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Texas Savings Rate Trends

Garland, Texas (TX) Savings Rates - March 2026

The best savings rates for Garland, Texas and the surrounding area include PNC BankPNC Bank111 N Glenbrook Dr, Garland, TX 75040A5.0 ★Texas Ratio: 6.83% PNC High Yield SavingsĀ® at 3.25% APY, Capital One BankCapital One Bank2015 Northwest Hwy, Garland, TX 75041A5.0 ★Texas Ratio: 10.41% 360 Performance Savings at 3.20% APY, American First National BankAmerican First National Bank3306 W Walnut St, Garland, TX 75042A5.0 ★Texas Ratio: 6.60% VIP savings account at 3.00% APY, The Huntington National BankThe Huntington National Bank1001 Main St, Garland, TX 75040A+5.0 ★Texas Ratio: 4.60% High-Yield Savings at 2.98% APY, and First Guaranty BankFirst Guaranty Bank603 Main St, Garland, TX 75040A5.0 ★Texas Ratio: 12.00% Savings Elite at 2.53% APY. Savings rates as of March 26, 2026 according to verified data from MonitorBankRates.

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

Savings rates reflect recent market quotes and representative offers available to depositors in Garland, Texas and the surrounding area. Last Updated and Verified: March 26, 2026

Compare the Best Savings Rates in Garland, 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%
111 N Glenbrook Dr, Garland, TX 75040
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%
2015 Northwest Hwy, Garland, TX 75041
360 Performance Savings
3.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

American First National Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
3306 W Walnut St, Garland, TX 75042
VIP savings account
3.00%
$10,000
Rate0.00%
Min Deposit$10,000
Min Balance
UpdatedMar 24, 2026
Details

guaranteed through June 30, 2026

The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
1001 Main St, Garland, TX 75040
High-Yield Savings
2.98%
$5,000
Rate0.00%
Min Deposit$5,000
Min Balance
UpdatedMar 20, 2026
Details

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

First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
603 Main St, Garland, TX 75040
Savings Elite
2.53%
$0
Rate2.50%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
603 Main St, Garland, TX 75040
SAVINGSELITE
2.53%
$25,000
Rate2.50%
Min Deposit$25,000
Min Balance
UpdatedMar 26, 2026
Details

Balances $25,000.00 or more

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
5225 N Garland Ave, Garland, TX 75040
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%
5225 N Garland Ave, Garland, TX 75040
Savings Money Market
1.40%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
5225 N Garland Ave, Garland, TX 75040
Savings Money Market
1.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
Traditional/Roth IRA Savings
1.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
Coverdell ESA Shares
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%
5225 N Garland Ave, Garland, TX 75040
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%
5225 N Garland Ave, Garland, TX 75040
Savings Money Market
0.90%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
5225 N Garland Ave, Garland, TX 75040
Savings Money Market
0.70%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Randolph Brooks FCU
Institution Rating:
A+5.0 ★
5175 N President George Bush Hwy, Garland, TX 75040
IRA Savings
0.50%
$1
Rate0.50%
Min Deposit$1
Min Balance
UpdatedMar 21, 2026
Details

Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
302 W Centerville Rd, Garland, TX 75041
IRA & SEP Savings
0.35%
$50
Rate0.35%
Min Deposit$50
Min Balance
UpdatedMar 21, 2026
Details

First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
603 Main St, Garland, TX 75040
Health Savings Account
0.30%
$100
Rate0.30%
Min Deposit$100
Min Balance
UpdatedMar 26, 2026
Details

Randolph Brooks FCU
Institution Rating:
A+5.0 ★
5175 N President George Bush Hwy, Garland, TX 75040
Savings
0.30%
$1
Rate0.30%
Min Deposit$1
Min Balance
UpdatedMar 21, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
Regular Shares (Secondary)
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
Regular Shares
0.25%
$5
Rate0.25%
Min Deposit$5
Min Balance
UpdatedMar 26, 2026
Details

$5 minimum balance is required to maintain a Regular Savings account.

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
901 W Campbell Rd Ste B, Garland, TX 75044 2510
Regular Share Account
0.25%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 26, 2026
Details

$5 minimum balance is required to maintain a Regular Savings account.

First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
603 Main St, Garland, TX 75040
Health Savings Account
0.12%
$100
Rate0.12%
Min Deposit$100
Min Balance
UpdatedMar 26, 2026
Details

Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
1920 Northwest Hwy, Garland, TX 75041 4834
Teen Savings Account
0.10%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 15, 2026
Details

Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
302 W Centerville Rd, Garland, TX 75041
Summer Savings & Holiday Club
0.10%
$5
Rate0.10%
Min Deposit$5
Min Balance
UpdatedMar 21, 2026
Details

Fees could reduce earnings on the account. A penalty will or may be imposed for early withdrawal of funds. Rates as of March 21, 2026. Rates are subject to change without notice.

Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
302 W Centerville Rd, Garland, TX 75041
Roary & CU Succeed Savings
0.10%
$25
Rate0.10%
Min Deposit$25
Min Balance
UpdatedMar 21, 2026
Details

Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
302 W Centerville Rd, Garland, TX 75041
Regular Savings
0.10%
$25
Rate0.10%
Min Deposit$25
Min Balance
UpdatedMar 21, 2026
Details

Americas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
2154 FOREST LN, GARLAND, TX 75042
Smart Start Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Americas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
2154 FOREST LN, GARLAND, TX 75042
Kids Club Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
1920 Northwest Hwy, Garland, TX 75041 4834
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%
1920 Northwest Hwy, Garland, TX 75041 4834
Club Savings
0.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
603 Main St, Garland, TX 75040
Health Savings Account
0.07%
$100
Rate0.07%
Min Deposit$100
Min Balance
UpdatedMar 26, 2026
Details

Americas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
2154 FOREST LN, GARLAND, TX 75042
Regular Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Rate from $500 and up

Americas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
2154 FOREST LN, GARLAND, TX 75042
IRA Savings Account
0.05%
$25
Rate0.05%
Min Deposit$25
Min Balance
UpdatedMar 25, 2026
Details

Americas Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
2154 FOREST LN, GARLAND, TX 75042
Business Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Reg $500.00 and up

First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
603 Main St, Garland, TX 75040
Savings Elite
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
603 Main St, Garland, TX 75040
Regular Savings
0.05%
$100
Rate0.05%
Min Deposit$100
Min Balance
UpdatedMar 26, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3432 W Buckingham Rd, Garland, TX 75042
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

First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
603 Main St, Garland, TX 75040
Health Savings Account
0.05%
$100
Rate0.05%
Min Deposit$100
Min Balance
UpdatedMar 26, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3432 W Buckingham Rd, Garland, TX 75042
Retirement High Yield Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
603 Main St, Garland, TX 75040
SAVINGSELITE
0.05%
$25,000
Rate0.05%
Min Deposit$25,000
Min Balance
UpdatedMar 26, 2026
Details

Balances less than $25,000.00

First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
603 Main St, Garland, TX 75040
Christmas Club Savings
0.05%
$5
Rate0.05%
Min Deposit$5
Min Balance
UpdatedMar 26, 2026
Details

First Guaranty Bank
Institution Rating:
A5.0 ★Texas Ratio: 12.00%
603 Main St, Garland, TX 75040
Business Savings
0.05%
$100
Rate0.05%
Min Deposit$100
Min Balance
UpdatedMar 26, 2026
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
5225 N Garland Ave, Garland, TX 75040
Savings Account
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Qualifying balance up to $14,999.99

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
111 N Glenbrook Dr, Garland, TX 75040
Standard Savings
0.03%
$0
Rate0.03%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
111 N Glenbrook Dr, Garland, TX 75040
Standard Savings
0.02%
$0
Rate0.02%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3432 W Buckingham Rd, Garland, TX 75042
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

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3432 W Buckingham Rd, Garland, TX 75042
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%
3432 W Buckingham Rd, Garland, TX 75042
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

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

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

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

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

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

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.

Garland, TX Savings Rate Trends

Compare local Garland, 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%
▼ 0.200 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 Garland, 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 Garland, 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 Garland, 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 Garland, 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 Garland, 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 Garland, 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 Garland, Texas?

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

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

Here are recent savings rates observed in Garland, Texas and the surrounding area:
  • PNC Bank
    PNC High Yield SavingsĀ® — 3.25% APY
  • Capital One Bank
    360 Performance Savings — 3.20% APY
  • American First National Bank
    VIP savings account — 3.00% APY
  • The Huntington National Bank
    High-Yield Savings — 2.98% APY
  • First Guaranty Bank
    Savings Elite — 2.53% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Garland, Texas. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 26, 2026