PlainsCapital Bank: Savings Accounts, CDs, Money Market & Rates

Updated: 8/19/2026

Mission: Banksparency aims to make PlainsCapital Bank's deposit accounts transparent and comparable to the market.

Interest rates reported as APY

Analysis of PlainsCapital Bank

Our verdict

PlainsCapital Bank offers Personal Money Market, a money market account paying 3.07% APY with a $2,500 minimum deposit. To earn the full 3.07% APY, a minimum balance of $2,500 is required. Below that, the rate drops to as low as 1.66% APY.

At 3.07% APY, PlainsCapital Bank pays 5x the national money market average of 0.63%.

Additional Accounts

Momentum Max Savings Account, a high-yield savings account at 2.00% APY.
LegacyAccess Account, a savings account at 0.25% APY.
Business Interest Account, a business savings account at 0.25% APY.

Ideal User Profile

Best for: simple saving without extra requirements.

CD Analysis

PlainsCapital Bank also offers CDs paying up to 3.19% APY on its 3 months term, across 9 term lengths.

Tracking 23 active CD products, useful for locking in today's rate before further moves at the Fed.

Best CD use: locking in 3.19% APY for a 3 months term and laddering across multiple maturities.

Important Considerations

Business Interest Account is a business savings account. Available to business customers.

No app ratings available for this bank.

iOS app rating is not available.

Android app rating is not available.

Deposit Accounts Overview

Momentum Max Savings Account

Savings

2.00% APY

No Minimums Branch Access

Rank #141 of 337 tracked.

Business Interest Account

Savings

0.25% APY

Min: $100 Branch Access

Rank #210 of 337 tracked.

LegacyAccess Account

Savings

0.25% APY

Min: $100 Branch Access

Rank #211 of 337 tracked.

Personal Money Market

Money Market

3.07% APY

Tiered Range: 1.66% - 3.07%

Min: $2,500 Branch Access

Market Reality Check

This institution offers rates below the top 10 savings and money market accounts we track. Those institutions all pay at least 4.01% APY.

See Top Rates

National Avg: 0.38% (FDIC, 8/1/2026).
Banksparency tracks live rates daily.

Bank Overview

HQ LocationUniversity Park, TX
Deposit InsuranceFDIC Insured(Cert: 17491)

Visit Official Website

Featured Offers

Axos ONE - High Yield Savings & Checking

Over 95,000 fee-free ATMs
Get paid up to 2 days early with Direct Deposit
One convenient app for spending & saving

FDIC Insured

Savings4.21%APY

Checking0.51%APY

Go to Axos Bank

FDIC or NCUA insured

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	0
Min. Balance in Savings Account	0
How to qualify for APY	OPTION ADirect Deposit $1,500+ AND Maintain $1,500+ avg daily checking balance. OR OPTION BDeposit $5,000+ total/mo AND Maintain $5,000+ avg daily checking balance.
Mobile Ratings	iOS:4.7 Android:4.5

The APY is available with the Axos ONE savings and checking bundle. The checking account also earns interest. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000.

EASY TRANSFERS, LOW MINIMUMS

SponsoredVerified Aug 19, 2026

FDIC Insured

Quontic High Yield Savings

Apply in 3 minutes or less
No monthly service fees
Transfer with Zelle, Apple Pay, G-Pay, and more

FDIC Insured

Savings3.20%APY

Go to Quontic Bank

FDIC or NCUA insured

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	10000
Min. Balance in Savings Account	0
Mobile Ratings	iOS:4.8 Android:4.9

Deposit Accounts: In-Depth View

Savings Accounts Offered by PlainsCapital Bank

Feature	Momentum Max Savings Account	LegacyAccess Account	Business Interest Account
APY	2.00%Verified: 8/19/2026	0.25%Verified: 8/19/2026	0.25%Verified: 8/19/2026
APY Trend	N/A	N/A	N/A
Min. Deposit	N/A	$100	$100
Min. Balance	$100	N/A	$5,000
Monthly Fee	N/A	N/A	N/A
Direct Deposit	None	None	None
Checking Bundle	No	No	No
In-Branch Access	Yes	Yes	Yes
Compounding	N/A	N/A	N/A
FDIC Insured	Yes	Yes	Yes
Eligibility	United States	United States	United States
Next Steps	-	-	-

Interactive Tool

Calculate Savings for PlainsCapital Bank

All calculations are based on APY.

Choose savings account

Initial deposit

Recurring deposit

Frequency

Duration

Savings Breakdown

Interest Earned
+$764.20(5.2%)
Total Contributions
$13,000
Initial Deposit
$1,000

Projected Balance

$14,764.20

Effective APY

2.00%

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

PlainsCapital Bank Deposit Rates Over Time

No historical data available.

Compare with PlainsCapital Bank

Feature	Current View PlainsCapital Bank	Empty Slot
Product		-
APY	2.00%Verified: 8/19/2026	-
APY Trend	N/A	-
Min. Deposit	N/A	N/A
Monthly Fee	N/A	-
Direct Deposit	No	-
Checking Bundle	No	-
In-Branch Access	Yes	-
Eligibility	United States	-
Compounding	N/A	-
FDIC or NCUA Insured	Yes	-
Next Steps	-	-

CD Overview

3.19% Highest APY

Across 23 CD products with terms: 24 months, 6 months, 3 months, 2 months, 1 months, 60 months, 48 months, 36 months, 12 months

CD Products Offered by PlainsCapital Bank

Feature	30 Day CD 1 months	Business 30 Day CD 1 months	60 Day CD 2 months	Business 60 Day CD 2 months	90 Day CD 3 months	Business 90 Day CD 3 months	180 Day CD 6 months	Business 180 Day CD 6 months	Business 1 Year CD 12 months	1 Year IRA 12 months	1 Year CD 12 months	2 Year CD 24 months	Business 2 Year CD 24 months	2 Year IRA 24 months	Business 3 Year CD 36 months	3 Year IRA 36 months	3 Year CD 36 months	Business 4 Year CD 48 months	4 Year IRA 48 months	4 Year CD 48 months	Business 5 Year CD 60 months	5 Year IRA 60 months	5 Year CD 60 months
APY	2.02%Verified: 8/19/2026	2.02%Verified: 8/19/2026	2.78%Verified: 8/19/2026	2.78%Verified: 8/19/2026	3.19%Verified: 8/19/2026	3.19%Verified: 8/19/2026	3.07%Verified: 8/19/2026	3.07%Verified: 8/19/2026	2.98%Verified: 8/19/2026	2.98%Verified: 8/19/2026	2.98%Verified: 8/19/2026	2.83%Verified: 8/19/2026	2.83%Verified: 8/19/2026	2.83%Verified: 8/19/2026	2.78%Verified: 8/19/2026	2.78%Verified: 8/19/2026	2.78%Verified: 8/19/2026	2.67%Verified: 8/19/2026	2.67%Verified: 8/19/2026	2.67%Verified: 8/19/2026	2.62%Verified: 8/19/2026	2.62%Verified: 8/19/2026	2.62%Verified: 8/19/2026
Term	1 months	1 months	2 months	2 months	3 months	3 months	6 months	6 months	12 months	12 months	12 months	24 months	24 months	24 months	36 months	36 months	36 months	48 months	48 months	48 months	60 months	60 months	60 months
Min. Deposit	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$1,000	$100	$1,000	$1,000	$1,000	$100	$1,000	$100	$1,000	$1,000	$100	$1,000	$1,000	$100	$1,000
Early Withdrawal	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FDIC Insured	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes	Yes

PlainsCapital Bank CD Rates Over Time

Not enough rate history to show a chart. We have CD rates for this bank from one day only. The chart shows when we collect more data.

Money Market Accounts Offered by PlainsCapital Bank

Feature	Personal Money Market
APY	3.07%Range: 1.66% - 3.07%Verified: 8/19/2026
Min. Deposit	$2,500
Min. Balance	$2,500
Monthly Fee	N/A
Direct Deposit	None
In-Branch Access	Yes
Compounding	N/A
FDIC Insured	Yes
Eligibility	United States

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Minimum Deposit: $5

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Minimum Deposit: $100

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Minimum Deposit: $500

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