Best Local Bank Savings and Money Market Rates in Rockwall, Texas, TX June 23, 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!

Rockwall, TX - June 23, 2025

Savings Account National Average Rate: 0.45% ^?

Banks	APY	MIN
State Bank Of Texas Richardson Branch	4.65%	$100,000	Learn More
High Rate Jumbo Money Market Account. Rate History: 5.22% → 4.65%
Maricia \| Oct 5, 2023 You need to specifically indicate what you are applying your money to when you take out an account here. You could make a mistake and put your money on a lesser rate product than what's advertised. Other... Read More Reviews (11)
Comerica Bank Woodall-Maple Routh 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)
Texas Capital Bank Texas Capital Bank, National Association Branch	4.10%	$0	Learn More
Rate History: 5.10% → 4.10%
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)
Truist Bank Lancaster And Kiest 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)
Regions Bank Plano Branch	3.50% 1.50%	$10,000 $0	Learn More Add Review
Texas Brand Bank Uptown Branch	3.50% 2.50% 2.40%	$100,000 $25,000 $1,000	Learn More Add Review
Woodforest National Bank 0703 Walmart 2926 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)
Nexbank Nexbank, Ssb Branch	3.25% 2.25%	$100,000 $1,000	Learn More
Ange \| Aug 20, 2019 Very corrupt, disorganized company. Associated with Dovenmuehle and or the same company. Extremely poor ratings all over the internet. Should be sued and closed down. If I could give it -10 stars, that wo... Read More Reviews (2)
Southside Bank Forney 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
Bank Of Whittier, National Association Richardson Branch	2.60%	$250	Learn More Add Review
Capital One, National Association	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)
Harmony Bank Uptown Branch	2.25%	$0	Learn More Add Review
Frost Bank Plano Branch	2.05% 2.00%	$50,000 $0	Learn More Add Review
Zions Bancorporation, N.a. Zb, National Association Branch	2.02% 1.71% 1.51% 0.80%	$500,000 $250,000 $100,000 $5,000	Learn More Add Review
Washington Federal Bank Coit And Campbell 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)
Nexbank Nexbank, Ssb Branch	1.50%	$0	Learn More
Ange \| Aug 20, 2019 Very corrupt, disorganized company. Associated with Dovenmuehle and or the same company. Extremely poor ratings all over the internet. Should be sued and closed down. If I could give it -10 stars, that wo... Read More Reviews (2)
Zions Bancorporation, N.a. Zb, National Association Branch	1.46% 0.70%	$100,000 $1,000	Learn More Add Review
Rate History: 2.02% → 1.46%
Southside Bank Forney 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 Hillcrest 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)
Wells Fargo Bank, National Association Mckinney Avenue 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
Bokf, National Association Hillcrest 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 Richardson Branch	0.50%	$100	Learn More Add Review
Frost Bank Plano 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
United Texas Bank United Texas Bank Branch	0.45%	$2,500	Learn More Add Review
Woodforest National Bank 0703 Walmart 2926 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)
Homebank Texas Buckner Branch	0.30%	$2,500	Learn More Add Review
American First National Bank Richardson 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 Richardson 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
American First National Bank Richardson Branch	0.25%	$10,000	Learn More Add Review
Golden Bank, National Association Richardson Branch	0.25%	$2,500	Learn More Add Review
Nbh Bank Dallas-Mckinney Branch	0.24%	$25,000	Learn More Add Review
Texas Republic Bank, National Association Richardson Branch	0.20%	$10,000	Learn More Add Review
Commercial State Bank Wilmer 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
Plainscapital Bank North Dallas Branch	0.20%	$25,000	Learn More Add Review
Inwood National Bank Richardson Branch	0.20%	$2,500	Learn More Add Review
American First National Bank Richardson 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. Zb, National Association Branch	0.19% 0.16%	$100,000 $0	Learn More Add Review
Alliance Bank Alliance Bank Branch	0.15%	$1	Learn More Add Review
City Bank Plano Branch	0.15%	$2,500	Learn More Add Review
Prosperity Bank Turtle Creek 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 North Dallas Branch	0.15%	$10,000	Learn More Add Review
Umb Bank, National Association Dallas 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. Rockwall Branch	0.15%	$2,500	Learn More Add Review
American First National Bank Richardson Branch	0.15%	$2,500	Learn More Add Review
Commercial Bank Of Texas, National Association Allen Branch	0.15%	$2,500	Learn More Add Review
Texas Bank And Trust Company Richardson Branch	0.15%	$2,500	Learn More Add Review
Captex Bank, National Association Farmersville Branch	0.15%	$25,000	Learn More Add Review
Golden Bank, National Association Richardson Branch	0.15%	$10,000	Learn More Add Review
Texas Security Bank Garland Branch	0.15%	$10,000	Learn More Add Review
Affiliated Bank, National Association Garland Branch	0.15%	$2,500	Learn More
Rhepler \| Aug 4, 2022 Great CD rates & service Read More Reviews (1)
Pegasus Bank Knox Street Branch	0.11%	$25,000	Learn More
Peggy Sterioti \| Jan 26, 2022 You all Have Been Taking Peggy Wood Sterioti's Money for years . 2007-2022 Read More Reviews (1)
Tbk Bank, Ssb Tbk Bank, Ssb Branch	0.10%	$25	Learn More
Rate History: 0.15% → 0.10%
fiddler \| Jun 30, 2019 agree....finally did get thru though Read More Reviews (2)
Hanmi Bank Garland Branch	0.10%	$2,500	Learn More Add Review
Washington Federal Bank Coit And Campbell 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)
First-citizens Bank & Trust Company Dallas Lake Side Village Branch	0.10% 0.07%	$100,000 $25,000	Learn More
MrBond \| Feb 25, 2023 I have been working for this company more than 5 years. I would not recommend any investment with First Citizens Bank. They are the worst performer on the market based on the customer and employee reviews... Read More Reviews (3)
Texas Republic Bank, National Association Richardson Branch	0.10%	$2,500	Learn More Add Review
Bokf, National Association Hillcrest Branch	0.10%	$0	Learn More
Rate History: 0.20% → 0.10%
Aku \| May 29, 2020 Dua Read More Reviews (1)
Homebank Texas Buckner Branch	0.10%	$2,500	Learn More Add Review
East West Bank Plano Branch	0.10%	$2,500	Learn More
Bauhinia C \| Mar 15, 2023 Oh Natty natty natty, haha the fact you need to take out (probably a second) loan for $160,000 on a $625,000 sends up all kinds of red flags. The bank was right to run away from YOU dear hahaha. Read More Reviews (2)
City Bank Plano Branch	0.10%	$2,500	Learn More Add Review
First National Bank Texas Plano Banking Center - Rc 829 Branch	0.10%	$25,000	Learn More Add Review
Vista Bank Dallas Loan Prod Office Branch	0.10%	$25,000	Learn More Add Review
Plainscapital Bank North Dallas Branch	0.10%	$2,500	Learn More Add Review
First Bank W. El Dorado Parkway Branch	0.10%	$25,000	Learn More Add Review
North Dallas Bank & Trust Co. North Dallas Bank & Trust Co. Branch	0.10%	$2,500	Learn More Add Review
Colonial Savings, F.a. Sachse 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 Richardson Branch	0.10%	$2,500	Learn More Add Review
Umb Bank, National Association Dallas 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 Alexis Branch	0.10%	$2,500	Learn More Add Review
Guaranty Bank & Trust, N.a. Rockwall Branch	0.10%	$2,500	Learn More Add Review
Commercial Bank Of Texas, National Association Allen Branch	0.10%	$10,000	Learn More Add Review
Texas Bank And Trust Company Richardson Branch	0.10%	$2,500	Learn More Add Review
Captex Bank, National Association Farmersville Branch	0.10%	$2,500	Learn More Add Review
Origin Bank Dallas Financial 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)
Golden Bank, National Association Richardson Branch	0.10%	$2,500	Learn More Add Review
Affiliated Bank, National Association Garland Branch	0.10%	$2,500	Learn More
Rhepler \| Aug 4, 2022 Great CD rates & service Read More Reviews (1)
Lakeside Bank Lakeside National Bank Branch	0.10%	$2,500	Learn More Add Review
Nbh Bank Dallas-Mckinney Branch	0.09%	$2,500	Learn More Add Review
First National Bank Texas Plano Banking Center - Rc 829 Branch	0.08%	$2,500	Learn More Add Review
Umb Bank, National Association Dallas Branch	0.08%	$2,500	Learn More
RS \| Jun 1, 2020 UMB does not honor the rate posted here! Read More Reviews (2)
Pegasus Bank Knox Street Branch	0.07%	$2,500	Learn More
Peggy Sterioti \| Jan 26, 2022 You all Have Been Taking Peggy Wood Sterioti's Money for years . 2007-2022 Read More Reviews (1)
Cathay Bank Cathay Bank Branch	0.05%	$50,000	Learn More Add Review
Tbk Bank, Ssb Tbk Bank, Ssb Branch	0.05% 0.01%	$35,000 $0	Learn More
Rate History: 1.00% → 0.10% → 0.05%
fiddler \| Jun 30, 2019 agree....finally did get thru though Read More Reviews (2)
Benchmark Bank Hillcrest Branch	0.05%	$2,500	Learn More Add Review
Nbh Bank Dallas-Mckinney Branch	0.05%	$2,500	Learn More Add Review
East West Bank Plano Branch	0.05%	$2,500	Learn More
Bauhinia C \| Mar 15, 2023 Oh Natty natty natty, haha the fact you need to take out (probably a second) loan for $160,000 on a $625,000 sends up all kinds of red flags. The bank was right to run away from YOU dear hahaha. Read More Reviews (2)
Hanmi Bank Garland Branch	0.05%	$2,500	Learn More Add Review
First National Bank Texas Plano Banking Center - Rc 829 Branch	0.05%	$2,500	Learn More Add Review
Vista Bank Dallas Loan Prod Office Branch	0.05%	$2,500	Learn More Add Review
Bank Ozk Allen, Texas 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 North Dallas Branch	0.05%	$2,500	Learn More Add Review
First Bank W. El Dorado Parkway Branch	0.05%	$2,500	Learn More Add Review
Colonial Savings, F.a. Sachse 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)
The American National Bank Of Texas Plano Parkway Branch	0.05%	$2,500	Learn More Add Review
Umb Bank, National Association Dallas 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 Alexis Branch	0.05%	$10,000	Learn More Add Review
Commercial Bank Of Texas, National Association Allen Branch	0.05%	$2,500	Learn More Add Review
Prosperity Bank Turtle Creek 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 Garland Branch	0.05%	$2,500	Learn More Add Review
Bank Of America, National Association Preston Royal 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)
Pavillion Bank Pavillion Bank Branch	0.03%	$2,500	Learn More Add Review
Lakeside Bank Lakeside National Bank Branch	0.03%	$2,500	Learn More Add Review
Comerica Bank Woodall-Maple Routh 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)
Jpmorgan Chase Bank, National Association Prestonwood Branch	0.02%	$25,000	Learn More
Hayley7788d@outlook.com \| Jan 2, 2023 Terrible customer service by investment side. Fees too high , too full of themselves Read More Reviews (25)
Regions Bank Plano Branch	0.01%	$0	Learn More Add Review
Comerica Bank Woodall-Maple Routh 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)

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 Rockwall, Texas

Branch	Street	City	State
State Bank of Texas Richardson Branch	500 W Belt Line Road	Richardson	TX
Comerica Bank Woodall-Maple Routh Branch	2121 Maple-Routh	Dallas	TX
Texas Capital Bank Texas Capital Bank, National Association Branch	2000 Mckinney Ave, Suite 700	Dallas	TX
Truist Bank Lancaster And Kiest Branch	3202 South Lancaster Rd	Dallas	TX
Regions Bank Plano Branch	4020 Preston Road	Plano	TX
Harmony Bank Uptown Branch	4161 McKinney Ave, Suite 101	Dallas	TX
Woodforest National Bank 0703 Walmart 2926 Branch	6000 Coit Rd.	Plano	TX
NexBank Nexbank, Ssb Branch	2515 Mckinney Ave, Suite 1100	Dallas	TX
Southside Bank Forney Branch	413 North Mcgraw	Forney	TX
Bank of Whittier, National Association Richardson Branch	1431 East Spring Valley Road	Richardson	TX
Harmony Bank Uptown Branch	4161 McKinney Ave, Suite 101	Dallas	TX
Harmony Bank Uptown Branch	4161 McKinney Ave, Suite 101	Dallas	TX
Woodforest National Bank 0703 Walmart 2926 Branch	6000 Coit Rd.	Plano	TX
Harmony Bank Uptown Branch	4161 McKinney Ave, Suite 101	Dallas	TX
NexBank Nexbank, Ssb Branch	2515 Mckinney Ave, Suite 1100	Dallas	TX
Southside Bank Forney Branch	413 North Mcgraw	Forney	TX
Frost Bank Plano Branch	5021 W. Park Blvd	Plano	TX
Zions Bank Zb, National Association Branch	8523 Thackery Street	Dallas	TX
Washington Federal Bank Coit And Campbell Branch	1920 N Coit Road	Richardson	TX
Frost Bank Plano Branch	5021 W. Park Blvd	Plano	TX
Woodforest National Bank 0703 Walmart 2926 Branch	6000 Coit Rd.	Plano	TX
Zions Bank Zb, National Association Branch	8523 Thackery Street	Dallas	TX
Zions Bank Zb, National Association Branch	8523 Thackery Street	Dallas	TX
Regions Bank Plano Branch	4020 Preston Road	Plano	TX
Washington Federal Bank Coit And Campbell Branch	1920 N Coit Road	Richardson	TX
NexBank Nexbank, Ssb Branch	2515 Mckinney Ave, Suite 1100	Dallas	TX
Zions Bank Zb, National Association Branch	8523 Thackery Street	Dallas	TX
Southside Bank Forney Branch	413 North Mcgraw	Forney	TX
Southside Bank Forney Branch	413 North Mcgraw	Forney	TX
Woodforest National Bank 0703 Walmart 2926 Branch	6000 Coit Rd.	Plano	TX
BOKF, National Association Hillcrest Branch	6201 Hillcrest Avenue	Dallas	TX
Southside Bank Forney Branch	413 North Mcgraw	Forney	TX
Wells Fargo Bank, National Association Mckinney Avenue Branch	2222 Mckinney Avenue, Suite 300	Dallas	TX
BOKF, National Association Hillcrest Branch	6201 Hillcrest Avenue	Dallas	TX
Southside Bank Forney Branch	413 North Mcgraw	Forney	TX
Southside Bank Forney Branch	413 North Mcgraw	Forney	TX
BOKF, National Association Hillcrest Branch	6201 Hillcrest Avenue	Dallas	TX
Zions Bank Zb, National Association Branch	8523 Thackery Street	Dallas	TX
BOKF, National Association Hillcrest Branch	6201 Hillcrest Avenue	Dallas	TX
Southside Bank Forney Branch	413 North Mcgraw	Forney	TX
Southwestern National Bank Plano Branch	2304 Coit Road, Suite #600	Plano	TX
Zions Bank Zb, National Association Branch	8523 Thackery Street	Dallas	TX
Southside Bank Forney Branch	413 North Mcgraw	Forney	TX
Southside Bank Forney Branch	413 North Mcgraw	Forney	TX
BOKF, National Association Hillcrest Branch	6201 Hillcrest Avenue	Dallas	TX
Texas Republic Bank, National Association Richardson Branch	690 W Campbell Rd, Suite 100	Richardson	TX
Frost Bank Plano Branch	5021 W. Park Blvd	Plano	TX
Southwestern National Bank Plano Branch	2304 Coit Road, Suite #600	Plano	TX
United Texas Bank United Texas Bank Branch	13101 Preston Road, Suite 100	Dallas	TX
Southside Bank Forney Branch	413 North Mcgraw	Forney	TX
Woodforest National Bank 0703 Walmart 2926 Branch	6000 Coit Rd.	Plano	TX
Woodforest National Bank 0703 Walmart 2926 Branch	6000 Coit Rd.	Plano	TX
Washington Federal Bank Coit And Campbell Branch	1920 N Coit Road	Richardson	TX
HomeBank Texas Buckner Branch	3637 North Buckner Boulevard	Dallas	TX
Southside Bank Forney Branch	413 North Mcgraw	Forney	TX
American First National Bank Richardson Branch	400 North Greenville Avenue, Suite 7	Richardson	TX
Southwestern National Bank Plano Branch	2304 Coit Road, Suite #600	Plano	TX
Woodforest National Bank 0703 Walmart 2926 Branch	6000 Coit Rd.	Plano	TX
Texas Republic Bank, National Association Richardson Branch	690 W Campbell Rd, Suite 100	Richardson	TX
Cathay Bank Cathay Bank Branch	4100 Legacy Drive Suite 403	Plano	TX
Southside Bank Forney Branch	413 North Mcgraw	Forney	TX
American First National Bank Richardson Branch	400 North Greenville Avenue, Suite 7	Richardson	TX
Golden Bank, National Association Richardson Branch	300 E. Terrace Drive, Suite 309	Richardson	TX
NBH Bank Dallas-Mckinney Branch	3102 Maple Ave	Dallas	TX
Cathay Bank Cathay Bank Branch	4100 Legacy Drive Suite 403	Plano	TX
Texas Republic Bank, National Association Richardson Branch	690 W Campbell Rd, Suite 100	Richardson	TX
Commercial State Bank Wilmer Branch	421 East Beltline Rd.	Wilmer	TX
City Bank Plano Branch	7800 Preston Road	Plano	TX
PlainsCapital Bank North Dallas Branch	18111 Preston Road, Suite 110	Dallas	TX
Southside Bank Forney Branch	413 North Mcgraw	Forney	TX
Inwood National Bank Richardson Branch	1100 Centennial Boulevard	Richardson	TX
American First National Bank Richardson Branch	400 North Greenville Avenue, Suite 7	Richardson	TX
Southwestern National Bank Plano Branch	2304 Coit Road, Suite #600	Plano	TX
Zions Bank Zb, National Association Branch	8523 Thackery Street	Dallas	TX
Southside Bank Forney Branch	413 North Mcgraw	Forney	TX
Zions Bank Zb, National Association Branch	8523 Thackery Street	Dallas	TX
Alliance Bank Alliance Bank Branch	6130 S. Fm 549	Rockwall	TX
Washington Federal Bank Coit And Campbell Branch	1920 N Coit Road	Richardson	TX
City Bank Plano Branch	7800 Preston Road	Plano	TX
Prosperity Bank Turtle Creek Branch	3802 Oak Lawn Avenue	Dallas	TX
PlainsCapital Bank North Dallas Branch	18111 Preston Road, Suite 110	Dallas	TX
UMB Bank, National Association Dallas Branch	4228 North Central Expressway, Suite 30	Dallas	TX
Guaranty Bank & Trust, N.A. Rockwall Branch	2255 Ridge Road Suite 150	Rockwall	TX
American First National Bank Richardson Branch	400 North Greenville Avenue, Suite 7	Richardson	TX
Commercial Bank of Texas, National Association Allen Branch	1219 W Mcdermott Drive	Allen	TX
Texas Bank and Trust Company Richardson Branch	401 W. George Bush Freeway, Suite 101	Richardson	TX
CapTex Bank Farmersville Branch	201 S. Hwy 78	Farmersville	TX
Golden Bank, National Association Richardson Branch	300 E. Terrace Drive, Suite 309	Richardson	TX
Texas Security Bank Garland Branch	101 North Garland Avenue	Garland	TX
Susser Bank Garland Branch	2302 Guthrie Rd. Suite 100	Garland	TX
Pegasus Bank Knox Street Branch	3300 Knox Street, Suite 100	Dallas	TX
TBK BANK, SSB Tbk Bank, Ssb Branch	12700 Park Central Drive, Suite 1700	Dallas	TX
Hanmi Bank Garland Branch	4555 West Walnut	Garland	TX
Washington Federal Bank Coit And Campbell Branch	1920 N Coit Road	Richardson	TX
First-Citizens Bank & Trust Company Dallas Lake Side Village Branch	9667 N. Central Expressway	Dallas	TX
Texas Republic Bank, National Association Richardson Branch	690 W Campbell Rd, Suite 100	Richardson	TX
BOKF, National Association Hillcrest Branch	6201 Hillcrest Avenue	Dallas	TX
HomeBank Texas Buckner Branch	3637 North Buckner Boulevard	Dallas	TX
East West Bank Plano Branch	3911 W. Park Blvd Suite#601	Plano	TX
City Bank Plano Branch	7800 Preston Road	Plano	TX
Southside Bank Forney Branch	413 North Mcgraw	Forney	TX
First National Bank Texas Plano Banking Center - Rc 829 Branch	8801 Ohio Drive	Plano	TX
Vista Bank Dallas Loan Prod Office Branch	325 N. St. Paul Street, Suite 3500	Dallas	TX
PlainsCapital Bank North Dallas Branch	18111 Preston Road, Suite 110	Dallas	TX
First Bank W. El Dorado Parkway Branch	2530 W. El Dorado Parkway, Suite #110	Mckinney	TX
North Dallas Bank & Trust Co. North Dallas Bank & Trust Co. Branch	12900 Preston Road	Dallas	TX
Colonial Savings, F.A. Sachse Branch	5250 Hwy 78 Suite 100	Sachse	TX
Inwood National Bank Richardson Branch	1100 Centennial Boulevard	Richardson	TX
UMB Bank, National Association Dallas Branch	4228 North Central Expressway, Suite 30	Dallas	TX
Veritex Community Bank Alexis Branch	14885 Preston Rd	Dallas	TX
Guaranty Bank & Trust, N.A. Rockwall Branch	2255 Ridge Road Suite 150	Rockwall	TX
Commercial Bank of Texas, National Association Allen Branch	1219 W Mcdermott Drive	Allen	TX
Texas Bank and Trust Company Richardson Branch	401 W. George Bush Freeway, Suite 101	Richardson	TX
CapTex Bank Farmersville Branch	201 S. Hwy 78	Farmersville	TX
Origin Bank Dallas Financial Center Branch	3838 Oak Lawn Avenue, 2 Turtle Creek Village	Dallas	TX
Golden Bank, National Association Richardson Branch	300 E. Terrace Drive, Suite 309	Richardson	TX
Susser Bank Garland Branch	2302 Guthrie Rd. Suite 100	Garland	TX
Lakeside Bank Lakeside National Bank Branch	2805 Ridge Road	Rockwall	TX
NBH Bank Dallas-Mckinney Branch	3102 Maple Ave	Dallas	TX
First National Bank Texas Plano Banking Center - Rc 829 Branch	8801 Ohio Drive	Plano	TX
UMB Bank, National Association Dallas Branch	4228 North Central Expressway, Suite 30	Dallas	TX
First-Citizens Bank & Trust Company Dallas Lake Side Village Branch	9667 N. Central Expressway	Dallas	TX
Pegasus Bank Knox Street Branch	3300 Knox Street, Suite 100	Dallas	TX
Cathay Bank Cathay Bank Branch	4100 Legacy Drive Suite 403	Plano	TX
TBK BANK, SSB Tbk Bank, Ssb Branch	12700 Park Central Drive, Suite 1700	Dallas	TX
Benchmark Bank Hillcrest Branch	7019 Hillcrest	Dallas	TX
NBH Bank Dallas-Mckinney Branch	3102 Maple Ave	Dallas	TX
East West Bank Plano Branch	3911 W. Park Blvd Suite#601	Plano	TX
Hanmi Bank Garland Branch	4555 West Walnut	Garland	TX
First National Bank Texas Plano Banking Center - Rc 829 Branch	8801 Ohio Drive	Plano	TX
Vista Bank Dallas Loan Prod Office Branch	325 N. St. Paul Street, Suite 3500	Dallas	TX
Bank OZK Allen, Texas Branch	1054 West Bethany Drive	Allen	TX
PlainsCapital Bank North Dallas Branch	18111 Preston Road, Suite 110	Dallas	TX
First Bank W. El Dorado Parkway Branch	2530 W. El Dorado Parkway, Suite #110	Mckinney	TX
Colonial Savings, F.A. Sachse Branch	5250 Hwy 78 Suite 100	Sachse	TX
The American National Bank of Texas Plano Parkway Branch	1101 East Plano Parkway	Plano	TX
UMB Bank, National Association Dallas Branch	4228 North Central Expressway, Suite 30	Dallas	TX
Veritex Community Bank Alexis Branch	14885 Preston Rd	Dallas	TX
Commercial Bank of Texas, National Association Allen Branch	1219 W Mcdermott Drive	Allen	TX
Prosperity Bank Turtle Creek Branch	3802 Oak Lawn Avenue	Dallas	TX
Texas Security Bank Garland Branch	101 North Garland Avenue	Garland	TX
Bank of America, National Association Preston Royal Branch	10830 Preston Road	Dallas	TX
Pavillion Bank Pavillion Bank Branch	1200 W Campbell Road	Richardson	TX
Lakeside Bank Lakeside National Bank Branch	2805 Ridge Road	Rockwall	TX
Comerica Bank Woodall-Maple Routh Branch	2121 Maple-Routh	Dallas	TX
JPMorgan Chase Bank, National Association Prestonwood Branch	6021 Campbell Road	Dallas	TX
Wells Fargo Bank, National Association Mckinney Avenue Branch	2222 Mckinney Avenue, Suite 300	Dallas	TX
TBK BANK, SSB Tbk Bank, Ssb Branch	12700 Park Central Drive, Suite 1700	Dallas	TX
Regions Bank Plano Branch	4020 Preston Road	Plano	TX
Truist Bank Lancaster And Kiest Branch	3202 South Lancaster Rd	Dallas	TX
Comerica Bank Woodall-Maple Routh Branch	2121 Maple-Routh	Dallas	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.