Best Local Bank Savings and Money Market Rates in Denton, Texas, TX June 15, 2025

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If you have your savings dollars in a big bank or a bank with low savings rates, then you are losing money. We've found FDIC insured banks that will pay you more. Take a few minutes to explore the options below and see how you can boost your savings by more than 6X the national average rate. There is competition for your money. Take advantage of it!

Denton, TX - June 15, 2025

Savings Account National Average Rate: 0.45% ^?

Banks	APY	MIN
Texas Capital Bank Midway Branch	5.10%	$0	Learn More
6CellBattery \| Aug 26, 2023 I have no issues with Bask Bank nor Texas Capital Bank. They provide good apy on savings and CD's, bank to keep funds secured so yes they do have strict security measures but if you don't like it than go ... Read More Reviews (2)
Comerica Bank Coppell Branch	4.25%	$1	Learn More
Rate History: 4.50% → 4.25%
Cory,Baldwin \| Oct 18, 2016 IF the Cd's our that high then way i'm i the last to find out what The apys are. Read More Reviews (1)
Beal Bank Beal Bank, Ssb Branch	3.75%	$500	Learn More Add Review
Rate History: 4.25% → 3.75%
Truist Bank Colleyville Branch	3.66% 0.01%	$0 $1	Learn More
Rate History: 4.00% → 3.65% → 3.66%
Customer \| Jul 28, 2022 Not at all happy with Truist compared to BB+T. New transaction policy makes them painfully slow. Paying .01 % interest on money market accounts, 13 week T Bill's are around $2.5%.I hope that they are enj... Read More Reviews (6)
Capital One, National Association North Tarrant And Quail Valley Branc Branch	3.60%	$1	Learn More
Rate History: 4.10% → 4.00% → 3.90% → 3.80% → 3.60%
highstream \| Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More Reviews (16)
Regions Bank Keller Branch	3.50% 1.50%	$10,000 $0	Learn More Add Review
Beal Bank Beal Bank, Ssb Branch	3.50% 3.25%	$25,000 $1,000	Learn More Add Review
Rate History: 4.00% → 3.50%
Woodforest National Bank 0733 Beach Wal-Mart Branch	3.25% 2.25% 1.75% 1.25% 0.35%	$500,000 $250,000 $100,000 $1 $0	Learn More
Rate History: 4.00% → 3.75% → 3.50% → 3.25%
Jabbroadway42 \| Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More Reviews (2)
Southside Bank Watauga Branch	3.04% 2.12% 1.11% 1.00% 0.75% 0.65% 0.25% 0.18% 0.10%	$5,000,000 $3,000,000 $500,000 $250,000 $100,000 $75,000 $50,000 $20,000 $0	Learn More Add Review
Capital One, National Association North Tarrant And Quail Valley Branc Branch	2.50%	$1	Learn More
highstream \| Jan 2, 2024 Like others, I've been with Capital One and its predecessor ING Direct since 2007. I've also been getting cheap bank rates on my savings account and didn't realize that there was something better, although... Read More Reviews (16)
Texas Bank Frisco Branch	2.37% 0.60% 0.50%	$10,000 $2,500 $0	Learn More Add Review
Rate History: 3.04% → 2.72% → 2.52% → 2.37%
Frost Bank Keller Branch	2.05% 2.00%	$50,000 $0	Learn More Add Review
Zions Bancorporation, N.a. North Irving Branch	2.02% 1.71% 1.51% 0.80%	$500,000 $250,000 $100,000 $5,000	Learn More Add Review
Washington Federal Bank Denton Branch	2.00% 1.50% 0.30% 0.15%	$500,000 $90,000 $15,000 $1,000	Learn More
jim \| Sep 28, 2016 After looking around, looks like AlaskaUSA has the better current rate of 2 percent for 5 years. A little more can be obtained at Discover/AAA for a 10 year CD. Read More Reviews (2)
Zions Bancorporation, N.a. North Irving Branch	1.46% 0.70%	$100,000 $1,000	Learn More Add Review
Rate History: 2.02% → 1.46%
Southside Bank Watauga Branch	1.41% 1.26% 0.90% 0.60% 0.40% 0.30% 0.20%	$250,000 $100,000 $50,000 $25,000 $10,000 $2,500 $0	Learn More Add Review
Rate History: 1.00% → 1.41%
Bokf, National Association Heritage Trace Parkway Branch	1.25% 1.00% 0.85% 0.75%	$250,000 $100,000 $50,000 $25,000	Learn More
Rate History: 1.00% → 1.50% → 1.25%
Aku \| May 29, 2020 Dua Read More Reviews (1)
T Bank, National Association T Bank, National Association Branch	1.25% 0.80% 0.75%	$25,000 $10,000 $2,500	Learn More Add Review
Wells Fargo Bank, National Association Rhome Branch	1.01% 0.01%	$100,000 $1	Learn More
Rate History: 1.01% → 1.02% → 1.01%
Thy King \| Feb 6, 2023 after over 100k in transactions through this bank in the course of a year not only did i suffer from fraud but this bank closed my accounts and i have been lliable for all the losses and to top it off with... Read More Reviews (7)
Southwestern National Bank Plano Branch	0.75%	$25,000	Learn More Add Review
Stockmans Bank Addison Branch	0.55%	$25,000	Learn More Add Review
Bokf, National Association Heritage Trace Parkway Branch	0.50%	$25,000	Learn More
Rate History: 0.55% → 0.50%
Aku \| May 29, 2020 Dua Read More Reviews (1)
Texas Republic Bank, National Association Texas Republic Bank, National Association Branch	0.50%	$100	Learn More Add Review
Stockmans Bank Addison Branch	0.50%	$2,500	Learn More Add Review
Frost Bank Keller Branch	0.50%	$0	Learn More Add Review
Rate History: 1.00% → 0.90% → 0.70% → 0.50%
Southwestern National Bank Plano Branch	0.45%	$2,500	Learn More Add Review
First United Bank And Trust Company Krum Branch	0.40%	$25,000	Learn More Add Review
Woodforest National Bank 0733 Beach Wal-Mart Branch	0.40% 0.25%	$10,000 $0	Learn More
Rate History: 1.00% → 0.50% → 0.40%
Jabbroadway42 \| Nov 17, 2020 Is notarie services available today at a woodforest on wilkinson blvd Read More Reviews (2)
First National Bank First National Bank Mortgage Branch	0.35%	$25,000	Learn More Add Review
Ciera Bank Denton Branch	0.35%	$10,000	Learn More Add Review
First United Bank And Trust Company Krum Branch	0.35%	$10,000	Learn More Add Review
First United Bank And Trust Company Krum Branch	0.30%	$2,500	Learn More Add Review
American First National Bank American First National Bank-Carroll Branch	0.30%	$25,000	Learn More Add Review
Southwestern National Bank Plano Branch	0.28%	$10,000	Learn More Add Review
Texas Republic Bank, National Association Texas Republic Bank, National Association Branch	0.25%	$25,000	Learn More Add Review
Cathay Bank Cathay Bank Branch	0.25% 0.20%	$1,000,000 $500,000	Learn More Add Review
Ciera Bank Denton Branch	0.25%	$2,500	Learn More Add Review
American First National Bank American First National Bank-Carroll Branch	0.25%	$10,000	Learn More Add Review
Texas Republic Bank, National Association Texas Republic Bank, National Association Branch	0.20%	$10,000	Learn More Add Review
Pinnacle Bank Rhome Branch	0.20%	$2,500	Learn More Add Review
City Bank Plano Branch	0.20%	$25,000	Learn More Add Review
First National Bank In Frankfort	0.20%	$0	Learn More Add Review
American National Bank & Trust Flower Mound Branch	0.20%	$25,000	Learn More Add Review
Plainscapital Bank Pcb Colleyville Branch	0.20%	$25,000	Learn More Add Review
Ciera Bank Denton Branch	0.20%	$2,500	Learn More Add Review
Inwood National Bank Denton Branch	0.20%	$2,500	Learn More Add Review
American First National Bank American First National Bank-Carroll Branch	0.20%	$2,500	Learn More Add Review
Southwestern National Bank Plano Branch	0.20%	$2,500	Learn More Add Review
Zions Bancorporation, N.a. North Irving Branch	0.19% 0.16%	$100,000 $0	Learn More Add Review
Liberty Capital Bank Liberty Capital Bank Branch	0.15%	$25,000	Learn More
elizabethcoker22@gmail.com \| Mar 6, 2021 My family lives in Texas wanted to open and account with liberty bank Texas is name on Instagram is @obilo 10 10 u refuse him and stole his information cause he is black .plsss get it check out thank u Read More Reviews (1)
First National Bank First National Bank Mortgage Branch	0.15%	$10,000	Learn More Add Review
City Bank Plano Branch	0.15%	$2,500	Learn More Add Review
Prosperity Bank Keller Branch	0.15%	$2,500	Learn More
Jettdawg \| Feb 17, 2022 Worst bank ever. Buying everyone and screwing them up. Read More Reviews (6)
Plainscapital Bank Pcb Colleyville Branch	0.15%	$10,000	Learn More Add Review
Umb Bank, National Association Denton Branch	0.15%	$25,000	Learn More
RS \| Jun 1, 2020 UMB does not honor the rate posted here! Read More Reviews (2)
Guaranty Bank & Trust, N.a. Denton Main Branch	0.15%	$2,500	Learn More Add Review
American First National Bank American First National Bank-Carroll Branch	0.15%	$2,500	Learn More Add Review
Commercial Bank Of Texas, National Association Lewisville Banking Center Branch	0.15%	$2,500	Learn More Add Review
Texas Bank And Trust Company Texas Bank And Trust Company Branch	0.15%	$2,500	Learn More Add Review
Texas Security Bank Metrocrest Branch	0.15%	$10,000	Learn More Add Review
Hanmi Bank Carrollton Branch	0.10%	$2,500	Learn More Add Review
Washington Federal Bank Denton Branch	0.10%	$100	Learn More
jim \| Sep 28, 2016 After looking around, looks like AlaskaUSA has the better current rate of 2 percent for 5 years. A little more can be obtained at Discover/AAA for a 10 year CD. Read More Reviews (2)
Texas Republic Bank, National Association Texas Republic Bank, National Association Branch	0.10%	$2,500	Learn More Add Review
Bokf, National Association Heritage Trace Parkway Branch	0.10%	$0	Learn More
Rate History: 0.20% → 0.10%
Aku \| May 29, 2020 Dua Read More Reviews (1)
Liberty Capital Bank Liberty Capital Bank Branch	0.10%	$2,500	Learn More
elizabethcoker22@gmail.com \| Mar 6, 2021 My family lives in Texas wanted to open and account with liberty bank Texas is name on Instagram is @obilo 10 10 u refuse him and stole his information cause he is black .plsss get it check out thank u Read More Reviews (1)
First National Bank First National Bank Mortgage Branch	0.10%	$2,500	Learn More Add Review
City Bank Plano Branch	0.10%	$2,500	Learn More Add Review
Bank 7 Dallas Branch	0.10%	$10,000	Learn More
Randall Stewart \| Mar 24, 2022 I visited this bank yesterday, 3/23 and this rate 0.85% was NOT offered. Read More Reviews (1)
Interbank Hbank Texas Branch	0.10%	$2,500	Learn More
Ernie Bramlett \| Sep 30, 2015 Stephenville,Tx branch is very professional, helpful and possibly the best bank I have encountered. If you move to this region, consider this institution. You will be pleasantly satisfied. I in no way... Read More Reviews (1)
First National Bank Texas Haslet Banking Center - Rc 515 Branc Branch	0.10%	$25,000	Learn More Add Review
Plainscapital Bank Pcb Colleyville Branch	0.10%	$2,500	Learn More Add Review
North Dallas Bank & Trust Co. Irving Branch	0.10%	$2,500	Learn More Add Review
Colonial Savings, F.a. North Beach Branch	0.10%	$2,500	Learn More
joann.burbridge@yahoo.com \| Mar 16, 2020 What is the current 30 year mortgage rate? Read More Reviews (1)
Inwood National Bank Denton Branch	0.10%	$2,500	Learn More Add Review
Umb Bank, National Association Denton Branch	0.10%	$10,000	Learn More
RS \| Jun 1, 2020 UMB does not honor the rate posted here! Read More Reviews (2)
Veritex Community Bank Southlake Branch	0.10%	$2,500	Learn More Add Review
Guaranty Bank & Trust, N.a. Denton Main Branch	0.10%	$2,500	Learn More Add Review
Commercial Bank Of Texas, National Association Lewisville Banking Center Branch	0.10%	$10,000	Learn More Add Review
Texas Bank And Trust Company Texas Bank And Trust Company Branch	0.10%	$2,500	Learn More Add Review
Origin Bank Las Colinas Banking Center Branch	0.10%	$2,500	Learn More
Ralph \| Nov 26, 2019 They might be covered but they do little to safeguard your money. I was hacked, the hackers posed as bank employees accessed my account and made payments to fraudulent accounts. I had to explain to them wh... Read More Reviews (1)
First Financial Bank, National Association Keller Branch	0.10%	$2,500	Learn More Add Review
First National Bank Texas Haslet Banking Center - Rc 515 Branc Branch	0.08%	$2,500	Learn More Add Review
American National Bank & Trust Flower Mound Branch	0.08%	$2,500	Learn More Add Review
Bank Of The West Ponder Texas Branch	0.08%	$10,000	Learn More Add Review
Umb Bank, National Association Denton Branch	0.08%	$2,500	Learn More
RS \| Jun 1, 2020 UMB does not honor the rate posted here! Read More Reviews (2)
First State Bank Roanoke Branch	0.07%	$2,500	Learn More Add Review
Cathay Bank Cathay Bank Branch	0.05%	$50,000	Learn More Add Review
Benchmark Bank Benchmark Bank Branch	0.05%	$2,500	Learn More Add Review
Hanmi Bank Carrollton Branch	0.05%	$2,500	Learn More Add Review
First State Bank Roanoke Branch	0.05%	$2,500	Learn More Add Review
Bank 7 Dallas Branch	0.05%	$100	Learn More
Randall Stewart \| Mar 24, 2022 I visited this bank yesterday, 3/23 and this rate 0.85% was NOT offered. Read More Reviews (1)
Interbank Hbank Texas Branch	0.05%	$2,500	Learn More
Ernie Bramlett \| Sep 30, 2015 Stephenville,Tx branch is very professional, helpful and possibly the best bank I have encountered. If you move to this region, consider this institution. You will be pleasantly satisfied. I in no way... Read More Reviews (1)
First National Bank Texas Haslet Banking Center - Rc 515 Branc Branch	0.05%	$2,500	Learn More Add Review
American National Bank & Trust Flower Mound Branch	0.05%	$2,500	Learn More Add Review
Bank Ozk Keller Branch	0.05%	$0	Learn More
HB \| Sep 12, 2023 Can not cash a check at the branch on Chenal, because I did not have an appointment for the lobby. Could not use the Window service, it closes at 2pm on a Friday. I have a business account and am finding... Read More Reviews (11)
Plainscapital Bank Pcb Colleyville Branch	0.05%	$2,500	Learn More Add Review
Bank Of The West Ponder Texas Branch	0.05%	$2,500	Learn More Add Review
First United Bank And Trust Company Krum Branch	0.05%	$2,500	Learn More Add Review
First Guaranty Bank Denton Branch	0.05%	$2,500	Learn More Add Review
Colonial Savings, F.a. North Beach Branch	0.05%	$2,500	Learn More
joann.burbridge@yahoo.com \| Mar 16, 2020 What is the current 30 year mortgage rate? Read More Reviews (1)
Umb Bank, National Association Denton Branch	0.05%	$2,500	Learn More
RS \| Jun 1, 2020 UMB does not honor the rate posted here! Read More Reviews (2)
Veritex Community Bank Southlake Branch	0.05%	$10,000	Learn More Add Review
Commercial Bank Of Texas, National Association Lewisville Banking Center Branch	0.05%	$2,500	Learn More Add Review
Prosperity Bank Keller Branch	0.05%	$2,500	Learn More
Jettdawg \| Feb 17, 2022 Worst bank ever. Buying everyone and screwing them up. Read More Reviews (6)
Texas Security Bank Metrocrest Branch	0.05%	$2,500	Learn More Add Review
First Financial Bank, National Association Keller Branch	0.05%	$10,000	Learn More Add Review
Bank Of America, National Association Beach & Tarrant Branch	0.04%	$2,500	Learn More
Treasure \| Jul 24, 2023 BOFA is a den of people thieves camouflaged as bank operatives. There’s a soon to be uncovered carrel of money laundry there. They took all my money and don’t want to release it to me for no particular... Read More Reviews (11)
Comerica Bank Coppell Branch	0.02%	$1	Learn More
Cory,Baldwin \| Oct 18, 2016 IF the Cd's our that high then way i'm i the last to find out what The apys are. Read More Reviews (1)
First Financial Bank, National Association Keller Branch	0.02%	$2,500	Learn More Add Review
Regions Bank Keller Branch	0.01%	$0	Learn More Add Review
Worthington Bank Colleyville Branch	0.01%	$300	Learn More Add Review
Comerica Bank Coppell Branch	0.01%	$1	Learn More
Cory,Baldwin \| Oct 18, 2016 IF the Cd's our that high then way i'm i the last to find out what The apys are. Read More Reviews (1)
First Financial Bank, National Association Keller Branch	0.01%	$2,500	Learn More Add Review

All rates listed are Annual Percentage Yield (APY). The APY rate in a savings account or money market account is a variable rate that is subject to change at any point. The Min listed is the minimum deposit account balance required to obtain the rate listed.

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Branches Info around Denton, TX - June 15, 2025

Branch	Street	City	State
Texas Capital Bank Midway Branch	14131 Midway Road, Suite 100	Addison	TX
Comerica Bank Coppell Branch	128 N Denton Tap Road	Coppell	TX
XD Bank Beal Bank, Ssb Branch	6000 Legacy Drive	Plano	TX
Truist Bank Colleyville Branch	1201 Church Street	Colleyville	TX
Capital One, National Association North Tarrant And Quail Valley Branc Branch	5721 North Tarrant Parkway	Fort Worth	TX
Regions Bank Keller Branch	521 Keller Parkway	Keller	TX
XD Bank Beal Bank, Ssb Branch	6000 Legacy Drive	Plano	TX
XD Bank Beal Bank, Ssb Branch	6000 Legacy Drive	Plano	TX
Woodforest National Bank 0733 Beach Wal-Mart Branch	8520 Beach Street	Keller	TX
Southside Bank Watauga Branch	8024 Denton Highway	Watauga	TX
Capital One, National Association North Tarrant And Quail Valley Branc Branch	5721 North Tarrant Parkway	Fort Worth	TX
Texas Bank Frisco Branch	7700 Main Street	Frisco	TX
Woodforest National Bank 0733 Beach Wal-Mart Branch	8520 Beach Street	Keller	TX
Southside Bank Watauga Branch	8024 Denton Highway	Watauga	TX
Frost Bank Keller Branch	1240 Keller Parkway, Suite 100	Keller	TX
Zions Bank North Irving Branch	8665 Cypress Waters Blvd.	Irving	TX
Washington Federal Bank Denton Branch	3100 Wind River Lane	Denton	TX
Frost Bank Keller Branch	1240 Keller Parkway, Suite 100	Keller	TX
Woodforest National Bank 0733 Beach Wal-Mart Branch	8520 Beach Street	Keller	TX
Zions Bank North Irving Branch	8665 Cypress Waters Blvd.	Irving	TX
Zions Bank North Irving Branch	8665 Cypress Waters Blvd.	Irving	TX
Regions Bank Keller Branch	521 Keller Parkway	Keller	TX
Washington Federal Bank Denton Branch	3100 Wind River Lane	Denton	TX
Zions Bank North Irving Branch	8665 Cypress Waters Blvd.	Irving	TX
Southside Bank Watauga Branch	8024 Denton Highway	Watauga	TX
Southside Bank Watauga Branch	8024 Denton Highway	Watauga	TX
Woodforest National Bank 0733 Beach Wal-Mart Branch	8520 Beach Street	Keller	TX
BOKF, National Association Heritage Trace Parkway Branch	3200 Heritage Trace Parkway	Fort Worth	TX
T Bank, National Association T Bank, National Association Branch	16200 Dallas Parkway, Suite 190	Dallas	TX
Southside Bank Watauga Branch	8024 Denton Highway	Watauga	TX
Wells Fargo Bank, National Association Rhome Branch	101 Highway 287 North	Rhome	TX
BOKF, National Association Heritage Trace Parkway Branch	3200 Heritage Trace Parkway	Fort Worth	TX
Southside Bank Watauga Branch	8024 Denton Highway	Watauga	TX
Southside Bank Watauga Branch	8024 Denton Highway	Watauga	TX
BOKF, National Association Heritage Trace Parkway Branch	3200 Heritage Trace Parkway	Fort Worth	TX
Zions Bank North Irving Branch	8665 Cypress Waters Blvd.	Irving	TX
T Bank, National Association T Bank, National Association Branch	16200 Dallas Parkway, Suite 190	Dallas	TX
BOKF, National Association Heritage Trace Parkway Branch	3200 Heritage Trace Parkway	Fort Worth	TX
Southside Bank Watauga Branch	8024 Denton Highway	Watauga	TX
T Bank, National Association T Bank, National Association Branch	16200 Dallas Parkway, Suite 190	Dallas	TX
Southwestern National Bank Plano Branch	2304 Coit Road, Suite #600	Plano	TX
Zions Bank North Irving Branch	8665 Cypress Waters Blvd.	Irving	TX
Southside Bank Watauga Branch	8024 Denton Highway	Watauga	TX
Southside Bank Watauga Branch	8024 Denton Highway	Watauga	TX
Texas Bank Frisco Branch	7700 Main Street	Frisco	TX
Cattlemens Bank Addison Branch	16400 N. Dallas Pkwy	Dallas	TX
BOKF, National Association Heritage Trace Parkway Branch	3200 Heritage Trace Parkway	Fort Worth	TX
Texas Republic Bank, National Association Texas Republic Bank, National Association Branch	2595 Preston Rd, Bldg 100	Frisco	TX
Cattlemens Bank Addison Branch	16400 N. Dallas Pkwy	Dallas	TX
Texas Bank Frisco Branch	7700 Main Street	Frisco	TX
Frost Bank Keller Branch	1240 Keller Parkway, Suite 100	Keller	TX
Southwestern National Bank Plano Branch	2304 Coit Road, Suite #600	Plano	TX
Southside Bank Watauga Branch	8024 Denton Highway	Watauga	TX
First United Bank and Trust Company Krum Branch	960 East Mccart Street	Krum	TX
Woodforest National Bank 0733 Beach Wal-Mart Branch	8520 Beach Street	Keller	TX
Woodforest National Bank 0733 Beach Wal-Mart Branch	8520 Beach Street	Keller	TX
First National Bank First National Bank Mortgage Branch	402 North Carroll	Southlake	TX
Ciera Bank Denton Branch	321 W. Oak St.	Denton	TX
First United Bank and Trust Company Krum Branch	960 East Mccart Street	Krum	TX
Washington Federal Bank Denton Branch	3100 Wind River Lane	Denton	TX
Southside Bank Watauga Branch	8024 Denton Highway	Watauga	TX
First United Bank and Trust Company Krum Branch	960 East Mccart Street	Krum	TX
American First National Bank American First National Bank-Carroll Branch	2625 Old Denton Rd, Suite 552	Carrollton	TX
Southwestern National Bank Plano Branch	2304 Coit Road, Suite #600	Plano	TX
Woodforest National Bank 0733 Beach Wal-Mart Branch	8520 Beach Street	Keller	TX
Texas Republic Bank, National Association Texas Republic Bank, National Association Branch	2595 Preston Rd, Bldg 100	Frisco	TX
Cathay Bank Cathay Bank Branch	4100 Legacy Drive Suite 403	Plano	TX
Southside Bank Watauga Branch	8024 Denton Highway	Watauga	TX
Ciera Bank Denton Branch	321 W. Oak St.	Denton	TX
American First National Bank American First National Bank-Carroll Branch	2625 Old Denton Rd, Suite 552	Carrollton	TX
Cathay Bank Cathay Bank Branch	4100 Legacy Drive Suite 403	Plano	TX
Texas Republic Bank, National Association Texas Republic Bank, National Association Branch	2595 Preston Rd, Bldg 100	Frisco	TX
Pinnacle Bank Rhome Branch	800 South Us Hwy 287, Suite A	Rhome	TX
City Bank Plano Branch	7800 Preston Road	Plano	TX
American National Bank & Trust Flower Mound Branch	1201 Cross Timbers Road	Flower Mound	TX
PlainsCapital Bank Pcb Colleyville Branch	6100 Colleyville Blvd., Suite 170	Colleyville	TX
Ciera Bank Denton Branch	321 W. Oak St.	Denton	TX
Southside Bank Watauga Branch	8024 Denton Highway	Watauga	TX
Inwood National Bank Denton Branch	2220 San Jacinto Blvd	Denton	TX
American First National Bank American First National Bank-Carroll Branch	2625 Old Denton Rd, Suite 552	Carrollton	TX
Southwestern National Bank Plano Branch	2304 Coit Road, Suite #600	Plano	TX
Zions Bank North Irving Branch	8665 Cypress Waters Blvd.	Irving	TX
Southside Bank Watauga Branch	8024 Denton Highway	Watauga	TX
Zions Bank North Irving Branch	8665 Cypress Waters Blvd.	Irving	TX
Liberty Capital Bank Liberty Capital Bank Branch	5055 Keller Springs Road, Suite 120	Addison	TX
Washington Federal Bank Denton Branch	3100 Wind River Lane	Denton	TX
First National Bank First National Bank Mortgage Branch	402 North Carroll	Southlake	TX
City Bank Plano Branch	7800 Preston Road	Plano	TX
Prosperity Bank Keller Branch	217 North Main Street	Keller	TX
PlainsCapital Bank Pcb Colleyville Branch	6100 Colleyville Blvd., Suite 170	Colleyville	TX
UMB Bank, National Association Denton Branch	1013 W University Drive	Denton	TX
Guaranty Bank & Trust, N.A. Denton Main Branch	1100 Dallas Drive	Denton	TX
American First National Bank American First National Bank-Carroll Branch	2625 Old Denton Rd, Suite 552	Carrollton	TX
Commercial Bank of Texas, National Association Lewisville Banking Center Branch	201 South Mill Street	Lewisville	TX
Texas Bank and Trust Company Texas Bank And Trust Company Branch	2801 Network Boulevard	Frisco	TX
Texas Security Bank Metrocrest Branch	3212 Belt Line Road	Farmers Branch	TX
Hanmi Bank Carrollton Branch	2625 Old Denton Road, Suite 100	Carrollton	TX
Washington Federal Bank Denton Branch	3100 Wind River Lane	Denton	TX
Texas Republic Bank, National Association Texas Republic Bank, National Association Branch	2595 Preston Rd, Bldg 100	Frisco	TX
BOKF, National Association Heritage Trace Parkway Branch	3200 Heritage Trace Parkway	Fort Worth	TX
Liberty Capital Bank Liberty Capital Bank Branch	5055 Keller Springs Road, Suite 120	Addison	TX
First National Bank First National Bank Mortgage Branch	402 North Carroll	Southlake	TX
City Bank Plano Branch	7800 Preston Road	Plano	TX
Bank 7 Dallas Branch	5080 Spectrum Drive, Ste. 123w	Addison	TX
Southside Bank Watauga Branch	8024 Denton Highway	Watauga	TX
InterBank Hbank Texas Branch	4501 William D. Tate Ave.	Grapevine	TX
First National Bank Texas Haslet Banking Center - Rc 515 Branc Branch	2401 Avondale Haslet Rd	Haslet	TX
PlainsCapital Bank Pcb Colleyville Branch	6100 Colleyville Blvd., Suite 170	Colleyville	TX
North Dallas Bank & Trust Co. Irving Branch	7660 North Macarthur Boulevard	Irving	TX
Colonial Savings, F.A. North Beach Branch	10860 North Beach	Fort Worth	TX
Inwood National Bank Denton Branch	2220 San Jacinto Blvd	Denton	TX
UMB Bank, National Association Denton Branch	1013 W University Drive	Denton	TX
Veritex Community Bank Southlake Branch	2438 East Southlake Boulevard	Southlake	TX
Guaranty Bank & Trust, N.A. Denton Main Branch	1100 Dallas Drive	Denton	TX
Commercial Bank of Texas, National Association Lewisville Banking Center Branch	201 South Mill Street	Lewisville	TX
Texas Bank and Trust Company Texas Bank And Trust Company Branch	2801 Network Boulevard	Frisco	TX
Origin Bank Las Colinas Banking Center Branch	7720 North Macarthur Boulevard	Irving	TX
First Financial Bank Keller Branch	891 Keller Parkway, Suite 100	Keller	TX
First National Bank Texas Haslet Banking Center - Rc 515 Branc Branch	2401 Avondale Haslet Rd	Haslet	TX
American National Bank & Trust Flower Mound Branch	1201 Cross Timbers Road	Flower Mound	TX
Bank of the West Ponder Texas Branch	301 North Highway 156	Ponder	TX
UMB Bank, National Association Denton Branch	1013 W University Drive	Denton	TX
First State Bank Roanoke Branch	2211b South Oak Street	Roanoke	TX
Cathay Bank Cathay Bank Branch	4100 Legacy Drive Suite 403	Plano	TX
Benchmark Bank Benchmark Bank Branch	5700 Legacy Drive Suite 10	Plano	TX
Hanmi Bank Carrollton Branch	2625 Old Denton Road, Suite 100	Carrollton	TX
First State Bank Roanoke Branch	2211b South Oak Street	Roanoke	TX
Bank 7 Dallas Branch	5080 Spectrum Drive, Ste. 123w	Addison	TX
InterBank Hbank Texas Branch	4501 William D. Tate Ave.	Grapevine	TX
First National Bank Texas Haslet Banking Center - Rc 515 Branc Branch	2401 Avondale Haslet Rd	Haslet	TX
American National Bank & Trust Flower Mound Branch	1201 Cross Timbers Road	Flower Mound	TX
Bank OZK Keller Branch	600 Keller Parkway	Keller	TX
PlainsCapital Bank Pcb Colleyville Branch	6100 Colleyville Blvd., Suite 170	Colleyville	TX
Bank of the West Ponder Texas Branch	301 North Highway 156	Ponder	TX
First United Bank and Trust Company Krum Branch	960 East Mccart Street	Krum	TX
First Guaranty Bank Denton Branch	2209 W. University Drive	Denton	TX
Colonial Savings, F.A. North Beach Branch	10860 North Beach	Fort Worth	TX
UMB Bank, National Association Denton Branch	1013 W University Drive	Denton	TX
Veritex Community Bank Southlake Branch	2438 East Southlake Boulevard	Southlake	TX
Commercial Bank of Texas, National Association Lewisville Banking Center Branch	201 South Mill Street	Lewisville	TX
Prosperity Bank Keller Branch	217 North Main Street	Keller	TX
Texas Security Bank Metrocrest Branch	3212 Belt Line Road	Farmers Branch	TX
First Financial Bank Keller Branch	891 Keller Parkway, Suite 100	Keller	TX
Bank of America, National Association Beach & Tarrant Branch	8500 North Beach Street	Fort Worth	TX
Comerica Bank Coppell Branch	128 N Denton Tap Road	Coppell	TX
First Financial Bank Keller Branch	891 Keller Parkway, Suite 100	Keller	TX
Wells Fargo Bank, National Association Rhome Branch	101 Highway 287 North	Rhome	TX
Regions Bank Keller Branch	521 Keller Parkway	Keller	TX
Worthington Bank Colleyville Branch	4814 Colleyville Boulevard	Colleyville	TX
Truist Bank Colleyville Branch	1201 Church Street	Colleyville	TX
Comerica Bank Coppell Branch	128 N Denton Tap Road	Coppell	TX
First Financial Bank Keller Branch	891 Keller Parkway, Suite 100	Keller	TX

BestCashCow strives to maintain the most accurate rates. If you believe a rate is not accurate, please let us know.

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 & CD 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 receive. 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.