Temple, 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 Temple, Texas and the surrounding area include Extraco Banks National AssociationExtraco Banks National Association3615 S 31st St, Temple, TX 76502A+5.0 ★Texas Ratio: 0.79% First Savings at 5.00% APY, PNC BankPNC Bank1004 Marlandwood Rd, Temple, TX 76502A5.0 ★Texas Ratio: 6.83% PNC High Yield Savings® at 3.25% APY, Pentagon Federal Credit UnionPentagon Federal Credit Union6935 W Adams Ave, Temple, TX 76502A5.0 ★Texas Ratio: 10.64% Premium Online Savings Account at 2.70% APY, Texell Credit UnionTexell Credit Union17 S 1st St, Temple, TX 76501 7603A+5.0 ★Texas Ratio: 3.58% IRA Savings at 1.10% APY, and VeraBankVeraBank3957 Raleigh Dr, Temple, TX 76502A+5.0 ★Texas Ratio: 2.12% Savings Accounts at 0.10% APY. Savings rates as of March 27, 2026 according to verified data from MonitorBankRates.
To see how these savings rates in Temple, 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 Temple, Texas (TX) are continually updated — we recommend checking back frequently.
Savings rates reflect recent market quotes and representative offers available to depositors in Temple, Texas and the surrounding area. Last Updated and Verified: March 27, 2026
Compare the Best Savings Rates in Temple, Texas & Surrounding Communities
Source: Verified Savings Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Extraco Banks National Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
3615 S 31st St, Temple, TX 76502
First Savings
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Qualifying balance up to $5,000.00
PNC Bank
Institution Rating:
A5.0 ★Texas Ratio: 6.83%
1004 Marlandwood Rd, Temple, TX 76502
PNC High Yield Savings®
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Extraco Banks National Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
3615 S 31st St, Temple, TX 76502
Savings Account
3.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Extraco Banks National Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
3615 S 31st St, Temple, TX 76502
Savings Account
2.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
6935 W Adams Ave, Temple, TX 76502
Premium Online Savings Account
2.70%
$0
▼
Rate2.67%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
$5 minimum balance to open
Extraco Banks National Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
3615 S 31st St, Temple, TX 76502
Savings Account
2.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
17 S 1st St, Temple, TX 76501 7603
IRA Savings
1.10%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 21, 2026
Details
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
17 S 1st St, Temple, TX 76501 7603
cha-ching! Savings
1.00%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 21, 2026
Details
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
17 S 1st St, Temple, TX 76501 7603
Thr!ve Savings
1.00%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 21, 2026
Details
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
17 S 1st St, Temple, TX 76501 7603
Dollar Squad Savings
1.00%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 21, 2026
Details
Texell Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
17 S 1st St, Temple, TX 76501 7603
Savings
0.30%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 21, 2026
Details
VeraBank
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
3957 Raleigh Dr, Temple, TX 76502
Savings Accounts
0.10%
$25
▼
Rate0.10%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
6935 W Adams Ave, Temple, TX 76502
Money Market Savings Account
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
$25 minimum balance to open
Scott and White Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
2401 S 31st St, Temple, TX 76508 0001
Special Share
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Scott and White Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
2401 S 31st St, Temple, TX 76508 0001
Share Draft
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Scott and White Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.83%
2401 S 31st St, Temple, TX 76508 0001
Regular Share
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3407 S 31st St, Temple, TX 76502
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%
3407 S 31st St, Temple, TX 76502
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%
1004 Marlandwood Rd, Temple, TX 76502
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%
3407 S 31st St, Temple, TX 76502
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%
1004 Marlandwood Rd, Temple, TX 76502
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%
3407 S 31st St, Temple, TX 76502
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
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
6935 W Adams Ave, Temple, TX 76502
Regular Share Account
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
$5 minimum balance to open
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
6935 W Adams Ave, Temple, TX 76502
Regular Savings
0.01%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 21, 2026
Details
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.64%
6935 W Adams Ave, Temple, TX 76502
IRA Share Account
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
$25 Minimum Balance to Open
Extraco Banks National Association
Institution Rating:
A+5.0 ★Texas Ratio: 0.79%
3615 S 31st St, Temple, TX 76502
Savings Account
0.01%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Wells Fargo
Institution Rating:
A5.0 ★Texas Ratio: 7.44%
3407 S 31st St, Temple, TX 76502
Way2Save® Savings
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMar 22, 2026
Details
$25 minimum opening deposit
Chevron Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.35%
1404 N Lee Trevino Dr, El Paso, TX 79936 6533
MySavings Youth
7.00%
$0
▼
Rate6.77%
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
Together Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.65%
775 Gellhorn Dr, Houston, TX 77029 1416
Accelerate It Savings
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Qualifying balance up to $5,000.00
Allied Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
909 W Sanford St, ARLINGTON, TX 76012 5032
Youth Savings
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Qualifying balance up to $499.99
Texas DPS Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.51%
621 W Saint Johns Ave, Austin, TX 78752 2315
Easy Save Savings
5.00%
$0
▼
Rate4.91%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details
Qualifying balance up to $500.00
Premier America Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.61%
2001 Rankin Rd, Houston, TX 77073 5114
Youth Smart Savings
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Allied Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.81%
909 W Sanford St, ARLINGTON, TX 76012 5032
RoundUp Savings Account
5.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
1021 Central Expy S, allen, TX 75013 2790
Premier Savings
4.50%
$0
▼
Rate4.40%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Chartway Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.26%
9441 FM 1960 Bypass Rd W Ste 100, Humble, TX 77338 4090
Smart Steps Savings
4.50%
$0
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
During the first 6 months after account opening, a promotional APY of 5.00% applies to that portion of the total account balance within the first tier, up to $2,499.99.
Meriwest Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.41%
1021 Central Expy S, allen, TX 75013 2790
Premier Savings for New Members
4.50%
$0
▼
Rate4.40%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Conservation Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.38%
2601 Network Blvd, Frisco, TX 75034
IRA Savings
4.11%
$0
▼
Rate4.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details
Justice Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.17%
1 Justice Park Dr, Houston, TX 77092
FREEDOM DIRECT SAVINGS
4.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 27, 2026
Details
Direct Deposit to a new or existing Justice Federal Checking Account.
Del Rio SP Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.95%
106 N Main St, Del Rio, TX 78840
Youth Savings
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details
Qualifying balance up to $500.00
Community Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
250 FM 2821 Rd W, Huntsville, TX 77320 8422
High Yield Savings (Money Market)
4.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 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 27, 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 27, 2026
Details
Qualifying balance up to $100,000.00
Amplify Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
2800 Esperanza Xing Bldg 2, Austin, TX 78758 3772
Business High-Yield Savings Account
4.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details
Essential Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.36%
1199 Pasadena Blvd, Pasadena, TX 77501
Prosperity Rewards Savings
4.00%
$0
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 23, 2026
Details
Southern Star Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.41%
16035 W Little York Rd, Houston, TX 77084
Regular ShareS
3.82%
$1,000
▼
Rate3.75%
Min Deposit$1,000
Min Balance—
UpdatedMar 21, 2026
Details
Community Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.35%
250 FM 2821 Rd W, Huntsville, TX 77320 8422
High Yield Savings (Money Market)
3.80%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 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
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
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
The Huntington National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 4.60%
7500 San Felipe St, Houston, TX 77063
High-Yield Savings
3.55%
$5,000
▼
Rate0.00%
Min Deposit$5,000
Min Balance—
UpdatedMar 27, 2026
Details
Minimum of $5,000 not currently deposited at Huntington.
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 26, 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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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.
Temple, TX Savings Rate Trends
Compare local Temple, 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
0.805%
▼ 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 Temple, 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 Temple, 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 Temple, 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 Temple, 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 Temple, 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 Temple, 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 Temple, Texas?
Online banks often offer higher APYs because they have lower overhead costs. However, local banks in Temple, Texas offer in-person customer service, which some customers prefer.
How do I open a savings account in Temple, 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 Temple, Texas
Here are recent savings rates observed in Temple, Texas and the surrounding area:
- Extraco Banks National Association
First Savings — 5.00% APY - PNC Bank
PNC High Yield Savings® — 3.25% APY - Pentagon Federal Credit Union
Premium Online Savings Account — 2.70% APY - Texell Credit Union
IRA Savings — 1.10% APY - VeraBank
Savings Accounts — 0.10% APY
Savings Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Temple, Texas. Your final available rate may depend on deposit amount and daily market movements. Last Updated and Verified: March 27, 2026
