Baytown, Texas Savings Rates - September 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best savings rates for Baytown, Texas and the surrounding area include Bayer Heritage Federal Credit UnionBayer Heritage Federal Credit Union8500 W Bay Rd # 32, Baytown, TX 77523 8727A5.0 ★Texas Ratio: 7.13%Real return: +7.20%APY minus 2.8% CPI (February 2026) High Yield Savings at 10.00% APY, Gulf Coast Educators Federal Credit UnionGulf Coast Educators Federal Credit Union6360 Garth Rd Ste 140, Baytown, TX 77521 5105A+5.0 ★Texas Ratio: 2.47%Real return: +0.22%APY minus 2.8% CPI (February 2026) Dollar Up Savings at 3.02% APY, Anahuac National BankAnahuac National Bank13401 Interstate 10 E, Baytown, TX 77523D1.9 ★Texas Ratio: 2.97%Real return: -1.80%APY minus 2.8% CPI (February 2026) Kasasa Saver Savings at 1.00% APY, Texas Dow Employees Credit UnionTexas Dow Employees Credit Union6011 Garth Rd, Baytown, TX 77521A5.0 ★Texas Ratio: 12.04%Real return: -1.80%APY minus 2.8% CPI (February 2026) High-Yield Savings at 1.00% APY, and Community Resource Credit UnionCommunity Resource Credit Union2900 Decker Dr, Baytown, TX 77520 2076A+5.0 ★Texas Ratio: 4.13%Real return: -2.05%APY minus 2.8% CPI (February 2026) Coverdell IRA Savings at 0.75% APY.
Baytown has 40 local institutions in our database, with savings rates as high as 10.00% APY from Bayer Heritage Federal Credit Union at 8500 W Bay Rd # 32, Baytown, TX 77523 8727. 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.
Savings rates reflect recent market quotes and representative offers available to depositors in Baytown, Texas and the surrounding area. Last Updated and Verified: September 22, 2026
Compare the Best Savings Rates in Baytown, Texas & Surrounding Communities
Balance: Up to $1000.00
Earn up to 10% APY* on the first $1000 in our new High Yield Savings account! See all the details.
Balance: $0 - $25,000
Balance: $0 - $50,000
Highest APY includes 1.00% on HYC balances <=$20,000; 0.25% on HYC balances >$20,000; 1.00% APY on primary savings balances <=$50,000; 0.25% APY on primary savings balances >$50,000. If requirements are not met, accounts will earn an APY of 0.02% on HYC balances and 0.10% on primary savings balances. Account-holders will receive a maximum rebate of $30 per month on non-TDECU ATM fees. Other terms/conditions apply. Contact TDECU for complete details. Subject to account and penalty fees. See Fee Schedule .
Up to 0.99% Interest Rate Paid Monthly
Balance: $250,000 & over; Minimum Balance Required: $100
Balance: $250,000 & over; Minimum Balance Required: $100
Balance: $100,000 - $249,999.99; Minimum Balance Required: $100
Balance: $100,000 - $249,999.99; Minimum Balance Required: $100
Balance: $50,000 - $99,999.99; Minimum Balance Required: $100
Balance: $50,000 - $99,999.99; Minimum Balance Required: $100
Balance: $0 - $49,999.99; Minimum Balance Required: $100
Balance: $0 - $49,999.99; Minimum Balance Required: $100
Balance: $15,000 and over
Balance: $50,000.01 and up
Highest APY includes 1.00% on HYC balances <=$20,000; 0.25% on HYC balances >$20,000; 1.00% APY on primary savings balances <=$50,000; 0.25% APY on primary savings balances >$50,000. If requirements are not met, accounts will earn an APY of 0.02% on HYC balances and 0.10% on primary savings balances. Account-holders will receive a maximum rebate of $30 per month on non-TDECU ATM fees. Other terms/conditions apply. Contact TDECU for complete details. Subject to account and penalty fees. See Fee Schedule .
Balance: $0-14,999.99
Requires a TDECU Mortgage Loan.
Requirements not met
for teens ages 13 to 17
Minimum: $100 average daily to obtain disclosed APY; No minimum to open with an open share product
When linked to Premier Checking. Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
Balance: $0 or more
When linked to Prime Checking. Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
Balance: $0 or more
Balance: .01- 50,000.00
Balance: .01- 50,000.00
Rates are accurate as of 09.18.26 . This is a tiered-rate account. Balances under $5,000 earn 5.00% APY; balances $5,000 and above earn 0.50% APY. Rates may change after the account is opened. No minimum to open. Fees may reduce earnings. Contact an Extraco Banks representative for additional information about applicable fees and terms.
Portion of the Balances over $5,000.00 receive a rate of .15% resulting in an APY range of 4.06% to 1.13% depending on the balance. Limit One Bling! Savings account per minor.
Balance: $500,000 and above
Balance: $500,000.01 to $2,000,000.00
Balance: $0.01 - $1,000,000; Only available in Texas
SUTXX
Balance: $200,000.00
SCOXX
SGUXX
Balance: $1,000,000+
SNSXX
Balance: $1,000,000.00 +
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.
Baytown, TX Savings Rate Trends
Compare local Baytown, TX savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Texas high-yield savings rates rose 0.091 points over the past 7 days to 1.973% APY, up from 1.882%.
Texas standard savings rates fell 0.005 points over the past 7 days to 0.805% APY, down from 0.810%.
Baytown, Texas Savings Rate Forecast, Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current TX high-yield average and a Fed funds spread to project the likely rate trajectory for 2026–2027.
Savings 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 savings average of 1.973% 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 online savings rates tend to adjust faster than standard branch-based savings rates.
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 Baytown, Texas.
Savings Account Earnings in Baytown, Texas
Annual interest earnings at current TX average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (1.973% APY) | Monthly Earnings | Standard Savings (0.805% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $98.64 / year | $8.22 | $40.27 / year | $3.36 |
| $10,000 | $197.28 / year | $16.44 | $80.54 / year | $6.71 |
| $25,000 | $493.20 / year | $41.10 | $201.35 / year | $16.78 |
| $50,000 | $986.40 / year | $82.20 | $402.70 / year | $33.56 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: Baytown, Texas savings rate averages as of September 23, 2026. | ||||
About Our Baytown, Texas Savings Rate Database
MonitorBankRates found 9 institutions with branches in Baytown (4 banks, 5 credit unions), plus 13 additional state-chartered and national online institutions available to Baytown 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: Bayer Heritage Federal Credit Union offers a savings account at 10.00% APY. Use the rate table above to compare all current offers in Baytown, Texas.
How to Find the Best Savings Rates in Baytown, Texas
What to compare when shopping for a savings account in Baytown, Texas
To find the best savings APYs in Baytown, Texas, start with credit unions and online-only banks: Baytown, Texas has 5 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. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current TX high-yield savings average is 1.973% but top local institutions are offering as high as 10.00%, so shopping around pays off.
Unlike a CD, savings account rates are variable. Your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3–6 months of expenses in a liquid, FDIC-insured account. Baytown, Texas high-yield savings rates currently average 1.973% APY, far above a typical checking account.
- Short-term savings goals (6–24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account at Baytown, Texas institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 22 institutions in Baytown, Texas report savings 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 → Baytown, Texas CD rates
- You want check-writing flexibility → Baytown, Texas money market rates
- You need daily transaction access → Baytown, Texas checking rates
Baytown, Texas Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
11.7% of residents are 65 or older, below the national average of 17.3%; an unemployment rate of 10.2% (vs. 4.8% nationally) underscores the value of keeping liquid emergency savings. At today’s TX high-yield savings average of 1.973%, saving 10% of the local median salary ($3,842/year) would earn an additional $76 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Baytown, Texas Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Baytown, Texas.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current TX Avg APY | 1.973% | 0.805% | View MMA Rates | 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 | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 – $100 | $25 – $100 | $0 – $2,500 | $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 | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects Baytown, Texas averages tracked in our database as of September 23, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for Baytown, Texas
At TX’s top rate of 10.00% from Bayer Heritage Federal Credit Union, a $10,000 deposit earns $1,000 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Baytown, Texas earner is roughly $9,600. At 1.973% APY, saving $800/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsTexas’s high-yield savings average is 1.973% APY, variable and always accessible. 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 Baytown, Texas earner makes $38,423/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 1.973% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 1.973% APY grows to roughly $36,951 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 Baytown, Texas savings 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 Savings Rate Data: We aggregate savings account rates for Baytown, 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 Baytown, 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 Baytown, Texas
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Baytown, Texas safe?
How often do savings rates change in Baytown, Texas?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in Baytown, Texas?
How do I open a savings account in Baytown, Texas?
Best Savings Rates in Baytown, Texas
- Bayer Heritage Federal Credit Union
High Yield Savings: 10.00% APY - Gulf Coast Educators Federal Credit Union
Dollar Up Savings: 3.02% APY - Anahuac National Bank
Kasasa Saver Savings: 1.00% APY - Texas Dow Employees Credit Union
High-Yield Savings: 1.00% APY - Community Resource Credit Union
Coverdell IRA Savings: 0.75% APY
Baytown, Texas Rates & Resources
