GREAT RATES FOR GREATER PLANS
............Earn over than 3x the national average APY¹ with a Money Market built to power your financial plans.
See How We Measure Up
Feel free to dream bigger. With tiered interest and everyday access, your money can work harder while staying within reach. See how we compare to other banks.
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Personal Money Market
Source: S&P Capital IQ as of Dec. 29, 2025
¹ Source: FDIC.gov as of December 15, 2025, based on PlainsCapital Bank’s Money Market Account rate of 2.00% APY.
2 Competitor data shown for balances ≤ $250,000. For PlainsCapital Money Market rates on balances over $250,000, view current rates or contact us.
- Opening deposit: $2,500
- Minimum daily balance: $2,500 min. daily balance required to earn interest and avoid $10 monthly service fee
- Six withdrawals and/or transfers per statement cycle at no charge. Thereafter, a charge of $10 per transaction will apply.
Simple Banking That Makes Sense
Access When You Need It
Your money is accessible via debit card, check, or online/mobile transfer when you need it.
No Hoops or Gimmicks
Your rate isn't conditional on debit card swipes or direct deposit requirements.
FDIC Insured
Your deposits are protected up to the maximum allowable by law, so you have peace of mind.
Why PlainsCapital is Different
- Proven track record of 35+ years providing Texans with straightforward, honest banking solutions
- 7th largest Texas-based bank, with deep roots anchored in serving our communities and maintaining strength and stability our customers can trust
- Dedicated focus on providing all the banking tools you’d expect to find at larger institutions with the hometown, personalized service you deserve
Let's Build Something That Lasts
PlainsCapital Bank is here to support you through your entire financial journey. Apply for a personal money market account today and experience banking built on trust, not gimmicks.