Best Money Market Rates in Waco, Texas (TX) - May 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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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 Waco, Texas and the surrounding area money market deposit account rates include Sunflower BankSunflower Bank1300 N Valley Mills Dr, Waco, TX 76710A+5.0 ★Texas Ratio: 5.67% Thrive Money Market at 3.45% APY, Texell Credit UnionTexell Credit Union1221 Hewitt Dr, Waco, TX 76712 8896A+5.0 ★Texas Ratio: 3.58% Money Market at 3.25% APY, Members Choice of Central Texas Federal Credit UnionMembers Choice of Central Texas Federal Credit Union4631 W Waco Dr, Waco, TX 76710A+5.0 ★Texas Ratio: 0.18% Money Market Checking at 2.22% APY, Genco Federal Credit UnionGenco Federal Credit Union731 N Valley Mills Dr, Waco, TX 76710 4848A+5.0 ★Texas Ratio: 0.77% Money Market Account at 1.55% APY, and Independent Bank Mckinney, TXIndependent Bank Mckinney, TX8004 Woodway Dr, Waco, TX 76712A+5.0 ★Texas Ratio: 2.30% Business Money Markets at 0.50% APY. Money market rates as of May 12, 2026 according to verified data from MonitorBankRates.
Waco has 5 local institutions in our database, with money market rates as high as 3.45% APY from Sunflower Bank at 1300 N Valley Mills Dr, Waco, TX 76710. 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 Waco, Texas and surrounding area. Last Updated and Verified: May 12, 2026
Compare the Best Money Market Rates Today in Waco, Texas & the Surrounding Area
Source: Verified Money Market Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Sunflower Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
1300 N Valley Mills Dr, Waco, TX 76710
Thrive Money Market
3.45%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
$24,999.01 & Above
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
1221 Hewitt Dr, Waco, TX 76712 8896
Money Market
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Sunflower Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
1300 N Valley Mills Dr, Waco, TX 76710
Thrive Money Market
3.05%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
$24,999.00 & Below
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
1221 Hewitt Dr, Waco, TX 76712 8896
Money Market
2.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
1221 Hewitt Dr, Waco, TX 76712 8896
Money Market
2.30%
$2,500
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 12, 2026
Details
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
4631 W Waco Dr, Waco, TX 76710
Money Market Checking
2.22%
$0
▼
Rate2.20%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
1221 Hewitt Dr, Waco, TX 76712 8896
Money Market
1.95%
$2,500
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 12, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
731 N Valley Mills Dr, Waco, TX 76710 4848
Money Market Account
1.55%
$0
▼
Rate1.54%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
$100,000+
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
4631 W Waco Dr, Waco, TX 76710
Money Market Checking
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
731 N Valley Mills Dr, Waco, TX 76710 4848
Money Market Account
1.40%
$0
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
$50,000 to $99,999.99
Genco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
731 N Valley Mills Dr, Waco, TX 76710 4848
Money Market Account
1.30%
$0
▼
Rate1.29%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
$20,000 to $49,999.99
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
1221 Hewitt Dr, Waco, TX 76712 8896
Money Market
1.30%
$2,500
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 12, 2026
Details
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
1221 Hewitt Dr, Waco, TX 76712 8896
Money Market
1.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
731 N Valley Mills Dr, Waco, TX 76710 4848
Money Market Account
1.20%
$0
▼
Rate1.19%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
$5,000 to $19,999.99
Texell Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
1221 Hewitt Dr, Waco, TX 76712 8896
Money Market
1.15%
$2,500
▼
Rate—
Min Deposit$2,500
Min Balance—
UpdatedMay 12, 2026
Details
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
4631 W Waco Dr, Waco, TX 76710
Money Market Checking
1.11%
$0
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
731 N Valley Mills Dr, Waco, TX 76710 4848
Money Market Account
1.10%
$0
▼
Rate1.09%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
$2,500 to $4,999.99
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
4631 W Waco Dr, Waco, TX 76710
Money Market Checking
0.90%
$0
▼
Rate0.90%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
4631 W Waco Dr, Waco, TX 76710
Money Market Checking
0.70%
$0
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
4631 W Waco Dr, Waco, TX 76710
Money Market Checking
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Independent Bank Mckinney, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
8004 Woodway Dr, Waco, TX 76712
Business Money Markets
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Genco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
731 N Valley Mills Dr, Waco, TX 76710 4848
Money Market Account
0.40%
$2,500
▼
Rate0.40%
Min Deposit$2,500
Min Balance—
UpdatedMay 6, 2026
Details
$100 to $2,499.99
Independent Bank Mckinney, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
8004 Woodway Dr, Waco, TX 76712
Business Money Markets
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Independent Bank Mckinney, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
8004 Woodway Dr, Waco, TX 76712
Business Money Markets
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Independent Bank Mckinney, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
8004 Woodway Dr, Waco, TX 76712
Business Money Markets
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Members Choice of Central Texas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
4631 W Waco Dr, Waco, TX 76710
Money Market Checking
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Independent Bank Mckinney, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
8004 Woodway Dr, Waco, TX 76712
Business Money Markets
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Independent Bank Mckinney, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
8004 Woodway Dr, Waco, TX 76712
Business Money Markets
0.00%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
High-Yield Money Market
3.82%
$25,000
▼
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%
Huntington Relationship Money Market
3.82%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
State Bank of Texas
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
High-Rate Jumbo Money Market
3.76%
$100,000
▼
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%
Rocket 88 Money Market Accounts (Personal & Business)
3.75%
$0
▼
Rate3.69%
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
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Community Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
High Yield Savings (Money Market)
3.60%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Essential Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.36%
Money Market Accounts
3.60%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
On balance above $350,000
Lone Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Personal Money Market
3.56%
$250
▼
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
▼
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
▼
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
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Texans Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
Money Market Account
3.50%
$500
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 10, 2026
Details
Qualifying balance up to $1,000,000
Las Colinas Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.67%
Money Market Account
3.50%
$500
▼
Rate—
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
Money Market Max
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Money Market Special Intro rate
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$15,000+
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Money Market Special
3.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
Money Market (IRA)
3.50%
$0
▼
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
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
New money only
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.18%
Money Market Account
3.45%
$0
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Truist
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
Small Business Money Market Account
3.40%
$0
▼
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)
3.40%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
Money Market Max
3.40%
$0
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Golden Bank National Association
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
money market account
3.38%
$20,000
▼
Rate—
Min Deposit$20,000
Min Balance—
UpdatedApr 16, 2026
Details
new money
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
Commercial Money Market
3.35%
$0
▼
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
▼
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 Tier 3
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
American State Bank (TX)
Institution Rating:
A-4.9 ★ Texas Ratio: 16.23%
Pinnacle Money Market Account
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
American State Bank (TX)
Institution Rating:
A-4.9 ★ Texas Ratio: 16.23%
Pinnacle Money Market Account Tier 4
3.25%
$0
▼
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
▼
Rate3.20%
Min Deposit$2,500
Min Balance—
UpdatedMay 5, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Money Market Plus Account
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Community Service Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
High Yield Savings (Money Market)
3.25%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$1,000,000-Above
NexBank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.79%
High-Yield Money Market Account
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.35%
Money Market Savings
3.20%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
On balances of $25,000+
PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
Money Market Max
3.20%
$0
▼
Rate3.15%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
Huntington Relationship Money Market
3.20%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
The Huntington National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.60%
High-Yield Money Market
3.20%
$25,000
▼
Rate—
Min Deposit$25,000
Min Balance—
UpdatedMay 4, 2026
Details
Minimum of **$25,000** not currently deposited at Huntington.
Red River Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.10%
Commercial Money Market
3.15%
$0
▼
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%
Advantage Money Market
3.15%
$0
▼
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
▼
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
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
$750,000.00-$999,999.99
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
Business Advantage Money Market Account
3.15%
$0
▼
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
▼
Rate3.09%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
The MINT National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
ManageMINT Emerald MMA
3.10%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
The MINT National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.18%
MonuMINT Emerald MMA
3.10%
$0
▼
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
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
Trinity Bank, N.A.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
Trinity Personal Money Market Account
3.04%
$500
▼
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
▼
Rate3.00%
Min Deposit$500
Min Balance—
UpdatedMay 5, 2026
Details
Planters Bank & Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 3.98%
High Yield Money Market
2.95%
$0
▼
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
▼
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 Commercial Money Market Account
2.84%
$500
▼
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 Personal Money Market Account
2.84%
$500
▼
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†11 Months
2.83%
$1,000
▼
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†12 Months
2.83%
$1,000
▼
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†13 Months
2.83%
$1,000
▼
Rate2.79%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
First Liberty Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
Platinum Money Market
2.80%
$0
▼
Rate2.76%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate2.72%
Min Deposit$100,000
Min Balance—
UpdatedMay 12, 2026
Details
First Liberty Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
Platinum Money Market
2.60%
$0
▼
Rate2.57%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Lone Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Personal Money Market†9 Months
2.59%
$1,000
▼
Rate2.56%
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†90-179 Days
2.59%
$1,000
▼
Rate2.56%
Min Deposit$1,000
Min Balance—
UpdatedMay 5, 2026
Details
Rate2.47%
Min Deposit$50,000
Min Balance—
UpdatedMay 12, 2026
Details
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Plus Money Market Account
2.50%
$0
▼
Rate—
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
As Low As
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
FB-Org Money Market Account [MMA]
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
No Minimum Initial Deposit
Farm Bureau Bank FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Business Money Market
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Rate2.23%
Min Deposit$1,000
Min Balance—
UpdatedMay 12, 2026
Details
NexBank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.79%
High-Yield Money Market Account
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details
First Liberty Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
Platinum Money Market
2.20%
$0
▼
Rate2.18%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
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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 Waco, 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.
Waco, TX Money Market Rate Trends
Compare local Waco, 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.
High-Yield MMA — TX Avg
3.319%
▲ 0.003 vs 7 days ago
Texas high-yield MMA rates rose 0.003 points over the past 7 days to 3.319% APY.
Standard MMA — TX Avg
0.750%
▲ 0.002 vs 7 days ago
Texas standard MMA rates rose 0.002 points over the past 7 days to 0.750% APY.
As of May 13, 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 Waco, 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 Waco, 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 Waco, 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 Waco, 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 Waco, 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 Waco, 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 Waco, 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 Waco, Texas
Here are some of the highest money market account APYs currently available in Waco, Texas and the surrounding area:
- Sunflower Bank
Thrive Money Market — 3.45% APY - Texell Credit Union
Money Market — 3.25% APY - Members Choice of Central Texas Federal Credit Union
Money Market Checking — 2.22% APY - Genco Federal Credit Union
Money Market Account — 1.55% APY - Independent Bank Mckinney, TX
Business Money Markets — 0.50% APY
Money Market Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Waco, 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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