Best Money Market Rates in Texas - July 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 Texas money market deposit account rates include TruistTruist2312 Main St, Caddo Mills, TX 75135A+5.0 ★Texas Ratio: 3.63% Small Business Money Market Account at 4.00% APY, Mobility Credit UnionMobility Credit Union8384 N Belt Line Rd, Irving, TX 75063 6006A5.0 ★Texas Ratio: 11.85% Money Market at 3.82% APY, State Bank of TexasState Bank of Texas517 W I 30, Garland, TX 75043A+5.0 ★Texas Ratio: 2.36% High-Rate Jumbo Money Market at 3.76% APY, The Huntington National BankThe Huntington National Bank7500 San Felipe St, Houston, TX 77063A+5.0 ★Texas Ratio: 4.60% High Yield Money Market at 3.75% APY, and OWB One World BankOWB One World Bank2449 Walnut Hill Ln, Dallas, TX 75229A+5.0 ★Texas Ratio: 0.80% Rocket 88 Money Market Accounts (Personal & Business) at 3.75% APY. Money market rates as of July 12, 2026 according to verified data from MonitorBankRates.
Use the tables below to compare money market rates across Texas side-by-side. Texas money market rates currently reach as high as 4.00% APY from Truist at 2312 Main St, Caddo Mills, TX 75135. Rates are continually updated — we recommend checking back frequently.
Rates reflect recent market quotes and representative offers available to depositors in Texas and surrounding area. Last Updated and Verified: July 12, 2026
Compare the Best Money Market Rates Today in Texas
Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Truist
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
2312 Main St, Caddo Mills, TX 75135
Small Business Money Market Account
4.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Eligible clients can open a new Truist Business Money Market Account and earn up to 4.00% annual percentage yield (APY) for balances between $5,000 - $4,999,999.99.
Mobility Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.85%
8384 N Belt Line Rd, Irving, TX 75063 6006
Money Market
3.82%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Earn up to 5.12% APY and get low-rate loans with fast local approvals.
State Bank of Texas
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
517 W I 30, Garland, TX 75043
High-Rate Jumbo Money Market
3.76%
$100,000
▼
Rate—
Min Deposit$100,000
Min Balance—
UpdatedJul 11, 2026
Details
Rate is subject to change without notice after account opening. Fees and/or withdrawals could reduce the earnings on the account.
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
7500 San Felipe St, Houston, TX 77063
High Yield Money Market
3.75%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedJul 11, 2026
Details
Rates based on zip code and with a minimum of $25,000 not currently deposited at Huntington. Variable rate. Balances $2,000,001.00 and above currently earn 0.25% (0.25% APY). Balances below $25,000.00 do not earn interest. Offer is limited to one per household. Not valid with any other offer.
OWB One World Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
2449 Walnut Hill Ln, Dallas, TX 75229
Rocket 88 Money Market Accounts (Personal & Business)
3.75%
$0
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedJul 12, 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
3.75%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedJul 11, 2026
Details
Rates are based on zip code. The interest rate is variable and subject to change at any time. 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). Offer is limited to one per household. We also reserve the right to limit acceptance of deposits greater than $2,000,000.00. Not valid with any other offer.
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Money Market Account
3.61%
$0
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Essential Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.15%
1199 Pasadena Blvd, Pasadena, TX 77501
Money Market Accounts
3.60%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
On balance above $350,000
Essential Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.15%
1199 Pasadena Blvd, Pasadena, TX 77501
Money Market Tiers
3.60%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
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—
UpdatedJul 12, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Money Market Account
3.56%
$0
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Money Market Account
3.51%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Texans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
777 E Campbell Rd, Richardson, TX 75081 1891
Money Market Account
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Required minimum balance to open is $500. This is a variable rate account. Dividend rates and balance tiers may change at any time without prior notice. Dividends on Money Market Accounts will be compounded monthly and credited each calendar month. APY is accurate as of the last dividend declaration date. Fees could reduce the earnings on the account.
Texans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
777 E Campbell Rd, Richardson, TX 75081 1891
Performance Money Market Account
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX 77090 6716
Money Market Max
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Las Colinas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.37%
9797 Rombauer Rd, Coppell, TX 75019 5173
Money Market Account
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
APY is accurate as of 12/01/2025. Required minimum balance to open is $500. To earn the stated APY, minimum balance required is $1,000,000. This is a variable rate account. Dividend rates and balance tiers may change at any time without prior notice. Dividends on Money Market Accounts will be compounded monthly and credited each calendar month. APY is accurate as of the last dividend declaration date. Fees could reduce the earnings on the account.
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Money Market Account
3.45%
$0
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Sunflower Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
200 W Morgan, Meridian, TX 76665
Thrive Money Market
3.45%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX 77090 6716
Money Market Max
3.40%
$0
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX 77090 6716
Money Market Max
3.30%
$0
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
Money Market Plus Account
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Texans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
777 E Campbell Rd, Richardson, TX 75081 1891
Performance Money Market Account
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.19%
17 S 1st St, Temple, TX 76501 7603
Money Market
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 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—
UpdatedJul 12, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
1 Lone Star Pass Bldg 1, San Antonio, TX 78264
Money Market Plus
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
NexBank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.79%
2515 Mckinney Ave, Dallas, TX 75201
High-Yield Money Market Account
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
American State Bank (TX)
Institution Rating:
A-4.9 ★ Texas Ratio: 16.23%
102 W Front, Arp, TX 75750
Pinnacle Money Market Account Tier 3
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
$250,000.00 - $499,999.99
American State Bank (TX)
Institution Rating:
A-4.9 ★ Texas Ratio: 16.23%
102 W Front, Arp, TX 75750
Pinnacle Money Market Account Tier 4
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
$500,000.00 and above
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX 77090 6716
Money Market Max
3.20%
$0
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX 77073 5114
Advantage Money Market
3.15%
$0
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX 77073 5114
Advantage IRA Money Market
3.15%
$0
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Tiered balance
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX 77073 5114
Money Market
3.15%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd, Houston, TX 77073 5114
Business Advantage Money Market Account
3.15%
$0
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Oakwood Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.07%
8411 Preston Rd Ste 106, Dallas, TX 75225
MAX Money Market
3.12%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
4849 N Mesa St, El Paso, TX 79912
Money Market
3.10%
$0
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
The MINT National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
1213 Kingwood Dr, Kingwood, TX 77339
ManageMINT Emerald MMA (Money Market)
3.10%
$0
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX 77090 6716
Money Market Max
3.10%
$0
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
The MINT National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
1213 Kingwood Dr, Kingwood, TX 77339
MonuMINT Emerald MMA (Money Market)
3.10%
$0
▼
Rate3.05%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.14%
1404 N Lee Trevino Dr, El Paso, TX 79936 6533
Money Market Savings
3.10%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
On balances of $25,000+
Sunflower Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
200 W Morgan, Meridian, TX 76665
Thrive Money Market
3.05%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
BP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.22%
15455 Memorial Dr Ste 200, Houston, TX 77079 4136
Money Market
3.04%
$2,500
▼
Rate3.00%
Min Deposit$2,500
Min Balance—
UpdatedJul 12, 2026
Details
Balance tier: $100,000 +
Trinity Bank, N.A.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
3500 W Vickery Blvd, Fort Worth, TX 76107
Trinity Commercial Money Market Account
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Fees may reduce earnings on the account. Rate may change after account opens. Rates and APY as of 1/22/2026
Trinity Bank, N.A.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
3500 W Vickery Blvd, Fort Worth, TX 76107
Trinity Personal Money Market Account
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Fees may reduce earnings on the account. Rate may change after account opens. Rates and APY as of 1/22/2026
Gulf Capital Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.95%
1 Riverway, Houston, TX 77056
Money Market Account
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Gulf Capital Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.95%
1 Riverway, Houston, TX 77056
Money Market Accounts
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Texans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
777 E Campbell Rd, Richardson, TX 75081 1891
Performance Money Market Account
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
1021 Central Expy S, allen, TX 75013 2790
Business Money Market Plus
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr, Houston, TX 77090 6716
Money Market Max
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
TEXAR Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
2301 RICHMOND RD, TEXARKANA, TX 75503
Money Market Checking Tiers
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX 78232
FB-Org Money Market Account [MMA]
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 11, 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—
UpdatedJul 12, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
4849 N Mesa St, El Paso, TX 79912
Money Market
2.85%
$0
▼
Rate2.81%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Trinity Bank, N.A.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
3500 W Vickery Blvd, Fort Worth, TX 76107
Trinity Commercial Money Market Account
2.84%
$0
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Fees may reduce earnings on the account. Rate may change after account opens. Rates and APY as of 1/22/2026
Trinity Bank, N.A.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
3500 W Vickery Blvd, Fort Worth, TX 76107
Trinity Personal Money Market Account
2.84%
$0
▼
Rate2.80%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Fees may reduce earnings on the account. Rate may change after account opens. Rates and APY as of 1/22/2026
First Liberty Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
2600 Dallas Pkwy, Frisco, TX 75034
Platinum Money Market
2.80%
$0
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2802 York Ave Unit D, LUBBOCK, TX 79407 2632
Money Market Savings
2.75%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Rates effective 9/29/2025. APY = Annual Percentage Yield. For current rates, call 806-742-3606. Rates subject to change based on account balance criteria. Fees may reduce earnings.
TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 3.51%
1802 Texas Tech Parkway, Lubbock, TX 79409
Money Market Savings
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rates effective 9/29/2025. APY = Annual Percentage Yield. Rates subject to change based on account balance criteria. Fees may reduce earnings.
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.37%
2601 Network Blvd, Frisco, TX 75034
Money Market
2.70%
$0
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedJun 26, 2026
Details
Balance of more than $500,000
First Liberty Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
2600 Dallas Pkwy, Frisco, TX 75034
Platinum Money Market
2.60%
$0
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
4849 N Mesa St, El Paso, TX 79912
Money Market
2.60%
$0
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX 79603
Money Market Savings Account
2.53%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
4800 GROVER AVE, AUSTIN, TX 78756
Money Market Checking
2.52%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
4800 GROVER AVE, AUSTIN, TX 78756
Money Market
2.52%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Dividends: Monthly
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.19%
17 S 1st St, Temple, TX 76501 7603
Money Market
2.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Texans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
777 E Campbell Rd, Richardson, TX 75081 1891
Performance Money Market Account
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
1021 Central Expy S, allen, TX 75013 2790
Money Market Max*
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
1021 Central Expy S, allen, TX 75013 2790
Money Market Max
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
1021 Central Expy S, allen, TX 75013 2790
Money Market
2.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Money Market as high as 2.50% APY*
HEB Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
4630 N Loop 1604 W Ste 101, San Antonio, TX 78249
Money Market Plus*
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Lubbock Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2802 York Ave Unit D, LUBBOCK, TX 79407 2632
Money Market Savings
2.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details
Rates effective 9/29/2025. APY = Annual Percentage Yield. For current rates, call 806-742-3606. Rates subject to change based on account balance criteria. Fees may reduce earnings.
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX 78232
Plus Money Market Account
2.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX 78232
Plus Money Market
2.50%
$25,000
▼
Rate2.47%
Min Deposit$25,000
Min Balance—
UpdatedJul 11, 2026
Details
MMA Rates and APYs valid for IRAs
TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 3.51%
1802 Texas Tech Parkway, Lubbock, TX 79409
Money Market Savings
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rates effective 9/29/2025. APY = Annual Percentage Yield. Rates subject to change based on account balance criteria. Fees may reduce earnings.
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX 78232
Business Money Market
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
No Minimum Initial Deposit
Randolph Brooks FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
1 IKEA RBFCU Parkway, Live Oak, TX 78233 2416
RBFCU Classic Money Market
2.43%
$0
▼
Rate2.40%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Money Market Account
2.32%
$0
▼
Rate2.30%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.09%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Money Market Account
2.27%
$0
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Mesquite Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.75%
1510 N Galloway Ave, Mesquite, TX 75149
Money Market Account
2.27%
$0
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
Abilene Teachers Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.90%
2801 N 6th St, Abilene, TX 79603
Money Market Savings Account
2.27%
$0
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedJul 8, 2026
Details
Members Choice Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.88%
18211 Katy Fwy, Houston, TX 77094 1395
Maximum Money Market
2.27%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details
APY=Annual Percentage Yield. Terms and conditions apply. Click for full details.
NexBank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.79%
2515 Mckinney Ave, Dallas, TX 75201
High-Yield Money Market Account
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
TEXAS TECH
Institution Rating:
A5.0 ★ Texas Ratio: 3.51%
1802 Texas Tech Parkway, Lubbock, TX 79409
Money Market Savings
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Rates effective 9/29/2025. APY = Annual Percentage Yield. Rates subject to change based on account balance criteria. Fees may reduce earnings.
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX 78232
FB-Org Money Market Account [MMA]
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
First Liberty Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
2600 Dallas Pkwy, Frisco, TX 75034
Platinum Money Market
2.20%
$0
▼
Rate2.18%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
The MINT National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
1213 Kingwood Dr, Kingwood, TX 77339
ManageMINT Emerald MMA (Money Market)
2.10%
$0
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
The MINT National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
1213 Kingwood Dr, Kingwood, TX 77339
MonuMINT Emerald MMA (Money Market)
2.10%
$0
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
The MINT National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
1213 Kingwood Dr, Kingwood, TX 77339
ManageMINT MMA
2.10%
$0
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
The MINT National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
1213 Kingwood Dr, Kingwood, TX 77339
MonuMINT MMA
2.10%
$0
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
First Liberty Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
2600 Dallas Pkwy, Frisco, TX 75034
Platinum Money Market
2.10%
$0
▼
Rate2.08%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
Perryton National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
825 S Main St, Perryton, TX 79070
Insured Money Market Account
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
FNB of Hereford
Institution Rating:
B+4.7 ★ Texas Ratio: 18.40%
301 W 3rd St, Hereford, TX 79045
Money Market
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
FSB Louise, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
731 W Leona St, Dilley, TX 78017
Tiered Money Market: Tier 3
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX 78232
Business Money Market
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
No Minimum Initial Deposit
FNB of Hereford
Institution Rating:
B+4.7 ★ Texas Ratio: 18.40%
301 W 3rd St, Hereford, TX 79045
Money Market
1.92%
$0
▼
Rate1.90%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
FNB of Hereford
Institution Rating:
B+4.7 ★ Texas Ratio: 18.40%
301 W 3rd St, Hereford, TX 79045
Money Market
1.76%
$0
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Perryton National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
825 S Main St, Perryton, TX 79070
Insured Money Market Account
1.76%
$0
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
First Commercial Bank, N.A.
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
1301 Oak Street, Jourdanton, TX 78026
Money Market
1.76%
$1,000,000
▼
Rate1.75%
Min Deposit$1,000,000
Min Balance—
UpdatedJul 12, 2026
Details
$1,000,000 and up
First Liberty Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
2600 Dallas Pkwy, Frisco, TX 75034
Platinum Money Market
1.75%
$0
▼
Rate1.73%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details
OWB One World Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
2449 Walnut Hill Ln, Dallas, TX 75229
Rocket 88 Money Market Accounts (Personal & Business)
1.75%
$0
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
17300 Henderson Pass, San Antonio, TX 78232
Plus Money Market
1.75%
$25,000
▼
Rate1.73%
Min Deposit$25,000
Min Balance—
UpdatedJul 11, 2026
Details
MMA Rates and APYs valid for IRAs
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 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.
Texas Money Market Rate Trends
Compare local Texas 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
3.356%
▲ 0.137 vs 7 days ago
Texas high-yield MMA rates rose 0.137 points over the past 7 days to 3.356% APY.
Standard MMA — TX Avg
0.794%
▲ 0.024 vs 7 days ago
Texas standard MMA rates rose 0.024 points over the past 7 days to 0.794% APY.
As of Jul 14, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our 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 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 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 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 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 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 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 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 Texas
Here are some of the highest money market account APYs currently available in Texas:
- Truist
Small Business Money Market Account — 4.00% APY - Mobility Credit Union
Money Market — 3.82% APY - State Bank of Texas
High-Rate Jumbo Money Market — 3.76% APY - The Huntington National Bank
High Yield Money Market — 3.75% APY - OWB One World Bank
Rocket 88 Money Market Accounts (Personal & Business) — 3.75% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Texas. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: July 12, 2026
Cities in Texas
Rate Assistant
MonitorBankRates.com · Live Data
Try asking