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Texas Savings Rate Trends

Irving, Texas (TX) Savings Rates - March 2026

The best savings rates for Irving, Texas and the surrounding area include Mobility Credit UnionMobility Credit Union8384 N Belt Line Rd, Irving, TX 75063 6006A5.0 ★Texas Ratio: 12.61% High Yield Savings at 3.76% APY, Corporate America Family Credit UnionCorporate America Family Credit Union5910 N MacArthur Blvd Ste 140, Irving, TX 75039 6108A+5.0 ★Texas Ratio: 3.64% Business Prosperity Savings at 3.75% APY, PNC BankPNC Bank4925 N O Connor Rd, Irving, TX 75062A5.0 ★Texas Ratio: 6.83% PNC High Yield SavingsĀ® at 3.25% APY, Capital One BankCapital One Bank4975 N O Connor Rd, Irving, TX 75062A5.0 ★Texas Ratio: 10.41% 360 Performance Savings at 3.20% APY, and The Huntington National BankThe Huntington National Bank4300 N Belt Line Rd, Irving, TX 75038A+5.0 ★Texas Ratio: 4.60% High-Yield Savings at 2.98% APY. Savings rates as of March 27, 2026 according to verified data from MonitorBankRates.

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

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

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

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
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

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

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

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
4925 N O Connor Rd, Irving, TX 75062
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%
4975 N O Connor Rd, Irving, TX 75062
360 Performance Savings
3.20%
$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
3.09%
$0
Rate3.05%
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
2.99%
$0
Rate2.95%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
4300 N Belt Line Rd, Irving, TX 75038
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.

Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.61%
8384 N Belt Line Rd, Irving, TX 75063 6006
High Yield Savings
2.89%
$0
Rate2.85%
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
2.78%
$0
Rate2.75%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
6191 N State Highway 161 Ste 500, Irving, TX 75038 2274
Premium Online Savings Account
2.70%
$0
Rate2.67%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

$5 minimum balance to open

Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.61%
8384 N Belt Line Rd, Irving, TX 75063 6006
High Yield Savings
2.68%
$0
Rate2.65%
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
2.63%
$0
Rate2.60%
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
2.58%
$0
Rate2.55%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2710 N Belt Line Rd, Irving, TX 75062
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%
2710 N Belt Line Rd, Irving, TX 75062
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%
2710 N Belt Line Rd, Irving, TX 75062
Savings Money Market
1.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.61%
8384 N Belt Line Rd, Irving, TX 75063 6006
Youth Savings
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2710 N Belt Line Rd, Irving, TX 75062
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%
2710 N Belt Line Rd, Irving, TX 75062
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%
2710 N Belt Line Rd, Irving, TX 75062
Savings Money Market
0.70%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
2315 W Airport Fwy, Irving, TX 75062
IRA & SEP Savings
0.35%
$50
Rate0.35%
Min Deposit$50
Min Balance
UpdatedMar 21, 2026
Details

Las Colinas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
555 Cimarron Trl, Irving, TX 75063 4538
IRA Savings
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Everman Parkway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
2716 RIVERLAKE CT, IRVING, TX 75060
Share Accounts
0.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Las Colinas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
555 Cimarron Trl, Irving, TX 75063 4538
IRA Savings
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Everman Parkway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
2716 RIVERLAKE CT, IRVING, TX 75060
Share Accounts
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.61%
8384 N Belt Line Rd, Irving, TX 75063 6006
Tiered Savings
0.10%
$5,000
Rate0.10%
Min Deposit$5,000
Min Balance
UpdatedMar 20, 2026
Details

Las Colinas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
555 Cimarron Trl, Irving, TX 75063 4538
Savings Accounts (Savings, Special Savings & Holiday Club Accounts)
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Resource One Credit Union
Institution Rating:
B+4.7 ★Texas Ratio: 19.00%
2315 W Airport Fwy, Irving, TX 75062
Regular 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%
2315 W Airport Fwy, Irving, TX 75062
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%
2315 W Airport Fwy, Irving, TX 75062
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.

Mobility Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.61%
8384 N Belt Line Rd, Irving, TX 75063 6006
Tiered Savings
0.07%
$100
Rate0.07%
Min Deposit$100
Min Balance
UpdatedMar 20, 2026
Details

Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
6191 N State Highway 161 Ste 500, Irving, TX 75038 2274
Money Market Savings Account
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

$25 minimum balance to open

Irving City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
1408 W Pioneer Dr, Irving, TX 75061
Roth or Traditional IRA Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2710 N Belt Line Rd, Irving, TX 75062
Savings Account
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Qualifying balance up to $14,999.99

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
900 W Airport Fwy, Irving, TX 75062
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%
900 W Airport Fwy, Irving, TX 75062
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

Las Colinas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
555 Cimarron Trl, Irving, TX 75063 4538
Savings Accounts (Savings, Special Savings & Holiday Club Accounts)
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Everman Parkway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
2716 RIVERLAKE CT, IRVING, TX 75060
Share Drafts
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Irving City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
1408 W Pioneer Dr, Irving, TX 75061
IRA Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

$25/year fee if balance falls below $500

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
4925 N O Connor Rd, Irving, TX 75062
Standard Savings
0.03%
$0
Rate0.03%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Irving City Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.32%
1408 W Pioneer Dr, Irving, TX 75061
Regular Shares/Savings
0.03%
$25
Rate0.03%
Min Deposit$25
Min Balance
UpdatedMar 24, 2026
Details

to open**

Las Colinas Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.67%
555 Cimarron Trl, Irving, TX 75063 4538
Savings Accounts (Savings, Special Savings & Holiday Club Accounts)
0.02%
$0
Rate0.02%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
900 W Airport Fwy, Irving, TX 75062
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%
4925 N O Connor Rd, Irving, TX 75062
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%
900 W Airport Fwy, Irving, TX 75062
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%
900 W Airport Fwy, Irving, TX 75062
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

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

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

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

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

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 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

Citizens National Bank Cameron, TX
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
118 S Houston Ave, Cameron, TX 76520
Advantage Plus Savings Account
3.50%
$0
Rate3.45%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

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

Ciera Bank
Institution Rating:
A-4.9 ★Texas Ratio: 16.58%
623 Elm St, Graham, TX 76450
Money Market Savings Account
3.40%
$2,500
Rate3.35%
Min Deposit$2,500
Min Balance
UpdatedMar 25, 2026
Details

GNB, Gilmer, Texas
Institution Rating:
A5.0 ★Texas Ratio: 10.60%
713 Us Highway 271 N, Gilmer, TX 75644
Savings Account
3.31%
$50
Rate0.00%
Min Deposit$50
Min Balance
UpdatedMar 26, 2026
Details

Daily compounding interest. Fees could reduce earnings on the account. Additional terms and conditions may apply, contact bank for 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.

Irving, TX Savings Rate Trends

Compare local Irving, 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 Irving, 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 Irving, 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 Irving, 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 Irving, 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 Irving, 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 Irving, 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 Irving, Texas?

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

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

Here are recent savings rates observed in Irving, Texas and the surrounding area:
  • Mobility Credit Union
    High Yield Savings — 3.76% APY
  • Corporate America Family Credit Union
    Business Prosperity Savings — 3.75% APY
  • PNC Bank
    PNC High Yield SavingsĀ® — 3.25% APY
  • Capital One Bank
    360 Performance Savings — 3.20% APY
  • The Huntington National Bank
    High-Yield Savings — 2.98% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Irving, Texas. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 27, 2026