Austin, Texas (TX) Savings Rates - March 2026
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The savings 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.
The best savings rates for Austin, Texas and the surrounding area include Texas DPS Credit UnionTexas DPS Credit Union621 W Saint Johns Ave, Austin, TX 78752 2315A+5.0 ★Texas Ratio: 3.51% Easy Save Savings at 5.00% APY, Keystone BankKeystone Bank11500 Bee Caves Rd Ste 150, Austin, TX 78738A+5.0 ★Texas Ratio: 1.88% Keystone Rewards Savings* at 4.00% APY, Amplify Credit UnionAmplify Credit Union2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772A+5.0 ★Texas Ratio: 2.63% Business High-Yield Savings Account at 4.00% APY, Nizari Progressive Federal Credit UnionNizari Progressive Federal Credit Union12730 Research Blvd, Austin, TX 78759A+5.0 ★Texas Ratio: 2.18% Youth Savings Account at 3.66% APY, and Texas Capital BankTexas Capital Bank98 San Jacinto Blvd, Austin, TX 78701A+5.0 ★Texas Ratio: 2.17% Star High Yield Savings Account at 3.65% APY. Savings rates as of March 25, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Austin, Texas, and the surrounding area, compare, use our comprehensive tables below for side-by-side comparisons to find the best savings rates available. Rates in Austin, Texas (TX) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Austin, Texas and the surrounding area. Last Updated and Verified: March 25, 2026
Compare the Best Savings Rates in Austin, Texas & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Texas DPS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
621 W Saint Johns Ave, Austin, TX 78752 2315
Easy Save Savings
5.00%
$0
▼
Rate4.91%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Qualifying balance up to $500.00
Keystone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
11500 Bee Caves Rd Ste 150, Austin, TX 78738
Keystone Rewards Savings*
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
Business High-Yield Savings Account
4.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Keystone Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.88%
11500 Bee Caves Rd Ste 150, Austin, TX 78738
Keystone Rewards Savings
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifying balance up to $100,000.00
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX 78759
Youth Savings Account
3.66%
$0
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
98 San Jacinto Blvd, Austin, TX 78701
Star High Yield Savings Account
3.65%
$0
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Only available in Texas
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
8929 Shoal Creek Blvd, Austin, TX 78757
Share Account
3.65%
$0
▼
Rate3.65%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
98 San Jacinto Blvd, Austin, TX 78701
Star Elite Savings
3.65%
$0
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
98 San Jacinto Blvd, Austin, TX 78701
Star High-Yield Savings Account
3.65%
$0
▼
Rate3.58%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Only available in Texas
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX 78759
Nizari Diamond Savings
3.61%
$0
▼
Rate3.55%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX 78759
Nizari Diamond Savings
3.56%
$0
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX 78759
Nizari Diamond Savings
3.51%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX 78759
Nizari Diamond Savings
3.45%
$0
▼
Rate3.40%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Woori America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
14028 N Highway 183, Austin, TX 78717
WooriWON Savings
3.25%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 22, 2026
Details
Online Only
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
7321 N Fm 620 Rd, Austin, TX 78726
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
2301 E Riverside Dr, Austin, TX 78741
360 Performance Savings
3.20%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Amarillo National Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.79%
5300 Bee Caves Rd Bldg 2, Austin, TX 78746
Savings
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX 78759
Nizari Savings Plus
2.99%
$0
▼
Rate2.95%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Woori America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
14028 N Highway 183, Austin, TX 78717
WooriWON Savings
2.95%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 22, 2026
Details
Online Only
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX 78759
Nizari Savings Plus
2.89%
$0
▼
Rate2.85%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
7800 Shoal Creek Boulevard, Austin, TX 78757
Freestyle Savings Account
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
7800 Shoal Creek Boulevard, Austin, TX 78757
Freestyle Savings Account
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Hancock Whitney Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.59%
7800 Shoal Creek Boulevard, Austin, TX 78757
Freestyle Savings Account
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
98 San Jacinto Blvd, Austin, TX 78701
Star Savings Account
2.12%
$0
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Available in all states.
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
98 San Jacinto Blvd, Austin, TX 78701
Shooting Star Savings
2.12%
$0
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
98 San Jacinto Blvd, Austin, TX 78701
Star High Yield Savings Account
2.12%
$0
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Only available in Texas
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
98 San Jacinto Blvd, Austin, TX 78701
Star High-Yield Savings Account
2.12%
$0
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Only available in Texas
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
98 San Jacinto Blvd, Austin, TX 78701
Star Savings
2.12%
$0
▼
Rate2.10%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX 78758
Business Savings
2.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Texas DPS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
621 W Saint Johns Ave, Austin, TX 78752 2315
Youth Membership Savings
2.00%
$0
▼
Rate1.99%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Qualifying balance up to $500.00
Amarillo National Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.79%
5300 Bee Caves Rd Bldg 2, Austin, TX 78746
Savings
1.90%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 E Anderson Ln, Austin, TX 78752
Savings Money Market
1.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 E Anderson Ln, Austin, TX 78752
Savings Money Market
1.40%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX 78759
Nizari Savings Plus
1.36%
$0
▼
Rate1.35%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Amarillo National Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.79%
5300 Bee Caves Rd Bldg 2, Austin, TX 78746
Savings
1.35%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX 78759
Nizari Savings Plus
1.31%
$0
▼
Rate1.30%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX 78759
Nizari Savings Plus
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX 78758
Business Savings
1.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Amarillo National Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.79%
5300 Bee Caves Rd Bldg 2, Austin, TX 78746
Savings
1.20%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX 78758
Business Savings
1.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 E Anderson Ln, Austin, TX 78752
Savings Money Market
1.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX 78758
Business Savings
1.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Austin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
1900 Woodward St, Austin, TX 78741
All-Star Youth Shares
1.01%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX 78759
Youth Savings Account
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
SouthStar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
10901 W Highway 290, Austin, TX 78736
Shooting Star Savings
1.00%
$25
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 24, 2026
Details
Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
98 San Jacinto Blvd, Austin, TX 78701
Edge Business Savings
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 E Anderson Ln, Austin, TX 78752
Savings Money Market
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
TruWest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
13609 N Interstate 35 Bldg 4, Austin, TX 78753 1332
IRA Savings
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Texas DPS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
621 W Saint Johns Ave, Austin, TX 78752 2315
Enhanced Savings with Member Rewards
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 E Anderson Ln, Austin, TX 78752
Savings Money Market
0.90%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX 78759
Nizari College Savings
0.80%
$0
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
12730 Research Blvd, Austin, TX 78759
Nizari College Savings
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Capitol Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.34%
11920 Alterra Pkwy, Austin, TX 78758
IRA Savings Account
0.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
111 E Anderson Ln, Austin, TX 78752
Savings Money Market
0.70%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
705 E 12th St, Austin, TX 78701 1909
Traditional IRA Savings
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Randolph Brooks FCU
Institution Rating:
A+5.0 ★
205 W Ben White Blvd, Austin, TX 78704 7154
IRA Savings
0.50%
$1
▼
Rate0.50%
Min Deposit$1
Min Balance—
UpdatedMar 21, 2026
Details
Austin Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
1900 Woodward St, Austin, TX 78741
Step-Up Savings
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
705 E 12th St, Austin, TX 78701 1909
Roth IRA Savings
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
705 E 12th St, Austin, TX 78701 1909
Roth IRA Savings
0.45%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
911 W 38th St, Austin, TX 78705
Savings Account
0.25%
$25
▼
Rate0.25%
Min Deposit$25
Min Balance—
UpdatedMar 25, 2026
Details
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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.
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.
Austin, TX Savings Rate Trends
Compare local Austin, TX savings rate quotes against the statewide average
Weekly savings rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield Savings — TX Avg
0.772%
▼ 2.148 from last week
Texas high-yield savings rates fell 2.148 points this week to 0.772% APY, down from 2.920% last week.
Standard Savings — TX Avg
0.548%
▼ 0.200 from last week
Texas standard savings rates fell 0.200 points this week to 0.548% APY, down from 0.748% last week.
As of Mar 26, 2026 •
Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for Austin, 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 savings 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 Austin, Texas. We feature a comprehensive mix of institutions — from neighborhood credit unions and competitive regional banks to large national institutions available to savers in TX.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update savings rates daily. Because savings account yields can fluctuate rapidly, every product listed features its own specific “last updated” date, giving you complete transparency.
Frequently Asked Questions about Savings Accounts in Austin, Texas
What is a High-Yield Savings Account (HYSA)?
A High-Yield Savings Account (HYSA) typically pays significantly higher interest than standard accounts at national brick-and-mortar banks. These accounts, often found at online banks or local credit unions in Texas, help your money grow faster through a higher APY.
Are savings accounts in Austin, 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 savings rates change in Austin, Texas?
Savings 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.
Do I need a minimum deposit to open a savings account?
It depends on the bank. Many online high-yield savings accounts have no minimum deposit requirement, while some traditional banks in Austin, Texas may require $25–$100 to open an account.
What is the difference between a Savings Account and a Money Market Account?
Both pay interest and are federally insured. Money Market Accounts (MMAs) often come with check-writing privileges or a debit card, making them more flexible, whereas standard savings accounts typically do not.
Are online banks better than local banks in Austin, Texas?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Austin, Texas offer in-person customer service, which some customers prefer.
How do I open a savings account in Austin, Texas?
You can open a savings account online or in-person. You will generally need a government-issued ID, your Social Security number, and an initial deposit to get started.
Best Savings Rates in Austin, Texas
Here are recent savings rates observed in Austin, Texas and the surrounding area:
- Texas DPS Credit Union
Easy Save Savings — 5.00% APY - Keystone Bank
Keystone Rewards Savings* — 4.00% APY - Amplify Credit Union
Business High-Yield Savings Account — 4.00% APY - Nizari Progressive Federal Credit Union
Youth Savings Account — 3.66% APY - Texas Capital Bank
Star High Yield Savings Account — 3.65% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Austin, Texas. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 25, 2026
