Best Money Market Rates in Houston, Texas - June 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current Houston, Texas and the surrounding area money market deposit account rates include State Bank of TexasState Bank of Texas8585 S Gessner Rd, Houston, TX 77074A+5.0 ★Texas Ratio: 2.36% 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: 0.80% Rocket 88 Money Market Accounts (Personal & Business) at 3.75% APY, Lone Star BankLone Star Bank2600 S Gessner Rd, Houston, TX 77063A+5.0 ★Texas Ratio: 0.00% Personal Money Market at 3.56% APY, Together Credit UnionTogether Credit Union775 Gellhorn Dr, Houston, TX 77029 1416A+5.0 ★Texas Ratio: 5.30% Money Market Account at 3.50% APY, and PrimeWay Federal Credit UnionPrimeWay Federal Credit Union100 Dominion Park Dr, Houston, TX 77090 6716A5.0 ★Texas Ratio: 7.35% Money Market Max at 3.50% APY. Money market rates as of June 23, 2026 according to verified data from MonitorBankRates.
Houston has 29 local institutions in our database, with money market rates as high as 3.76% APY from State Bank of Texas at 8585 S Gessner Rd, Houston, TX 77074. 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 Houston, Texas and surrounding area. Last Updated and Verified: June 23, 2026
Compare the Best Money Market Rates Today in Houston, Texas & the Surrounding Area
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.
Tier: $100,000 and up
New money only
New money only
Eligible clients can earn a 3.25% annual percentage yield (APY) with a new Truist Business Money Market account. Rates may vary based on branch location and whether you open an account in a branch, by phone or online. Interest earned is based on the following ledger balance tiers: Tier 1 - $0.01 to $4,999.99; Tier 2 - $5,000 to $99,999.99; Tier 3 - $100,000 to $499,999.99; Tier 4 - $500,000 to $999,999.99; Tier 5 - $1,000,000 to $4,999,999.99; Tier 6 - $5,000,000 or greater. Tiers 1-6 are eligible for this 3.25% Annual Percentage Yield (APY) variable rate offer. Your new Money Market Account could initially earn a rate lower than 3.25% APY. However, within 10 calendar days of account opening, your eligible account will automatically upgrade to the 3.25% APY rate. The standard interest rate and APY are 0.01% for balances $0.01 and greater. Fees may reduce earnings.
Variable rate based on zip code. 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.
Tiered balance
On balances of $25,000+
Up to six free withdrawals per statement cycle.
Tier: $25,000 to $99,999.99
$250,000 & above
$100,000 - $249,999
Based on average daily balance
$50,000 - $99,999
As High As
As Low As; Money Market Accounts
$25,000 - $49,999
Variable Rate; Average Daily Balance
Variable Rate; Average Daily Balance
Variable Rate; Average Daily Balance
Money Market - $100k: 13% is the difference between the percent earned in interest between Advancial Federal Credit Union's rate at 1.22% APY compared to 1.08% APY for the Anchorage/Mat-Su Area market average over the life of a money market at $100,000.
$10,000 - $24,999
Variable Rate; Average Daily Balance
Min. $1,000 - $9,9991
Rates as of June 10, 2026. Rates are subject to change without notice. Fees could reduce earnings on the account.
Annual Percentage Yield (APY) is accurate as of August 28, 2025. Rates offered may change without notice. Fees may reduce yield. Each depositor is FDIC-insured up to applicable limits. For additional terms and conditions, contact Plains State Bank.
Tier: $5,000 to $24,999.99
Tier: $2,000,000.00 Up
Tier: $1,000,000.00 to $1,999,999.99
Over $150,000
Tier: $500,000.00 to $999,999.99
$75,000-$149,999.99
$25,000-$74,999.99
Tier: $100,000.00 to $499,999.99
$2,500-$24,999.99
Tier: $50,000.00 to $99,999.99
Tier: $25,000.00 to $49,999.99
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 currently average 3.218% APY.
Texas standard MMA rates fell 0.003 points over the past 7 days to 0.770% APY.
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?
Best Money Market Rates in Houston, Texas
- State Bank of Texas
High-Rate Jumbo Money Market — 3.76% APY - OWB One World Bank
Rocket 88 Money Market Accounts (Personal & Business) — 3.75% APY - Lone Star Bank
Personal Money Market — 3.56% APY - Together Credit Union
Money Market Account — 3.50% APY - PrimeWay Federal Credit Union
Money Market Max — 3.50% APY
