San Antonio, Texas Savings Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Bank & Credit Union Star Ratings
- Finance Calculators
San Antonio, Texas savings account rates range from 0.25% to 5.00% APY, verified by MonitorBankRates as of October 13, 2026. The best savings rates for San Antonio, Texas and the surrounding area include UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union1 Lone Star Pass Bldg 1, San Antonio, TX 78264A-5.0 ★Texas Ratio: 14.54%Real return: +2.20%APY minus 2.8% CPI (February 2026) High Interest Savings at 5.00% APY, HEB Federal Credit UnionHEB Federal Credit Union4630 N Loop 1604 W Ste 101, San Antonio, TX 78249A+5.0 ★Texas Ratio: 0.70%Real return: +1.32%APY minus 2.8% CPI (February 2026) Variable IRA Share Account at 4.12% APY, Vio BankVio Bank2330 Loop 1604 West, San Antonio, TX 78248A+5.0 ★Texas Ratio: 4.93%Real return: +1.21%APY minus 2.8% CPI (February 2026) Online Savings Account at 4.01% APY, Frost BankFrost Bank111 W Houston St, San Antonio, TX 78205A+5.0 ★Texas Ratio: 2.51%Real return: +1.20%APY minus 2.8% CPI (February 2026) Business Savings at 4.00% APY, and Nizari Progressive Federal Credit UnionNizari Progressive Federal Credit Union12054 Starcrest Dr, San Antonio, TX 78247A+5.0 ★Texas Ratio: 1.16%Real return: +1.20%APY minus 2.8% CPI (February 2026) Nizari Savings Plus at 4.00% APY.
San Antonio has 75 local institutions in our database, with savings rates as high as 5.00% APY from UNIFY Financial Federal Credit Union at 1 Lone Star Pass Bldg 1, San Antonio, TX 78264. Use the table below to compare all available offers, including options from institutions serving the broader Texas area. Rates are continually updated, so we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in San Antonio, Texas and the surrounding area. Last Updated and Verified: October 13, 2026
Compare the Best Savings Rates in San Antonio, Texas & Surrounding Communities
Balance: $1.00 - $2,500.00
$50.00 to open
- Oct 5, 20264.12%▲ from 3.65%
- Sep 14, 20263.65%first recorded
All Balances
Balance: $500,000+; $500,000+
Balance: $1,000.00 - $250,000.00
- Sep 29, 20264.00%▼ from 4.00%
- Sep 25, 20264.00%▼ from 4.00%
- Sep 21, 20264.00%▼ from 4.00%
- Sep 18, 20264.00%▼ from 4.00%
Balance: $7,500,000.01 and over
Only available in Texas; Balance: $0.01 - $1,000,000
Balance: $100 - $25,000.00; No monthly service fee; Tiered base dividend; Dividend accrues from the date of deposit; Dividends are compounded and paid monthly
Balance: $100,000 and over
Balance: All Balances
Balance: $100,000 and over
Balance: $4,500,000.01 - $7,500,000.00
- Sep 29, 20263.56%▲ from 3.56%
- Sep 25, 20263.56%▼ from 3.56%
- Sep 21, 20263.56%▼ from 3.56%
- Sep 18, 20263.56%▼ from 3.56%
Balance: $2,500,000.01 - $3,500,000.00
- Sep 29, 20263.51%▲ from 3.51%
- Sep 25, 20263.51%▼ from 3.51%
- Sep 21, 20263.51%▼ from 3.51%
- Sep 18, 20263.51%first recorded
Balance: $250,000.01 - $500,000.00
- Sep 29, 20263.51%▲ from 3.51%
- Sep 25, 20263.51%▼ from 3.51%
- Sep 21, 20263.51%▼ from 3.51%
- Sep 18, 20263.51%▼ from 3.51%
Balance: $500,000.00 - $1,500,000.00
- Sep 29, 20263.45%▼ from 3.45%
- Sep 25, 20263.45%▼ from 3.45%
- Sep 21, 20263.45%▼ from 3.45%
- Sep 18, 20263.45%first recorded
All Balances
Balance: $100,000 and over
Balance: $500,000.01 - $1,000,000.00
- Sep 25, 20263.35%▼ from 3.35%
- Sep 21, 20263.35%▼ from 3.35%
- Sep 18, 20263.35%▼ from 3.35%
- Sep 14, 20263.35%first recorded
Balance: $1,000 to $99,999.99
Balance: $1,000 to $99,999.99
Balance: $1,000,000 - Up
- Sep 18, 20263.15%▲ from 3.00%
- Sep 14, 20263.00%first recorded
Balance: $100,000 and over
Balance: $1,000,000.01 & Over
- Sep 29, 20263.04%▼ from 3.04%
- Sep 25, 20263.04%▼ from 3.04%
- Sep 21, 20263.04%▼ from 3.04%
- Sep 18, 20263.04%▼ from 3.04%
Available in-branch only. You must maintain an average daily balance of $100,000 to earn the annual percentage yield stated; on a balance below $100,000 you would earn the Personal Statement Savings annual percentage yield.
Balance: $1,000 to $99,999.99
Balance: $20,000,000 and Over
Balance: $5 minimum balance to open
Balance: $10,000,000 - $19,999,999.99
Balance: $1,000 to $99,999.99
Balance: $2,500,000 - $9,999,999.99
Balance: $1,000,000 - $2,499,999.99
Balance: $100,000 - $999,999
- Sep 18, 20262.15%▲ from 2.00%
- Sep 14, 20262.00%first recorded
Balance: $1,000,000 and over
Only available in Texas; Balance: $1,000,000.01 or more
Balance: $500,000 - $999,999
Balance: On balances above $25,000 and up to $50,000
Balance: $250,000 - $499,999
Balance: $5-$499.99; Sprout Account 0-9 years old; Teen Account 10-17 years old
Balance: $100,000 - $249,999
Balance: $2,500,000 - $9,999,999.99
Account holder must have a new checking account with Broadway Bank. Existing checking account holders with Broadway Bank will be reviewed for eligibility. Fees may reduce earnings on the account. Balance: $10,000 or more
Balance: $250,000 - $999,999.99
Balance: $10,000 - $99,999
- Sep 18, 20261.55%▲ from 1.35%
- Sep 14, 20261.35%first recorded
Balance: $50,000 and over
Total Funds In Account: $5,000.00*; First $5,000 deposited must be new funds.
Balance: $1,000,000 - $2,499,999.99
Balance: $100,000 and over
Balance: $0 - $9,999
- Sep 18, 20261.40%▲ from 1.20%
- Sep 14, 20261.20%first recorded
Balance: On balances up to $25,000
Balance: $100,000 and over
Balance: $100,000 and over
Balance: $250,000 - $999,999.99
Balance: $25,000 - $49,999
Balance: $100,000 - $249,999.99
Balance: $10,000 - $24,999
Balance: $50,000 - $99,999.99
All Balances
Balance: $2,500 - $9,999
Balance: $25,000.01 and over; No monthly service fee; Tiered base dividend; Dividend accrues from the date of deposit; Dividends are compounded and paid monthly
- Sep 29, 20261.00%▼ from 1.01%
- Sep 25, 20261.01%▼ from 1.01%
- Sep 21, 20261.01%▼ from 1.01%
- Sep 18, 20261.01%▼ from 1.01%
Published APY range: 0.93% - 0.61%. Total Funds In Account: $20,000.01 - $80,000.00; First $5,000 deposited must be new funds.
Balance: $0.00 - $24,999.99
Balance: $100,000.01 & Over
- Sep 29, 20260.80%▼ from 0.80%
- Sep 25, 20260.80%▼ from 0.80%
- Sep 21, 20260.80%▼ from 0.80%
- Sep 18, 20260.80%▼ from 0.80%
Balance: $100 - $100,000
- Sep 29, 20260.75%▼ from 0.75%
- Sep 14, 20260.75%first recorded
Published APY range: 0.61% - 0.50%. Total Funds In Account: $80,000.01 or greater; First $5,000 deposited must be new funds.
A $1 minimum balance is required to open an IRA Savings account and earn the stated APY.
Minimum Opening Balance: $1; A $1 minimum balance is required to open a savings account and earn the stated APY.
Balance: $100,000.01 & Over
- Sep 25, 20260.30%▼ from 0.30%
- Sep 21, 20260.30%▼ from 0.30%
- Sep 18, 20260.30%▼ from 0.30%
- Sep 14, 20260.30%first recorded
Balance: $100,000.01 & Over
- Sep 25, 20260.30%▼ from 0.30%
- Sep 21, 20260.30%▼ from 0.30%
- Sep 18, 20260.30%▼ from 0.30%
- Sep 14, 20260.30%first recorded
Balance: $100,000.01 & Over
- Sep 25, 20260.30%▼ from 0.30%
- Sep 21, 20260.30%▼ from 0.30%
- Sep 18, 20260.30%▼ from 0.30%
- Sep 14, 20260.30%first recorded
Balance: $0 - $99,999
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.
San Antonio, TX Savings Rate Trends
Compare local San Antonio, TX savings rate quotes against the statewide average
Daily savings rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Texas high-yield savings rates rose 0.034 points over the past 7 days to 2.321% APY, up from 2.287%.
Texas standard savings rates fell 0.004 points over the past 7 days to 0.484% APY, down from 0.488%.
San Antonio, Texas Savings Rate Forecast, Next 12 Months
Savings rates move with Federal Reserve policy. Our model uses the current TX high-yield average and a Fed funds spread to project the likely rate trajectory for 2026 to 2027.
Savings account rates are variable and move in close correlation with the Federal Reserve’s federal funds rate target. Our 12-month forecast is derived from the current TX high-yield savings average of 2.321% APY and a Fed funds spread model calibrated to the historical relationship between policy rate changes and deposit rate adjustments at banks and credit unions.
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit rates at banks and credit unions track policy-rate changes within 60 to 90 days. High-yield online savings rates tend to adjust faster than standard branch-based savings rates.
Important notice: This forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions in San Antonio, Texas.
Savings Account Earnings in San Antonio, Texas
Annual interest earnings at current TX average APYs, based on the high-yield and standard savings averages tracked in our database. Compounding assumed monthly.
| Balance | HY Savings (2.321% APY) | Monthly Earnings | Standard Savings (0.484% APY) | Monthly Earnings |
|---|---|---|---|---|
| $5,000 | $116.05 / year | $9.67 | $24.19 / year | $2.02 |
| $10,000 | $232.10 / year | $19.34 | $48.39 / year | $4.03 |
| $25,000 | $580.25 / year | $48.35 | $120.98 / year | $10.08 |
| $50,000 | $1,160.50 / year | $96.71 | $241.95 / year | $20.16 |
| Earnings estimates use daily compounding. Actual earnings depend on exact rate, compounding frequency, and daily balance maintained. Rates are variable and subject to change. Source: San Antonio, Texas savings rate averages as of October 14, 2026. | ||||
About Our San Antonio, Texas Savings Rate Database
MonitorBankRates found 16 institutions with branches in San Antonio (7 banks, 9 credit unions). Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.
Current top rate: UNIFY Financial Federal Credit Union offers a savings account at 5.00% APY. Use the rate table above to compare all current offers in San Antonio, Texas.
How to Find the Best Savings Rates in San Antonio, Texas
What to compare when shopping for a savings account in San Antonio, Texas
To find the best savings APYs in San Antonio, Texas, start with credit unions and online-only banks: San Antonio, Texas has 9 credit unions in our database, and they consistently offer some of the highest yields because they are member-owned nonprofits with lower overhead than traditional banks.
Always compare the APY (Annual Percentage Yield), not just the interest rate. APY reflects compounding and is the true measure of what you’ll earn. Savings accounts that compound daily earn slightly more than those compounding monthly at the same stated rate. The current TX high-yield savings average is 2.321% but top local institutions are offering as high as 5.00%, so shopping around pays off.
Unlike a CD, savings account rates are variable. Your rate can change at any time with Federal Reserve policy. Many institutions offer elevated introductory rates that reset after a promotional period. Review your account periodically to ensure your APY remains competitive.
When a High-Yield Savings Account Makes Sense
- Emergency fund: Financial experts recommend 3 to 6 months of expenses in a liquid, FDIC-insured account. San Antonio, Texas high-yield savings rates currently average 2.321% APY, far above a typical checking account.
- Short-term savings goals (6 to 24 months): If you may need the money soon, a savings account gives you immediate access without early withdrawal penalties.
- Parking cash between investments: A high-yield savings account at San Antonio, Texas institutions keeps idle cash working harder while remaining fully accessible.
- You prefer banking locally: 16 institutions in San Antonio, Texas report savings rates to our database.
- No rate lock-in risk: Unlike a CD, your rate moves up with the market if rates rise further.
Consider an Alternative If…
- You want a locked-in, guaranteed return San Antonio, Texas CD rates
- You want check-writing flexibility San Antonio, Texas money market rates
- You need daily transaction access San Antonio, Texas checking rates
San Antonio, Texas Financial Snapshot
Local demographics and economic context for savers. Source: U.S. Census Bureau
13.4% of residents are 65 or older, below the national average of 17.3%. At today’s TX high-yield savings average of 2.321%, saving 10% of the local median salary ($3,666/year) would earn an additional $85 annually in interest.
Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.
Savings Accounts vs. Other San Antonio, Texas Options
How high-yield savings accounts compare to other deposit products available at banks and credit unions in San Antonio, Texas.
| Feature | High-Yield Savings | Standard Savings | Money Market | CD (12-Month) |
|---|---|---|---|---|
| Current TX Avg APY | 2.321% | 0.484% | View MMA Rates | View CD Rates |
| Rate Type | Variable | Variable | Variable | Fixed for term |
| FDIC / NCUA Insured | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K | ✓ Up to $250K |
| Withdraw Anytime | ✓ Yes | ✓ Yes | ✓ Yes | ✗ Penalty applies |
| Check Writing | ✗ No | ✗ No | ✓ Often yes | ✗ No |
| Debit / ATM Card | Some institutions | ✗ Rarely | ✓ Often yes | ✗ No |
| Typical Min Deposit | $0 to $100 | $25 to $100 | $0 to $2,500 | $500 to $1,000 |
| Rate Risk | Variable, moves with Fed policy | Variable, moves with Fed policy | Variable, moves with Fed policy | None, locked for term |
| Best For | Emergency fund, short-term goals, parking cash | Everyday saving, low-balance accounts | Active savers wanting flexibility + check writing | Locking in a rate for a defined period |
APY data reflects San Antonio, Texas averages tracked in our database as of October 14, 2026. Rates are variable and may differ by institution. See individual product pages for full details.
Savings Calculators for San Antonio, Texas
At TX’s top rate of 5.00% from UNIFY Financial Federal Credit Union, a $10,000 deposit earns $500 annually. Enter your balance to see your exact return.
Savings Goal CalculatorA 3-month emergency fund for the median San Antonio, Texas earner is roughly $9,200. At 2.321% APY, saving $760/month gets you there in about 12 months. Set your target and see your exact timeline.
CD vs. High-Yield SavingsTexas’s high-yield savings average is 2.321% APY, variable and always accessible. A local CD may offer a higher fixed yield in exchange for locking in your deposit. Compare both side-by-side to find the better fit for your timeline.
Budget CalculatorBefore you can grow your savings, you need to know how much you can set aside each month. The median San Antonio, Texas earner makes $36,669/year. Track your income vs. expenses to find your monthly surplus, then put it to work at 2.321% APY.
Retirement PlannerA $25,000 high-yield savings balance earning 2.321% APY grows to roughly $39,558 over 20 years with compounding. See how your current savings trajectory lines up with your retirement income needs.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our San Antonio, Texas savings rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Savings Rate Data: We aggregate savings account rates for San Antonio, 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 San Antonio, 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 San Antonio, Texas
What is a High-Yield Savings Account (HYSA)?
Are savings accounts in San Antonio, Texas safe?
How often do savings rates change in San Antonio, Texas?
Do I need a minimum deposit to open a savings account?
What is the difference between a Savings Account and a Money Market Account?
Are online banks better than local banks in San Antonio, Texas?
How do I open a savings account in San Antonio, Texas?
Best Savings Rates in San Antonio, Texas
- UNIFY Financial Federal Credit Union
High Interest Savings: 5.00% APY - HEB Federal Credit Union
Variable IRA Share Account: 4.12% APY - Vio Bank
Online Savings Account: 4.01% APY - Frost Bank
Business Savings: 4.00% APY - Nizari Progressive Federal Credit Union
Nizari Savings Plus: 4.00% APY
San Antonio, Texas Rates & Resources
