Highest Money Market Rates in Texas
62 Texas-specific accounts
Top Texas Rate:4.25% APYFDIC or NCUA Insured
The Texas market
Texas accounts
62
Institutions
50
Top Texas APY
4.25% APY
Nationally: 4.00% APY
FDIC national average
0.63%
As of Sep 2026
62 money market accounts are open only to Texas residents, from 50 institutions. The highest advertised APY among them is 4.25%.
The highest nationally available rate is 4.00% APY, 25 basis points below the Texas leader.
48 of the 62 Texas money market accounts advertise more than the FDIC national average of 0.63% for money market accounts as of Sep 2026.
Texas-Specific Money Market Accounts
Money market accounts specifically available to Texas residents.
| Institution | Product / Term | APY |
|---|---|---|
| Texana Bank, National Association | Premier Money Market | 4.25% |
| Southwest Heritage Bank | Personal PremiumPlus Money Marketneeds at least $3,000,000 | 3.75% |
| UMB Bank, National Association | UMB Retail Money Marketneeds at least $10,000 | 3.71% |
| First Mid Bank & Trust, National Association | Jumbo Money Marketneeds at least $250,000 | 3.70% |
| Lone Star Bank | Personal Money Marketneeds at least $250,000 | Up to3.56% |
| BankUnited, National Association | Promotional Money Market Account | 3.50% |
| The City National Bank of Taylor | Premier Money Marketneeds at least $250,000 | 3.50% |
| The MINT National Bank | MonuMINT Emerald MMAneeds at least $250,000 | Up to3.35% |
| American State Bank | Pinnacle Money Market Accountneeds at least $250,000 | Up to3.25% |
| PlainsCapital Bank | Personal Money Marketneeds at least $7,500,000 | Up to3.18% |
| Amarillo National Bank | Personal Money Marketneeds at least $1,000,000 | Up to3.15% |
| Trinity Bank, N.A. | Trinity Personal Money Market Accountneeds at least $2,000,000 | Up to3.09% |
| Armed Forces Bank, National Association | Premier Money Marketneeds at least $250,000 · promotional rate | Up to3.05% |
| Jefferson Bank | Money Market Accountneeds at least $20,000,000 | Up to3.05% |
| Southside Bank | Platinum Advantage Investment Accountneeds at least $5,000,000 | Up to3.04% |
| VeraBank, National Association | Platinum Money Marketneeds at least $15,000,000 | Up to3.04% |
| Spring Hill State Bank | Money Market Tier Accountneeds at least $2,000,000 | Up to2.84% |
| First Liberty Bank | Platinum Money Marketneeds at least $1,000,000 | Up to2.80% |
| Great Southern Bank | Money Market Plus | 2.78% |
| BMO Bank | Growth Money Marketrelationship rate from $250,000 · 0.05% to 2.24% without the relationship | Up to2.76% |
| Gateway First Bank | Gateway Money Marketneeds at least $25,000 | Up to2.50% |
| The MINT National Bank | MonuMINT MMA | 2.35% |
| First National Bank in Port Lavaca | Money Market Accountneeds at least $1,000,000.01 | Up to2.05% |
| Texas Exchange Bank | Personal & Business Money Marketneeds at least $2,500 | 2.04% |
| Texas Exchange Bank | Personal & Business Premium Money Marketneeds at least $2,500 | 2.04% |
| First National Bank of Hereford | Money Marketneeds at least $50,000 | Up to2.02% |
| The First State Bank | Tiered Money Marketneeds at least $100,000 | Up to2.02% |
| The Perryton National Bank | Insured Money Market Accountneeds at least $250,000 | Up to2.02% |
| Texas Bank | Advantage Money Marketneeds at least $10,000 | 2.01% |
| First United Bank | Performance Money Marketneeds at least $500,000 | 2.00% |
| WaFd Bank | High Yield Money Marketneeds at least $500,000 | Up to2.00% |
| Capital Bank | Investors' Choice Money Marketneeds at least $250,000 | 1.96% |
| First Commercial Bank, National Association | Money Marketneeds at least $1,000,000 | Up to1.76% |
| Pinnacle Bank | PinnCheck Marketneeds at least $1,000,000 | Up to1.66% |
| Citizens National Bank | Premier Money Market Accountneeds at least $150,000 | Up to1.65% |
| Interstate Bank | Money Market Account | 1.46% |
| Panhandle First Bank | Money Market Accountneeds at least $500,000 | Up to1.41% |
| Capital Bank | Capital Plus Tiered Money Marketneeds at least $100,000 | Up to1.11% |
| Henderson Federal Savings Bank | Money Marketneeds at least $100,000 | Up to1.11% |
| First United Bank | Prosper Money Marketneeds at least $25,000 | Up to1.10% |
| Central Bank | Money Marketneeds at least $500,000 | Up to1.01% |
| Southwest Heritage Bank | Personal Premium Money Marketneeds at least $250,000 | Up to1.01% |
| Texas Heritage National Bank | Money Market Account | 1.00% |
| Farmers State Bank | Money Market Plus Accountneeds at least $500,000.01 | 0.90% |
| Plains State Bank | Money Market Account | 0.85% |
| First United Bank | Prime Money Market | 0.80% |
| Marion State Bank | Money Market Fundneeds at least $25,000 | Up to0.75% |
| First Command Bank | Money Market Savings Accountneeds at least $100,000 | Up to0.70% |
| Round Top State Bank | Money Market Fundneeds at least $100,000 | Up to0.55% |
| Classic Bank, National Association | Money Market Account | 0.50% |
Nationally Available Money Market Accounts
The 8 highest-rate money market accounts available nationwide, including in Texas.
| Institution | Product / Term | APY |
|---|---|---|
| Bank5 Connect | Money Market Account | 4.00% |
| Climate First Bank | Impact Money Market | 3.96% |
| Prime Alliance Bank | Personal Money Market | 3.90% |
| Quontic Bank | Money Market Account | 3.90% |
| Customers Bank | Ascent Money Market Savings Account | 3.63% |
| Sallie Mae Bank | Money Market Account | 3.60% |
| FNBO Direct | Online Money Market Accountneeds at least $500,000 | Up to3.55% |
| U.S. Bank | Elite Money Marketbalances of $25,000 to $9,999,999,999.99 only | Up to3.40% |