Best Money Market Rates in Plano, Texas - July 2026
Brian McKay
Brian McKay
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Current Plano, Texas and the surrounding area money market deposit account rates include TruistTruist3409 N Central Expy, Plano, TX 75023A+5.0 ★Texas Ratio: 3.63% Small Business Money Market Account at 4.00% APY, The Huntington National BankThe Huntington National Bank5049 W Park Blvd, Plano, TX 75093A+5.0 ★Texas Ratio: 4.60% High Yield Money Market at 3.75% APY, Texans Credit UnionTexans Credit Union101 W Spring Creek Pkwy Ste 733, Plano, TX 75023A+5.0 ★Texas Ratio: 2.78% Money Market Account at 3.50% APY, Sunflower BankSunflower Bank2701 Dallas Pkwy, Plano, TX 75093A+5.0 ★Texas Ratio: 5.67% Thrive Money Market at 3.45% APY, and UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union6565 Headquarters Dr, Plano, TX 75024 5965B4.4 ★Texas Ratio: 17.71% Money Market Plus at 3.25% APY. Money market rates as of July 13, 2026 according to verified data from MonitorBankRates.
Plano has 8 local institutions in our database, with money market rates as high as 4.00% APY from Truist at 3409 N Central Expy, Plano, TX 75023. 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 Plano, Texas and surrounding area. Last Updated and Verified: July 13, 2026
Compare the Best Money Market Rates Today in Plano, Texas & the Surrounding Area
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.
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.
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.
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.
Qualifying balance up to $149,999.99
Qualifying balance up to $24,999.99
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.
Balances $2,000,001.00 and above currently earn 0.25% (0.25% APY). Variable rate. Rates based on zip code and with a minimum of $25,000 not currently deposited at Huntington. Balances below $25,000.00 do not earn interest. Offer is limited to one per household. Not valid with any other offer.
Earn up to 5.12% APY and get low-rate loans with fast local approvals.
Rate is subject to change without notice after account opening. Fees and/or withdrawals could reduce the earnings on the account.
On balance above $350,000
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.
$250,000.00 - $499,999.99
$500,000.00 and above
Tiered balance
On balances of $25,000+
Fees may reduce earnings on the account. Rate may change after account opens. Rates and APY as of 1/22/2026
Balance tier: $100,000 +
Fees may reduce earnings on the account. Rate may change after account opens. Rates and APY as of 1/22/2026
Fees may reduce earnings on the account. Rate may change after account opens. Rates and APY as of 1/22/2026
Fees may reduce earnings on the account. Rate may change after account opens. Rates and APY as of 1/22/2026
Rates effective 9/29/2025. APY = Annual Percentage Yield. Rates subject to change based on account balance criteria. Fees may reduce earnings.
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.
Balance of more than $500,000
No Minimum Initial Deposit
MMA Rates and APYs valid for IRAs
Rates effective 9/29/2025. APY = Annual Percentage Yield. Rates subject to change based on account balance criteria. Fees may reduce earnings.
Rates effective 9/29/2025. APY = Annual Percentage Yield. Rates subject to change based on account balance criteria. Fees may reduce earnings.
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.
Plano, TX Money Market Rate Trends
Compare local Plano, 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 0.137 points over the past 7 days to 3.356% APY.
Texas standard MMA rates rose 0.024 points over the past 7 days to 0.794% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Plano, 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 Plano, 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 Plano, 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 Plano, Texas
What is a Money Market Account (MMA)?
Are Money Market accounts in Plano, Texas safe?
How often do MMA rates change in Plano, Texas?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Plano, Texas?
Best Money Market Rates in Plano, Texas
- Truist
Small Business Money Market Account — 4.00% APY - The Huntington National Bank
High Yield Money Market — 3.75% APY - Texans Credit Union
Money Market Account — 3.50% APY - Sunflower Bank
Thrive Money Market — 3.45% APY - UNIFY Financial Federal Credit Union
Money Market Plus — 3.25% APY
