Denton, 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 Denton, Texas and the surrounding area include Ciera BankCiera Bank321 W Oak St, Denton, TX 76201A-4.9 ★Texas Ratio: 16.58% Money Market Savings Account at 3.40% APY, PNC BankPNC Bank729 Fort Worth Dr, Denton, TX 76201A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, First Guaranty BankFirst Guaranty Bank2209 W University Dr, Denton, TX 76201A5.0 ★Texas Ratio: 12.00% Savings Elite at 2.53% APY, Frost BankFrost Bank1330 S Loop 288, Denton, TX 76205A+5.0 ★Texas Ratio: 2.87% Savings Money Market at 1.50% APY, and UMB BankUMB Bank1013 W University Dr, Denton, TX 76201A+5.0 ★Texas Ratio: 0.71% UMB Premium Savings at 0.55% APY. Savings rates as of March 25, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Denton, 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 Denton, Texas (TX) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Denton, Texas and the surrounding area. Last Updated and Verified: March 25, 2026
Compare the Best Savings Rates in Denton, Texas & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
321 W Oak St, Denton, TX 76201
Money Market Savings Account
3.40%
$2,500
▼
Rate3.35%
Min Deposit$2,500
Min Balance—
UpdatedMar 25, 2026
Details
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
729 Fort Worth Dr, Denton, TX 76201
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
321 W Oak St, Denton, TX 76201
Money Market Savings Account
3.00%
$2,500
▼
Rate2.96%
Min Deposit$2,500
Min Balance—
UpdatedMar 25, 2026
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
321 W Oak St, Denton, TX 76201
Money Market Savings Account
2.60%
$2,500
▼
Rate2.57%
Min Deposit$2,500
Min Balance—
UpdatedMar 25, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
2209 W University Dr, Denton, TX 76201
Savings Elite
2.53%
$0
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
2209 W University Dr, Denton, TX 76201
SAVINGSELITE
2.53%
$25,000
▼
Rate2.50%
Min Deposit$25,000
Min Balance—
UpdatedMar 18, 2026
Details
Balances $25,000.00 or more
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
321 W Oak St, Denton, TX 76201
Money Market Savings Account
2.20%
$2,500
▼
Rate2.18%
Min Deposit$2,500
Min Balance—
UpdatedMar 25, 2026
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
321 W Oak St, Denton, TX 76201
Money Market Savings Account
1.80%
$2,500
▼
Rate1.79%
Min Deposit$2,500
Min Balance—
UpdatedMar 25, 2026
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
321 W Oak St, Denton, TX 76201
Health Savings Account (HSA Account)
1.60%
$100
▼
Rate1.59%
Min Deposit$100
Min Balance—
UpdatedMar 25, 2026
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
321 W Oak St, Denton, TX 76201
Savings Account
1.60%
$100
▼
Rate1.59%
Min Deposit$100
Min Balance—
UpdatedMar 25, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1330 S Loop 288, Denton, TX 76205
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%
1330 S Loop 288, Denton, TX 76205
Savings Money Market
1.40%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
321 W Oak St, Denton, TX 76201
Money Market Savings Account
1.40%
$2,500
▼
Rate1.39%
Min Deposit$2,500
Min Balance—
UpdatedMar 25, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1330 S Loop 288, Denton, TX 76205
Savings Money Market
1.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1330 S Loop 288, Denton, TX 76205
Savings Money Market
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
321 W Oak St, Denton, TX 76201
Health Savings Account (HSA Account)
1.00%
$100
▼
Rate1.00%
Min Deposit$100
Min Balance—
UpdatedMar 25, 2026
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
321 W Oak St, Denton, TX 76201
Money Market Savings Account
1.00%
$2,500
▼
Rate1.00%
Min Deposit$2,500
Min Balance—
UpdatedMar 25, 2026
Details
Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
321 W Oak St, Denton, TX 76201
Savings Account
1.00%
$100
▼
Rate1.00%
Min Deposit$100
Min Balance—
UpdatedMar 25, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1330 S Loop 288, Denton, TX 76205
Savings Money Market
0.90%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1330 S Loop 288, Denton, TX 76205
Savings Money Market
0.70%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
UMB Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.71%
1013 W University Dr, Denton, TX 76201
UMB Premium Savings
0.55%
$0
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
3351 Unicorn Lake Blvd, Denton, TX 76210
Command Fund
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
3351 Unicorn Lake Blvd, Denton, TX 76210
IRA Share
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
2209 W University Dr, Denton, TX 76201
Health Savings Account
0.30%
$100
▼
Rate0.30%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
3351 Unicorn Lake Blvd, Denton, TX 76210
Command Fund
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
3351 Unicorn Lake Blvd, Denton, TX 76210
Share
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Independent Bank Mckinney, TX
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
400 N Carroll Blvd, Denton, TX 76201
Business Savings
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
2209 W University Dr, Denton, TX 76201
Health Savings Account
0.12%
$100
▼
Rate0.12%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
2209 W University Dr, Denton, TX 76201
Health Savings Account
0.07%
$100
▼
Rate0.07%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details
Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
1330 S Loop 288, Denton, TX 76205
Savings Account
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifying balance up to $14,999.99
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
2209 W University Dr, Denton, TX 76201
Business Savings
0.05%
$100
▼
Rate0.05%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details
First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
2209 W University Dr, Denton, TX 76201
Christmas Club Savings
0.05%
$5
▼
Rate0.05%
Min Deposit$5
Min Balance—
UpdatedMar 18, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
101 S Locust St, Denton, TX 76201
Retirement High Yield Savings
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
101 S Locust St, Denton, TX 76201
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
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
MCT Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
2736 Nall St, Port Neches, TX 77651 5204
Sprout Savings Account
5.55%
$5
▼
Rate5.41%
Min Deposit$5
Min Balance—
UpdatedMar 20, 2026
Details
Qualifying balance up to $15,000.00
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
Allied Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
909 W Sanford St, ARLINGTON, TX 76012 5032
RoundUp Savings Account
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Allied Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
909 W Sanford St, ARLINGTON, TX 76012 5032
Youth Savings
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Qualifying balance up to $499.99
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
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX 77073 5114
Youth Smart Savings
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
1021 Central Expy S, allen, TX 75013 2790
Premier Savings for New Members
4.50%
$0
▼
Rate4.40%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Chartway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
9441 FM 1960 Bypass Rd W Ste 100, Humble, TX 77338 4090
Smart Steps Savings
4.50%
$0
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
During the first 6 months after account opening, a promotional APY of 5.00% applies to that portion of the total account balance within the first tier, up to $2,499.99.
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
1021 Central Expy S, allen, TX 75013 2790
Premier Savings
4.50%
$0
▼
Rate4.40%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Qualifying balance up to $10,000.00
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
2601 Network Blvd, Frisco, TX 75034
IRA Savings
4.11%
$0
▼
Rate4.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX 77092
FREEDOM DIRECT SAVINGS
4.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
when you add Direct Deposit to a new or existing Justice Federal Checking Account.
Del Rio SP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
106 N Main St, Del Rio, TX 78840
Youth Savings
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Qualifying balance up to $500.00
Community Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
250 FM 2821 Rd W, Huntsville, TX 77320 8422
High Yield Savings (Money Market)
4.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 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
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.36%
1199 Pasadena Blvd, Pasadena, TX 77501
Prosperity Rewards Savings
4.00%
$0
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Southern Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.41%
16035 W Little York Rd, Houston, TX 77084
Regular ShareS
3.82%
$1,000
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMar 21, 2026
Details
Community Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
250 FM 2821 Rd W, Huntsville, TX 77320 8422
High Yield Savings (Money Market)
3.80%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.61%
8384 N Belt Line Rd, Irving, TX 75063 6006
High Yield Savings
3.76%
$0
▼
Rate3.70%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Barksdale Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.16%
1507 Pine Tree Rd, Longview, TX 75604 2350
IRA Prime Savings
3.75%
$0
▼
Rate3.69%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Pinnacle Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.32%
11830 Webb Chapel Rd Ste 200, Dallas, TX 75234 2784
Accelerate Savings
3.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
5910 N MacArthur Blvd Ste 140, Irving, TX 75039 6108
Business Prosperity Savings
3.75%
$1,000
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 25, 2026
Details
Intro rate subject to change
Community Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
250 FM 2821 Rd W, Huntsville, TX 77320 8422
High Yield Savings (Money Market)
3.70%
$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%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Youth Savings Account
3.66%
$0
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.61%
8384 N Belt Line Rd, Irving, TX 75063 6006
High Yield Savings
3.66%
$0
▼
Rate3.60%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details
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
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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.
Denton, TX Savings Rate Trends
Compare local Denton, 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 Denton, 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 Denton, 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 Denton, 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 Denton, 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 Denton, 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 Denton, 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 Denton, Texas?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Denton, Texas offer in-person customer service, which some customers prefer.
How do I open a savings account in Denton, 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 Denton, Texas
Here are recent savings rates observed in Denton, Texas and the surrounding area:
- Ciera Bank
Money Market Savings Account — 3.40% APY - PNC Bank
PNC High Yield Savings® — 3.25% APY - First Guaranty Bank
Savings Elite — 2.53% APY - Frost Bank
Savings Money Market — 1.50% APY - UMB Bank
UMB Premium Savings — 0.55% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Denton, Texas. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 25, 2026
