Best Checking Accounts & Rates in Texas - May 2026
Content reviewed by
Brian McKay
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Brian McKay
Brian McKay
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The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
The best checking rates for Texas include Baxter Credit UnionBaxter Credit Union7034 Alamo Downs Pkwy, San Antonio, TX 78238A5.0 ★Texas Ratio: 7.73% PowerPlusTM Checking Level 2 at 8.00% APY, Evolve Federal Credit UnionEvolve Federal Credit Union8840 Gazelle Dr, El Paso, TX 79925A+5.0 ★Texas Ratio: 0.63% ePriority Checking at 7.23% APY, Public Employees Credit UnionPublic Employees Credit Union306 E 10th St, Austin, TX 78701A+5.0 ★Texas Ratio: 1.12% High Interest Checking at 6.00% APY, DuGood Federal Credit UnionDuGood Federal Credit Union7505 Eastex Fwy Ste B, Beaumont, TX 77708F2.8 ★Texas Ratio: 41.67% Hi-Yield Checking Account at 6.00% APY, and 5Point Credit Union5Point Credit Union3700 Skyline Dr, Nederland, TX 77627 8303A5.0 ★Texas Ratio: 6.33% High-Yield Checking Account at 6.00% APY. Checking account rates as of May 12, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare checking account rates across Texas side-by-side. Texas checking rates currently reach as high as 8.00% APY from Baxter Credit Union at 7034 Alamo Downs Pkwy, San Antonio, TX, 78238. Rates are continually updated — we recommend checking back frequently.
Checking account rates reflect recent market quotes and representative offers available to depositors in Texas. Checking Account Rates Last Updated and Verified: May 12, 2026
Compare Checking Account Rates Today in Texas
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Baxter Credit Union
San Antonio, TX 78238
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
7034 Alamo Downs PkwySan Antonio, TX 78238
PowerPlusTM Checking Level 2
8.00%
$0
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Qualifying balance up to $15000
Evolve Federal Credit Union
El Paso, TX 79925
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
8840 Gazelle DrEl Paso, TX 79925
ePriority Checking
7.23%
$0
▼
Rate7.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Qualifications Required; Qualifying balance up to $10,000.00
Public Employees Credit Union
Austin, TX 78701
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
306 E 10th StAustin, TX 78701
High Interest Checking
6.00%
$0
▼
Rate5.84%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Qualifying balance up to $15,000
DuGood Federal Credit Union
Beaumont, TX 77708
Institution Rating:
F2.8 ★ Texas Ratio: 41.67%
7505 Eastex Fwy Ste BBeaumont, TX 77708
Hi-Yield Checking Account
6.00%
$0
▼
Rate5.84%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Qualifying balance up to $25,000.00
5Point Credit Union
Nederland, TX 77627 8303
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
3700 Skyline DrNederland, TX 77627 8303
High-Yield Checking Account
6.00%
$0
▼
Rate5.83%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Qualifying balance up to $15,000.00
Synergy Federal Credit Union
San Antonio, TX 78249 1616
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
1 Valero WaySan Antonio, TX 78249 1616
Rewards Cash Checking Account
5.12%
$0
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Qualifying balance up to $10,000.00
Mobility Credit Union
Irving, TX 75063 6006
Institution Rating:
A5.0 ★ Texas Ratio: 12.61%
8384 N Belt Line RdIrving, TX 75063 6006
Earn-It Checking
5.12%
$0
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Qualifying balance up to $15,000.00
Austin Telco Federal Credit Union
Austin, TX 78757
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
8929 Shoal Creek BlvdAustin, TX 78757
True Earnings Checking Account
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Qualifying balance up to $15,000.00
Austin Telco Federal Credit Union
Austin, TX 78757
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
8929 Shoal Creek BlvdAustin, TX 78757
True Earnings Checking Account - Anticipated Dividends
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Qualifications Met; Qualifying balance up to $15,000.00
5Point Credit Union
Nederland, TX 77627 8303
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
3700 Skyline DrNederland, TX 77627 8303
High-Yield Checking Account
5.00%
$0
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Qualifying balance up to $1,000.00
FSB Louise, TX
Dilley, TX 78017
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
731 W Leona StDilley, TX 78017
Diamond Rewards Checking
4.07%
$0
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Qualifications Required; Qualifying balance up to $25,000.00
FNB of Hereford
Hereford, TX 79045
Institution Rating:
B+4.7 ★ Texas Ratio: 18.40%
301 W 3rd StHereford, TX 79045
Reward Checking
4.07%
$0
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Qualifying balance up to $25,000.00
Baxter Credit Union
San Antonio, TX 78238
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
7034 Alamo Downs PkwySan Antonio, TX 78238
PowerPlusTM Checking Level 1
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Qualifying balance up to $15000
Amoco Federal Credit Union
Texas City, TX 77590
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
2300 Texas AveTexas City, TX 77590
Advantage Checking
4.00%
$500
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Qualifying balance up to $20,000
UNIFY Financial Federal Credit Union
San Antonio, TX 78264
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
1 Lone Star Pass Bldg 1San Antonio, TX 78264
HY Checking
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
No additional details provided.
Together Credit Union
Houston, TX 77029 1416
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
775 Gellhorn DrHouston, TX 77029 1416
High Interest Checking
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Qualifications Required: Make 15 debit card purchases that post and settle your account; Have one ACH credit or direct deposit post to your account; Be enrolled in eStatements; Qualifying balance up to $25,000.00
CoastLife Credit Union
Corpus Christi, TX 78414
Institution Rating:
A5.0 ★ Texas Ratio: 8.60%
6810 Saratoga BlvdCorpus Christi, TX 78414
Bonus Checking Account
3.56%
$0
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Qualifications Required; Qualifying balance up to $10,000.00
Southwest Heritage Credit Union
Odessa, TX 79762 8125
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
2809 John Ben Shepperd PkwyOdessa, TX 79762 8125
Champion Checking
3.56%
$0
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Qualifications Required; Qualifying balance up to $30,000.00; Interest paid monthly
Texoma Community Credit Union
Wichita Falls, TX 76306
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
3800 Sheppard Access RdWichita Falls, TX 76306
Cashtastic Checking
3.51%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Qualifying balance up to $10,000
Premier America Credit Union
Houston, TX 77073 5114
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin RdHouston, TX 77073 5114
Premier Plus Checking
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
No additional details provided.
Powered by
MonitorBankRates
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Baxter Credit Union
San Antonio, TX 78238
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
7034 Alamo Downs PkwySan Antonio, TX 78238
PowerPlusTM Checking Level 2
8.00%
$0
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Qualifying balance up to $15000
Evolve Federal Credit Union
El Paso, TX 79925
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
8840 Gazelle DrEl Paso, TX 79925
ePriority Checking
7.23%
$0
▼
Rate7.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Qualifications Required; Qualifying balance up to $10,000.00
5Point Credit Union
Nederland, TX 77627 8303
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
3700 Skyline DrNederland, TX 77627 8303
High-Yield Checking Account
6.00%
$0
▼
Rate5.83%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Qualifying balance up to $15,000.00
DuGood Federal Credit Union
Beaumont, TX 77708
Institution Rating:
F2.8 ★ Texas Ratio: 41.67%
7505 Eastex Fwy Ste BBeaumont, TX 77708
Hi-Yield Checking Account
6.00%
$0
▼
Rate5.84%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Qualifying balance up to $25,000.00
Public Employees Credit Union
Austin, TX 78701
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
306 E 10th StAustin, TX 78701
High Interest Checking
6.00%
$0
▼
Rate5.84%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Qualifying balance up to $15,000
Mobility Credit Union
Irving, TX 75063 6006
Institution Rating:
A5.0 ★ Texas Ratio: 12.61%
8384 N Belt Line RdIrving, TX 75063 6006
Earn-It Checking
5.12%
$0
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Qualifying balance up to $15,000.00
Synergy Federal Credit Union
San Antonio, TX 78249 1616
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
1 Valero WaySan Antonio, TX 78249 1616
Rewards Cash Checking Account
5.12%
$0
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Qualifying balance up to $10,000.00
5Point Credit Union
Nederland, TX 77627 8303
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
3700 Skyline DrNederland, TX 77627 8303
High-Yield Checking Account
5.00%
$0
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Qualifying balance up to $1,000.00
Austin Telco Federal Credit Union
Austin, TX 78757
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
8929 Shoal Creek BlvdAustin, TX 78757
True Earnings Checking Account
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Qualifying balance up to $15,000.00
Austin Telco Federal Credit Union
Austin, TX 78757
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
8929 Shoal Creek BlvdAustin, TX 78757
True Earnings Checking Account - Anticipated Dividends
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Qualifications Met; Qualifying balance up to $15,000.00
FSB Louise, TX
Dilley, TX 78017
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
731 W Leona StDilley, TX 78017
Diamond Rewards Checking
4.07%
$0
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Qualifications Required; Qualifying balance up to $25,000.00
FNB of Hereford
Hereford, TX 79045
Institution Rating:
B+4.7 ★ Texas Ratio: 18.40%
301 W 3rd StHereford, TX 79045
Reward Checking
4.07%
$0
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Qualifying balance up to $25,000.00
Baxter Credit Union
San Antonio, TX 78238
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
7034 Alamo Downs PkwySan Antonio, TX 78238
PowerPlusTM Checking Level 1
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Qualifying balance up to $15000
Together Credit Union
Houston, TX 77029 1416
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
775 Gellhorn DrHouston, TX 77029 1416
High Interest Checking
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Qualifications Required: Make 15 debit card purchases that post and settle your account; Have one ACH credit or direct deposit post to your account; Be enrolled in eStatements; Qualifying balance up to $25,000.00
UNIFY Financial Federal Credit Union
San Antonio, TX 78264
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
1 Lone Star Pass Bldg 1San Antonio, TX 78264
HY Checking
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
No additional details provided.
Amoco Federal Credit Union
Texas City, TX 77590
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
2300 Texas AveTexas City, TX 77590
Advantage Checking
4.00%
$500
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details
Qualifying balance up to $20,000
CoastLife Credit Union
Corpus Christi, TX 78414
Institution Rating:
A5.0 ★ Texas Ratio: 8.60%
6810 Saratoga BlvdCorpus Christi, TX 78414
Bonus Checking Account
3.56%
$0
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Qualifications Required; Qualifying balance up to $10,000.00
Southwest Heritage Credit Union
Odessa, TX 79762 8125
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
2809 John Ben Shepperd PkwyOdessa, TX 79762 8125
Champion Checking
3.56%
$0
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Qualifications Required; Qualifying balance up to $30,000.00; Interest paid monthly
Texoma Community Credit Union
Wichita Falls, TX 76306
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
3800 Sheppard Access RdWichita Falls, TX 76306
Cashtastic Checking
3.51%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Qualifying balance up to $10,000
Premier America Credit Union
Houston, TX 77073 5114
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin RdHouston, TX 77073 5114
Premier Plus Checking
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
No additional details provided.
Powered by
MonitorBankRates
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Synergy Federal Credit Union
San Antonio, TX 78249 1616
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
1 Valero WaySan Antonio, TX 78249 1616
Rewards Cash Checking Account
5.12%
$0
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Qualifying balance up to $10,000.00
FNB of Hereford
Hereford, TX 79045
Institution Rating:
B+4.7 ★ Texas Ratio: 18.40%
301 W 3rd StHereford, TX 79045
Reward Checking
4.07%
$0
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Qualifying balance up to $25,000.00
FSB Louise, TX
Dilley, TX 78017
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
731 W Leona StDilley, TX 78017
Diamond Rewards Checking
4.07%
$0
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Qualifications Required; Qualifying balance up to $25,000.00
Gulf Coast Federal Credit Union
Corpus Christi, TX 78414 3145
Institution Rating:
B4.5 ★ Texas Ratio: 21.32%
2633 Rodd Field RdCorpus Christi, TX 78414 3145
KASASA REWARD CHECKING
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Qualifying balance up to $25,000.00
Access Community Credit Union
Amarillo, TX 79109
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
6401 Bell StAmarillo, TX 79109
Rewards Checking
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
No additional details provided.
Allied Federal Credit Union
ARLINGTON, TX 76012 5032
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
909 W Sanford StARLINGTON, TX 76012 5032
Rewards Checking
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
Qualifying balance up to $9,999.99
FNB of Hereford
Hereford, TX 79045
Institution Rating:
B+4.7 ★ Texas Ratio: 18.40%
301 W 3rd StHereford, TX 79045
Reward Checking
3.03%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
Qualifications Required; Qualifying balance up to $100,000.00
Chemcel Federal Credit Union
Bishop, TX 78343
Institution Rating:
A+5.0 ★ Texas Ratio: 5.87%
5740 County Road 4Bishop, TX 78343
Reward$ Checking
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Qualifications Required; Qualifying balance up to $20,000.00
Texoma Community Credit Union
Wichita Falls, TX 76306
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
3800 Sheppard Access RdWichita Falls, TX 76306
Cash Back Checking
3.00%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Qualifying balance up to $400 in purchases
Telco Plus Credit Union
TYLER, TX 75701 3700
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
1010 S SOUTHEAST LOOP 323TYLER, TX 75701 3700
Rewards Plus Checking
2.00%
$0
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Qualifications Required
Beacon Federal Credit Union
La Porte, TX 77571
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
2901 Sens RdLa Porte, TX 77571
Reward Checking - Qualified Accounts
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
Qualifications Required; Qualifying balance up to $20,000.00
FSB Louise, TX
Dilley, TX 78017
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
731 W Leona StDilley, TX 78017
Platinum Rewards Checking
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
No additional details provided.
Telco Plus Credit Union
TYLER, TX 75701 3700
Institution Rating:
A-4.9 ★ Texas Ratio: 15.67%
1010 S SOUTHEAST LOOP 323TYLER, TX 75701 3700
Rewards Plus Checking
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
Qualifications Required; Qualifying balance up to $5,000.00
5Point Credit Union
Nederland, TX 77627 8303
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
3700 Skyline DrNederland, TX 77627 8303
Rewards Share Draft (Checking)
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
No additional details provided.
TruWest Credit Union
Austin, TX 78753 1332
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
13609 N Interstate 35 Bldg 4Austin, TX 78753 1332
Cash Back Checking
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
No additional details provided.
Texas Bay Credit Union
Houston, TX 77034
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua StHouston, TX 77034
Premium Perks Checking
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
No additional details provided.
CoastLife Credit Union
Corpus Christi, TX 78414
Institution Rating:
A5.0 ★ Texas Ratio: 8.60%
6810 Saratoga BlvdCorpus Christi, TX 78414
Cash Back Debit Checking Account
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
No additional details provided.
Texas Bay Credit Union
Houston, TX 77034
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua StHouston, TX 77034
Perks Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
No additional details provided.
Powered by
MonitorBankRates
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
First Liberty Bank
Frisco, TX 75034
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
2600 Dallas PkwyFrisco, TX 75034
Freedom Checking
0.80%
$0
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
No additional details provided.
First Liberty Bank
Frisco, TX 75034
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
2600 Dallas PkwyFrisco, TX 75034
Freedom Checking
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
No additional details provided.
First Liberty Bank
Frisco, TX 75034
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
2600 Dallas PkwyFrisco, TX 75034
Freedom Checking
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details
No additional details provided.
Security First Federal Credit Union
McAllen, TX 78501
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
3700 N 12th StMcAllen, TX 78501
Free Plus Checking
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
No additional details provided.
Henderson FSB
Henderson, TX 75652
Institution Rating:
A+5.0 ★ Texas Ratio: 5.79%
130 N Marshall StHenderson, TX 75652
Freedom Checking Account
0.20%
$500
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedMay 4, 2026
Details
No additional details provided.
Security First Federal Credit Union
McAllen, TX 78501
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
3700 N 12th StMcAllen, TX 78501
Free Plus Checking
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
No additional details provided.
Security First Federal Credit Union
McAllen, TX 78501
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
3700 N 12th StMcAllen, TX 78501
Free Plus Checking
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
No additional details provided.
Access Community Credit Union
Amarillo, TX 79109
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
6401 Bell StAmarillo, TX 79109
Access Checking
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
No additional details provided.
DuGood Federal Credit Union
Beaumont, TX 77708
Institution Rating:
F2.8 ★ Texas Ratio: 41.67%
7505 Eastex Fwy Ste BBeaumont, TX 77708
Basic Checking Account
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
No additional details provided.
FedEx Employees Credit Association Federal Credit Union
Fort Worth, TX 76177 5311
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
2421 Westport Pkwy Ste 1300Fort Worth, TX 76177 5311
Basic Checking
0.03%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
No additional details provided.
Unity One Credit Union
Fort Worth, TX 76131
Institution Rating:
A+5.0 ★ Texas Ratio: 3.97%
6701 Burlington BlvdFort Worth, TX 76131
Best Free Checking
0.01%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
No additional details provided.
Firstmark Credit Union
San Antonio, TX 78232 1703
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
2023 Gold Canyon RdSan Antonio, TX 78232 1703
Basic Checking
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
No additional details provided.
Unity One Credit Union
Fort Worth, TX 76131
Institution Rating:
A+5.0 ★ Texas Ratio: 3.97%
6701 Burlington BlvdFort Worth, TX 76131
Best Free Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
Qualifying balance up to $2,499.99
Rally Credit Union
Corpus Christi, TX 78414 4117
Institution Rating:
A+5.0 ★ Texas Ratio: 5.21%
5725 Spohn DrCorpus Christi, TX 78414 4117
Simple Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
No additional details provided.
Luso American Credit Union
Grapevine, TX 76051 4097
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
975 William D Tate AveGrapevine, TX 76051 4097
Free Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
No additional details provided.
UNIFY Financial Federal Credit Union
San Antonio, TX 78264
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
1 Lone Star Pass Bldg 1San Antonio, TX 78264
FREE Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
No additional details provided.
UNIFY Financial Federal Credit Union
San Antonio, TX 78264
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
1 Lone Star Pass Bldg 1San Antonio, TX 78264
FREE Checking Account
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
No additional details provided.
Security First Federal Credit Union
McAllen, TX 78501
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
3700 N 12th StMcAllen, TX 78501
Free Plus Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
No additional details provided.
Nusenda Federal Credit Union
El Paso, TX 79912
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
4849 N Mesa StEl Paso, TX 79912
Essential Personal Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
No additional details provided.
Powered by
MonitorBankRates
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Mobility Credit Union
Irving, TX 75063 6006
Institution Rating:
A5.0 ★ Texas Ratio: 12.61%
8384 N Belt Line RdIrving, TX 75063 6006
Youth Checking
3.04%
$25
▼
Rate3.00%
Min Deposit$25
Min Balance—
UpdatedMay 12, 2026
Details
No additional details provided.
Valwood Park Federal Credit Union
Carrollton, TX 75006 7260
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
1001 E Crosby RdCarrollton, TX 75006 7260
Teen Checking
0.10%
$25
▼
Rate0.10%
Min Deposit$25
Min Balance—
UpdatedMay 7, 2026
Details
No additional details provided.
Austin Telco Federal Credit Union
Austin, TX 78757
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
8929 Shoal Creek BlvdAustin, TX 78757
True Youth Checking Account - Anticipated Dividends
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
No additional details provided.
Amoco Federal Credit Union
Texas City, TX 77590
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
2300 Texas AveTexas City, TX 77590
Youth Checking
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details
$500 and up
Brazos Valley Schools Credit Union
Brenham, TX 77833
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
2455 Stringer StBrenham, TX 77833
Student Checking
0.00%
$5
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMay 10, 2026
Details
No additional details provided.
Powered by
MonitorBankRates
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Texas Bay Credit Union
Houston, TX 77034
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua StHouston, TX 77034
Share Drafts (Checking) Commercial Checking Business
1.51%
$700,000
▼
Rate1.50%
Min Deposit$700,000
Min Balance—
UpdatedMay 12, 2026
Details
$700,000 and up
Flanagan State Bank
Palestine, TX 75801
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
301 E Palestine AvePalestine, TX 75801
Premier Business Checking Business
1.50%
$10,000
▼
Rate1.49%
Min Deposit$10,000
Min Balance—
UpdatedMay 5, 2026
Details
Minimum Deposit to Open and Obtain APY*: $50,000 and Over
Capitol Credit Union
Austin, TX 78758
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra PkwyAustin, TX 78758
Business Plus Checking Business
0.95%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
No additional details provided.
Capitol Credit Union
Austin, TX 78758
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra PkwyAustin, TX 78758
Business Plus Checking Business
0.85%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
No additional details provided.
Capitol Credit Union
Austin, TX 78758
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra PkwyAustin, TX 78758
Business Plus Checking Business
0.75%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
No additional details provided.
Texas Bay Credit Union
Houston, TX 77034
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua StHouston, TX 77034
Share Drafts (Checking) Simply Plus Business Checking Business
0.75%
$700,000
▼
Rate0.75%
Min Deposit$700,000
Min Balance—
UpdatedMay 12, 2026
Details
$700,000 and up
Texas Bay Credit Union
Houston, TX 77034
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua StHouston, TX 77034
Share Drafts (Checking) Commercial Checking Business
0.75%
$500,000
▼
Rate0.75%
Min Deposit$500,000
Min Balance—
UpdatedMay 12, 2026
Details
$500,000 to $699,999.99
Capitol Credit Union
Austin, TX 78758
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra PkwyAustin, TX 78758
Business Plus Checking Business
0.65%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
No additional details provided.
Flanagan State Bank
Palestine, TX 75801
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
301 E Palestine AvePalestine, TX 75801
Premier Business Checking Business
0.50%
$10,000
▼
Rate0.50%
Min Deposit$10,000
Min Balance—
UpdatedMay 5, 2026
Details
Minimum Deposit to Open and Obtain APY*: $25,000 - $49,999.99
Texas Bay Credit Union
Houston, TX 77034
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua StHouston, TX 77034
Share Drafts (Checking) Simply Plus Business Checking Business
0.50%
$500,000
▼
Rate0.50%
Min Deposit$500,000
Min Balance—
UpdatedMay 12, 2026
Details
$500,000 to $699,999.99
Meriwest Credit Union
allen, TX 75013 2790
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
1021 Central Expy Sallen, TX 75013 2790
Business Elite Checking Business
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
No additional details provided.
Flanagan State Bank
Palestine, TX 75801
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
301 E Palestine AvePalestine, TX 75801
Premier Business Checking Business
0.25%
$10,000
▼
Rate0.25%
Min Deposit$10,000
Min Balance—
UpdatedMay 5, 2026
Details
Minimum Deposit to Open and Obtain APY*: $10,000 - $24,99.99
Baxter Credit Union
San Antonio, TX 78238
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
7034 Alamo Downs PkwySan Antonio, TX 78238
Premier Business Checking Business
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
No additional details provided.
Delta Community Credit Union
Southlake, TX 76092 8024
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
100 N Kimball Ave Ste 103Southlake, TX 76092 8024
Business Checking Business
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
No additional details provided.
Delta Community Credit Union
Southlake, TX 76092 8024
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
100 N Kimball Ave Ste 103Southlake, TX 76092 8024
Business Checking Business
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details
No additional details provided.
Texas Bay Credit Union
Houston, TX 77034
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua StHouston, TX 77034
Share Drafts (Checking) Commercial Checking Business
0.20%
$300,000
▼
Rate0.20%
Min Deposit$300,000
Min Balance—
UpdatedMay 12, 2026
Details
$300,000 to $499,999.99
Premier America Credit Union
Houston, TX 77073 5114
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin RdHouston, TX 77073 5114
Platinum Business Checking Business
0.20%
$25
▼
Rate0.19%
Min Deposit$25
Min Balance—
UpdatedMay 12, 2026
Details
No additional details provided.
American Airlines Federal Credit Union
Fort Worth, TX 76155
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
American Airlines Credit UnionFort Worth, TX 76155
Business Checking Business
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details
No additional details provided.
Texas Health Credit Union
AUSTIN, TX 78756
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
4800 GROVER AVEAUSTIN, TX 78756
Premier Business Checking Business
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details
No additional details provided.
Texas Bay Credit Union
Houston, TX 77034
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua StHouston, TX 77034
Share Drafts (Checking) Simply Plus Business Checking Business
0.15%
$300,000
▼
Rate0.15%
Min Deposit$300,000
Min Balance—
UpdatedMay 12, 2026
Details
$300,000 to $499,999.99
Powered by
MonitorBankRates
Texas Checking Rate Trends
Compare local Texas checking rate quotes against the statewide average
Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
High-Yield Checking — TX Avg
2.389%
▼ 1.338 vs 7 days ago
Texas high-yield checking rates fell 1.338 points over the past 7 days to 2.389% APY.
Free Checking — TX Avg
0.867%
▼ 0.494 vs 7 days ago
Texas free checking rates fell 0.494 points over the past 7 days to 0.867% APY.
As of May 15, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Texas checking rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Texas directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing this data from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Texas. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in TX.
Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.
Frequently Asked Questions
Do checking accounts in Texas earn interest?
Most traditional local checking accounts in Texas earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.
Are banks in Texas FDIC insured?
Yes. Legitimate banks with branches in Texas are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.
What fees should I watch out for?
Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.
What is a Rewards Checking account?
Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.
Best Checking Rates in Texas
Based on our current data, some of the highest checking account APYs available to residents of Texas include:
- Baxter Credit Union
PowerPlusTM Checking Level 2 — 8.00% APY - Evolve Federal Credit Union
ePriority Checking — 7.23% APY - Public Employees Credit Union
High Interest Checking — 6.00% APY - DuGood Federal Credit Union
Hi-Yield Checking Account — 6.00% APY - 5Point Credit Union
High-Yield Checking Account — 6.00% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Texas. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: May 12, 2026
Checking Account Rates by City in Texas
Rate Assistant
MonitorBankRates.com · Live Data
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