Dallas, 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 Dallas, Texas and the surrounding area include OWB One World BankOWB One World Bank2449 Walnut Hill Ln, Dallas, TX 75229A+5.0 ★Texas Ratio: 0.00%Real return: +0.95%APY minus 2.8% CPI (February 2026) Regular Savings / Business Savings at 3.75% APY, Texas Capital BankTexas Capital Bank2000 Mckinney Ave, Dallas, TX 75201A+5.0 ★Texas Ratio: 3.65%Real return: +0.85%APY minus 2.8% CPI (February 2026) Star Elite Savings at 3.65% APY, Busey BankBusey Bank2021 Mckinney Ave, Dallas, TX 75201A+5.0 ★Texas Ratio: 2.73%Real return: +0.45%APY minus 2.8% CPI (February 2026) Premium Savings Account at 3.25% APY, The Huntington National BankThe Huntington National Bank8214 Westchester Dr, Dallas, TX 75225A5.0 ★Texas Ratio: 6.08%Real return: +0.45%APY minus 2.8% CPI (February 2026) Relationship Savings Account at 3.25% APY, and Chicago Patrolmens Federal Credit UnionChicago Patrolmens Federal Credit Union13465 Midway Rd Ste 104, Dallas, TX 75244 5105A+5.0 ★Texas Ratio: 3.62%Real return: +0.25%APY minus 2.8% CPI (February 2026) Share IRA at 3.05% APY.
Dallas has 60 local institutions in our database, with savings rates as high as 3.75% APY from OWB One World Bank at 2449 Walnut Hill Ln, Dallas, TX 75229. 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 Dallas, Texas and the surrounding area. Last Updated and Verified: September 22, 2026
Compare the Best Savings Rates in Dallas, Texas & Surrounding Communities
Balance: $0.01 - $1,000,000; Only available in Texas
Balance: $5MM and over
Balance: $5,000.00 to $2,000,000.99; With Huntington Perks Checking**
Balance: $5,000.00 to $2,000,000.99
Balance: 500,000+
APY (Annual Percentage Yield) is variable and effective 9/18/2026. No fees. No minimums. No worries. Your balance is FDIC-insured up to the allowable limits. Unlike tiered savings accounts, Capital One's 360 Performance Savings account offers the same high-yield savings rate on your entire balance, so you earn the same great rate whether you're just starting out or have substantial savings. Interest accrues daily and compounds monthly.
Balance: $1,000 - $4,999.99
For children under the age of 13. Balances $0-$99,999.99 will earn 0.00% APY (no dividends), $100,000-$499,999.99 will earn 3.00% APY with a fixed rate of 2.96%, and $500,000 and greater will earn 3.05% APY with a fixed rate of 3.01%. A minimum balance of $100,000 is required to earn dividends.
Balance: $100,000 - 500,000
Balance: Over $100,000
Balance: $25,000 - $99,999.99
Balance: $1,000 - $4,999.99
Balance Tiers $0 - $49,999.99 | 2.20% APY $50,000 + | 2.70% APY
$5 minimum balance to open
Balance: $1,000 - $4,999.99
Published APY range: 2.40%-4.00%; Published rate range: 2.40%-4.00%. Rates based on zip code. Get your variable rate after opening a Huntington Relationship Savings Account when you maintain deposits of $5,000.00 - $2,000,000.99. Balances $2,000,001.00 and above will earn 0.01% (0.01% APY). Balances below $5,000.00 will earn 0.01% (0.01% APY). Avoid a monthly maintenance fee when you have an average daily balance of $2,500 or have an Asterisk-Free Checking , Huntington Perks Checking or Huntington Platinum Perks Checking account; otherwise $10. Initial minimum opening deposit to earn the higher interest rate on the HRSA is $5,000.00 and must be "New Money" which is defined as money that is not currently on deposit in any Huntington account (except maturing CDs).
Published APY range: 2.40%-4.00%; Published rate range: 2.38%-3.94%. Annual percentage yield (APY) and interest rates are accurate as of May 5, 2026. The special interest rate for the Huntington Relationship Savings Account (HRSA) with balances between $5,000.00 to $2,000,000.99 is between 2.38%-3.94% with an APY between 2.40%-4.00% based on your zip code. The interest rate is variable and subject to change at any time. Balances $2,000,001.00 and above will earn 0.01% (0.01% APY). Balances below $5,000.00 will earn 0.01% (0.01% APY). Balances below $2,500 may be subject to a $10.00 per month maintenance fee. Fees may reduce earnings. When your balance falls into a specific rate tier, your entire balance will earn the applicable rate in effect for that tier. For instance, if your balance reaches $2,000,001.00 or more, your entire balance would currently earn 0.01% APY Offer is limited to one per household. We also reserve the right to limit acceptance of deposits greater than
Balance: $1,000,000.01 or more; Only available in Texas
Balance: $40,000 to $99,999.99
Co-owned with parent or guardian; Complimentary Kids Savings stackable money bank and passbook at new account opening
Published APY range: 1.70%-0.15%. Balance: $100.00
$100,000.00+
Balance: All balances
Balance: $25,000 & Over
Balance: $100,000 - $249,999
Balance: $25,000 - $49,999
Balance: $0 - $24,999
Balance: $2,000 - $14,999.99
Balance: $5,000 - $24,999
Balance: $50.00 and above
Balance: $100.00 - $2,499.99
Balance: $25 - and Up
Balance: $15,000 and over
All balances
opening deposit required
APY means Annual Percentage Yield. Disclosed APYs are accurate as of 9/18/2026. Earn 0.25% APY for daily collected balances of $0-$9,999.99 and 1.60% APY for daily collected balances of $10,000 or more. Account holder must have a new checking account with Broadway Bank. Existing checking account holders with Broadway Bank will be reviewed for eligibility. Fees may reduce earnings on the account. Rates, terms and conditions are subject to change without notice. Other restrictions may apply. Message and data rates may apply.
Balance: $100 - $4,999
Balance: $100.00
Balance: $100.00
Balance: > $2,500.00
Balance: $0.01 - $24,999.99
Balance: $0-14,999.99
Balance: $15,000.01 and over
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.
Dallas, TX Savings Rate Trends
Compare local Dallas, 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%.
Dallas, 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 Dallas, Texas.
Savings Account Earnings in Dallas, 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: Dallas, Texas savings rate averages as of September 23, 2026. | ||||
About Our Dallas, Texas Savings Rate Database
MonitorBankRates found 26 institutions with branches in Dallas (14 banks, 12 credit unions). 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: OWB One World Bank offers a savings account at 3.75% APY. Use the rate table above to compare all current offers in Dallas, Texas.
How to Find the Best Savings Rates in Dallas, Texas
What to compare when shopping for a savings account in Dallas, Texas
To find the best savings APYs in Dallas, Texas, start with credit unions and online-only banks: Dallas, Texas has 12 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 3.75%, 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. Dallas, 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 Dallas, Texas institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 26 institutions in Dallas, 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 → Dallas, Texas CD rates
- You want check-writing flexibility → Dallas, Texas money market rates
- You need daily transaction access → Dallas, Texas checking rates
Dallas, Texas Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
11.8% of residents are 65 or older, below the national average of 17.3%. At today’s TX high-yield savings average of 1.973%, saving 10% of the local median salary ($4,298/year) would earn an additional $85 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Dallas, Texas Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Dallas, 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 Dallas, 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 Dallas, Texas
At TX’s top rate of 3.75% from OWB One World Bank, a $10,000 deposit earns $375 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Dallas, Texas earner is roughly $10,700. At 1.973% APY, saving $900/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 Dallas, Texas earner makes $42,987/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 Dallas, 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 Dallas, 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 Dallas, 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 Dallas, Texas
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in Dallas, Texas safe?
How often do savings rates change in Dallas, 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 Dallas, Texas?
How do I open a savings account in Dallas, Texas?
Best Savings Rates in Dallas, Texas
- OWB One World Bank
Regular Savings / Business Savings: 3.75% APY - Texas Capital Bank
Star Elite Savings: 3.65% APY - Busey Bank
Premium Savings Account: 3.25% APY - The Huntington National Bank
Relationship Savings Account: 3.25% APY - Chicago Patrolmens Federal Credit Union
Share IRA: 3.05% APY
Dallas, Texas Rates & Resources
