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
Qualifications Required: Have an open eChecking account; Meet all eChecking account qualifications each month; Qualifying balance up to $10,000.00
guaranteed through June 30, 2026
Yes Checking
$500,000 and up
Yes Checking
Qualifications Required: Have an open eChecking account; Meet all eChecking account qualifications each month; Qualifying balance up to $10,000.00
Yes Checking
No Checking
$700,000 and up
No Checking
Yes Checking
No Checking
$500,000 to $699,999.99
$300,000 to $499,999.99
No Checking
$200,000 to $299,999.99
Yes Checking
No Checking
$100 or $50 w/ payroll deduction-Direct Deposit
$150,000 to $199,999.99
$300,000 to $499,999.99
$5 opening deposit required
$50 opening deposit required
Qualifying balance up to $14,999.99
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
Avoid the $12 monthly service fee with a $3,500 minimum daily balance each fee period.; $25 minimum opening deposit
$25 minimum opening deposit
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.
Texas high-yield savings rates fell 2.148 points this week to 0.772% APY, down from 2.920% last week.
Texas standard savings rates fell 0.200 points this week to 0.548% APY, down from 0.748% last week.
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.