Best Money Market Rates in Austin, Texas (TX) - May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Current Austin, Texas and the surrounding area money market deposit account rates include Nizari Progressive Federal Credit UnionNizari Progressive Federal Credit Union12730 Research Blvd, Austin, TX 78759A+5.0 ★Texas Ratio: 2.18% Money Market Account at 3.61% APY, Sunflower BankSunflower Bank623 W 38th St, Austin, TX 78705A+5.0 ★Texas Ratio: 5.67% Thrive Money Market at 3.45% APY, TruistTruist2110 Boca Raton Dr, Austin, TX 78747A+5.0 ★Texas Ratio: 3.63% Small Business Money Market Account at 3.40% APY, Texas Health Credit UnionTexas Health Credit Union4800 GROVER AVE, AUSTIN, TX 78756A5.0 ★Texas Ratio: 8.83% Money Market at 2.52% APY, and Randolph Brooks FCURandolph Brooks FCU205 W Ben White Blvd, Austin, TX 78704 7154A+5.0 ★ RBFCU Classic Money Market at 2.43% APY. Money market rates as of May 12, 2026 according to verified data from MonitorBankRates.
Austin has 16 local institutions in our database, with money market rates as high as 3.61% APY from Nizari Progressive Federal Credit Union at 12730 Research Blvd, Austin, TX 78759. Use the table below to compare all available offers, including options from institutions serving the broader Texas area. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Austin, Texas and surrounding area. Last Updated and Verified: May 12, 2026
Compare the Best Money Market Rates Today in Austin, Texas & the Surrounding Area
Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX 78759
Money Market Account
3.61%
$0
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX 78759
Money Market Account
3.56%
$0
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX 78759
Money Market Account
3.51%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX 78759
Money Market Account
3.45%
$0
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Sunflower Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
623 W 38th St, Austin, TX 78705
Thrive Money Market
3.45%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
$24,999.01 & Above
Truist
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
2110 Boca Raton Dr, Austin, TX 78747
Small Business Money Market Account
3.40%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Sunflower Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
623 W 38th St, Austin, TX 78705
Thrive Money Market
3.05%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
$24,999.00 & Below
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
4800 GROVER AVE, AUSTIN, TX 78756
Money Market Checking
2.52%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
4800 GROVER AVE, AUSTIN, TX 78756
Money Market
2.52%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
205 W Ben White Blvd, Austin, TX 78704 7154
RBFCU Classic Money Market
2.43%
$0
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX 78759
Money Market Account
2.32%
$0
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX 78759
Money Market Account
2.27%
$0
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
4100 Smith School Rd # 1, Austin, TX 78744 3205
Maximum Money Market Account
2.27%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
205 W Ben White Blvd, Austin, TX 78704 7154
RBFCU Classic Money Market
2.22%
$0
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
205 W Ben White Blvd, Austin, TX 78704 7154
RBFCU Choice Money Market
2.22%
$2,500
▼
Rate2.20%
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Money Market Plus Accounts
2.05%
$0
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX 78701 2448
BUSINESS MONEY MARKET Plus Accounts
2.05%
$0
▼
Rate2.03%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
205 W Ben White Blvd, Austin, TX 78704 7154
RBFCU Choice Money Market
2.04%
$10,000
▼
Rate1.90%
Min Deposit$10,000
Min Balance—
UpdatedMay 6, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX 78758
Plus Money Market
2.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX 78758
Plus Money Market Capitol Account
2.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
TruWest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
13609 N Interstate 35 Bldg 4, Austin, TX 78753 1332
Money Market
2.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
When rewards checking requirements are met
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX 78701 2448
BUSINESS MONEY MARKET Plus Accounts
1.95%
$0
▼
Rate1.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Money Market Plus Accounts
1.95%
$0
▼
Rate1.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX 78701 2448
BUSINESS MONEY MARKET Plus Accounts
1.90%
$0
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Money Market Plus Accounts
1.90%
$0
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
205 W Ben White Blvd, Austin, TX 78704 7154
RBFCU Choice Money Market
1.76%
$25,000
▼
Rate1.75%
Min Deposit$25,000
Min Balance—
UpdatedMay 6, 2026
Details
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
205 W Ben White Blvd, Austin, TX 78704 7154
RBFCU Classic Money Market
1.76%
$0
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX 78758
Plus Money Market Capitol Account
1.70%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
TruWest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
13609 N Interstate 35 Bldg 4, Austin, TX 78753 1332
Money Market
1.65%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
When rewards checking requirements are met
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX 78701 2448
BUSINESS MONEY MARKET Plus Accounts
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Money Market Plus Accounts
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
TruWest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
13609 N Interstate 35 Bldg 4, Austin, TX 78753 1332
Money Market
1.35%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
When rewards checking requirements are met
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
306 E 10th St, Austin, TX 78701
Money Market and over
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
$200000.00
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
306 E 10th St, Austin, TX 78701
Money Market
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX 78758
Plus Money Market Capitol Account
1.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX 78758
Plus Money Market
1.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX 78701 2448
BUSINESS MONEY MARKET Plus Accounts
1.25%
$0
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Money Market Plus Accounts
1.25%
$0
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX 78758
Plus Money Market
1.15%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX 78758
Plus Money Market Capitol Account
1.15%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX 78758
Plus Money Market Capitol Account
1.05%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX 78758
Plus Money Market
1.05%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
306 E 10th St, Austin, TX 78701
Money Market
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Money Market Plus Accounts
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
TruWest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
13609 N Interstate 35 Bldg 4, Austin, TX 78753 1332
Money Market
1.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
When rewards checking requirements are met
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX 78701 2448
BUSINESS MONEY MARKET Plus Accounts
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX 78758
Plus Money Market Capitol Account
0.95%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
8929 Shoal Creek Blvd, Austin, TX 78757
Money Market Account - Anticipated Dividends
0.95%
$0
▼
Rate0.95%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
TruWest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
13609 N Interstate 35 Bldg 4, Austin, TX 78753 1332
Money Market
0.90%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
When rewards checking requirements are met
Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX 78758
Plus Money Market Capitol Account
0.85%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX 78701 2448
BUSINESS MONEY MARKET Plus Accounts
0.85%
$0
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Technology Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
823 Congress Ave Ste 300, Austin, TX 78701 2448
Money Market Plus Accounts
0.85%
$0
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
8929 Shoal Creek Blvd, Austin, TX 78757
Money Market Account - Anticipated Dividends
0.80%
$0
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Independent Bank Mckinney, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
3209 Ranch Road 620 S, Austin, TX 78738
Business Money Markets
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
12319 N Mopac Expy, Austin, TX 78758
Money Market Accounts Daily Balance Method
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
12319 N Mopac Expy, Austin, TX 78758
Money Market Accounts Daily Balance Method
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Independent Bank Mckinney, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
3209 Ranch Road 620 S, Austin, TX 78738
Business Money Markets
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
12319 N Mopac Expy, Austin, TX 78758
Money Market Accounts Daily Balance Method
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
12319 N Mopac Expy, Austin, TX 78758
Money Market Accounts Daily Balance Method
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Independent Bank Mckinney, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
3209 Ranch Road 620 S, Austin, TX 78738
Business Money Markets
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Independent Bank Mckinney, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
3209 Ranch Road 620 S, Austin, TX 78738
Business Money Markets
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Independent Bank Mckinney, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
3209 Ranch Road 620 S, Austin, TX 78738
Business Money Markets
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
12319 N Mopac Expy, Austin, TX 78758
Money Market Accounts Daily Balance Method
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Independent Bank Mckinney, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
3209 Ranch Road 620 S, Austin, TX 78738
Business Money Markets
0.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 11.76%
12319 N Mopac Expy, Austin, TX 78758
Money Market Accounts Daily Balance Method
0.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
High-Yield Money Market
3.82%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
Minimum of **$25,000** not currently deposited at Huntington.
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
Huntington Relationship Money Market
3.82%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
State Bank of Texas
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
High-Rate Jumbo Money Market
3.76%
$100,000
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedMay 4, 2026
Details
Annual Percentage Yield is accurate as of posting date and applies to new money deposits only. Rate is subject to change without notice after account opening. Fees and/or withdrawals could reduce the earnings on the account.
OWB One World Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
Rocket 88 Money Market Accounts (Personal & Business)
3.75%
$0
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Lone Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Personal Money Market
3.56%
$250
▼
Rate3.50%
Min Deposit$250
Min Balance—
UpdatedMay 5, 2026
Details
Golden Bank National Association
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
money market account
3.38%
$20,000
▼
Rate—
Min Deposit$20,000
Min Balance—
UpdatedApr 16, 2026
Details
new money
American State Bank (TX)
Institution Rating:
A-4.9 ★ Texas Ratio: 16.23%
Pinnacle Money Market Account
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
NexBank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.79%
High-Yield Money Market Account
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Lone Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Business Money Market
3.25%
$2,500
▼
Rate3.20%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details
American State Bank (TX)
Institution Rating:
A-4.9 ★ Texas Ratio: 16.23%
Pinnacle Money Market Account Tier 4
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
American State Bank (TX)
Institution Rating:
A-4.9 ★ Texas Ratio: 16.23%
Pinnacle Money Market Account Tier 3
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
Huntington Relationship Money Market
3.20%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
High-Yield Money Market
3.20%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
Minimum of **$25,000** not currently deposited at Huntington.
Lone Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Personal Money Market†6 Months
3.14%
$1,000
▼
Rate3.09%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
The MINT National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
ManageMINT Emerald MMA
3.10%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
The MINT National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
MonuMINT Emerald MMA
3.10%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. Rates reflect recent market quotes and representative offers available to depositors in Austin, Texas and the surrounding area.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution’s data, please contact us here.
Austin, TX Money Market Rate Trends
Compare local Austin, TX money market quotes against the statewide average
Daily money market rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield MMA — TX Avg
3.319%
▲ 0.003 vs 7 days ago
Texas high-yield MMA rates rose 0.003 points over the past 7 days to 3.319% APY.
Standard MMA — TX Avg
0.750%
▲ 0.002 vs 7 days ago
Texas standard MMA rates rose 0.002 points over the past 7 days to 0.750% APY.
As of May 13, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market deposit account rates for Austin, Texas directly from the official websites of banks and credit unions using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every money market rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available yields in Austin, Texas. We feature a comprehensive mix of institutions from neighborhood credit unions and mid-sized regional banks to large national institutions available to savers in TX.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update money market rates daily. Because MMA yields can fluctuate rapidly based on market conditions, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Money Market Accounts in Austin, Texas
What is a Money Market Account (MMA)?
A Money Market Account (MMA), formally known as a money market deposit account (MMDA), is a type of deposit account that often pays higher interest rates than standard savings accounts. They usually come with check-writing privileges and debit card access, offering a balance of growth and liquidity for savers in Texas.
Are Money Market accounts in Austin, Texas safe?
Yes, as long as the institution is FDIC insured (for banks) or NCUA insured (for credit unions). This provides federal protection for your deposits in Texas up to $250,000 per depositor, per institution.
How often do MMA rates change in Austin, Texas?
Money market rates are variable and can change at any time based on market conditions and Federal Reserve decisions. We update our local Texas rate tables daily to ensure you see the most current high-yield options.
Can I write checks from a Money Market Account?
Yes, most Money Market Accounts allow you to write a limited number of checks or make debit card transactions each month (typically up to 6), making them more flexible than a standard savings account.
How much do I need to deposit to open a money market account in Austin, Texas?
Minimum deposit requirements vary widely. Some online money market deposit accounts can be opened with no minimum, while many banks and credit unions in Austin, Texas require an initial deposit of $1,000 to $2,500 to earn the highest advertised APY. Larger deposits often unlock higher rate tiers, and FDIC or NCUA insurance protects deposits up to $250,000 per depositor, per institution.
Best Money Market Rates in Austin, Texas
Here are some of the highest money market account APYs currently available in Austin, Texas and the surrounding area:
- Nizari Progressive Federal Credit Union
Money Market Account — 3.61% APY - Sunflower Bank
Thrive Money Market — 3.45% APY - Truist
Small Business Money Market Account — 3.40% APY - Texas Health Credit Union
Money Market — 2.52% APY - Randolph Brooks FCU
RBFCU Classic Money Market — 2.43% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Austin, Texas. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 12, 2026
Rate Assistant
MonitorBankRates.com · Live Data
Try asking