Houston, Texas Money Market Rates - October 2026
Brian McKay
Brian McKay
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Houston, Texas money market account rates range from 1.51% to 4.00% APY, verified by MonitorBankRates as of October 13, 2026. Current Houston, Texas and the surrounding area money market deposit account rates include Frost BankFrost Bank1001 Broadway St, Houston, TX 77012A+5.0 ★Texas Ratio: 2.51%Real return: +1.20%APY minus 2.8% CPI (February 2026) Money Market at 4.00% APY, Chartway Credit UnionChartway Credit Union4373 FM 1960 West, Houston, TX 77014A5.0 ★Texas Ratio: 10.30%Real return: +1.20%APY minus 2.8% CPI (February 2026) Money Market Plus at 4.00% APY, State Bank of TexasState Bank of Texas8585 S Gessner Rd, Houston, TX 77074A5.0 ★Texas Ratio: 12.15%Real return: +0.96%APY minus 2.8% CPI (February 2026) High-Rate Jumbo Money Market at 3.76% APY, OWB One World BankOWB One World Bank10080 Bellaire Blvd Ste 101, Houston, TX 77072A+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, and Together Credit UnionTogether Credit Union775 Gellhorn Dr, Houston, TX 77029 1416A+5.0 ★Texas Ratio: 4.25%Real return: +0.95%APY minus 2.8% CPI (February 2026) Select Money Market at 3.75% APY. Money market rates as of October 13, 2026 according to verified data from MonitorBankRates.
Houston has 42 local institutions in our database, with money market rates as high as 4.00% APY from Frost Bank at 1001 Broadway St, Houston, TX 77012. Use the table below to compare all available offers, including options from institutions serving the broader Texas area. Rates are continually updated, so we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Houston, Texas and surrounding area. Last Updated and Verified: October 13, 2026
Compare the Best Money Market Rates Today in Houston, Texas & the Surrounding Area
Balance: $500,000 and over; $500,000+
Qualifications Required: Average daily balance (ADB) of $10,000 or more in the Money Market Plus account during the calendar month; maintain any personal or business checking account under the same member number; Balance: $1,000,000 +; APY=Annual Percentage Yield. Rates displayed include a 0.25% APY Relationship Bonus. To earn the Money Market Plus Relationship Bonus Rate, you must maintain any personal or business checking account and an average daily balance (ADB) of $10,000 or more in the Money Market Plus account during the calendar month. Both the checking account and the Money Market Plus account must be under the same member number. The monthly qualification cycle is defined as the period beginning on the first calendar day of the month and ending on the last calendar day of the month. Fees may reduce earnings on the account. Certain conditions and restrictions may apply. Rates are subject to change without notice. Please refer to the Membership Agreement and Disclosures for terms and conditions applicable to specific accounts.
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. A monthly service charge of $20 will be assessed if account does not maintain an average daily balance of $25,000.
Balance: $100,000 and up
Qualifications Required: Average daily balance (ADB) of $10,000 or more in the Money Market Plus account during the calendar month; maintain any personal or business checking account under the same member number; Balance: $500,000 - $999,999; APY=Annual Percentage Yield. Rates displayed include a 0.25% APY Relationship Bonus. To earn the Money Market Plus Relationship Bonus Rate, you must maintain any personal or business checking account and an average daily balance (ADB) of $10,000 or more in the Money Market Plus account during the calendar month. Both the checking account and the Money Market Plus account must be under the same member number. The monthly qualification cycle is defined as the period beginning on the first calendar day of the month and ending on the last calendar day of the month. Fees may reduce earnings on the account. Certain conditions and restrictions may apply. Rates are subject to change without notice. Please refer to the Membership Agreement and Disclosures for terms and conditions applicable to specific accounts.
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: $100,000 and over
Balance: $100,000 and over
On balance above $350,000
Balance: $350,000 or more
Balance: $250,000-$499,999
eMoney Market interest rates and APYs are variable, based on account balances, and subject to change daily without notice. eMoney Market Special rate is for new accounts opened today.
Balance: $100+; Must open an account by 10/09/2026, to get the promotional rate.
Balance: $100,000 - $249,999.99
Balance: $250,000 and greater
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
The minimum opening deposit is $5.00. There is no minimum balance fee for this account. This is a variable-rate money market account based on your daily balance. Rate may change without notice at the sole discretion of the Credit Union. Dividends are paid at the rate corresponding to each day's full balance. The APY on the account is reduced to 0.15% APY if on any day the end of day balance falls below $20,000.00. The minimum required to earn any dividend is $0.01. Membership subject to approval. APY = Annual Percentage Yield.
Balance: $25,000 - $49,999.99
All Balances
Balance: $100,000 and over
Balance: $25,000.00 to $2,000,000.99
Balance: $25,000.00 to $2,000,000.99
Balance: $100,000 - $249,999.99
Balance: $1,000 to $99,999.99
Balance: $0 - $99,999.99
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
The minimum opening deposit is $5.00. There is no minimum balance fee for this account. This is a variable-rate money market account based on your daily balance. Rate may change without notice at the sole discretion of the Credit Union. Dividends are paid at the rate corresponding to each day's full balance. The APY on the account is reduced to 0.15% APY if on any day the end of day balance falls below $20,000.00. The minimum required to earn any dividend is $0.01. Membership subject to approval.
Balance: $50,000+
Balance: $1,000 to $99,999.99
Balance: $7,500,000 and above
- Oct 2, 20263.18%▲ from 3.07%
- Sep 14, 20263.07%first recorded
Balance: $20,000+
Balance: $20,000+
Balance: $20,000+
- Oct 10, 20263.15%▼ from 3.25%
- Sep 18, 20263.25%first recorded
Learn More Open Online
Balance: $25,000,000 or more
- Oct 2, 20263.11%▲ from 2.96%
- Sep 14, 20262.96%first recorded
Balance: $25,000,000 or more
Balance: $100,000 and over
Balance: $25,000 - $49,999.99
Balance: $500,000 and above
Balance: $100,000 and over
Balance: $10,000 - $24,999.99
LIMITED TIME 6-Month New Account Promotional Rate; Balance: $50,000 and higher
Qualifications Required: New money totaling at least $50,000 must be deposited within twelve (12) days after the date of account opening; FOR A LIMITED TIME, EARN 3.00% APY* WITH A NEW ACCOUNT 6-MONTH PROMO RATE. Open your Maximum Money MarketTM account today with $50,000 or more to get the New Account Promotional Rate on your entire balance for 6 months. To be eligible for the Maximum Money Market Promotional Rate, new money totaling at least $50,000 must be deposited within twelve (12) days after the date of account opening. "New Money" is defined as funds transferred from another financial institution via ACH, cash, or check. Checks or transfers from other Members Choice accounts do not qualify as "New Money." At any time, we may waive the New Money requirement for the Promotional Maximum Money Market Account rate. If $50,000 New Money is not deposited within twelve (12) days of account opening, the standard rates and APYs for Maximum Money Market Account apply. APY will remain in effect for six (6) months after account opening ("Promotional Period"). After the Promotional Period, APY will be the then current standard APY for the Maximum Money Market Account applicable tier. Promotion may end at any time. The Maximum Money Market is available to all of the following new and existing membership types - personal, business and fiduciary. At our sole discretion, the number of Maximum Money Market Accounts per member may be limited. The Dividend Rate and Annual Percentage Yield for the lowest balance tier can change as determined by the Board of Directors. The Dividend Rate, Annual Percentage Yield, and Margin, for the other balance tiers will be adjusted at the sole discretion of the Credit Union on the first of the month following a change to the index, Wall Street Journal Prime (WSJP). The Dividend Rate will equal the Prime Rate as published in The Wall Street Journal, less the margin amount in the table of rates. Rate tiers, with the exception of the first tier, will have a floor rate of no less than 0.50% Annual Percentage Rate. Maximum MMAs, Classic MMAs, and Savings accounts are Tiered Rate Accounts. If the balance in the account falls within the range for a particular tier, the specified Dividend Rate for that tier will apply to the entire balance in the account. WSJP 6.75 % - Current WSJP effective as of September 17, 2026. Variable dividend rate is adjusted on the first day of each month following a change in the index.
Fixed Rate - Classic Money Market. The Fixed Dividend Rate and Annual Percentage Yield for the balance tier may change at any time without prior notice. Classic Money Market accounts are Tiered Rate Accounts. If the balance in the account falls within the range for a particular tier, the specified Dividend Rate for that tier will apply to the entire balance in the account.
- Oct 10, 20263.00%▲ from 0.05%
- Sep 14, 20260.05%first recorded
Balance: $500,000 - $999,999.99
- Oct 2, 20262.99%▲ from 2.84%
- Sep 14, 20262.84%first recorded
Balance: $500,000 - $999,999.99
Balance: $1,000,000 or more
Balance: $25,000-$99,999
Balance: $1,000 to $99,999.99
Balance: $20,000,000 and Over
Balance: $5 - $9999.99
Balance Tiers: $0 - $9,999.99 | 0.05% APY; $10,000 - $99,999.99 | 2.60% APY; $100,000 + | 2.80% APY
Balance: $750,000 - $999,999.99
Balance: $5,000,000-$7,499,999
- Oct 2, 20262.78%▲ from 2.68%
- Sep 14, 20262.68%first recorded
Balance: $10,000 - $49,999.99
Published APY range: 2.70%-3.75%; Published rate range: 2.70%-3.75%. Rates based on zip code and with a minimum of $25,000 not currently deposited at Huntington. Get your variable rate after opening a Huntington Relationship Money Market Account when you maintain deposits of $25,000.00 - $2,000,000.99. Balances $2,000,001.00 and above currently earn 0.25% (0.25% APY). Balances below $25,000.00 do not earn interest and may be subject to a $25.00 per month maintenance fee. Fees may reduce earnings. When your balance falls into a specific rate tier, your entire balance will earn the applicable rate in effect for that tier. Initial minimum opening deposit to earn interest on the HRMMA is $25,000.00 and must be "New Money" which is defined as money that is not currently on deposit in any Huntington account (except maturing CDs).
Balance: $10,000,000 - $19,999,999.99
Balance: $1,000 to $99,999.99
Balance Tiers: $0 - $9,999.99 | 0.05% APY; $10,000 - $99,999.99 | 2.60% APY; $100,000 + | 2.80% APY
Balance: $2,500,000 - $9,999,999.99
Balance: $2,000,000-$4,999,999
- Oct 2, 20262.43%▲ from 2.32%
- Sep 14, 20262.32%first recorded
Balance: $1,000,000-$1,999,999
- Oct 2, 20262.38%▲ from 2.27%
- Sep 14, 20262.27%first recorded
Balance: $1,000,000 - $2,499,999.99
Balance: $250,000 - $999,999.99
Balance: $500 - $24,999.99
- Oct 2, 20262.29%▲ from 2.13%
- Sep 14, 20262.13%first recorded
Balance: $500 - $24,999.99
Balance: $1,000,000 and higher; Guaranteed Dividend Rates: WSJP minus 4.50%
Balance: $1,000,000 and higher; Guaranteed Dividend Rates: WSJP minus 4.50%
Featured rate
Balance: Up to $9,999.99
Balance: $500,000-$999,999
- Oct 2, 20262.22%▲ from 2.12%
- Sep 14, 20262.12%first recorded
Balance: $250,000 - $749,999.99
Balance: $100,000 - $249,999.99
Balance: $1,000,000 and over
Balance: $500 - $249,999.99
Balance: $100,000 and above; Minimum Balance to Earn Dividends: $2,500; Withdrawals Per Month: 6
Balance: Tier 6
Balance: $100,000 and over; Rate Type: Variable
Balance: 250,000.00 - Over
Balance: $500,000 - $999,999
Balance: $100,000-$499,999
Balance: $250,000 and over
Balance: 5,000,000.00 and over
Balance: $50,000 to $99,999.99
Balance: $250,000 - $499,999
As High As; Rates subject to change.
- Sep 25, 20261.75%▲ from 1.65%
- Sep 16, 20261.65%first recorded
Balance: $100,000 - $249,999
Balance: $100,000 - $249,999
Balance: $250,000 and above
Balance: $25,000 to $49,999.99
Balance: $50,000 - $99,999; Rate Type: Variable
Balance: $75,000 and above
Balance: $50,000 - $99,999
Balance: $100,000 - $249,999
Balance: $50,000 and over
Balance: $50,000 - $99,999.99; Minimum Balance to Earn Dividends: $2,500; Withdrawals Per Month: 6
Balance: $50,000 - $99,999
Balance: $1,000 - $99,999 (avg.); Based on average daily balance
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.
Houston, TX Money Market Rate Trends
Compare local Houston, 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.
Houston, 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 Houston, Texas.
Money Market Account Earnings in Houston, 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: Houston, Texas money market rate averages as of October 14, 2026. | ||||
About Our Houston, Texas Money Market Rate Database
MonitorBankRates found 42 institutions with branches in Houston (19 banks, 23 credit unions). 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: Frost Bank offers a money market account at 4.00% APY. Use the rate table above to compare all current offers in Houston, Texas.
How to Find the Best Money Market Rates in Houston, Texas
What to compare when shopping for a money market account in Houston, Texas
To find the best money market APYs in Houston, Texas, start with credit unions and online-only banks: Houston, Texas has 23 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 4.00%, 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. Houston, 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 Houston, Texas institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 42 institutions in Houston, 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 Houston, Texas CD rates
- You don’t need check writing and want a lower minimum Houston, Texas savings rates
- You need daily transaction access Houston, Texas checking rates
Houston, Texas Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
12.3% of residents are 65 or older, below the national average of 17.3%; an unemployment rate of 6.9% (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 ($3,966/year) would earn an additional $126 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Houston, Texas Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Houston, 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 Houston, 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.
Houston, 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 Houston, 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 Houston, Texas
At TX’s top money market rate of 4.00% from Frost Bank, a $10,000 deposit earns $400 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Houston, Texas earner is roughly $9,900. At 3.178% APY in a money market account, saving $830/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 Houston, Texas earner makes $39,664/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 Houston, 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 Houston, 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 Houston, 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 Houston, Texas
What is a Money Market Account (MMA)?
Are Money Market accounts in Houston, Texas safe?
How often do MMA rates change in Houston, Texas?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Houston, 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 Houston, Texas for money market accounts?
Best Money Market Rates in Houston, Texas
- Frost Bank
Money Market: 4.00% APY - Chartway Credit Union
Money Market Plus: 4.00% APY - State Bank of Texas
High-Rate Jumbo Money Market: 3.76% APY - OWB One World Bank
Business Rocket 88 Money Market Accounts: 3.75% APY - Together Credit Union
Select Money Market: 3.75% APY
Houston, Texas Rates & Resources
