Texas Savings Rate Trends
Track current and weekly average savings account APYs across all products in Texas, view interactive rate trend charts, and compare TX APYs against the national average.
Current Texas Savings Rate Trends
High-Yield Savings APYs in Texas fell by -0.038 this week, bringing the current average APY down to 3.003%. Savers are seeing slightly reduced yields compared to last week, when the average stood at 3.041%.
At 3.003%, Texas's High-Yield Savings APY sits +0.976 above the current national average of 2.026%. This above-average spread may reflect more competitive deposit offerings from local banks and credit unions in TX.
The Standard Savings APY in Texas currently averages 0.626%, compared to 0.699% last week. Savers weighing account type should note that standard savings APYs are typically lower than high-yield offerings but may come with fewer balance requirements or restrictions.
The Texas savings account rate averages displayed on this page are calculated from 1,392 verified savings rate quotes collected across 288 banks and credit unions actively operating in Texas. Our proprietary systems collect and verify deposit rates daily — tracking what real licensed institutions are actually offering to depositors, not promotional teaser rates.
Unlike comparison sites that show only a handful of institutions, MonitorBankRates maintains a continuously updated savings account rate database spanning community banks, regional lenders, national institutions, and credit unions across Texas. This scale allows us to calculate averages that reflect the full deposit landscape — not just the most aggressive advertisers — giving savers, journalists, and financial professionals a more accurate benchmark for what APYs actually look like in TX.
Data reflects average APYs offered by licensed institutions operating in TX. Last Updated: April 16, 2026
Texas Savings Rate Trends
Weekly average APYs across all savings products. Hover over the chart to see exact APYs for each week.
Texas savings rate averages compiled from 1,392 current savings rates across 288 banks and credit unions operating in TX — updated daily.
As of Apr 16, 2026 • Data provided by MonitorBankRates.com
For Media, Researchers & Real Estate Professionals
Journalists covering Texas financial markets, personal finance professionals advising clients on deposit strategy, and academic researchers studying regional banking patterns are welcome to cite and reference this data. All historical TX savings rate data is free to use for editorial, research, and educational purposes.
Please attribute MonitorBankRates.com when referencing our figures in any publication, article, or report — and optionally link to https://monitorbankrates.com/savings-account-rates/texas/trends. For custom data pulls, contact us here.
