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, 5Point Credit Union5Point Credit Union3700 Skyline Dr, Nederland, TX 77627 8303A5.0 ★Texas Ratio: 6.33% High-Yield Checking Account at 6.00% APY, and 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. Checking account rates as of April 23, 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: April 23, 2026
Qualifying balance up to $15000
Qualifying balance up to $10,000.00
Qualifying balance up to $15,000
Qualifying balance up to $15,000.00
Qualifying balance up to $25,000.00
Qualifying balance up to $10,000.00
Qualifications Met; Qualifying balance up to $15,000.00
Qualifying balance up to $15,000.00
Qualifications Required; Qualifying balance up to $25,000.00
Qualifying balance up to $25,000.00
No additional details provided.
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
Qualifying balance up to $15000
No additional details provided.
Qualifying balance up to $20,000.00
Qualifications Required; Qualifying balance up to $10,000.00
Qualifications Required; Qualifying balance up to $30,000.00; Interest paid monthly
Qualifying balance up to $10,000
Qualifying balance up to $25,000.00
No additional details provided.
Qualifying balance up to $15000
Qualifying balance up to $10,000.00
Qualifying balance up to $25,000.00
Qualifying balance up to $15,000.00
Qualifying balance up to $15,000
Qualifying balance up to $10,000.00
Qualifying balance up to $15,000.00
Qualifications Met; Qualifying balance up to $15,000.00
Qualifying balance up to $25,000.00
Qualifications Required; Qualifying balance up to $25,000.00
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
No additional details provided.
Qualifying balance up to $20,000.00
No additional details provided.
Qualifying balance up to $15000
Qualifications Required; Qualifying balance up to $10,000.00
Qualifications Required; Qualifying balance up to $30,000.00; Interest paid monthly
Qualifying balance up to $10,000
Qualifying balance up to $25,000.00
No additional details provided.
Qualifying balance up to $10,000.00
Qualifying balance up to $25,000.00
Qualifications Required; Qualifying balance up to $25,000.00
Qualifying balance up to $25,000.00
No additional details provided.
Qualifying balance up to $9,999.99
Qualifying balance up to $20,000.00
Qualifying balance up to $400 in purchases
Qualifications Required; Qualifying balance up to $15,000.00
Qualifications Required; Qualifying balance up to $20,000.00
Qualifying balance up to $20,000.00
No additional details provided.
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$700,000
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$700,000
$500,000
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$500,000
Balances $35,000.01 and up
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$300,000
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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.
Texas high-yield checking rates rose 0.100 points over the past 7 days to 3.076% APY.
Texas free checking rates rose 0.113 points over the past 7 days to 1.266% APY.
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 pulling this data straight 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.