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Texas Savings Rate Trends

Pearland, Texas (TX) Savings Rates - March 2026

The best savings rates for Pearland, Texas and the surrounding area include PNC BankPNC Bank3815 Broadway St, Pearland, TX 77581A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, Capital One BankCapital One Bank10515 Broadway St, Pearland, TX 77584A5.0 ★Texas Ratio: 10.41% 360 Performance Savings at 3.20% APY, Gulf Coast Educators Federal Credit UnionGulf Coast Educators Federal Credit Union1819 Broadway St Ste 109, Pearland, TX 77581 5671A+5.0 ★Texas Ratio: 3.85% Dollar Up Savings at 3.02% APY, Texas Bay Credit UnionTexas Bay Credit Union11555 Magnolia Parkway, Pearland, TX 77584A5.0 ★Texas Ratio: 8.99% Share at 2.27% APY, and Smart Financial Credit UnionSmart Financial Credit Union3060 Kirby Dr, Pearland, TX 77584 5594A5.0 ★Texas Ratio: 10.10% IRA (Savings) at 1.75% APY. Savings rates as of March 25, 2026 according to verified data from MonitorBankRates.

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

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

Compare the Best Savings Rates in Pearland, 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%
3815 Broadway St, Pearland, TX 77581
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%
10515 Broadway St, Pearland, TX 77584
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%
1819 Broadway St Ste 109, Pearland, TX 77581 5671
Dollar Up Savings
3.02%
$0
Rate2.99%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
11555 Magnolia Parkway, Pearland, TX 77584
Share
2.27%
$0
Rate2.25%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

$500,000 and up

Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
3060 Kirby Dr, Pearland, TX 77584 5594
IRA (Savings)
1.75%
$0
Rate1.74%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
5208 Broadway St, Pearland, TX 77581
Savings Money Market
1.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
5208 Broadway St, Pearland, TX 77581
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%
11555 Magnolia Parkway, Pearland, TX 77584
Business Share
1.26%
$700,000
Rate1.25%
Min Deposit$700,000
Min Balance
UpdatedMar 21, 2026
Details

$700,000 and up

Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
3060 Kirby Dr, Pearland, TX 77584 5594
IRA (Savings)
1.25%
$0
Rate1.25%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
5208 Broadway St, Pearland, TX 77581
Savings Money Market
1.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
11555 Magnolia Parkway, Pearland, TX 77584
Share
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

$300,000 to $499,999.99

Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
11555 Magnolia Parkway, Pearland, TX 77584
Business Share
1.00%
$500,000
Rate1.00%
Min Deposit$500,000
Min Balance
UpdatedMar 21, 2026
Details

$500,000 to $699,999.99

Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
3060 Kirby Dr, Pearland, TX 77584 5594
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%
5208 Broadway St, Pearland, TX 77581
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%
5208 Broadway St, Pearland, TX 77581
Savings Money Market
0.90%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
11555 Magnolia Parkway, Pearland, TX 77584
Share
0.75%
$0
Rate0.75%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

$200,000 to $299,999.99

Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
3060 Kirby Dr, Pearland, TX 77584 5594
IRA (Savings)
0.75%
$0
Rate0.75%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 2.19%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
Savings
0.75%
$0
Rate0.75%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
5208 Broadway St, Pearland, TX 77581
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%
3060 Kirby Dr, Pearland, TX 77584 5594
IRA (Savings)
0.60%
$0
Rate0.60%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
3060 Kirby Dr, Pearland, TX 77584 5594
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%
11555 Magnolia Parkway, Pearland, TX 77584
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%
11555 Magnolia Parkway, Pearland, TX 77584
Business Share
0.35%
$300,000
Rate0.35%
Min Deposit$300,000
Min Balance
UpdatedMar 21, 2026
Details

$300,000 to $499,999.99

Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
11555 Magnolia Parkway, Pearland, TX 77584
Share
0.28%
$0
Rate0.28%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

$100,000 to $149,999.99

Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1813 Broadway St, Pearland, TX 77581
Savings Account
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
3060 Kirby Dr, Pearland, TX 77584 5594
Business Share (Savings)
0.20%
$5
Rate0.20%
Min Deposit$5
Min Balance
UpdatedMar 21, 2026
Details

Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
3060 Kirby Dr, Pearland, TX 77584 5594
Share Savings
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
3060 Kirby Dr, Pearland, TX 77584 5594
Share (Savings)
0.20%
$5
Rate0.20%
Min Deposit$5
Min Balance
UpdatedMar 21, 2026
Details

Independent Bank Mckinney, TX
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
4605 Broadway St, Pearland, TX 77581
Business Savings
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
11555 Magnolia Parkway, Pearland, TX 77584
Share
0.12%
$0
Rate0.12%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

$50K to $99,999.99

Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
11555 Magnolia Parkway, Pearland, TX 77584
High Yielding Share Drafts (Checking)
0.11%
$0
Rate0.11%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
11555 Magnolia Parkway, Pearland, TX 77584
High Yielding Share Drafts (Checking)
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
9915 Broadway St, Pearland, TX 77584
Club Savings
0.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
9915 Broadway St, Pearland, TX 77584
Teen Savings Account
0.10%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 15, 2026
Details

Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★Texas Ratio: 22.42%
9915 Broadway St, Pearland, TX 77584
Share Savings Account
0.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 15, 2026
Details

Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
11555 Magnolia Parkway, Pearland, TX 77584
Business Share
0.10%
$50,000
Rate0.10%
Min Deposit$50,000
Min Balance
UpdatedMar 21, 2026
Details

$50,000 to $299,999.99

Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
11555 Magnolia Parkway, Pearland, TX 77584
High Yielding Share Drafts (Checking)
0.08%
$0
Rate0.08%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
8401 Broadway St, Pearland, TX 77581
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%
8401 Broadway St, Pearland, TX 77581
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

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
5208 Broadway St, Pearland, TX 77581
Savings Account
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Qualifying balance up to $14,999.99

Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
1819 Broadway St Ste 109, Pearland, TX 77581 5671
Share Account
0.05%
$1
Rate0.05%
Min Deposit$1
Min Balance
UpdatedMar 20, 2026
Details

Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
11555 Magnolia Parkway, Pearland, TX 77584
Business Share
0.05%
$1,000
Rate0.05%
Min Deposit$1,000
Min Balance
UpdatedMar 21, 2026
Details

$1,000 to $49,999.99

Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
11555 Magnolia Parkway, Pearland, TX 77584
High Yielding Share Drafts (Checking)
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Texas Bay Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.99%
11555 Magnolia Parkway, Pearland, TX 77584
Share
0.03%
$0
Rate0.03%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

$100 to $4,999.99

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
3815 Broadway St, Pearland, TX 77581
Standard Savings
0.03%
$0
Rate0.03%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
3815 Broadway St, Pearland, TX 77581
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%
8401 Broadway St, Pearland, TX 77581
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

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
8401 Broadway St, Pearland, TX 77581
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%
8401 Broadway St, Pearland, TX 77581
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

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

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

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 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

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

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

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.

Pearland, TX Savings Rate Trends

Compare local Pearland, 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 Pearland, 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 Pearland, 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 Pearland, 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 Pearland, 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 Pearland, 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 Pearland, 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 Pearland, Texas?

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

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

Here are recent savings rates observed in Pearland, 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
  • Texas Bay Credit Union
    Share — 2.27% APY
  • Smart Financial Credit Union
    IRA (Savings) — 1.75% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Pearland, Texas. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 25, 2026