Highest Business Savings Account Rates in Texas
10 Texas-specific products
The Texas market
Texas accounts
10
Institutions
10
Top Texas APY
2.07% APY
Nationally: 3.90% APY
FDIC national average
0.37%
As of Sep 2026
10 business savings accounts are open only to Texas residents, from 10 institutions. The highest advertised APY among them is 2.07%.
The highest nationally available rate is 3.90% APY, 183 basis points above the Texas leader.
5 of the 10 Texas business savings accounts advertise more than the FDIC national average of 0.37% for savings accounts as of Sep 2026.
Texas-Specific Business Savings Accounts
Business Savings accounts specifically available to Texas residents.
| # | Institution & Rate | Earned in a year at $10,000 | Requirements & Features | Minimum Deposit | Actions |
|---|---|---|---|---|---|
| #1 | Show Details | +$207per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $200 | |
| #2 | Show Details | +$101per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #3 | Show Details | +$100per year | We could not confirm: minimum deposit. Deposit Insurance FDIC InsuredFeatures No MinimumsIn-Person Access | N/A | |
| #4 | Show Details | +$75per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #5 | Southside Bank Business Savings Account Up to1.41%APY Needs at least $250,000 No min. balance for APY Observed: Oct 13, 2026 Show Details | +$40per yearEffective: 0.40% | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $50 | |
| #6 | Show Details | +$25per year | Deposit Insurance FDIC InsuredRequires Mod. Minimum Features In-Person Access | $100 | |
| #7 | Show Details | +$20per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $200 | |
| #8 | Show Details | +$5per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $100 | |
| #9 | Show Details | +$3per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsIn-Person Access | $25 | |
| #10 | Show Details | +$1per year | Deposit Insurance FDIC InsuredFeatures Low MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | $100 |
NBT Financial Bank
Savings Commercial
What to Watch
A $6 service charge applies each quarter when the balance falls below $200. A $2 fee applies to each withdrawal beyond three per calendar quarter.
Show Fine Print & Trends Hide Details
| Min. Deposit | $200 |
| Min. Balance | N/A |
| Maintenance Fee | $6.00/Quarter if minimum balance is not maintained |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 21329) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Panhandle First Bank
Business Savings
What to Watch
Limited to 4 withdrawals per month; excess withdrawals carry a fee.
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| Min. Deposit | $100 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 22340) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Texas Capital Bank
Edge Business Savings
We could not confirm: minimum deposit.
Show Fine Print & Trends Hide Details
| Min. Deposit | N/A |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | daily |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 34383) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating | B(Not BBB Accredited) |
Rate Stability
Texas Heritage National Bank
Business Savings
What to Watch
Only one withdrawal a month is free. Each further withdrawal is charged $1.
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| Min. Deposit | $100 |
| Min. Balance | $100 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 3161) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Southside Bank
Business Savings Account
Needs at least $250,000
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| Min. Deposit | $50 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 18297) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
No movement is shown for an “Up to” rate.
PlainsCapital Bank
Business Interest Account
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $5,000 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 17491) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Lone Star Bank
Business Savings
What to Watch
The service charge is assessed each quarter, not each month, and is waived by a $200 average collected balance. Withdrawals above the quarterly limit cost $2.00 each, and deposited items above 25 cost $0.12 each.
Show Fine Print & Trends Hide Details
| Min. Deposit | $200 |
| Min. Balance | $0.01 |
| Maintenance Fee | $6 per Quarter monthly service charge; waived by a $200 average collected balance. |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 58324) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Southwest Heritage Bank
Business Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $100 |
| Maintenance Fee | $0 |
| Compound Freq | N/A |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 29087) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Armed Forces Bank, National Association
Business Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $25 |
| Min. Balance | N/A |
| Maintenance Fee | $0 |
| Compound Freq | quarterly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 4666) |
| Eligibility | United States |
| Mobile Ratings | |
| BBB Rating |
Rate Stability
Bank of America
Business Advantage Savings
Show Fine Print & Trends Hide Details
| Min. Deposit | $100 |
| Min. Balance | $0 |
| Maintenance Fee | $0 |
| Compound Freq | Monthly |
| Direct Deposit | Not required |
| Deposit Insurance | FDIC Insured(Cert: 3510) |
| Eligibility | United States |
| Zelle® | SupportedLimit: $3,500 /dayFounding member; highest limits for established users. |
| Mobile Ratings | |
| BBB Rating | A+(BBB Accredited) |
Rate Stability
Nationally Available Business Savings Accounts
The 8 highest-rate business savings accounts available nationwide, including in Texas.
| Institution | Product / Term | APY |
|---|---|---|
| Prime Alliance Bank | Business Savings Accountneeds at least $200,000 | Up to3.90% |
| Climate First Bank | Super Savings | 3.56% |
| Axos Bank | Business Premium Savings | 3.50% |
| Capital One | Business Savings Account | 3.50% |
| Live Oak Bank | Business Savings | 2.75% |
| TAB Bank | Business Savings | 0.25% |
| Chase Bank | Chase Business Total Savingsneeds a linked account at the bank | 0.01% |
| Chase Bank | Chase Business Premier Savingsneeds a linked account at the bank | 0.01% |