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Texas Savings Rate Trends

Sugar Land, Texas (TX) Savings Rates - March 2026

The best savings rates for Sugar Land, Texas and the surrounding area include Nizari Progressive Federal Credit UnionNizari Progressive Federal Credit Union14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678A+5.0 ★Texas Ratio: 2.18% Youth Savings Account at 3.66% APY, PNC BankPNC Bank2520 Highway 6, Sugar Land, TX 77478A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, Capital One BankCapital One Bank2353 Town Center Dr, Sugar Land, TX 77478A5.0 ★Texas Ratio: 10.41% 360 Performance Savings at 3.20% APY, American First National BankAmerican First National Bank3412 Highway 6 Ste J, Sugar Land, TX 77478A5.0 ★Texas Ratio: 6.60% VIP savings account at 3.00% APY, and The Huntington National BankThe Huntington National Bank4660 Sweetwater Boulevard, Sugar Land, TX 77479A+5.0 ★Texas Ratio: 4.60% High-Yield Savings at 2.98% APY. Savings rates as of March 27, 2026 according to verified data from MonitorBankRates.

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

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

Compare the Best Savings Rates in Sugar Land, Texas & Surrounding Communities

Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Youth Savings Account
3.66%
$0
Rate3.60%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Nizari Diamond Savings
3.61%
$0
Rate3.55%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Nizari Diamond Savings
3.56%
$0
Rate3.50%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Nizari Diamond Savings
3.51%
$0
Rate3.45%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Nizari Diamond Savings
3.45%
$0
Rate3.40%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
2520 Highway 6, Sugar Land, TX 77478
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%
2353 Town Center Dr, Sugar Land, TX 77478
360 Performance Savings
3.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

American First National Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.60%
3412 Highway 6 Ste J, Sugar Land, TX 77478
VIP savings account
3.00%
$10,000
Rate0.00%
Min Deposit$10,000
Min Balance
UpdatedMar 24, 2026
Details

guaranteed through June 30, 2026

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Nizari Savings Plus
2.99%
$0
Rate2.95%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
4660 Sweetwater Boulevard, Sugar Land, TX 77479
High-Yield Savings
2.98%
$5,000
Rate0.00%
Min Deposit$5,000
Min Balance
UpdatedMar 20, 2026
Details

Minimum of $5,000 not currently deposited at Huntington.

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Nizari Savings Plus
2.89%
$0
Rate2.85%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
9810 Highway 90A, Sugar Land, TX 77478 3124
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%
620 Highway 6, Sugar Land, TX 77478
Savings Money Market
1.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX 77479 4097
IRA Share
1.45%
$0
Rate1.44%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
620 Highway 6, Sugar Land, TX 77478
Savings Money Market
1.40%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Nizari Savings Plus
1.36%
$0
Rate1.35%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Nizari Savings Plus
1.31%
$0
Rate1.30%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Nizari Savings Plus
1.26%
$0
Rate1.25%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
9810 Highway 90A, Sugar Land, TX 77478 3124
IRA (Savings)
1.25%
$0
Rate1.25%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX 77479 4097
IRA Share
1.20%
$0
Rate1.19%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.55%
16320 Kensington Dr, Sugar Land, TX 77479 4097
Health Savings Account
1.20%
$0
Rate1.19%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
620 Highway 6, Sugar Land, TX 77478
Savings Money Market
1.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Youth Savings Account
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
9810 Highway 90A, Sugar Land, TX 77478 3124
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%
620 Highway 6, Sugar Land, TX 77478
Savings Money Market
1.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
620 Highway 6, Sugar Land, TX 77478
Savings Money Market
0.90%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Nizari College Savings
0.80%
$0
Rate0.80%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Nizari College Savings
0.75%
$0
Rate0.75%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
5079 Sweetwater Blvd, Sugar Land, TX 77479
TotalView Money Market Savings
0.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
9810 Highway 90A, Sugar Land, TX 77478 3124
IRA (Savings)
0.75%
$0
Rate0.75%
Min Deposit$0
Min Balance
UpdatedMar 21, 2026
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
620 Highway 6, Sugar Land, TX 77478
Savings Money Market
0.70%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
5079 Sweetwater Blvd, Sugar Land, TX 77479
TotalView Money Market Savings
0.60%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
13533 University Boulevard, Sugar Land, TX 77479
Coverdell ESA Savings Account Rate
0.60%
$25
Rate0.59%
Min Deposit$25
Min Balance
UpdatedMar 26, 2026
Details

First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
13533 University Boulevard, Sugar Land, TX 77479
IRA Savings Account Rate
0.60%
$0
Rate0.59%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Smart Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.10%
9810 Highway 90A, Sugar Land, TX 77478 3124
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%
9810 Highway 90A, Sugar Land, TX 77478 3124
IRA (Savings)
0.50%
$100
Rate0.50%
Min Deposit$100
Min Balance
UpdatedMar 21, 2026
Details

$100 or $50 w/ payroll deduction-Direct Deposit

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
5079 Sweetwater Blvd, Sugar Land, TX 77479
TotalView Money Market Savings
0.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Business Savings
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Regular Shares
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

Nizari Progressive Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.18%
14090 Southwest Fwy Ste 260, Sugar Land, TX 77478 3678
Special Shares
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMar 20, 2026
Details

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
3400 Highway 6, Sugar Land, TX 77478 4408
Savings
0.30%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 23, 2026
Details

First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
13533 University Boulevard, Sugar Land, TX 77479
Coverdell ESA Savings Account Rate
0.30%
$25
Rate0.30%
Min Deposit$25
Min Balance
UpdatedMar 26, 2026
Details

First Service Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.02%
13533 University Boulevard, Sugar Land, TX 77479
Holiday Club Savings Account Rate
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Capital Bank TX
Institution Rating:
A+5.0 ★Texas Ratio: 2.72%
1914 Wescott Avenue Suite 100, Sugar Land, TX 77479
Savings Account
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
5079 Sweetwater Blvd, Sugar Land, TX 77479
Traditional Savings
0.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
15245 Southwest Fwy, Sugar Land, TX 77478
Youth Savings
0.25%
$5
Rate0.00%
Min Deposit$5
Min Balance
UpdatedMar 25, 2026
Details

$5 opening deposit required

FSB Louise, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
200 Century Square Blvd, Sugar Land, TX 77478
Savings
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

FSB Louise, TX
Institution Rating:
A+5.0 ★Texas Ratio: 0.08%
200 Century Square Blvd, Sugar Land, TX 77478
UTMA Savings
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
5079 Sweetwater Blvd, Sugar Land, TX 77479
Money Market Savings
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Independent Bank Mckinney, TX
Institution Rating:
A+5.0 ★Texas Ratio: 2.30%
19855 Southwest Fwy Ste 100, Sugar Land, TX 77479
Business Savings
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMar 27, 2026
Details

BOK Financial
Institution Rating:
A+5.0 ★Texas Ratio: 3.85%
15245 Southwest Fwy, Sugar Land, TX 77478
Personal Savings
0.10%
$50
Rate0.00%
Min Deposit$50
Min Balance
UpdatedMar 25, 2026
Details

$50 opening deposit required

First Horizon
Institution Rating:
A+5.0 ★Texas Ratio: 5.08%
5079 Sweetwater Blvd, Sugar Land, TX 77479
Money Market Savings
0.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Frost Bank
Institution Rating:
A+5.0 ★Texas Ratio: 2.87%
620 Highway 6, Sugar Land, TX 77478
Savings Account
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

Qualifying balance up to $14,999.99

Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
1000 Eldridge Rd, Sugar Land, TX 77478
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%
1000 Eldridge Rd, Sugar Land, TX 77478
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%
2520 Highway 6, Sugar Land, TX 77478
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%
1000 Eldridge Rd, Sugar Land, TX 77478
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%
2520 Highway 6, Sugar Land, TX 77478
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%
1000 Eldridge Rd, Sugar Land, TX 77478
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%
1000 Eldridge Rd, Sugar Land, TX 77478
Way2Save® Savings
0.01%
$25
Rate0.01%
Min Deposit$25
Min Balance
UpdatedMar 22, 2026
Details

$25 minimum opening deposit

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.

Sugar Land, TX Savings Rate Trends

Compare local Sugar Land, 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%
▼ 0.287 from last week

Texas standard savings rates fell 0.287 points this week to 0.548% APY, down from 0.835% last week.

As of Mar 27, 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 Sugar Land, 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 Sugar Land, 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 Sugar Land, 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 Sugar Land, 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 Sugar Land, 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 Sugar Land, 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 Sugar Land, Texas?

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

How do I open a savings account in Sugar Land, 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 Sugar Land, Texas

Here are recent savings rates observed in Sugar Land, Texas and the surrounding area:
  • Nizari Progressive Federal Credit Union
    Youth Savings Account — 3.66% APY
  • PNC Bank
    PNC High Yield Savings® — 3.25% APY
  • Capital One Bank
    360 Performance Savings — 3.20% APY
  • American First National Bank
    VIP savings account — 3.00% APY
  • The Huntington National Bank
    High-Yield Savings — 2.98% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Sugar Land, Texas. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 27, 2026