Best Money Market Rates in Houston, Texas (TX) - May 2026
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Brian McKay
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Brian McKay
Brian McKay
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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 Houston, Texas and the surrounding area money market deposit account rates include The Huntington National BankThe Huntington National Bank7500 San Felipe St, Houston, TX 77063A+5.0 ★Texas Ratio: 4.60% High-Yield Money Market at 3.82% APY, 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, Essential Credit UnionEssential Credit Union12012 Space Center Blvd, Houston, TX 77059A5.0 ★Texas Ratio: 11.36% Money Market at 3.60% APY, and Lone Star BankLone Star Bank2600 S Gessner Rd, Houston, TX 77063A+5.0 ★Texas Ratio: 0.00% Personal Money Market at 3.56% APY. Money market rates as of May 12, 2026 according to verified data from MonitorBankRates.
Houston has 32 local institutions in our database, with money market rates as high as 3.82% APY from The Huntington National Bank at 7500 San Felipe St, Houston, TX 77063. 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: May 12, 2026
Compare the Best Money Market Rates Today in Houston, Texas & the Surrounding Area
Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
7500 San Felipe St, Houston, TX 77063
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%
7500 San Felipe St, Houston, TX 77063
Huntington Relationship Money Market
3.82%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
State Bank of Texas
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
8585 S Gessner Rd, Houston, TX 77074
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%
10080 Bellaire Blvd Ste 101, Houston, TX 77072
Rocket 88 Money Market Accounts (Personal & Business)
3.75%
$0
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Essential Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.36%
12012 Space Center Blvd, Houston, TX 77059
Money Market
3.60%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Essential Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.36%
12012 Space Center Blvd, Houston, TX 77059
Money Market Accounts
3.60%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
On balance above $350,000
Lone Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2600 S Gessner Rd, Houston, TX 77063
Personal Money Market
3.56%
$250
▼
Rate3.50%
Min Deposit$250
Min Balance—
UpdatedMay 5, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
Money Market (IRA)
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
New money only
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
Money Market
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
New money only
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
100 Dominion Park Dr, Houston, TX 77090 6716
Money Market Max
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Truist
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
12591 Westheimer Rd, Houston, TX 77077
Small Business Money Market Account
3.40%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
100 Dominion Park Dr, Houston, TX 77090 6716
Money Market Max
3.40%
$0
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Golden Bank National Association
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
9315 Bellaire Blvd, Houston, TX 77036
money market account
3.38%
$20,000
▼
Rate—
Min Deposit$20,000
Min Balance—
UpdatedApr 16, 2026
Details
new money
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
100 Dominion Park Dr, Houston, TX 77090 6716
Money Market Max
3.30%
$0
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Lone Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2600 S Gessner Rd, Houston, TX 77063
Business Money Market
3.25%
$2,500
▼
Rate3.20%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
7500 San Felipe St, Houston, TX 77063
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%
7500 San Felipe St, Houston, TX 77063
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.
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
3000 Post Oak Blvd Ste 150, Houston, TX 77056 6501
Money Market Savings
3.20%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
On balances of $25,000+
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
100 Dominion Park Dr, Houston, TX 77090 6716
Money Market Max
3.20%
$0
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX 77073 5114
Money Market
3.15%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX 77073 5114
Advantage Money Market
3.15%
$0
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX 77073 5114
Business Advantage Money Market Account
3.15%
$0
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX 77073 5114
Advantage IRA Money Market
3.15%
$0
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Lone Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2600 S Gessner Rd, Houston, TX 77063
Personal Money Market†6 Months
3.14%
$1,000
▼
Rate3.09%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
b1BANK
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
14020 Hwy 3 Ste 100, Houston, TX 77058
MAX Money Market
3.12%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
100 Dominion Park Dr, Houston, TX 77090 6716
Money Market Max
3.10%
$0
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
BP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
15455 Memorial Dr Ste 200, Houston, TX 77079 4136
Money Market
3.04%
$2,500
▼
Rate3.00%
Min Deposit$2,500
Min Balance—
UpdatedMay 7, 2026
Details
$100,000 +
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
100 Dominion Park Dr, Houston, TX 77090 6716
Money Market Max
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Lone Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2600 S Gessner Rd, Houston, TX 77063
Business Money Market
2.94%
$2,500
▼
Rate2.90%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details
Lone Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2600 S Gessner Rd, Houston, TX 77063
Personal Money Market†13 Months
2.83%
$1,000
▼
Rate2.79%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Lone Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2600 S Gessner Rd, Houston, TX 77063
Personal Money Market†12 Months
2.83%
$1,000
▼
Rate2.79%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Lone Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2600 S Gessner Rd, Houston, TX 77063
Personal Money Market†11 Months
2.83%
$1,000
▼
Rate2.79%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Lone Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2600 S Gessner Rd, Houston, TX 77063
Personal Money Market†90-179 Days
2.59%
$1,000
▼
Rate2.56%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Lone Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2600 S Gessner Rd, Houston, TX 77063
Personal Money Market†9 Months
2.59%
$1,000
▼
Rate2.56%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.54%
18211 Katy Fwy, Houston, TX 77094 1395
Maximum Money Market Account
2.27%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Lone Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2600 S Gessner Rd, Houston, TX 77063
Personal Money Market†18 Months
2.09%
$1,000
▼
Rate2.07%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
Money Market
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Energy One Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.14%
5 Greenway Plz, Houston, TX 77046 0521
Premier One Money Market Tier 6
2.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Lone Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2600 S Gessner Rd, Houston, TX 77063
Personal Money Market†15 Months
1.99%
$1,000
▼
Rate1.97%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Credit Human Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.04%
8921 N Sam Houston Pkwy W, Houston, TX 77064
Money Market Savings
1.80%
$1,000
▼
Rate—
Min Deposit$1,000
Min Balance—
UpdatedMay 4, 2026
Details
Get a 1.80% APY on balances of $10,000; Up to six free withdrawals per statement cycle
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
Business Money Market Account
1.77%
$0
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
BP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
15455 Memorial Dr Ste 200, Houston, TX 77079 4136
Money Market to $99,999.99
1.76%
$2,500
▼
Rate1.75%
Min Deposit$2,500
Min Balance—
UpdatedMay 7, 2026
Details
$50,000
OWB One World Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
10080 Bellaire Blvd Ste 101, Houston, TX 77072
Rocket 88 Money Market Accounts (Personal & Business)
1.75%
$0
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 5.63%
3200 S Dairy Ashford Rd, Houston, TX 77082 2319
Money Market Fund
1.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
2315 Mangum Rd, Houston, TX 77092
Super Saver Money Market
1.66%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
Money Market Account 1
1.66%
$0
▼
Rate1.65%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
Money Market Account
1.66%
$0
▼
Rate1.65%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
Business Money Market Account
1.66%
$0
▼
Rate1.65%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
BP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
15455 Memorial Dr Ste 200, Houston, TX 77079 4136
Money Market to $49,999.99
1.61%
$2,500
▼
Rate1.60%
Min Deposit$2,500
Min Balance—
UpdatedMay 7, 2026
Details
$25,000
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
Money Market
1.56%
$0
▼
Rate1.55%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
Business Money Market Account
1.56%
$0
▼
Rate1.55%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
Money Market Account 1
1.56%
$0
▼
Rate1.55%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
Money Market Account
1.56%
$0
▼
Rate1.55%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX 77079 4416
Money Market
1.55%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
yields as high as
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
Money Market
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
Money Market
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Based on average daily balance
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
Money Market (IRA)
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Based on average daily balance
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
Money Market Account
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
Money Market Account 1
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
2315 Mangum Rd, Houston, TX 77092
Money Market
1.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
ACCOUNTS AS HIGH AS
Smart Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.10%
4411 S Wayside Dr, Houston, TX 77087 1109
Money Market Account
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
InvesTex Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.65%
905 Aldine Bender Rd, Houston, TX 77032
Money Market
1.46%
$0
▼
Rate1.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
Business Money Market Account
1.46%
$0
▼
Rate1.45%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX 77079 4416
Insured Money Market
1.45%
$0
▼
Rate1.44%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
9701 Manchester St, Houston, TX 77012 2408
Money Market
1.41%
$0
▼
Rate1.40%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
Money Market Account 1
1.36%
$0
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
Money Market Account
1.36%
$0
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150, Houston, TX 77079 4416
Insured Money Market
1.35%
$0
▼
Rate1.34%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX 77084
Money Market Accounts
1.35%
$2,500
▼
Rate1.35%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details
Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
19626 Saums Rd, Houston, TX 77084
Money Market Accounts
1.30%
$2,500
▼
Rate1.30%
Min Deposit$2,500
Min Balance—
UpdatedMay 10, 2026
Details
Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
14243 E Sam Houston Pkwy N Ste 100, Houston, TX 77044
Money Market
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
845 N Eldridge Pkwy, Houston, TX 77079
Money Market k
1.22%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$100
ADVANCIAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
845 N Eldridge Pkwy, Houston, TX 77079
Premium Money Market
1.22%
$0
▼
Rate1.21%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Central Bank Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
11201 Clay Rd, Houston, TX 77041
Money Market
1.01%
$100
▼
Rate1.00%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details
Lone Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2600 S Gessner Rd, Houston, TX 77063
Personal Money Market
0.85%
$250
▼
Rate0.85%
Min Deposit$250
Min Balance—
UpdatedMay 5, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★ Texas Ratio: 5.08%
3810 Richmond Ave, Houston, TX 77027
TotalView Money Market Savings
0.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Central Bank Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
11201 Clay Rd, Houston, TX 77041
Money Market
0.75%
$100
▼
Rate0.75%
Min Deposit$100
Min Balance—
UpdatedMay 4, 2026
Details
OWB One World Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
10080 Bellaire Blvd Ste 101, Houston, TX 77072
Rocket 88 Money Market Accounts (Personal & Business)
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
OWB One World Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
10080 Bellaire Blvd Ste 101, Houston, TX 77072
OWB Variable Rate Money Market (Personal & Business)
0.65%
$0
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
First Horizon
Institution Rating:
A+5.0 ★ Texas Ratio: 5.08%
3810 Richmond Ave, Houston, TX 77027
TotalView Money Market Savings
0.60%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
ADVANCIAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
845 N Eldridge Pkwy, Houston, TX 77079
Business Money Market
0.56%
$0
▼
Rate0.56%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
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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 Houston, 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.
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.
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 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)?
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 Houston, 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 Houston, 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 Houston, 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 Houston, 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 Houston, Texas
Here are some of the highest money market account APYs currently available in Houston, Texas and the surrounding area:
- The Huntington National Bank
High-Yield Money Market — 3.82% APY - 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 - Essential Credit Union
Money Market — 3.60% APY - Lone Star Bank
Personal Money Market — 3.56% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Houston, Texas. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: May 12, 2026
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