Round Rock, Texas Money Market Rates - September 2026
Brian McKay
Brian McKay
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Current Round Rock, Texas and the surrounding area money market deposit account rates include SouthStar BankSouthStar Bank3025 Fm 1431, Round Rock, TX 78681A5.0 ★Texas Ratio: 7.03%Real return: +0.80%APY minus 2.8% CPI (February 2026) TEXAS SIZE MONEY MARKET at 3.60% APY, PlainsCapital BankPlainsCapital Bank400 Sundance Pkwy, Round Rock, TX 78681A5.0 ★Texas Ratio: 7.51%Real return: +0.27%APY minus 2.8% CPI (February 2026) Personal Money Market at 3.07% APY, VeraBankVeraBank902 E Palm Valley Blvd, Round Rock, TX 78664A+5.0 ★Texas Ratio: 5.57%Real return: +0.24%APY minus 2.8% CPI (February 2026) Money Market Accounts at 3.04% APY, Randolph Brooks FCURandolph Brooks FCU101 University Oaks Blvd, Round Rock, TX 78665A+5.0 ★Texas Ratio: 4.80%Real return: -0.37%APY minus 2.8% CPI (February 2026) Classic Money Market at 2.43% APY, and Austin Capital BankAustin Capital Bank1490 Rusk Rd, Round Rock, TX 78665A+5.0 ★Texas Ratio: 2.96%Real return: -0.78%APY minus 2.8% CPI (February 2026) Money Market at 2.02% APY. Money market rates as of September 22, 2026 according to verified data from MonitorBankRates.
Round Rock has 13 local institutions in our database, with money market rates as high as 3.60% APY from SouthStar Bank at 3025 Fm 1431, Round Rock, TX 78681. 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 Round Rock, Texas and surrounding area. Last Updated and Verified: September 22, 2026
Compare the Best Money Market Rates Today in Round Rock, Texas & the Surrounding Area
Balance: $5,000,000.00
Balance: $2,500,000.00 - $4,999,999.99
Balance: $7,500,000 and above
Balance: $15,000,000 and Up
Balance: $5,000,000 - $14,999,999.99
Balance: $5,000,000-$7,499,999
Balance: STARTING AT $150,000.00
Balance: $150,000+
Balance: $2,000,000-$4,999,999
Balance: $1,000,000-$1,999,999
Balance: $1,000,000 - $4,999,999.99
Balance: STARTING AT $2,500.00
Balance: STARTING AT $75,000.00
Balance: $2,500 - $10,000
Balance: $75,000 - $149,999.99
Balance: $500,000-$999,999
Balance: $1,000,000 & higher
Balance: $250,000 - and over
Balance: $100,000-$499,999
Balance: $25,000-$99,999
Balance: STARTING AT $2,500.00
Balance: $2,500 - $24,999.99
Balance: $1,000,000.00-$2,499,999.99
Balance: $5,000-$24,999
Balance: $2,500-$4,999
Balance: $150,000.00 to $999,999.99
Balance: $100,000 - $249,999
Balance: $50,000 - $99,999
Balance: $250,000 - $999,999.99
Balance: $100,000 - $249,999.99
Balance: $250,000.00
Balance: $250,000.00
Balance: $250,000.00 - $2,499,999.99
Balance: $25,000 - $49,999
Balance: $10,000 - $24,999
Balance: $75,000.00 to $149,999.99
Balance: $100,000.00 - $249,999.99
Balance: $100,000.00 - $249,999.99
Balance: $100,000.00 - $249,999.99
Balance: $25,000 - $99,999.99
Balance: $1,000.00 - $99,999.99
Balance: $1,000.00 - $99,999.99
Balance: $1,000.00 - $99,999.99
Balance: $100,000 - $249,999.99
Balance: $90,000.00 to $199,999.99; Dividend Calculation Method: Daily; When Dividends Are Paid: Monthly
Balance: $25,000.00 to $74,999.99
Balance: $25,000 - $49,999.99
Balance: $50,000.00 to $89,999.99; Dividend Calculation Method: Daily; When Dividends Are Paid: Monthly
Balance: Less than $24,999.99
Balance: $100,000.00-$149,999.99
Balance: $25,000.00 and over
Balance: $10,000.00 - $24,999.99
Balance: $5,000.00 - $9,999.99
Balance to Earn Dividends: $100,000 and above
Balance: $2,500.00 - $4,999.99
Balance: $2,500 - $24,999.99
Balance: $2,000.00 to $49,999.99; Dividend Calculation Method: Daily; When Dividends Are Paid: Monthly
APY is subject to change based on balance tier. Dividends calculated by applying the highest rate based on the balance tier to the entire account balance. No checks for the Tiered Money Market. No Fiduciary, Guardianship, Association, or Business accounts allowed to open a Tiered Money Market.
Balance: $0.00 - $2,499.99
Balance to Earn Dividends: $25,000-$99,999
Balance: $0.00-$49,999.99
Balance: $0.01 - $24,999.99
Balance: $25,000.00 and over
Balance: $10,000.00 - $24,999.99
Balance: $5,000.00 - $9,999.99
Balance to Earn Dividends: $10,000-$24,999
Balance: Over $1,500
Balance: $1,000.00 - $4,999.99
Balance: $0 - $9,999
Balance to Earn Dividends: $2,500-$9,999
Balance: $0 to $10,000; Bonus Dividend applies only to the first $10,000 in Money Market account deposits for accounts with at least 10 qualifying transactions monthly in the same Member's checking account. Rate is variable and subject to change after account is opened. Fees could reduce earnings on account.
Balance: $0 to $10,000 w/ Bonus Dividend; Bonus Dividend applies only to the first $10,000 in Money Market account deposits for accounts with at least 10 qualifying transactions monthly in the same Member's checking account.
Balance: Less than $1,500
Balance: $100,000.00 - $999,999.99
Balance: $0.00 - $999.99
Balance: $10,000.00 - $99,999.99
Balance: $1,000.00 - $9,999.99
Balance: $0 to $10,000; Rate is variable and subject to change after account is opened. Fees could reduce earnings on account.
Balance: $0 to $10,000
WSJP 6.75 % - Current WSJP effective as of December 10, 2025. Variable dividend rate is adjusted on the first day of each month following a change in the index.
Qualifications Required: Average daily balance of $10,000 or more in the Money Market Plus account during the calendar month; maintain any personal or business checking account under the same member number; Balance: $1,000,000 +; Rates displayed include a 0.25% APY Relationship Bonus. To earn the Money Market Plus Relationship Bonus Rate, you must maintain any personal or business checking account and an average daily balance (ADB) of $10,000 or more in the Money Market Plus account during the calendar month. Both the checking account and the Money Market Plus account must be under the same member number. The monthly qualification cycle is defined as the period beginning on the first calendar day of the month and ending on the last calendar day of the month. Fees may reduce earnings on the account. Certain conditions and restrictions may apply. Rates are subject to change without notice. Please refer to the Membership Agreement and Disclosures for terms and conditions applicable to specific accounts.
Balance: $3,000,000.00 and above
Promo
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. $100,000 minimum required to earn stated rate for money market account. Fees could reduce the earnings on the account. A monthly service charge of $20 will be assessed if account does not maintain an average daily balance of $25,000.
Balance: $100,000 and up
Qualifications Required: Average daily balance of $10,000 or more in the Money Market Plus account during the calendar month; maintain any personal or business checking account under the same member number; Balance: $500,000 - $999,999; Rates displayed include a 0.25% APY Relationship Bonus. To earn the Money Market Plus Relationship Bonus Rate, you must maintain any personal or business checking account and an average daily balance (ADB) of $10,000 or more in the Money Market Plus account during the calendar month. Both the checking account and the Money Market Plus account must be under the same member number. The monthly qualification cycle is defined as the period beginning on the first calendar day of the month and ending on the last calendar day of the month. Fees may reduce earnings on the account. Certain conditions and restrictions may apply. Rates are subject to change without notice. Please refer to the Membership Agreement and Disclosures for terms and conditions applicable to specific accounts.
Balance: $13,000,000.01 - & Over*
On balance above $350,000
Balance: $350,000 or more
Balance: $250,000-$499,999
Balance: $4,500,000.01 - & 13,000,000.00*
This is a variable rate account; balances from $100 and over receive 3.50% APY. Must open an account by 10/09/2026, to get the promotional rate. Stated offer is valid only for Domestic Personal Account customers.
Guaranteed for 6 months ON ALL BALANCES. For Consumer Accounts Only. After the promotional period, the account will automatically convert to the Bank's standard Money Market account and earn the then-current variable APY in effect for that account. Fees may reduce earnings. Additional terms and conditions apply. This promotional Money Market Account is available to new clients who have never held an account with BankUnited, N.A., or to existing clients who deposit new funds not currently on deposit with us. New funds are funds not currently on deposit with BankUnited and not transferred from another BankUnited account.
Balance: $100,000 - $249,999.99
Balance: $250,000 and up
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.
Round Rock, TX Money Market Rate Trends
Compare local Round Rock, 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 0.023 points over the past 7 days to 3.060% APY.
Texas standard MMA rates fell 0.021 points over the past 7 days to 0.732% APY.
Round Rock, 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 2026–2027.
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 3.060% 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 60–90 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 Round Rock, Texas.
Money Market Account Earnings in Round Rock, 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 (3.060% APY) | Monthly Earnings | Standard MMA (0.732% APY) | Monthly Earnings |
|---|---|---|---|---|
| $10,000 | $306.00 / year | $25.50 | $73.15 / year | $6.10 |
| $25,000 | $765.00 / year | $63.75 | $182.88 / year | $15.24 |
| $50,000 | $1,530.00 / year | $127.50 | $365.75 / year | $30.48 |
| $100,000 | $3,060.00 / year | $255.00 | $731.50 / year | $60.96 |
| 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: Round Rock, Texas money market rate averages as of September 22, 2026. | ||||
About Our Round Rock, Texas Money Market Rate Database
MonitorBankRates found 13 institutions with branches in Round Rock (6 banks, 7 credit unions), plus 44 additional state-chartered and national online institutions available to Round Rock 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 (1–5), 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: SouthStar Bank offers a money market account at 3.60% APY. Use the rate table above to compare all current offers in Round Rock, Texas.
How to Find the Best Money Market Rates in Round Rock, Texas
What to compare when shopping for a money market account in Round Rock, Texas
To find the best money market APYs in Round Rock, Texas, start with credit unions and online-only banks: Round Rock, Texas has 27 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–$25,000, with lower rates (or monthly fees) below that threshold. The current TX high-yield money market average is 3.060% but top local institutions are offering as high as 3.60%, 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. Round Rock, Texas high-yield money market rates currently average 3.060% 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 Round Rock, Texas institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 57 institutions in Round Rock, 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 → Round Rock, Texas CD rates
- You don’t need check writing and want a lower minimum → Round Rock, Texas savings rates
- You need daily transaction access → Round Rock, Texas checking rates
Round Rock, Texas Financial Snapshot
Local demographics and economic context for savers . Source: U.S. Census Bureau
11.2% of residents are 65 or older, below the national average of 17.3%. At today’s TX high-yield money market average of 3.060%, saving 10% of the local median salary ($5,134/year) would earn an additional $157 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Money Market Accounts vs. Other Round Rock, Texas Options
How money market deposit accounts compare to other deposit products available at banks and credit unions in Round Rock, Texas.
| Feature | Money Market | High-Yield Savings | Standard Savings | CD (12-Month) |
|---|---|---|---|---|
| Current TX Avg APY | 3.060% | View Savings Rates | 0.732%(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 – $2,500 | $0 – $100 | $25 – $100 | $500 – $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 Round Rock, Texas averages tracked in our database as of September 22, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Round Rock, 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 Round Rock, 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 Round Rock, Texas
At TX’s top money market rate of 3.60% from SouthStar Bank, a $10,000 deposit earns $360 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Round Rock, Texas earner is roughly $12,800. At 3.060% APY in a money market account, saving $1,070/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 3.060% 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 Round Rock, Texas earner makes $51,347/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 3.060% APY.
Retirement PlannerA $25,000 money market balance earning 3.060% APY grows to roughly $45,682 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 Round Rock, 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 Round Rock, 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 Round Rock, 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 Round Rock, Texas
What is a Money Market Account (MMA)?
Are Money Market accounts in Round Rock, Texas safe?
How often do MMA rates change in Round Rock, Texas?
Can I write checks from a Money Market Account?
How much do I need to deposit to open a money market account in Round Rock, 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 Round Rock, Texas for money market accounts?
Best Money Market Rates in Round Rock, Texas
- SouthStar Bank
TEXAS SIZE MONEY MARKET: 3.60% APY - PlainsCapital Bank
Personal Money Market: 3.07% APY - VeraBank
Money Market Accounts: 3.04% APY - Randolph Brooks FCU
Classic Money Market: 2.43% APY - Austin Capital Bank
Money Market: 2.02% APY
Round Rock, Texas Rates & Resources
