

    January 19, 2015

    Liberty Bank...Hamden, CT...new branch opening...special savings rate, 1.50% up to $100,000.00 through 2016...do not beleive it is available to om-line customer(s)...checking account linked, free...

  • Sol @ Travis

    September 29, 2013

    @ Travis

    In many cases we do provide this information. For example, the Belmont Savings Bank rate you list above comes with a clear disclaimer if you click the Learn more button. We're always trying to improve though and will certainly continue to gather additional information. Thanks for your comment.

  • Travis MacDonald

    September 29, 2013

    I find the numbers decieving. Some of your banks listed with the highest APR have many restrictions and requirements. I feel that these should be listed on your site in the "details" section to avoid any "bait-and-switch" claims. For instance, Belmont Savings Bank in Belmont, MA is listed as having a 1.00% APR, but the savings account requires a companion checking account with a daily average balance of 250,000. Another example is Salen Five cents Bank under the online banks. The account listed is not available on their website. When I inquired about it, they told me that particular savings product was reserved as an add-on for accounts with daily balances in excess of $10,000. It seems alot of research went into the details pages in terms of company financials and whatnot. Seems like a little more research could be done on the savings and checking products themselves.

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