Carrizo Springs, Texas Money Market Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Carrizo Springs, Texas money market account rates from banks and credit unions serving Texas range from 2.00% to 3.80% APY, verified by MonitorBankRates as of October 14, 2026. Current Carrizo Springs, Texas and the surrounding area money market deposit account rates include American Bank, N.A. Dallas, TXAmerican Bank, N.A. Dallas, TXA+5.0 ★Texas Ratio: 2.01%Real return: +1.00%APY minus 2.8% CPI (February 2026) Premier Money Market Account Promo at 3.80% APY, OWB One World BankOWB One World BankA+5.0 ★Texas Ratio: 0.00%Real return: +0.95%APY minus 2.8% CPI (February 2026) Business Rocket 88 Money Market Accounts at 3.75% APY, Southwest Heritage BankSouthwest Heritage BankA+5.0 ★Texas Ratio: 2.21%Real return: +0.95%APY minus 2.8% CPI (February 2026) Business PremiumPlus Money Market at 3.75% APY, Together Credit UnionTogether Credit UnionA+5.0 ★Texas Ratio: 4.25%Real return: +0.95%APY minus 2.8% CPI (February 2026) Select Money Market at 3.75% APY, and Nizari Progressive Federal Credit UnionNizari Progressive Federal Credit UnionA+5.0 ★Texas Ratio: 1.16%Real return: +0.81%APY minus 2.8% CPI (February 2026) Money Market Account at 3.61% APY. Money market rates as of October 14, 2026 according to verified data from MonitorBankRates.
Carrizo Springs is a smaller community with no bank or credit union branches currently in our database. 150 institutions serving the Texas area are available to Carrizo Springs residents, with money market rates as high as 3.80% APY from American Bank, N.A. Dallas, TX. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Carrizo Springs, Texas and surrounding area. Last Updated and Verified: October 14, 2026
Compare the Best Money Market Rates Today in Carrizo Springs, Texas & the Surrounding Area
Promo
Balance: $100,000 and up
Balance: $3,000,000.00 and above
- Oct 12, 20263.75%▲ from 2.90%
- Sep 14, 20262.90%first recorded
Balance: $3,000,000.00 and above
- Oct 12, 20263.75%▼ from 3.90%
- Sep 14, 20263.90%first recorded
Balance: $100,000 & above; New money only; Minimum opening new money deposit is $100,000
- Oct 9, 20263.75%▲ from 1.51%
- Oct 5, 20261.51%first recorded
Balance: $13,000,000.01 - & Over
- Sep 29, 20263.61%▲ from 3.61%
- Sep 25, 20263.61%▼ from 3.61%
- Sep 21, 20263.61%▼ from 3.61%
- Sep 18, 20263.61%▼ from 3.61%
Balance: Minimum $5,000,000.00
- Oct 3, 20263.60%▲ from 3.40%
- Sep 27, 20263.40%▼ from 3.60%
- Sep 14, 20263.60%first recorded
Balance: above $350,000
Balance: $250,000-$499,999
Balance: $4,500,000.01 - & 13,000,000.00
- Sep 29, 20263.56%▲ from 3.56%
- Sep 25, 20263.56%▼ from 3.56%
- Sep 21, 20263.56%▼ from 3.56%
- Sep 18, 20263.56%▼ from 3.56%
Balance: $50,000 or more
Balance: $2,500,000.01 - $4,500,000.00
- Sep 29, 20263.51%▲ from 3.51%
- Sep 25, 20263.51%▼ from 3.51%
- Sep 21, 20263.51%▼ from 3.51%
- Sep 18, 20263.51%▼ from 3.51%
Balance: $250,000 and up
Balance: $250,000 and greater
Dividend credited monthly; Projected Dividend Date: 10/31/2026; Accurate as of 09/17/2026
- Sep 25, 20263.50%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Balance: $1,000,000 or more
Balance: $100,000 and over; New money only; Minimum opening new money deposit is $100,000; Money Market Account interest is compounded daily and paid monthly
- Oct 13, 20263.50%▼ from 3.75%
- Oct 9, 20263.75%▲ from 1.51%
- Oct 5, 20261.51%first recorded
Balance: $1,000,000.00 and over; Rate good for renewing CDs & new money into credit union
Intro rate; Balance: $15,000+
- Oct 10, 20263.50%▲ from 1.25%
- Sep 14, 20261.25%first recorded
Balance: $500,000.01 - $1,500,000.00
- Sep 29, 20263.45%▼ from 3.45%
- Sep 25, 20263.45%▼ from 3.45%
- Sep 21, 20263.45%▼ from 3.45%
- Sep 18, 20263.45%first recorded
Balance: $250,000+; Rates contingent on qualifying deposits and checking requirements
- Oct 9, 20263.45%▲ from 3.25%
- Sep 14, 20263.25%first recorded
Balance: $1,000,000.00 or more; Once a balance tier is attained, the corresponding rate applies to the entire account balance; Dividends compounded and credited monthly
- Oct 14, 20263.45%▲ from 3.10%
- Sep 14, 20263.10%first recorded
Balance: Minimum $2,500,000.00 to $4,999,999.99
Balance: All Balances; Interest compounded daily; Open online; $5 monthly fee if you receive paper statements
Balance: $100,000 - $249,999.99
Balance: $750,000.00 to $999,999.99; Once a balance tier is attained, the corresponding rate applies to the entire account balance; Dividends compounded and credited monthly
- Oct 14, 20263.35%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Balance: $250,000-$499,999
Balance: $50,000 - $99,999.99
Balance: $25,000+
- Oct 13, 20263.25%▲ from 3.10%
- Sep 14, 20263.10%first recorded
Balance: $750,000 to $999,999.99
Balance: $500,000.00 to $749,999.99; Once a balance tier is attained, the corresponding rate applies to the entire account balance; Dividends compounded and credited monthly
- Oct 14, 20263.25%▲ from 2.90%
- Sep 14, 20262.90%first recorded
Balance: $20,000.00 and over; Open at Nearest Branch; Membership subject to approval
Balance: $500,000 +; Minimum Daily Balance to Earn Dividends: $500,000; Minimum to Avoid Service Charge: $0
Balance: $50,000+
Balance: 500,000.00
Balance: $100,000-$249,999; Rates contingent on qualifying deposits and checking requirements
- Oct 9, 20263.20%▲ from 3.00%
- Sep 22, 20263.00%first recorded
Balance: $20,000+; Daily balance tier; variable-rate money market account
Balance: $20,000 and over; Variable-rate money market based on daily balance; Dividends paid on each day's full balance
Balance: $20,000.00 and over; Daily balance tier
- Oct 14, 20263.15%▼ from 3.50%
- Sep 27, 20263.50%first recorded
Balance: $5,000,000+
Balance: $25,000 - $49,999.99
Balance: $500,000 +; Dividend credited monthly; Projected Dividend Date: 10/31/2026
Balance: $1,000,000-Above
Balance: $2,000,000+; Fees may reduce earnings on the account; Rate may change after account opens
Balance: $2,000,000+; Fees may reduce earnings on the account; Rate may change after account opens
Balance: $10,000.00+
Balance: $500,000.00+
$100,000; Money Market - Paid Monthly
Balance: $500,000 and above
Balance: $100,000 and over
Balance: $1,000,000 and up
Balance: $10,000 - $24,999.99
Balance: $100,000 to $199,999.99
Balance: $500,000 to $749,999.99
LIMITED TIME 6-Month New Account Promotional Rate; Balance: $50,000 and higher; Open with $50,000 or more to get the promotional rate on entire balance for 6 months
- Oct 14, 20263.00%▲ from 0.50%
- Sep 18, 20260.50%▼ from 3.00%
- Sep 14, 20263.00%first recorded
Balance: $750,000.00-$999,999.99
Balance: $250,000+; Requires Checking with daily average balance of at least $3,000 per month, otherwise 0.50% APY (0.499% Dividend Rate)
Balance: $25,000-$99,999
Balance: 250,000.00 - 499,999.99
Balance: $3,000,000.00 and above
Balance: $3,000,000.00 and above
Balance: $250,000 - $499,999.99; Dividend credited monthly; Projected Dividend Date: 10/31/2026
Balance: $250,000+; Dividend credited monthly; Projected Dividend Date: 10/31/2026
- Oct 4, 20262.90%▲ from 2.60%
- Sep 14, 20262.60%first recorded
Balance: $50,000-$99,999; Rates contingent on qualifying deposits and checking requirements
- Oct 9, 20262.90%▲ from 2.70%
- Sep 22, 20262.70%first recorded
Balance: $500,000.00-$749,999.99
Balance: $250,000.00 and above. Your interest rate and annual percentage yield* may change after the account is opened. Fees could reduce the earnings on the account. Jumbo C.D.'s require at least $100,000. Minimum opening balance for Certificates of Deposits is $500.00. A Penalty may be imposed for withdrawals before maturity. Rates subject to change without notice.
Balance: $1,000,000 - $1,999,999; Fees may reduce earnings on the account; Rate may change after account opens
Balance: $1,000,000 - $1,999,999; Fees may reduce earnings on the account; Rate may change after account opens
Balance: $1,000,000 - $4,999,999
Balance: $5 - $9999.99
Balance: $250,000.00 to $499,999.99; Once a balance tier is attained, the corresponding rate applies to the entire account balance; Dividends compounded and credited monthly
- Oct 14, 20262.85%▲ from 2.50%
- Sep 14, 20262.50%first recorded
Balance: $250,000.00 - $2,999,999.99
- Oct 12, 20262.80%▼ from 2.90%
- Sep 14, 20262.90%first recorded
Balance: $250,000 - $2,999,999.99
- Oct 12, 20262.80%▼ from 2.90%
- Sep 14, 20262.90%first recorded
Balance: $100,000 - $249,999.99; Dividend credited monthly; Projected Dividend Date: 10/31/2026
Balance: 100,000.00 - 249,999.99
Balance: $1,000,000 and up
Balance: $1,000,000 and up
Balance: $500,000 - $999,999
Balance: $100,000.00 - $249,999.99
Balance: $100,000 - $249,999.99
Balance: $1,000,000 & higher
Balance: $100,000.00 & Above
Balance: $50,000.00 or more
Balance: $250,000 and above
Balance: $10,000+
Balance: $500,000.00 >
- Sep 19, 20262.00%▲ from 1.70%
- Sep 14, 20261.70%first recorded
Balance: $50,000 to $249,999
Balance: $500,000 - $999,999
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.
Carrizo Springs, TX Money Market Rate Trends
Compare local Carrizo Springs, 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.
Texas high-yield MMA rates rose 0.005 points over the past 7 days to 3.178% APY.
Texas standard MMA rates rose 0.008 points over the past 7 days to 0.793% APY.
Carrizo Springs, Texas Money Market Rate Forecast, Next 12 Months
Money market rates move with Federal Reserve policy. Our model uses the current TX high-yield MMA average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Money market account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current TX high-yield money market average of 3.178% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield money market rates tend to adjust faster than standard branch-based accounts.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in Carrizo Springs, Texas.
Money Market Account Earnings in Carrizo Springs, Texas
Annual interest earnings at current TX average APYs, based on the high-yield and standard money market averages tracked in our database. Balances reflect the higher minimums typical of money market accounts. Compounding assumed monthly.
| Balance | HY Money Market (3.178% APY) | Monthly Earnings | Standard MMA (0.793% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $317.83 / year | $26.49 | $79.25 / year | $6.60 |
| $25,000 | $794.57 / year | $66.21 | $198.13 / year | $16.51 |
| $50,000 | $1,589.15 / year | $132.43 | $396.25 / year | $33.02 |
| $100,000 | $3,178.30 / year | $264.86 | $792.50 / year | $66.04 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, rate tier, and daily balance maintained. Rates are variable and subject to change. Source: Carrizo Springs, Texas money market rate averages as of October 14, 2026. | ||||
Available in Carrizo Springs, Texas Area
About Our Carrizo Springs, Texas Money Market Rate Database
MonitorBankRates tracks money market rate offers from 61 banks and credit unions available to Carrizo Springs, Texas residents via statewide and national offers. No branch locations physically in Carrizo Springs are currently in our database, but all listed offers are open to Carrizo Springs depositors. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: American Bank, N.A. Dallas, TX offers a money market account at 3.80% APY. Use the rate table above to compare all current offers in Carrizo Springs, Texas.
How to Find the Best Money Market Rates in Carrizo Springs, Texas
What to compare when shopping for a money market account in Carrizo Springs, Texas
To find the best money market APYs in Carrizo Springs, Texas, start with credit unions and online-only banks: Carrizo Springs, Texas has 43 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate, and pay close attention to balance tiers. Many money market accounts only pay their advertised top rate above a minimum balance of $1,000 to $25,000, with lower rates (or monthly fees) below that threshold. The current TX high-yield money market average is 3.178% but top local institutions are offering as high as 3.80%, so shopping around pays off.
Unlike a CD, money market rates are variable. Your rate can change at any time with Federal Reserve policy. Also check check-writing and debit card limits: most MMAs allow a set number of withdrawals per month, and exceeding the limit can trigger fees. Review your account periodically to ensure your APY remains competitive.
When a Money Market Account Makes Sense
- Emergency fund with flexibility: You get savings-level yields plus limited check-writing and debit access. Carrizo Springs, Texas high-yield money market rates currently average 3.178% APY, far above a typical checking account.
- Larger balances ($10,000+): Many MMAs pay tiered rates that rise with your balance, so bigger deposits often earn more than they would in a standard savings account.
- Parking cash between investments: A high-yield money market account at Carrizo Springs, Texas institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 61 institutions in Carrizo Springs, Texas report money market rates to our database.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return Carrizo Springs, Texas CD rates
- You don’t need check writing and want a lower minimum Carrizo Springs, Texas savings rates
- You need daily transaction access Carrizo Springs, Texas checking rates
Carrizo Springs, Texas Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
14.8% of residents are 65 or older, below the national average of 17.3%; an unemployment rate of 10.4% (vs. 4.8% nationally) underscores the value of keeping liquid emergency savings. At today’s TX high-yield money market average of 3.178%, saving 10% of the local median salary ($2,965/year) would earn an additional $94 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Carrizo Springs, Texas Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Carrizo Springs, Texas.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current TX Avg APY | 3.178% | View Savings Rates | 0.793%(Standard MMA) | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✓ Often yes | ✗ No | ✗ No | ✗ No |
| Debit / ATM Card | ✓ Often yes | Some institutions | ✗ Rarely | ✗ No |
| Typical Min Deposit | $0 to $2,500 | $0 to $100 | $25 to $100 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Active savers wanting flexibility + check writing | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Locking in a rate for a defined period |
APY data reflects Carrizo Springs, Texas averages tracked in our database as of October 14, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Carrizo Springs, Texas Money Market Account Calculator
See how much a money market account can earn you. Enter your deposit, monthly contribution, and time frame, or click any current Carrizo Springs, Texas rate on the right to apply it instantly. Interest compounds monthly.
Assumes monthly compounding and a constant APY for the full period. Money market rates are variable and can change at any time, so actual earnings will differ. Estimates are for informational purposes only.
Money Market & Savings Calculators for Carrizo Springs, Texas
At TX’s top money market rate of 3.80% from American Bank, N.A. Dallas, TX, a $10,000 deposit earns $380 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Carrizo Springs, Texas earner is roughly $7,400. At 3.178% APY in a money market account, saving $620/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. Liquid Deposit AccountTexas’s high-yield money market average is 3.178% APY, variable, always accessible, and often with check-writing. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median Carrizo Springs, Texas earner makes $29,653/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.178% APY.
Retirement PlannerA $25,000 money market balance earning 3.178% APY grows to roughly $46,742 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Carrizo Springs, Texas money market rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Money Market Rate Data: We aggregate money market deposit account rates for Carrizo Springs, 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 Carrizo Springs, 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 Carrizo Springs, Texas
What is a Money Market Account (MMA)?
Are Money Market accounts in Carrizo Springs, Texas safe?
How often do MMA rates change in Carrizo Springs, Texas?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Carrizo Springs, Texas?
Can I lose money in a Money Market Account?
What is the difference between a Money Market Account and a Money Market Fund?
Do I have to pay taxes on money market account interest?
Are online banks better than local banks in Carrizo Springs, Texas for money market accounts?
Best Money Market Rates in Carrizo Springs, Texas
- American Bank, N.A. Dallas, TX
Premier Money Market Account Promo: 3.80% APY - OWB One World Bank
Business Rocket 88 Money Market Accounts: 3.75% APY - Southwest Heritage Bank
Business PremiumPlus Money Market: 3.75% APY - Together Credit Union
Select Money Market: 3.75% APY - Nizari Progressive Federal Credit Union
Money Market Account: 3.61% APY
Carrizo Springs, Texas Rates & Resources
