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Texas Savings Rate Trends

Katy, Texas (TX) Savings Rates - March 2026

The best savings rates for Katy, Texas and the surrounding area include PNC BankPNC Bank333 S Fry Rd, Katy, TX 77450A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, Capital One BankCapital One Bank23910 Westheimer Pkwy, Katy, TX 77494A5.0 ★Texas Ratio: 10.41% 360 Performance Savings at 3.20% APY, Gulf Coast Educators Federal Credit UnionGulf Coast Educators Federal Credit Union27252 Katy Fwy, Katy, TX 77494 1001A+5.0 ★Texas Ratio: 3.85% Dollar Up Savings at 3.02% APY, SHELLSHELL23125 Morton Ranch Rd, Katy, TX 77449A+5.0 ★Texas Ratio: 2.74% High Yield eSavings at 3.00% APY, and American First National BankAmerican First National Bank1231 S Mason Rd, Katy, TX 77450A5.0 ★Texas Ratio: 6.60% VIP savings account at 3.00% APY. Savings rates as of March 25, 2026 according to verified data from MonitorBankRates.

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

Savings rates reflect recent market quotes and representative offers available to depositors in Katy, Texas and the surrounding area. Last Updated and Verified: March 25, 2026

Compare the Best Savings Rates in Katy, 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%
333 S Fry Rd, Katy, TX 77450
PNC High Yield Savings®
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%
23910 Westheimer Pkwy, Katy, TX 77494
360 Performance Savings
3.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
27252 Katy Fwy, Katy, TX 77494 1001
Dollar Up Savings
3.02%
$0
Rate2.99%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
23125 Morton Ranch Rd, Katy, TX 77449
High Yield eSavings
3.00%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 22, 2026
Details

Qualifications Required: Have an open eChecking account; Meet all eChecking account qualifications each month; Qualifying balance up to $10,000.00

American First National Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
1231 S Mason Rd, Katy, TX 77450
VIP savings account
3.00%
$10,000
Rate0.00%
Min Deposit$10,000
Min Balance
UpdatedMar 24, 2026
Details

guaranteed through June 30, 2026

Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
3211 Peek Rd, Katy, TX 77449
High-Yield Savings
2.74%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Yes Checking

Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
4747 FM 1463 Rd Ste 1000, Katy, TX 77494
Share
2.27%
$0
Rate2.25%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

$500,000 and up

Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
3211 Peek Rd, Katy, TX 77449
High-Yield Savings
2.24%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Yes Checking

Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
3211 Peek Rd, Katy, TX 77449
High-Yield Savings
2.00%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 25, 2026
Details

SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
23125 Morton Ranch Rd, Katy, TX 77449
High Yield eSavings
2.00%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 22, 2026
Details

Qualifications Required: Have an open eChecking account; Meet all eChecking account qualifications each month; Qualifying balance up to $10,000.00

Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
IRA (Savings)
1.75%
$0
Rate1.74%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
3211 Peek Rd, Katy, TX 77449
High-Yield Savings
1.74%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Yes Checking

Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
3211 Peek Rd, Katy, TX 77449
Business Savings
1.74%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 25, 2026
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
23701 Cinco Ranch Blvd, Katy, TX 77494
Savings Money Market
1.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
3211 Peek Rd, Katy, TX 77449
High-Yield Savings
1.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

No Checking

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
23701 Cinco Ranch Blvd, Katy, TX 77494
Savings Money Market
1.40%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
4747 FM 1463 Rd Ste 1000, Katy, TX 77494
Business Share
1.26%
$700,000
Rate1.25%
Min Deposit$700,000
Min Balance
UpdatedMar 21, 2026
Details

$700,000 and up

Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
3211 Peek Rd, Katy, TX 77449
High-Yield Savings
1.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

No Checking

Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
IRA (Savings)
1.25%
$0
Rate1.25%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
3211 Peek Rd, Katy, TX 77449
High-Yield Savings
1.24%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Yes Checking

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
23701 Cinco Ranch Blvd, Katy, TX 77494
Savings Money Market
1.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
3211 Peek Rd, Katy, TX 77449
High-Yield Savings
1.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

No Checking

Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
4747 FM 1463 Rd Ste 1000, Katy, TX 77494
Business Share
1.00%
$500,000
Rate1.00%
Min Deposit$500,000
Min Balance
UpdatedMar 21, 2026
Details

$500,000 to $699,999.99

Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
4747 FM 1463 Rd Ste 1000, Katy, TX 77494
Share
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

$300,000 to $499,999.99

Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
IRA (Savings)
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
23701 Cinco Ranch Blvd, Katy, TX 77494
Savings Money Market
1.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
23701 Cinco Ranch Blvd, Katy, TX 77494
Savings Money Market
0.90%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
IRA (Savings)
0.75%
$0
Rate0.75%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
3211 Peek Rd, Katy, TX 77449
High-Yield Savings
0.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

No Checking

Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
4747 FM 1463 Rd Ste 1000, Katy, TX 77494
Share
0.75%
$0
Rate0.75%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

$200,000 to $299,999.99

Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
3211 Peek Rd, Katy, TX 77449
High-Yield Savings
0.74%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Yes Checking

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
23701 Cinco Ranch Blvd, Katy, TX 77494
Savings Money Market
0.70%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
IRA (Savings)
0.60%
$0
Rate0.60%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
23665 Katy Freeway, Katy, TX 77494
Coverdell ESA Savings Account Rate
0.60%
$0
Rate0.59%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
23665 Katy Freeway, Katy, TX 77494
IRA Savings Account Rate
0.60%
$0
Rate0.59%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Energy Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.68%
3211 Peek Rd, Katy, TX 77449
High-Yield Savings
0.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

No Checking

Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
6727 FM 1463 Rd Ste 100, Katy, TX 77494
IRA (Savings)
0.50%
$100
Rate0.50%
Min Deposit$100
Min Balance
UpdatedMar 21, 2026
Details

$100 or $50 w/ payroll deduction-Direct Deposit

Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
4747 FM 1463 Rd Ste 1000, Katy, TX 77494
Share
0.45%
$0
Rate0.45%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

$150,000 to $199,999.99

Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
4747 FM 1463 Rd Ste 1000, Katy, TX 77494
Business Share
0.35%
$300,000
Rate0.35%
Min Deposit$300,000
Min Balance
UpdatedMar 21, 2026
Details

$300,000 to $499,999.99

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
25675 Nelson Way, Katy, TX 77494
Savings
0.30%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 23, 2026
Details

First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
23665 Katy Freeway, Katy, TX 77494
Coverdell ESA Savings Account Rate
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
23525 Katy Fwy, Katy, TX 77494 1334
IRA Savings
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
555 W Grand Pkwy S, Katy, TX 77494
Youth Savings
0.25%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 25, 2026
Details

$5 opening deposit required

Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
23033 Grand Circle Blvd, Katy, TX 77449
Savings Account
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Independent Bank Mckinney, TX
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
808 Katy Fort Bend Rd, Katy, TX 77494
Business Savings
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
23525 Katy Fwy, Katy, TX 77494 1334
Business Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
23525 Katy Fwy, Katy, TX 77494 1334
Dinero® Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
23525 Katy Fwy, Katy, TX 77494 1334
Money Musketeers® Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

ADVANCIAL
Institution Rating:
A+5.0 ★Texas Ratio: 0.31%
23525 Katy Fwy, Katy, TX 77494 1334
Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

SHELL
Institution Rating:
A+5.0 ★Texas Ratio: 2.74%
23125 Morton Ranch Rd, Katy, TX 77449
Savings
0.10%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 22, 2026
Details

BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
555 W Grand Pkwy S, Katy, TX 77494
Personal Savings
0.10%
$50
Rate0.00%
Min Deposit$50
Min Balance
UpdatedMar 25, 2026
Details

$50 opening deposit required

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
23701 Cinco Ranch Blvd, Katy, TX 77494
Savings Account
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Qualifying balance up to $14,999.99

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
5622 3rd St, Katy, TX 77493
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%
5622 3rd St, Katy, TX 77493
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

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
333 S Fry Rd, Katy, TX 77450
Standard Savings
0.03%
$0
Rate0.03%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
5622 3rd St, Katy, TX 77493
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%
333 S Fry Rd, Katy, TX 77450
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%
5622 3rd St, Katy, TX 77493
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

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
5622 3rd St, Katy, TX 77493
Way2Save® Savings
0.01%
$25
Rate0.01%
Min Deposit$25
Min Balance
UpdatedMar 22, 2026
Details

$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

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.

Katy, TX Savings Rate Trends

Compare local Katy, 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 Katy, 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 Katy, 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 Katy, 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 Katy, 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 Katy, 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 Katy, 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 Katy, Texas?

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

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

Here are recent savings rates observed in Katy, Texas and the surrounding area:
  • PNC Bank
    PNC High Yield Savings® — 3.25% APY
  • Capital One Bank
    360 Performance Savings — 3.20% APY
  • Gulf Coast Educators Federal Credit Union
    Dollar Up Savings — 3.02% APY
  • SHELL
    High Yield eSavings — 3.00% APY
  • American First National Bank
    VIP savings account — 3.00% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Katy, Texas. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 25, 2026