Garland, 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 Garland, Texas and the surrounding area include The Huntington National BankThe Huntington National Bank1001 Main St, Garland, TX 75040A5.0 ★Texas Ratio: 6.08%Real return: +0.45%APY minus 2.8% CPI (February 2026) Relationship Savings Account at 3.25% APY, Capital One BankCapital One Bank2015 Northwest Hwy, Garland, TX 75041A5.0 ★Texas Ratio: 7.01%Real return: +0.20%APY minus 2.8% CPI (February 2026) 360 Performance Savings at 3.00% APY, First Guaranty BankFirst Guaranty Bank603 Main St, Garland, TX 75040C3.7 ★Texas Ratio: 26.90%Real return: -0.27%APY minus 2.8% CPI (February 2026) Savings Elite at 2.53% APY, Firefighters First Federal Credit UnionFirefighters First Federal Credit Union901 W Campbell Rd Ste B, Garland, TX 75044 2510A+5.0 ★Texas Ratio: 0.84%Real return: -1.80%APY minus 2.8% CPI (February 2026) Coverdell ESA Shares at 1.00% APY, and Texas Dow Employees Credit UnionTexas Dow Employees Credit Union1920 Northwest Hwy, Garland, TX 75041 4834A5.0 ★Texas Ratio: 12.04%Real return: -1.80%APY minus 2.8% CPI (February 2026) High-Yield Savings at 1.00% APY.
Garland has 49 local institutions in our database, with savings rates as high as 3.25% APY from The Huntington National Bank at 1001 Main St, Garland, TX 75040. 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 Garland, Texas and the surrounding area. Last Updated and Verified: September 22, 2026
Compare the Best Savings Rates in Garland, Texas & Surrounding Communities
Balance: $5,000.00 to $2,000,000.99; With Huntington Perks Checking**
Balance: $5,000.00 to $2,000,000.99
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: $25,000.00 or more
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: $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: $50.00 and above
Balance: Balances greater than $1,000,000
Balance: $15,000 and over
$5 minimum balance is required to maintain a Regular Savings account.
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
Balance: Balances $100,000 - $999,999
Requires a TDECU Mortgage Loan.
Requirements not met
for teens ages 13 to 17
Balance: $250.00 and above
Balance: $50.00 and above
Balance: Balances $1,500 - $99,999
Balance: $0.01 to $4,999.99; With Private Client Account****
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
Balance: Balances less than $1,500
Balance: less than $25,000.00
When linked to Prime Checking. Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
Balance: $0.01 to $4,999.99; With Huntington Perks Checking**
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.
Balance: $0 or more
Balance: $0.01 to $4,999.99
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: $0.00 - $25,000.00
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.
Balance: $0.01-$499.99
Accelerate It Savings2: APY dividend of 5.00% is earned on balances $100.00 to $5,000.99. Balances $5,001.00 and above will receive APY of 0.20%. One Accelerate It Savings per Social Security or Taxpayer Identification Number. You must have an open checking account located under the same membership number as the Accelerate It Savings account. If your checking account is closed for any reason, your Accelerate It Savings account will convert to a Regular Savings account. You must be 22 years or older to open an Accelerate It Savings account. Rate offers accurate as of 06/01/2025. APY is accurate as of the last dividend declaration date. Other rates and terms available. Fees may reduce earnings on the account. Membership eligibility required.
Balance: $0 - $500; Compounded Quarterly
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.
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
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%.
Garland, 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 Garland, Texas.
Savings Account Earnings in Garland, 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: Garland, Texas savings rate averages as of September 23, 2026. | ||||
About Our Garland, Texas Savings Rate Database
MonitorBankRates found 9 institutions with branches in Garland (5 banks, 4 credit unions), plus 9 additional state-chartered and national online institutions available to Garland 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: The Huntington National Bank offers a savings account at 3.25% APY. Use the rate table above to compare all current offers in Garland, Texas.
How to Find the Best Savings Rates in Garland, Texas
What to compare when shopping for a savings account in Garland, Texas
To find the best savings APYs in Garland, Texas, start with credit unions and online-only banks: Garland, Texas has 9 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 3.25%, 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. Garland, 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 Garland, Texas institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 18 institutions in Garland, 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 → Garland, Texas CD rates
- You want check-writing flexibility → Garland, Texas money market rates
- You need daily transaction access → Garland, Texas checking rates
Garland, Texas Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
12.6% 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 ($3,818/year) would earn an additional $75 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other Garland, Texas Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in Garland, 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 Garland, 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 Garland, Texas
At TX’s top rate of 3.25% from The Huntington National Bank, a $10,000 deposit earns $325 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median Garland, Texas earner is roughly $9,500. 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 Garland, Texas earner makes $38,184/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 Garland, 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 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)?
Are savings accounts in Garland, Texas safe?
How often do savings rates change in Garland, 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 Garland, Texas?
How do I open a savings account in Garland, Texas?
Best Savings Rates in Garland, Texas
- The Huntington National Bank
Relationship Savings Account: 3.25% APY - Capital One Bank
360 Performance Savings: 3.00% APY - First Guaranty Bank
Savings Elite: 2.53% APY - Firefighters First Federal Credit Union
Coverdell ESA Shares: 1.00% APY - Texas Dow Employees Credit Union
High-Yield Savings: 1.00% APY
Garland, Texas Rates & Resources
