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Texas Savings Rate Trends

Round Rock, Texas (TX) Savings Rates - March 2026

The best savings rates for Round Rock, Texas and the surrounding area include Amplify Credit UnionAmplify Credit Union115 Sundance Pkwy Ste 500, Round Rock, TX 78681 7927A+5.0 ★Texas Ratio: 2.63% Business High-Yield Savings Account at 4.00% APY, Austin Telco Federal Credit UnionAustin Telco Federal Credit Union201 Sundance Pkwy Ste B, Round Rock, TX 78681 8009A+5.0 ★Texas Ratio: 2.16% Share Account at 3.65% APY, Citizens National Bank Cameron, TXCitizens National Bank Cameron, TX110 S Mays, Round Rock, TX 78664A+5.0 ★Texas Ratio: 1.72% Advantage Plus Savings Account at 3.50% APY, PNC BankPNC Bank895 N Interstate 35, Round Rock, TX 78664A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, and Farmers Insurance Federal Credit UnionFarmers Insurance Federal Credit Union104 Sundance Pkwy, Round Rock, TX 78681 7922A-5.0 ★Texas Ratio: 15.43% Online Savings at 2.75% APY. Savings rates as of March 27, 2026 according to verified data from MonitorBankRates.

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

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

Compare the Best Savings Rates in Round Rock, Texas & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
115 Sundance Pkwy Ste 500, Round Rock, TX 78681 7927
Business High-Yield Savings Account
4.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
201 Sundance Pkwy Ste B, Round Rock, TX 78681 8009
Share Account
3.65%
$0
Rate3.65%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Citizens National Bank Cameron, TX
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
110 S Mays, Round Rock, TX 78664
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%
110 S Mays, Round Rock, TX 78664
Advantage Plus Savings
3.50%
$0
Rate3.45%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
895 N Interstate 35, Round Rock, TX 78664
PNC High Yield Savings®
3.25%
$0
Rate3.20%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Citizens National Bank Cameron, TX
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
110 S Mays, Round Rock, TX 78664
Advantage Plus Savings Account
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Citizens National Bank Cameron, TX
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
110 S Mays, Round Rock, TX 78664
Advantage Plus Savings
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.43%
104 Sundance Pkwy, Round Rock, TX 78681 7922
Online Savings
2.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

w/Direct Deposit into Checking.

Citizens National Bank Cameron, TX
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
110 S Mays, Round Rock, TX 78664
Advantage Plus Savings
2.00%
$0
Rate1.98%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Citizens National Bank Cameron, TX
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
110 S Mays, Round Rock, TX 78664
Advantage Plus Savings Account
2.00%
$0
Rate1.98%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.43%
104 Sundance Pkwy, Round Rock, TX 78681 7922
Rainy Day Savings
1.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2710 La Frontera Blvd, Round Rock, TX 78681
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 La Frontera Blvd, Round Rock, TX 78681
Savings Money Market
1.40%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 15.43%
104 Sundance Pkwy, Round Rock, TX 78681 7922
Health Savings Account
1.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2710 La Frontera Blvd, Round Rock, TX 78681
Savings Money Market
1.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

TruWest Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.06%
737 Louis Henna Blvd Ste 300, Round Rock, TX 78664
IRA Savings
1.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2710 La Frontera Blvd, Round Rock, TX 78681
Savings Money Market
1.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

SouthStar Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.24%
3025 Fm 1431, Round Rock, TX 78681
Shooting Star Savings
1.00%
$25
Rate0.00%
Min Deposit$25
Min Balance
UpdatedMar 24, 2026
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2710 La Frontera Blvd, Round Rock, TX 78681
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 La Frontera Blvd, Round Rock, TX 78681
Savings Money Market
0.70%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
900 Round Rock Ave, Round Rock, TX 78681 4510
Roth IRA Savings
0.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
900 Round Rock Ave, Round Rock, TX 78681 4510
Traditional IRA Savings
0.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Randolph Brooks FCU
Institution Rating:
A+5.0 ★
101 University Oaks Blvd, Round Rock, TX 78665
IRA Savings
0.50%
$1
Rate0.50%
Min Deposit$1
Min Balance
UpdatedMar 21, 2026
Details

Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
900 Round Rock Ave, Round Rock, TX 78681 4510
Traditional IRA Savings
0.45%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
900 Round Rock Ave, Round Rock, TX 78681 4510
Roth IRA Savings
0.45%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
900 Round Rock Ave, Round Rock, TX 78681 4510
Traditional IRA Savings
0.40%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
900 Round Rock Ave, Round Rock, TX 78681 4510
Roth IRA Savings
0.40%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
201 Sundance Pkwy Ste B, Round Rock, TX 78681 8009
IRA Savings Account - Anticipated Dividends
0.40%
$0
Rate0.40%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
201 Sundance Pkwy Ste B, Round Rock, TX 78681 8009
HSA Savings Account - Anticipated Dividends
0.40%
$0
Rate0.40%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Round Top State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2250 N A W Grimes Blvd, Round Rock, TX 78665
Savings
0.40%
$100
Rate0.40%
Min Deposit$100
Min Balance
UpdatedMar 21, 2026
Details

Citizens National Bank Cameron, TX
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
110 S Mays, Round Rock, TX 78664
Savings Account
0.40%
$0
Rate0.40%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

A+ Federal Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.18%
1000 S Mays St, Round Rock, TX 78664 6786
Health Savings Account
0.30%
$10
Rate0.00%
Min Deposit$10
Min Balance
UpdatedMar 16, 2026
Details

Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
900 Round Rock Ave, Round Rock, TX 78681 4510
Regular Share (Savings) Account
0.30%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
115 Sundance Pkwy Ste 500, Round Rock, TX 78681 7927
Share Savings Account
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
900 Round Rock Ave, Round Rock, TX 78681 4510
Traditional IRA Savings
0.30%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
900 Round Rock Ave, Round Rock, TX 78681 4510
Roth IRA Savings
0.30%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Randolph Brooks FCU
Institution Rating:
A+5.0 ★
101 University Oaks Blvd, Round Rock, TX 78665
Savings
0.30%
$1
Rate0.30%
Min Deposit$1
Min Balance
UpdatedMar 21, 2026
Details

Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
115 Sundance Pkwy Ste 500, Round Rock, TX 78681 7927
Share Savings Account
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
900 Round Rock Ave, Round Rock, TX 78681 4510
Regular Share (Savings) Account
0.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.47%
571 University Blvd, Round Rock, TX 78665 1048
Premium Savings
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Calculated daily; paid monthly on balances of $100 or more. Rate is variable and subject to change after account is opened. Fees could reduce earnings on account.

Broadway Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.78%
710 Hesters Crossing Rd, Round Rock, TX 78681
Savings Account
0.25%
$25
Rate0.25%
Min Deposit$25
Min Balance
UpdatedMar 25, 2026
Details

Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
115 Sundance Pkwy Ste 500, Round Rock, TX 78681 7927
Share Savings Account
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Velocity Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.01%
900 Round Rock Ave, Round Rock, TX 78681 4510
Regular Share (Savings) Account
0.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
115 Sundance Pkwy Ste 500, Round Rock, TX 78681 7927
Share Savings Account
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Independent Bank Mckinney, TX
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
4420 Sunrise Rd, Round Rock, TX 78665
Business Savings
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
201 Sundance Pkwy Ste B, Round Rock, TX 78681 8009
Share Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Anticipated Dividends

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
201 Sundance Pkwy Ste B, Round Rock, TX 78681 8009
Regular Savings
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.16%
201 Sundance Pkwy Ste B, Round Rock, TX 78681 8009
True Youth Savings - Anticipated Dividends
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

VeraBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
902 E Palm Valley Blvd, Round Rock, TX 78664
Savings Accounts
0.10%
$25
Rate0.10%
Min Deposit$25
Min Balance
UpdatedMar 22, 2026
Details

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2300 S Ih 35, Round Rock, TX 78681
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

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
2300 S Ih 35, Round Rock, TX 78681
Retirement High Yield Savings
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 22, 2026
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
2710 La Frontera Blvd, Round Rock, TX 78681
Savings Account
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Qualifying balance up to $14,999.99

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
895 N Interstate 35, Round Rock, TX 78664
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%
2300 S Ih 35, Round Rock, TX 78681
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%
895 N Interstate 35, Round Rock, TX 78664
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%
2300 S Ih 35, Round Rock, TX 78681
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%
2300 S Ih 35, Round Rock, TX 78681
Way2Save® Savings
0.01%
$25
Rate0.01%
Min Deposit$25
Min Balance
UpdatedMar 22, 2026
Details

$25 minimum opening deposit

Austin Capital Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.43%
1490 Rusk Rd, Round Rock, TX 78665
Savings2
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

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

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.

Round Rock, TX Savings Rate Trends

Compare local Round Rock, 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
0.805%
▼ 2.174 from last week

Texas high-yield savings rates fell 2.174 points this week to 0.805% APY, down from 2.980% last week.

Standard Savings — TX Avg
0.541%
▼ 0.266 from last week

Texas standard savings rates fell 0.266 points this week to 0.541% APY, down from 0.807% last week.

As of Mar 28, 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 Round Rock, 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 Round Rock, 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 Round Rock, 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 Round Rock, 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 Round Rock, 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 Round Rock, 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 Round Rock, Texas?

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

How do I open a savings account in Round Rock, 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 Round Rock, Texas

Here are recent savings rates observed in Round Rock, Texas and the surrounding area:
  • Amplify Credit Union
    Business High-Yield Savings Account — 4.00% APY
  • Austin Telco Federal Credit Union
    Share Account — 3.65% APY
  • Citizens National Bank Cameron, TX
    Advantage Plus Savings Account — 3.50% APY
  • PNC Bank
    PNC High Yield Savings® — 3.25% APY
  • Farmers Insurance Federal Credit Union
    Online Savings — 2.75% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Round Rock, Texas. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 27, 2026