Lumberton, Texas (TX) Savings Rates - March 2026
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The savings rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
The best savings rates for Lumberton, Texas and the surrounding area include MCT Credit UnionMCT Credit Union94 N Lhs Dr, Lumberton, TX 77657 8627A+5.0 ★Texas Ratio: 2.43% Sprout Savings Account at 5.55% APY, PNC BankPNC Bank680 S Main St, Lumberton, TX 77657A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, 5Point Credit Union5Point Credit Union141 N Lhs Dr Ste 219, Lumberton, TX 77657 8698A5.0 ★Texas Ratio: 6.33% High-Yield Savings Account at 3.00% APY, Rave Financial Credit UnionRave Financial Credit Union604 S Main St, Lumberton, TX 77657A+5.0 ★Texas Ratio: 3.72% Share Savings Account at 0.80% APY, and Education First Federal Credit UnionEducation First Federal Credit Union199 S LHS Dr, Lumberton, TX 77657A+5.0 ★Texas Ratio: 4.21% Christmas and Vacation Club Savings Account at 0.20% APY. Savings rates as of March 25, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Lumberton, 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 Lumberton, Texas (TX) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Lumberton, Texas and the surrounding area. Last Updated and Verified: March 25, 2026
Compare the Best Savings Rates in Lumberton, Texas & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
MCT Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
94 N Lhs Dr, Lumberton, TX 77657 8627
Sprout Savings Account
5.55%
$5
▼
Rate5.41%
Min Deposit$5
Min Balance—
UpdatedMar 20, 2026
Details
Qualifying balance up to $15,000.00
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
680 S Main St, Lumberton, TX 77657
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
141 N Lhs Dr Ste 219, Lumberton, TX 77657 8698
High-Yield Savings Account
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Qualifying balance up to $100,000.00
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
141 N Lhs Dr Ste 219, Lumberton, TX 77657 8698
First Savings Account
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details
Qualifying balance up to $5,000.00
MCT Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
94 N Lhs Dr, Lumberton, TX 77657 8627
Member Share Savings Account
2.50%
$5
▼
Rate2.47%
Min Deposit$5
Min Balance—
UpdatedMar 20, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
94 N Lhs Dr, Lumberton, TX 77657 8627
Sprout Savings
2.50%
$5
▼
Rate2.47%
Min Deposit$5
Min Balance—
UpdatedMar 20, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
94 N Lhs Dr, Lumberton, TX 77657 8627
Sprout Savings Account
2.50%
$5
▼
Rate2.47%
Min Deposit$5
Min Balance—
UpdatedMar 20, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
94 N Lhs Dr, Lumberton, TX 77657 8627
Member Share Savings Account
2.01%
$5
▼
Rate1.99%
Min Deposit$5
Min Balance—
UpdatedMar 20, 2026
Details
Qualifying balance up to $15,000.00
MCT Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
94 N Lhs Dr, Lumberton, TX 77657 8627
Sprout Savings Account
2.01%
$5
▼
Rate1.99%
Min Deposit$5
Min Balance—
UpdatedMar 20, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
94 N Lhs Dr, Lumberton, TX 77657 8627
Member Share Savings Account
1.00%
$5
▼
Rate0.99%
Min Deposit$5
Min Balance—
UpdatedMar 20, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
94 N Lhs Dr, Lumberton, TX 77657 8627
Sprout Savings
1.00%
$5
▼
Rate0.99%
Min Deposit$5
Min Balance—
UpdatedMar 20, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
94 N Lhs Dr, Lumberton, TX 77657 8627
Sprout Savings Account
1.00%
$5
▼
Rate0.99%
Min Deposit$5
Min Balance—
UpdatedMar 20, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
604 S Main St, Lumberton, TX 77657
Share Savings Account
0.80%
$0
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
94 N Lhs Dr, Lumberton, TX 77657 8627
Member Share Savings Account
0.75%
$5
▼
Rate0.75%
Min Deposit$5
Min Balance—
UpdatedMar 20, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
94 N Lhs Dr, Lumberton, TX 77657 8627
Sprout Savings
0.75%
$5
▼
Rate0.75%
Min Deposit$5
Min Balance—
UpdatedMar 20, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
94 N Lhs Dr, Lumberton, TX 77657 8627
Sprout Savings Account
0.75%
$5
▼
Rate0.75%
Min Deposit$5
Min Balance—
UpdatedMar 20, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
604 S Main St, Lumberton, TX 77657
Share Savings Account
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
604 S Main St, Lumberton, TX 77657
Share Savings Account
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
94 N Lhs Dr, Lumberton, TX 77657 8627
Christmas Club Savings Account
0.20%
$5
▼
Rate0.20%
Min Deposit$5
Min Balance—
UpdatedMar 20, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
604 S Main St, Lumberton, TX 77657
Savings Account
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
94 N Lhs Dr, Lumberton, TX 77657 8627
IRA Savings
0.20%
$5
▼
Rate0.20%
Min Deposit$5
Min Balance—
UpdatedMar 20, 2026
Details
Education First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
199 S LHS Dr, Lumberton, TX 77657
Christmas and Vacation Club Savings Account
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Education First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
199 S LHS Dr, Lumberton, TX 77657
Personal Savings Account
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Education First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
199 S LHS Dr, Lumberton, TX 77657
Share Savings Account
0.20%
$5
▼
Rate0.20%
Min Deposit$5
Min Balance—
UpdatedMar 25, 2026
Details
Education First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
199 S LHS Dr, Lumberton, TX 77657
Special Savings Account
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
141 N Lhs Dr Ste 219, Lumberton, TX 77657 8698
Business Savings
0.20%
$5
▼
Rate0.20%
Min Deposit$5
Min Balance—
UpdatedMar 24, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
141 N Lhs Dr Ste 219, Lumberton, TX 77657 8698
IRA Savings
0.20%
$100
▼
Rate0.20%
Min Deposit$100
Min Balance—
UpdatedMar 24, 2026
Details
5Point Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.33%
141 N Lhs Dr Ste 219, Lumberton, TX 77657 8698
Share Savings
0.20%
$5
▼
Rate0.20%
Min Deposit$5
Min Balance—
UpdatedMar 24, 2026
Details
Rave Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
604 S Main St, Lumberton, TX 77657
IRA Savings Account
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Balances $500.00 and over
Education First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
199 S LHS Dr, Lumberton, TX 77657
Business Savings Account
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
MCT Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
94 N Lhs Dr, Lumberton, TX 77657 8627
Member Share Savings Account
0.20%
$5
▼
Rate0.20%
Min Deposit$5
Min Balance—
UpdatedMar 20, 2026
Details
DUGOOD
Institution Rating:
F2.8 ★Texas Ratio: 41.67%
695 N Main St, Lumberton, TX 77657 7354
HSA - Savings Account
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
DUGOOD
Institution Rating:
F2.8 ★Texas Ratio: 41.67%
695 N Main St, Lumberton, TX 77657 7354
Savings Account
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
435 S Main St, Lumberton, TX 77657
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%
435 S Main St, Lumberton, TX 77657
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%
680 S Main St, Lumberton, TX 77657
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%
435 S Main St, Lumberton, TX 77657
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%
680 S Main St, Lumberton, TX 77657
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%
435 S Main St, Lumberton, TX 77657
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%
435 S Main St, Lumberton, TX 77657
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
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 18, 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 20, 2026
Details
Qualifying balance up to $100,000.00
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 20, 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
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
Independent Bank Memphis, TN
Institution Rating:
A5.0 ★Texas Ratio: 9.65%
3010 Lyndon B Johnson Fwy, Dallas, TX 75234
Savings Special
3.70%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details
New money only. Fees may reduce earnings. Offer applies to personal accounts only.
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
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
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 Account
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 20, 2026
Details
Daily compounding interest. Fees could reduce earnings on the account. Additional terms and conditions may apply, contact bank for details.
Cornerstone Capital Bank, SSB
Institution Rating:
B+4.8 ★Texas Ratio: 17.74%
1177 West Loop S, Houston, TX 77027
Digital High-Yield Savings
3.30%
$50
▼
Rate3.25%
Min Deposit$50
Min Balance—
UpdatedMar 25, 2026
Details
Woori America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
2405 S Stemmons Fwy Ste 102 105, Lewisville, TX 75067
WooriWON Savings
3.25%
$100
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 22, 2026
Details
Online Only
Capital One Bank
Institution Rating:
A5.0 ★Texas Ratio: 10.41%
3775 Stagg Dr, Beaumont, TX 77701
360 Performance Savings
3.20%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
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MonitorBankRates
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.
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.
Lumberton, TX Savings Rate Trends
Compare local Lumberton, 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.
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 Lumberton, 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 Lumberton, 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 Lumberton, 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 Lumberton, 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 Lumberton, 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 Lumberton, 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 Lumberton, Texas?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Lumberton, Texas offer in-person customer service, which some customers prefer.
How do I open a savings account in Lumberton, 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 Lumberton, Texas
Here are recent savings rates observed in Lumberton, Texas and the surrounding area:
- MCT Credit Union
Sprout Savings Account — 5.55% APY - PNC Bank
PNC High Yield Savings® — 3.25% APY - 5Point Credit Union
High-Yield Savings Account — 3.00% APY - Rave Financial Credit Union
Share Savings Account — 0.80% APY - Education First Federal Credit Union
Christmas and Vacation Club Savings Account — 0.20% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Lumberton, Texas. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 25, 2026
