Highest Savings Rates in Texas
76 Texas-specific accounts

The stated rate applies to the first $100,000 of the balance. A balance above that earns a lower rate. To earn the stated rate you must also hold a Reward Checking account at the bank and meet its rewards conditions each monthly qualification cycle: at least 10 debit card purchases, at least one direct deposit or ACH credit or ACH payment, and enrolment in eStatements. A balance that does not meet those conditions earns a lower rate.

Eligibility restricted to select states.

A Kasasa Cash or Kasasa Cash Back checking account is required. The reward rate applies in a monthly qualification cycle when the linked checking account has at least 15 debit card purchases post and settle and the owner is enrolled to receive e-statement notices. Otherwise the whole balance earns a lower base rate. Balances over $50,000 earn a lower rate on the portion above $50,000.

Rate applies when the account's monthly qualifications are met. Otherwise the account pays a lower base rate. Qualification is earned through a linked Kasasa Cash or Kasasa Cash Back checking account. The stated APY applies to balances up to $25,000, and the portion above $25,000 earns a lower rate.

Variable rate. The APY can change at any time at the bank's discretion.

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.

One withdrawal is allowed each month. Each further withdrawal costs $3.00. Statements are quarterly, and monthly in a period with electronic transfer activity.

Rate applies when the account's monthly qualifications are met. Otherwise the account pays a lower base rate.

A linked Champion Cash or Champion Cash Back checking account is required. The stated rate applies to balances up to $100,000, and the portion above that earns a lower rate. The rate is earned only in a monthly qualification cycle in which the checking account posts at least 12 debit card purchases and at least one direct deposit or ACH transaction, and is enrolled in eStatements; a cycle without them earns a base rate.

A $1 service fee is charged each quarter unless the account keeps a $30 minimum daily average balance.

Nine withdrawals are free each statement cycle. Each withdrawal above that is charged $1.

Limited to 4 withdrawals per month; excess withdrawals carry a fee. The monthly maintenance fee is waived for primary account holders who are students up to 19 years old.

eStatements are required. A paper statement adds a $5.00 charge each quarter. A $5.00 service charge applies each quarter when the daily balance falls below $100 on any day of the statement cycle.

The advertised rate applies when the monthly qualifications are met in the linked Kasasa checking account. Otherwise the account pays a lower base rate. Variable rate. The rate can change after the account is opened. Fees can reduce earnings.

A $7.50 service charge applies each quarter when the balance falls below $300. Withdrawals beyond 6 per quarter cost $2 each.

Debit items are limited to six per quarter, and the bank charges $3 for each additional debit item. The maintenance fee is charged each quarter, not each month, and applies when the minimum daily balance is not met.

Only one withdrawal a month is free. Each further withdrawal is charged $1.

Rate applies when the monthly qualifications on the paired Extra Edge or Cash Edge checking account are met. Otherwise the account pays a lower base rate. Not offered as a standalone account. The stated APY applies to balances up to $100,000. Balances above that earn a lower rate.

Variable rate. The rate can change at any time. A $7.50 quarterly maintenance fee applies when the balance falls below $200. Up to six withdrawals per quarter are free, and each further withdrawal costs $1.

One withdrawal each month is free. Each additional withdrawal costs $2.

Rate applies when the account's monthly qualifications are met. Balances above $50,000 earn a blended rate.

Three debits a month are free. Each further debit costs $3.

Two withdrawals each month are free. Each further withdrawal in the same month costs $1.00. The account must hold at least $25.00 to stay open, and closing it within 30 days of opening costs $5.00.

The service charge is assessed each quarter, not each month, and is waived when the daily balance stays at or above $10. Withdrawals and transfers are limited to six per quarterly statement cycle, and each one above that costs $1.00.