MONEY MARKET
............Earn Higher Interest Rates While Maintaining
Easy Access to Your Money
A PlainsCapital Money Market Account is the perfect choice if you want to earn higher interest rates while maintaining access to withdraw funds.
Your funds are backed by the FDIC to the maximum allowable amount, and can be accessed any time via debit card or check. It all adds up to a safe, convenient, and competitive way to save.
See How We Stack Up—and Why We’re on Top
When rates matter, PlainsCapital Bank delivers. Compare for yourself and see how our money market rates outperform the competition—helping your savings work harder every day.
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Personal Money Market
Balance Tiers | PlainsCapital Bank | Frost Bank | PNC | JPMorgan Chase & Co. |
| $2,500-$4,999 | 1.66% | 1.10% | 0.04% | 0.01% |
| $5,000-$24,999 | 1.71% | 1.10% | 0.04% | 0.01% |
| $25,000-$99,999 | 1.81% | 1.10% | 0.04% | 0.01% |
| $100,000-$499,999 | 1.92% | 1.25% | 0.05% | 0.01% |
| $500,000-$999,999 | 2.12% | 1.42% | 0.05% | 0.01% |
| $1,000,000-$1,999,999 | 2.27% | 2.20% | 0.05% | 0.01% |
| $2,000,000-$4,999,999 | 2.32% | 2.20% | 0.05% | 0.01% |
| $5,000,000-$7,499,999 | 2.68% | 2.35% | 0.05% | 0.01% |
| $7,500,000 and above | 3.07% | 2.35% | 0.05% | 0.01% |
Data provided by S&P Global Market Intelligence as of May 18, 2026.
$2,500 minimum is required to open an account. $2,500 Daily Minimum Balance to obtain annual percentage yield. Fees may reduce earnings. The rate may change after the account is opened.
Account Features
- Safe: PlainsCapital Money Market Accounts are FDIC insured to the maximum amount allowable by law, so your funds are always safe
- Automatic Savings: Direct deposit of your payroll, Social Security, teacher retirement, or other recurring checks available
- Tiered interest rates mean the more you deposit, the higher percentage you’ll earn
- Easy transfers to and from your other PlainsCapital accounts
- Unlimited deposits
- PlainsCapital Debit Mastercard®
- Six withdrawals and/or transfers per statement cycle at no charge. Thereafter, a charge of $10 per transaction will apply
Requirements
- Opening deposit: $2,500
- Minimum daily balance: $2,500 min. daily balance required to earn interest and avoid $10 monthly service fee