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Best Money Market Rates in Richardson, Texas (TX) - May 2026

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Brian McKay Brian McKay
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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.
| ✓Fact Checked | Last Updated: May 12, 2026

Current Richardson, Texas and the surrounding area money market deposit account rates include The Huntington National BankThe Huntington National Bank1301 E Campbell Rd, Richardson, TX 75081A+5.0 ★Texas Ratio: 4.60% High-Yield Money Market at 3.82% APY, State Bank of TexasState Bank of Texas500 W Belt Line Rd, Richardson, TX 75080A+5.0 ★Texas Ratio: 2.36% High-Rate Jumbo Money Market at 3.76% APY, OWB One World BankOWB One World Bank100 N Central Expy, Richardson, TX 75080A+5.0 ★Texas Ratio: 0.80% Rocket 88 Money Market Accounts (Personal & Business) at 3.75% APY, Texans Credit UnionTexans Credit Union777 E Campbell Rd, Richardson, TX 75081 1891A+5.0 ★Texas Ratio: 2.88% Money Market Account at 3.50% APY, and Baxter Credit UnionBaxter Credit Union2280 N Greenville Ave, Richardson, TX 75082 4412A5.0 ★Texas Ratio: 7.73% Money Market Special at 3.50% APY. Money market rates as of May 12, 2026 according to verified data from MonitorBankRates.

Richardson has 10 local institutions in our database, with money market rates as high as 3.82% APY from The Huntington National Bank at 1301 E Campbell Rd, Richardson, TX 75081. 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 Richardson, Texas and surrounding area. Last Updated and Verified: May 12, 2026

Compare the Best Money Market Rates Today in Richardson, 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%
1301 E Campbell Rd, Richardson, TX 75081
High-Yield Money Market
3.82%
$25,000
View
▼
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%
1301 E Campbell Rd, Richardson, TX 75081
Huntington Relationship Money Market
3.82%
$25,000
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details

State Bank of Texas
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
500 W Belt Line Rd, Richardson, TX 75080
High-Rate Jumbo Money Market
3.76%
$100,000
View
▼
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%
100 N Central Expy, Richardson, TX 75080
Rocket 88 Money Market Accounts (Personal & Business)
3.75%
$0
View
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
2280 N Greenville Ave, Richardson, TX 75082 4412
Money Market Special Intro rate
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

$15,000+

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
2280 N Greenville Ave, Richardson, TX 75082 4412
Money Market Special
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Texans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
777 E Campbell Rd, Richardson, TX 75081 1891
Money Market Account
3.50%
$500
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details

Qualifying balance up to $1,000,000

Sunflower Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
1755 N Collins Blvd, Richardson, TX 75080
Thrive Money Market
3.45%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

$24,999.01 & Above

Truist
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
801 E Campbell Rd, Richardson, TX 75081
Small Business Money Market Account
3.40%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Golden Bank National Association
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
300 Terrace Dr, Richardson, TX 75081
money market account
3.38%
$20,000
View
▼
Rate—
Min Deposit$20,000
Min Balance—
UpdatedApr 16, 2026
Details

new money

The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
1301 E Campbell Rd, Richardson, TX 75081
High-Yield Money Market
3.20%
$25,000
View
▼
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%
1301 E Campbell Rd, Richardson, TX 75081
Huntington Relationship Money Market
3.20%
$25,000
View
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details

Sunflower Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
1755 N Collins Blvd, Richardson, TX 75080
Thrive Money Market
3.05%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

$24,999.00 & Below

OWB One World Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
100 N Central Expy, Richardson, TX 75080
Rocket 88 Money Market Accounts (Personal & Business)
1.75%
$0
View
▼
Rate1.74%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
2280 N Greenville Ave, Richardson, TX 75082 4412
Money Market Special
1.25%
$0
View
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

$15,000+

ADVANCIAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
710 W Renner Rd, Richardson, TX 75080
Premium Money Market
1.22%
$0
View
▼
Rate1.21%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

ADVANCIAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
710 W Renner Rd, Richardson, TX 75080
Money Market k
1.22%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

$100

OWB One World Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
100 N Central Expy, Richardson, TX 75080
Rocket 88 Money Market Accounts (Personal & Business)
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

OWB One World Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
100 N Central Expy, Richardson, TX 75080
OWB Variable Rate Money Market (Personal & Business)
0.65%
$0
View
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

ADVANCIAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
710 W Renner Rd, Richardson, TX 75080
Money Market
0.56%
$0
View
▼
Rate0.56%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

ADVANCIAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
710 W Renner Rd, Richardson, TX 75080
Business Money Market
0.56%
$0
View
▼
Rate0.56%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

OWB One World Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
100 N Central Expy, Richardson, TX 75080
OWB Variable Rate Money Market (Personal & Business)
0.55%
$0
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

ADVANCIAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
710 W Renner Rd, Richardson, TX 75080
Money Market
0.51%
$0
View
▼
Rate0.51%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

ADVANCIAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
710 W Renner Rd, Richardson, TX 75080
Business Money Market
0.51%
$0
View
▼
Rate0.51%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

ADVANCIAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
710 W Renner Rd, Richardson, TX 75080
Money Market
0.46%
$0
View
▼
Rate0.46%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

ADVANCIAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
710 W Renner Rd, Richardson, TX 75080
Business Money Market
0.46%
$0
View
▼
Rate0.46%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

OWB One World Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
100 N Central Expy, Richardson, TX 75080
OWB Variable Rate Money Market (Personal & Business)
0.45%
$0
View
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

OWB One World Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
100 N Central Expy, Richardson, TX 75080
OWB Variable Rate Money Market (Personal & Business)
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
2280 N Greenville Ave, Richardson, TX 75082 4412
Regular Money Market
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

OWB One World Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
100 N Central Expy, Richardson, TX 75080
OWB Variable Rate Money Market (Personal & Business)
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
2280 N Greenville Ave, Richardson, TX 75082 4412
Regular Money Market
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
2280 N Greenville Ave, Richardson, TX 75082 4412
Regular Money Market
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

OWB One World Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
100 N Central Expy, Richardson, TX 75080
OWB Variable Rate Money Market (Personal & Business)
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Neighborhood Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.73%
1271 W Campbell Rd, Richardson, TX 75080 2946
Money Market
0.10%
$1,000
View
▼
Rate0.10%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details

$1,000 to $9,999.99

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
2280 N Greenville Ave, Richardson, TX 75082 4412
Regular Money Market
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
2280 N Greenville Ave, Richardson, TX 75082 4412
IRA Money Market
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

OWB One World Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
100 N Central Expy, Richardson, TX 75080
Rocket 88 Money Market Accounts (Personal & Business)
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

OWB One World Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
100 N Central Expy, Richardson, TX 75080
OWB Variable Rate Money Market (Personal & Business)
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

OWB One World Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
100 N Central Expy, Richardson, TX 75080
OWB Variable Rate Money Market (Personal & Business)
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
2280 N Greenville Ave, Richardson, TX 75082 4412
Regular Money Market
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
2280 N Greenville Ave, Richardson, TX 75082 4412
Money Market Special Less than
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

$15,000

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
2280 N Greenville Ave, Richardson, TX 75082 4412
IRA Money Market
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Mobility Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.61%
Money Market
3.82%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Fannin Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.49%
Money Market
3.82%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Money Market Account
3.61%
$0
View
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Essential Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.36%
Money Market Accounts
3.60%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

On balance above $350,000

Essential Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.36%
Money Market
3.60%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Community Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
High Yield Savings (Money Market)
3.60%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Lone Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Personal Money Market
3.56%
$250
View
▼
Rate3.50%
Min Deposit$250
Min Balance—
UpdatedMay 5, 2026
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Money Market Account
3.56%
$0
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Sun Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.66%
Sun Fund Money Market
3.51%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Balance $50,000 or more

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Money Market Account
3.51%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
Money Market Max
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Las Colinas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
Money Market Account
3.50%
$500
View
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Money Market
3.50%
$0
View
▼
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%
Money Market (IRA)
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

New money only

Community Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
High Yield Savings (Money Market)
3.50%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Money Market Account
3.45%
$0
View
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
Money Market Max
3.40%
$0
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Community Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
High Yield Savings (Money Market)
3.40%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
Commercial Money Market
3.35%
$0
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

($2,500 Opening Balance)

PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
Money Market Max
3.30%
$0
View
▼
Rate3.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

American State Bank (TX)
Institution Rating:
A-4.9 ★ Texas Ratio: 16.23%
Pinnacle Money Market Account
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

NexBank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.79%
High-Yield Money Market Account
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Money Market
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Community Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
High Yield Savings (Money Market)
3.25%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

$1,000,000-Above

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Money Market Plus Account
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

American State Bank (TX)
Institution Rating:
A-4.9 ★ Texas Ratio: 16.23%
Pinnacle Money Market Account Tier 3
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Lone Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Business Money Market
3.25%
$2,500
View
▼
Rate3.20%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details

American State Bank (TX)
Institution Rating:
A-4.9 ★ Texas Ratio: 16.23%
Pinnacle Money Market Account Tier 4
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
Money Market Max
3.20%
$0
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
Money Market Savings
3.20%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

On balances of $25,000+

Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
Business Advantage Money Market Account
3.15%
$0
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
Advantage IRA Money Market
3.15%
$0
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Community Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
High Yield Savings (Money Market)
3.15%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

$750,000.00-$999,999.99

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
Commercial Money Market
3.15%
$0
View
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

($2,500 Opening Balance)

Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
Money Market
3.15%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
Advantage Money Market
3.15%
$0
View
▼
Rate3.10%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Lone Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Personal Money Market† 6 Months
3.14%
$1,000
View
▼
Rate3.09%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details

b1BANK
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
MAX Money Market
3.12%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Oakwood Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.07%
MAX Money Market
3.12%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

The MINT National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
MonuMINT Emerald MMA
3.10%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Money Market
3.10%
$0
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
Money Market Max
3.10%
$0
View
▼
Rate3.06%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

The MINT National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
ManageMINT Emerald MMA
3.10%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Armed Forces Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.63%
Premier Money Market
3.05%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Community Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
High Yield Savings (Money Market)
3.05%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

$500,000.00-$749,999.99

Texoma Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
MMA Platinum and up)
3.04%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

$100,000

Trinity Bank, N.A.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
Trinity Personal Money Market Account
3.04%
$500
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details

Trinity Bank, N.A.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
Trinity Commercial Money Market Account
3.04%
$500
View
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details

BP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
Money Market
3.04%
$2,500
View
▼
Rate3.00%
Min Deposit$2,500
Min Balance—
UpdatedMay 7, 2026
Details

$100,000 +

Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
Business Money Market Plus
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
Commercial Money Market
3.00%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

($2,500 Opening Balance)

TEXAR Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
Money Market Checking Tiers
3.00%
$2,500
View
▼
Rate2.96%
Min Deposit$2,500
Min Balance—
UpdatedMay 7, 2026
Details

Planters Bank & Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
High Yield Money Market
2.95%
$0
View
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

Lone Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Business Money Market
2.94%
$2,500
View
▼
Rate2.90%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details

Trinity Bank, N.A.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
Trinity Personal Money Market Account
2.84%
$500
View
▼
Rate2.80%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details

Trinity Bank, N.A.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
Trinity Commercial Money Market Account
2.84%
$500
View
▼
Rate2.80%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details

Lone Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Personal Money Market† 12 Months
2.83%
$1,000
View
▼
Rate2.79%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details

Lone Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Personal Money Market† 11 Months
2.83%
$1,000
View
▼
Rate2.79%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details

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 Richardson, 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.

Richardson, TX Money Market Rate Trends

Compare local Richardson, 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.

View Full Texas MMA Trends →
High-Yield MMA — TX Avg
3.319%
Unchanged vs 7 days ago

Texas high-yield MMA rates currently average 3.319% APY.

Standard MMA — TX Avg
0.750%
Unchanged vs 7 days ago

Texas standard MMA rates currently average 0.750% APY.

As of May 14, 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 Richardson, 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 Richardson, 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 Richardson, 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 Richardson, 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 Richardson, 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 Richardson, 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 Richardson, 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 Richardson, Texas

Here are some of the highest money market account APYs currently available in Richardson, 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
  • Texans Credit Union
    Money Market Account — 3.50% APY
  • Baxter Credit Union
    Money Market Special — 3.50% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Richardson, 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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