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Texas Savings Rate Trends

Cypress, Texas (TX) Savings Rates - March 2026

The best savings rates for Cypress, Texas and the surrounding area include PNC BankPNC Bank14213 Cypress Rosehill Rd, Cypress, TX 77429A5.0 ★Texas Ratio: 6.83% PNC High Yield SavingsĀ® at 3.25% APY, Capital One BankCapital One Bank25907 Hempstead Rd, Cypress, TX 77429A5.0 ★Texas Ratio: 10.41% 360 Performance Savings at 3.20% APY, SHELLSHELL24344 Northwest Fwy, Cypress, TX 77429A+5.0 ★Texas Ratio: 2.74% High Yield eSavings at 3.00% APY, Texas Bay Credit UnionTexas Bay Credit Union9212 Fry Road # 100, Cypress, TX 77433A5.0 ★Texas Ratio: 8.99% Share at 2.27% APY, and Frost BankFrost Bank13201 Fry Rd, Cypress, TX 77433A+5.0 ★Texas Ratio: 2.87% Savings Money Market at 1.50% APY. Savings rates as of March 27, 2026 according to verified data from MonitorBankRates.

To see how these savings rates in Cypress, 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 Cypress, Texas (TX) are continually updated — we recommend checking back frequently.

Savings rates reflect recent market quotes and representative offers available to depositors in Cypress, Texas and the surrounding area. Last Updated and Verified: March 27, 2026

Compare the Best Savings Rates in Cypress, Texas & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
14213 Cypress Rosehill Rd, Cypress, TX 77429
PNC High Yield SavingsĀ®
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%
25907 Hempstead Rd, Cypress, TX 77429
360 Performance Savings
3.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
24344 Northwest Fwy, Cypress, TX 77429
High Yield eSavings
3.00%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 22, 2026
Details

Qualifications Required: Have an open eChecking account; Meet all eChecking account qualifications each month; Qualifying balance up to $10,000.00

Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
9212 Fry Road # 100, Cypress, TX 77433
Share
2.27%
$0
Rate2.25%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

$500,000 and up

SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
24344 Northwest Fwy, Cypress, TX 77429
High Yield eSavings
2.00%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 22, 2026
Details

Qualifications Required: Have an open eChecking account; Meet all eChecking account qualifications each month; Qualifying balance up to $10,000.00

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
13201 Fry Rd, Cypress, TX 77433
Savings Money Market
1.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
13201 Fry Rd, Cypress, TX 77433
Savings Money Market
1.40%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
9212 Fry Road # 100, Cypress, TX 77433
Business Share
1.26%
$700,000
Rate1.25%
Min Deposit$700,000
Min Balance
UpdatedMar 21, 2026
Details

$700,000 and up

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
13201 Fry Rd, Cypress, TX 77433
Savings Money Market
1.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
9212 Fry Road # 100, Cypress, TX 77433
Share
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

$300,000 to $499,999.99

Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
9212 Fry Road # 100, Cypress, TX 77433
Business Share
1.00%
$500,000
Rate1.00%
Min Deposit$500,000
Min Balance
UpdatedMar 21, 2026
Details

$500,000 to $699,999.99

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
13201 Fry Rd, Cypress, TX 77433
Savings Money Market
1.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
13201 Fry Rd, Cypress, TX 77433
Savings Money Market
0.90%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
9212 Fry Road # 100, Cypress, TX 77433
Share
0.75%
$0
Rate0.75%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

$200,000 to $299,999.99

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
13201 Fry Rd, Cypress, TX 77433
Savings Money Market
0.70%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
9212 Fry Road # 100, Cypress, TX 77433
Share
0.45%
$0
Rate0.45%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

$150,000 to $199,999.99

Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
9212 Fry Road # 100, Cypress, TX 77433
Business Share
0.35%
$300,000
Rate0.35%
Min Deposit$300,000
Min Balance
UpdatedMar 21, 2026
Details

$300,000 to $499,999.99

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
24224 Northwest Fwy, Cypress, TX 77429 5683
Savings
0.30%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 23, 2026
Details

Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
9212 Fry Road # 100, Cypress, TX 77433
Share
0.28%
$0
Rate0.28%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

$100,000 to $149,999.99

Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
9212 Fry Road # 100, Cypress, TX 77433
Share
0.12%
$0
Rate0.12%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

$50K to $99,999.99

Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
9212 Fry Road # 100, Cypress, TX 77433
High Yielding Share Drafts (Checking)
0.11%
$0
Rate0.11%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
20510 West Rd Ste 1100, Cypress, TX 77433 7111
Club Savings
0.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
20510 West Rd Ste 1100, Cypress, TX 77433 7111
Share Savings Account
0.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
20510 West Rd Ste 1100, Cypress, TX 77433 7111
Teen Savings Account
0.10%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 15, 2026
Details

Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
9212 Fry Road # 100, Cypress, TX 77433
Business Share
0.10%
$50,000
Rate0.10%
Min Deposit$50,000
Min Balance
UpdatedMar 21, 2026
Details

$50,000 to $299,999.99

Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
9212 Fry Road # 100, Cypress, TX 77433
High Yielding Share Drafts (Checking)
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
24344 Northwest Fwy, Cypress, TX 77429
Savings
0.10%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 22, 2026
Details

Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
9212 Fry Road # 100, Cypress, TX 77433
High Yielding Share Drafts (Checking)
0.08%
$0
Rate0.08%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
17802 Cypress Road, Cypress, TX 77429
Retirement High Yield Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
9212 Fry Road # 100, Cypress, TX 77433
Business Share
0.05%
$1,000
Rate0.05%
Min Deposit$1,000
Min Balance
UpdatedMar 21, 2026
Details

$1,000 to $49,999.99

Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
9212 Fry Road # 100, Cypress, TX 77433
High Yielding Share Drafts (Checking)
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
17802 Cypress Road, Cypress, TX 77429
Platinum Savings
0.05%
$25
Rate0.05%
Min Deposit$25
Min Balance
UpdatedMar 22, 2026
Details

Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
13201 Fry Rd, Cypress, TX 77433
Savings Account
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Qualifying balance up to $14,999.99

Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
9212 Fry Road # 100, Cypress, TX 77433
Share
0.03%
$0
Rate0.03%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

$100 to $4,999.99

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
14213 Cypress Rosehill Rd, Cypress, TX 77429
Standard Savings
0.03%
$0
Rate0.03%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
9212 Fry Road # 100, Cypress, TX 77433
High Yielding Share Drafts (Checking)
0.02%
$0
Rate0.02%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
17802 Cypress Road, Cypress, TX 77429
Platinum Savings
0.02%
$25
Rate0.02%
Min Deposit$25
Min Balance
UpdatedMar 22, 2026
Details

Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
14213 Cypress Rosehill Rd, Cypress, TX 77429
Standard Savings
0.02%
$0
Rate0.02%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
8878 Barker Cypress Rd, Cypress, TX 77433 1971
Primary Savings
0.01%
$5
Rate0.01%
Min Deposit$5
Min Balance
UpdatedMar 21, 2026
Details

PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
8878 Barker Cypress Rd, Cypress, TX 77433 1971
IRA Savings
0.01%
$5
Rate0.01%
Min Deposit$5
Min Balance
UpdatedMar 21, 2026
Details

PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
8878 Barker Cypress Rd, Cypress, TX 77433 1971
Student Savings
0.01%
$5
Rate0.01%
Min Deposit$5
Min Balance
UpdatedMar 21, 2026
Details

PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
8878 Barker Cypress Rd, Cypress, TX 77433 1971
Freedom Fighters Savings
0.01%
$5
Rate0.01%
Min Deposit$5
Min Balance
UpdatedMar 21, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
17802 Cypress Road, Cypress, TX 77429
Way2SaveĀ® Savings
0.01%
$25
Rate0.01%
Min Deposit$25
Min Balance
UpdatedMar 22, 2026
Details

$25 minimum opening deposit

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
17802 Cypress Road, Cypress, TX 77429
Platinum Savings
0.01%
$25
Rate0.01%
Min Deposit$25
Min Balance
UpdatedMar 22, 2026
Details

Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit

PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
8878 Barker Cypress Rd, Cypress, TX 77433 1971
Holiday Savings
0.01%
$5
Rate0.01%
Min Deposit$5
Min Balance
UpdatedMar 21, 2026
Details

PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.71%
8878 Barker Cypress Rd, Cypress, TX 77433 1971
Non-Interest Savings
0.00%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 21, 2026
Details

Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
9212 Fry Road # 100, Cypress, TX 77433
Share Drafts (Checking)
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

$250 to $99,999.99

Fsnb
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
Building 239, Sheppard Afb, TX 76311
Cents-able Savings
7.00%
$5
Rate7.00%
Min Deposit$5
Min Balance
UpdatedMar 23, 2026
Details

Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
1404 N Lee Trevino Dr, El Paso, TX 79936 6533
MySavings Youth
7.00%
$0
Rate6.77%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
Accelerate It Savings
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Qualifying balance up to $5,000.00

Extraco Banks National Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
800 E Main St, Gatesville, TX 76528
First Savings
5.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Qualifying balance up to $5,000.00

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 27, 2026
Details

Qualifying balance up to $100,000.00

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 27, 2026
Details

OWB One World Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.80%
2449 Walnut Hill Ln, Dallas, TX 75229
Regular Savings / Business Savings
3.75%
$0
Rate3.70%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

First Foundation Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.45%
1601 Preston Rd, Plano, TX 75093
Online Savings
3.75%
$1,000
Rate0.00%
Min Deposit$1,000
Min Balance
UpdatedMar 22, 2026
Details

Texas Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.17%
2000 Mckinney Ave, Dallas, TX 75201
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%
2000 Mckinney Ave, Dallas, TX 75201
Star High Yield Savings Account
3.65%
$0
Rate3.58%
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%
2000 Mckinney Ave, Dallas, TX 75201
Star High-Yield Savings Account
3.65%
$0
Rate3.58%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Only available in Texas

The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
7500 San Felipe St, Houston, TX 77063
High-Yield Savings
3.55%
$5,000
Rate0.00%
Min Deposit$5,000
Min Balance
UpdatedMar 27, 2026
Details

Minimum of $5,000 not currently deposited at Huntington.

Citizens National Bank Cameron, TX
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
118 S Houston Ave, Cameron, TX 76520
Advantage Plus Savings
3.50%
$0
Rate3.45%
Min Deposit$0
Min Balance
UpdatedMar 25, 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.

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.

Cypress, TX Savings Rate Trends

Compare local Cypress, 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.

View Full Texas Savings Trends →
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%
▼ 0.287 from last week

Texas standard savings rates fell 0.287 points this week to 0.548% APY, down from 0.835% last week.

As of Mar 27, 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 Cypress, 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 Cypress, 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 Cypress, 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 Cypress, 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 Cypress, 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 Cypress, 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 Cypress, Texas?

Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Cypress, Texas offer in-person customer service, which some customers prefer.

How do I open a savings account in Cypress, 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 Cypress, Texas

Here are recent savings rates observed in Cypress, Texas and the surrounding area:
  • PNC Bank
    PNC High Yield SavingsĀ® — 3.25% APY
  • Capital One Bank
    360 Performance Savings — 3.20% APY
  • SHELL
    High Yield eSavings — 3.00% APY
  • Texas Bay Credit Union
    Share — 2.27% APY
  • Frost Bank
    Savings Money Market — 1.50% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Cypress, Texas. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 27, 2026