Plano, Texas Money Market Rates - October 2026
Brian McKay
Brian McKay
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Plano, Texas money market account rates range from 0.25% to 4.00% APY, verified by MonitorBankRates as of October 13, 2026. Current Plano, Texas and the surrounding area money market deposit account rates include Frost BankFrost Bank5021 W Park Blvd, Plano, TX 75093A+5.0 ★Texas Ratio: 2.51%Real return: +1.20%APY minus 2.8% CPI (February 2026) Money Market at 4.00% APY, FNBO DirectFNBO Direct1300 Preston Rd, Plano, TX 75093A+5.0 ★Texas Ratio: 4.82%Real return: +0.75%APY minus 2.8% CPI (February 2026) Online Money Market Account at 3.55% APY, Sunflower BankSunflower Bank2701 Dallas Pkwy, Plano, TX 75093A5.0 ★Texas Ratio: 10.77%Real return: +0.72%APY minus 2.8% CPI (February 2026) Thrive Money Market at 3.52% APY, VirtualBankVirtualBank2500 Dallas Pkwy, Plano, TX 75093A+5.0 ★Texas Ratio: 5.76%Real return: +0.71%APY minus 2.8% CPI (February 2026) eMoney Market Special at 3.51% APY, and Texans Credit UnionTexans Credit Union101 W Spring Creek Pkwy Ste 733, Plano, TX 75023A+5.0 ★Texas Ratio: 4.22%Real return: +0.70%APY minus 2.8% CPI (February 2026) Performance Money Market Account at 3.50% APY. Money market rates as of October 13, 2026 according to verified data from MonitorBankRates.
Plano has 16 local institutions in our database, with money market rates as high as 4.00% APY from Frost Bank at 5021 W Park Blvd, Plano, TX 75093. 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 Plano, Texas and surrounding area. Last Updated and Verified: October 13, 2026
Compare the Best Money Market Rates Today in Plano, Texas & the Surrounding Area
Balance: $500,000 and over; $500,000+
Balance: $100,000 and over
Balance: $100,000 and over
Balance: $500,000 -$999,999.99
Balance: $24,999.00 & Below
- Oct 7, 20263.52%▲ from 3.02%
- Oct 2, 20263.02%▼ from 3.52%
- Sep 24, 20263.52%▲ from 3.02%
- Sep 18, 20263.02%▼ from 3.05%
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: $1,000,000 or more
Balance: $100,000 - $499,999.99
Balance: $500,000.00 - or more
Balance: $250,000.00 - $499,999.99
Balance: $25,000 - $99,999.99
Balance: $100,000 and over
Balance: $25,000.00 to $2,000,000.99
Balance: $25,000.00 to $2,000,000.99
Balance: $150,000.00 - $249,999.99
Balance: $1,000 to $99,999.99
Balance: $100,000.00 - $149,999.99
Published APY range: 3.25% - 3.55%. Annual Percentage Yield (APY) accurate as of 12-19-2025. Rates may also change after the account is opened. Fees may reduce earnings. You may make no more than six transfers and withdrawals from the account during any calendar month. Additional withdrawals will be subject to a $5.00 fee each.
Balance: $0 -$24,999.99
Balance: $50,000.00 - $99,999.99
Balance: $750,000 to $999,999.99
Balance: $1,000 to $99,999.99
Balance: $0.00 - or more
Balance: $25,000.00 - $49,999.99
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: $24,999.01 & Above
- Oct 7, 20263.02%▼ from 3.52%
- Oct 2, 20263.52%▲ from 3.42%
- Sep 18, 20263.42%▼ from 3.45%
- Sep 9, 20263.45%first recorded
Balance: $500,000 to $749,999.99
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: $1,000 to $99,999.99
Balance: $20,000,000 and Over
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
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: $250,000 to $499,999.99
Balance: $150,000.00 and over; Tier 4 of Classic Money Market; Paid monthly; No monthly service fees
Balance: $150,000+; Minimum balance of $2,500 required
- Oct 12, 20262.43%▲ from 1.76%
- Sep 14, 20261.76%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: $100,000 to $249,999.99
Balance: $2,500.00 - $10,000.00; Blended tier rate; Personal only (one per tax-reported owner); Paid monthly; No monthly service fees
Balance: $75,000.00 - $149,999.99; Tier 3 of Classic Money Market; Paid monthly; No monthly service fees
Balance: $2,500 - $10,000
Balance: $75,000 - $149,999.99; Minimum balance of $2,500 required
- Oct 12, 20262.22%▲ from 1.76%
- Sep 14, 20261.76%first recorded
Balance: $250,000 - $749,999.99
Balance: $100,000 - $249,999.99
Balance: $25,000.01 and over; Blended tier rate; Personal only (one per tax-reported owner); Paid monthly; No monthly service fees
Published APY range: 2.04% - 1.76%. Balance: $25,000.01 and over
- Oct 12, 20262.04%▼ from 2.22%
- Sep 14, 20262.22%first recorded
Balance: $500 - $249,999.99
Balance: $500,000 +. $1,000 minimum to avoid $10 monthly service charge
Balance: $50,000 to $99,999.99
Balance: $2,500.00 - $24,999.99; Tier 1 of Classic Money Market; Paid monthly; No monthly service fees
Balance: $2,500 - $24,999.99; Minimum balance of $2,500 required
Balance: $25,000 to $49,999.99
Balance: $250,000 - $499,999. $1,000 minimum to avoid $10 monthly service charge
Balance: $90,000 - $249,999. $1,000 minimum to avoid $10 monthly service charge
Balance: $10,000 to $24,999.99
Balance: $100,000 and over
Balance: $100,000 and over
Balance: $100,000 and over
Balance: $250,000 +
Balance: $0.01 to $9,999.99
Balance: $50,000 - $99,999.99
Balance: $25,000 - $49,999.99
Balance: $100,000 - 249,999.99
Balance: $0.00 - $24,999.99
Balance: $500,000.00 - or more
Balance: $500,000.00 - or more
Balance: $500,000.00 - or more
Balance: $250,000.00 - $499,999.99
Balance: $250,000.00 - $499,999.99
Balance: $250,000.00 - $499,999.99
Balance: $150,000.00 - $249,999.99
Balance: $150,000.00 - $249,999.99
Balance: $150,000.00 - $249,999.99
Balance: $100,000.00 - $149,999.99
Balance: $100,000.00 - $149,999.99
Balance: $100,000.00 - $149,999.99
Balance: $50,000.00 - $99,999.99
Balance: $50,000.00 - $99,999.99
Balance: $50,000.00 - $99,999.99
Balance: $25,000.00 - $49,999.99
Balance: $25,000.00 - $49,999.99
Balance: $25,000.00 - $49,999.99
Balance: $10,000.00 - $24,999.99
Balance: $10,000.00 - $24,999.99
Balance: $10,000.00 - $24,999.99
Balance: $10,000.00 - $24,999.99
Balance: $0.00 - $9,999.99
Balance: $0.00 - $9,999.99
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.
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 0.006 points over the past 7 days to 3.179% APY.
Texas standard MMA rates rose 0.019 points over the past 7 days to 0.792% APY.
Plano, 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 3.179% 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 Plano, Texas.
Money Market Account Earnings in Plano, 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 (3.179% APY) | Monthly Earnings | Standard MMA (0.792% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $317.85 / year | $26.49 | $79.19 / year | $6.60 |
| $25,000 | $794.63 / year | $66.22 | $197.98 / year | $16.50 |
| $50,000 | $1,589.25 / year | $132.44 | $395.95 / year | $33.00 |
| $100,000 | $3,178.50 / year | $264.88 | $791.90 / year | $65.99 |
| 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: Plano, Texas money market rate averages as of October 13, 2026. | ||||
About Our Plano, Texas Money Market Rate Database
MonitorBankRates found 16 institutions with branches in Plano (13 banks, 3 credit unions), plus 15 additional state-chartered and national online institutions available to Plano residents. 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 Plano, Texas.
How to Find the Best Money Market Rates in Plano, Texas
What to compare when shopping for a money market account in Plano, Texas
To find the best money market APYs in Plano, Texas, start with credit unions and online-only banks: Plano, Texas has 9 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 3.179% 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. Plano, Texas high-yield money market rates currently average 3.179% 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 Plano, Texas institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 31 institutions in Plano, 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 Plano, Texas CD rates
- You don’t need check writing and want a lower minimum Plano, Texas savings rates
- You need daily transaction access Plano, Texas checking rates
Plano, Texas Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
14.7% of residents are 65 or older, below the national average of 17.3%. At today’s TX high-yield money market average of 3.179%, saving 10% of the local median salary ($6,061/year) would earn an additional $193 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Plano, Texas Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Plano, Texas.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current TX Avg APY | 3.179% | View Savings Rates | 0.792%(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 Plano, Texas averages tracked in our database as of October 13, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Plano, 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 Plano, 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 Plano, 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 Plano, Texas earner is roughly $15,200. At 3.179% APY in a money market account, saving $1,260/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 3.179% 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 Plano, Texas earner makes $60,611/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.179% APY.
Retirement PlannerA $25,000 money market balance earning 3.179% APY grows to roughly $46,744 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 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?
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 Plano, Texas for money market accounts?
Best Money Market Rates in Plano, Texas
- Frost Bank
Money Market: 4.00% APY - FNBO Direct
Online Money Market Account: 3.55% APY - Sunflower Bank
Thrive Money Market: 3.52% APY - VirtualBank
eMoney Market Special: 3.51% APY - Texans Credit Union
Performance Money Market Account: 3.50% APY
Plano, Texas Rates & Resources
