MonitorBankRates
☰
Home › Checking Accounts › Texas Checking › Conroe, Texas iAdvertiser Disclosure
Advertiser Disclosure Some of the institutions listed may have a business relationship with MonitorBankRates. However, our proprietary systems independently track and verify all rates and data displayed. Advertiser relationships do not influence our Health Safety Rating, Star Ratings or Texas Ratio calculation, or the rates shown.

Best Banks & Checking Accounts in Conroe, Texas - April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
| i Editorial Disclosure
Editorial Disclosure 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.
| ✓Fact Checked | Checking Account Rates — Last Updated and Verified: April 26, 2026

The best checking rates for Conroe, Texas include 5Point Credit Union5Point Credit Union3570 FM 1488 Rd Ste 700, Conroe, TX 77384 3806A5.0 ★Texas Ratio: 6.33% High-Yield Checking Account at 6.00% APY, American State Bank (TX)American State Bank (TX)1700 N Loop 336 W, Conroe, TX 77304A-4.9 ★Texas Ratio: 16.23% iChecking at 1.25% APY, ECU Credit UnionECU Credit Union16597 Interstate 45 S, Conroe, TX 77385A+5.0 ★Texas Ratio: 1.62% Elite Checking at 0.50% APY, Rave Financial Credit UnionRave Financial Credit Union670 FM 3083 Rd Ste 201, Conroe, TX 77301A+5.0 ★Texas Ratio: 3.72% Checking Account at 0.50% APY, and Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% PowerPlusTM Checking Level 2 at 8.00% APY. Checking account rates as of April 26, 2026 according to verified data from MonitorBankRates.

Conroe has 4 local institutions in our database, with checking rates as high as 6.00% APY from 5Point Credit Union at 3570 FM 1488 Rd Ste 700, Conroe, TX, 77384 3806. Use the tabs below to compare all available checking account types. Rates are continually updated — we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in Conroe, Texas. Checking Account Rates Last Updated and Verified: April 26, 2026

Compare Checking Account Rates Today in Conroe, Texas & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
5Point Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
3570 FM 1488 Rd Ste 700
Conroe, TX 77384 3806
High-Yield Checking Account
6.00%
$0
View
▼
Rate5.83%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $15,000.00

American State Bank (TX)
Institution Rating:
A-4.9 ★ Texas Ratio: 16.23%
1700 N Loop 336 W
Conroe, TX 77304
iChecking
1.25%
$0
View
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

No additional details provided.

American State Bank (TX)
Institution Rating:
A-4.9 ★ Texas Ratio: 16.23%
1700 N Loop 336 W
Conroe, TX 77304
iChecking
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

No additional details provided.

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S
Conroe, TX 77385
Elite Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

Rave Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
670 FM 3083 Rd Ste 201
Conroe, TX 77301
Checking Account
0.50%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedApr 19, 2026
Details

Balances $35,000.01 and up

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S
Conroe, TX 77385
High School Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

5Point Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
3570 FM 1488 Rd Ste 700
Conroe, TX 77384 3806
Rewards Share Draft (Checking)
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

ECU Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.62%
16597 Interstate 45 S
Conroe, TX 77385
Preferred Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

5Point Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
3570 FM 1488 Rd Ste 700
Conroe, TX 77384 3806
50+ Share Draft (Checking)
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

5Point Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
3570 FM 1488 Rd Ste 700
Conroe, TX 77384 3806
Plus Share Draft (Checking)
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

American State Bank (TX)
Institution Rating:
A-4.9 ★ Texas Ratio: 16.23%
1700 N Loop 336 W
Conroe, TX 77304
iChecking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

No additional details provided.

American State Bank (TX)
Institution Rating:
A-4.9 ★ Texas Ratio: 16.23%
1700 N Loop 336 W
Conroe, TX 77304
Platinum Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $15000

Evolve Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
ePriority Checking
7.23%
$0
View
▼
Rate7.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Qualifying balance up to $10,000.00

DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 41.67%
Hi-Yield Checking Account
6.00%
$0
View
▼
Rate5.84%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $25,000.00

Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
High Interest Checking
6.00%
$0
View
▼
Rate5.84%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $15,000

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
Rewards Cash Checking Account
5.12%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Qualifying balance up to $10,000.00

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
True Earnings Checking Account
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Qualifying balance up to $15,000.00

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
True Earnings Checking Account - Anticipated Dividends
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Qualifications Met; Qualifying balance up to $15,000.00

FNB of Hereford
Institution Rating:
B+4.7 ★ Texas Ratio: 18.40%
Reward Checking
4.07%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
5Point Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
3570 FM 1488 Rd Ste 700
Conroe, TX 77384 3806
High-Yield Checking Account
6.00%
$0
View
▼
Rate5.83%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $15,000.00

American State Bank (TX)
Institution Rating:
A-4.9 ★ Texas Ratio: 16.23%
1700 N Loop 336 W
Conroe, TX 77304
iChecking
1.25%
$0
View
▼
Rate1.24%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

No additional details provided.

5Point Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
3570 FM 1488 Rd Ste 700
Conroe, TX 77384 3806
Plus Share Draft (Checking)
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

American State Bank (TX)
Institution Rating:
A-4.9 ★ Texas Ratio: 16.23%
1700 N Loop 336 W
Conroe, TX 77304
Platinum Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 22, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $15000

Evolve Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
ePriority Checking
7.23%
$0
View
▼
Rate7.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Qualifying balance up to $10,000.00

Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
High Interest Checking
6.00%
$0
View
▼
Rate5.84%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $15,000

DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 41.67%
Hi-Yield Checking Account
6.00%
$0
View
▼
Rate5.84%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $25,000.00

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
Rewards Cash Checking Account
5.12%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Qualifying balance up to $10,000.00

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
True Earnings Checking Account - Anticipated Dividends
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Qualifications Met; Qualifying balance up to $15,000.00

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
True Earnings Checking Account
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Qualifying balance up to $15,000.00

FSB Louise, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
Diamond Rewards Checking
4.07%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Qualifications Required; Qualifying balance up to $25,000.00

FNB of Hereford
Institution Rating:
B+4.7 ★ Texas Ratio: 18.40%
Reward Checking
4.07%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

Star Of Texas Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.44%
4-Star Checking / High Yield
4.00%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
Advantage Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Qualifying balance up to $20,000.00

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
HY Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
High Interest Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 19, 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

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 1
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $15000

Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
Champion Checking
3.56%
$0
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Qualifications Required; Qualifying balance up to $30,000.00; Interest paid monthly

CoastLife Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.60%
Bonus Checking Account
3.56%
$0
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
5Point Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
3570 FM 1488 Rd Ste 700
Conroe, TX 77384 3806
Rewards Share Draft (Checking)
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
Rewards Cash Checking Account
5.12%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Qualifying balance up to $10,000.00

FNB of Hereford
Institution Rating:
B+4.7 ★ Texas Ratio: 18.40%
Reward Checking
4.07%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

FSB Louise, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
Diamond Rewards Checking
4.07%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Qualifications Required; Qualifying balance up to $25,000.00

Gulf Coast Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 21.32%
KASASA REWARD CHECKING
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Qualifying balance up to $25,000.00

Access Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
Rewards Checking
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Allied Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
Rewards Checking
3.04%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Qualifying balance up to $9,999.99

Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.87%
Reward$ Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

No additional details provided.

Texoma Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
Cash Back Checking
3.00%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

Qualifying balance up to $400 in purchases

FNB of Hereford
Institution Rating:
B+4.7 ★ Texas Ratio: 18.40%
Reward Checking
2.27%
$0
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
Smart REWARDS Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifications Required; Qualifying balance up to $15,000.00

FNB of Hereford
Institution Rating:
B+4.7 ★ Texas Ratio: 18.40%
Reward Checking
1.01%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
Reward Checking - Qualified Accounts
1.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

Qualifications Required; Rate quoted as of January 8,2024. Rates and monthly qualification cycle dates are subject to change without notice. Reward Rate of 1.00% APY will be paid during each monthly cycle when the minimum qualifications are met.

Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.87%
Reward$ Checking
0.60%
$0
View
▼
Rate0.59%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

No additional details provided.

FSB Louise, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 0.08%
Platinum Rewards Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.87%
Reward$ Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

No additional details provided.

Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
Reward Checking - Qualified Accounts
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

No additional details provided.

Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
Rewards Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

TruWest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Cash Back Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
Domino Rewards Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
First Liberty Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
Freedom Checking
0.80%
$0
View
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

First Liberty Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
Freedom Checking
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

First Liberty Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
Freedom Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

Security First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
Free Plus Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Security First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
Free Plus Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Security First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
Free Plus Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Access Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
Access Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 41.67%
Basic Checking Account
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
Basic Checking
0.03%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Unity One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.97%
Best Free Checking
0.01%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Firstmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
Basic Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
Basic Checking
0.01%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Unity One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.97%
Best Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Domino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
Basic Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
FREE Checking Account
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
FREE Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Security First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
Free Plus Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Mobility Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.61%
Youth Checking
3.04%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
nPower Youth Checking
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

No additional details provided.

Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
Teen Checking
0.10%
$25
View
▼
Rate0.10%
Min Deposit$25
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
True Youth Checking Account - Anticipated Dividends
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Chocolate Bayou Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.27%
Student Checking
0.01%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
Youth Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Rave Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
670 FM 3083 Rd Ste 201
Conroe, TX 77301
Business Checking Account
0.50%
$100
View
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedApr 19, 2026
Details

Balances $35,000.01 and up

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Commercial Checking and up
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

$700,000

Flanagan State Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
Premier Business Checking**
1.50%
$10,000
View
▼
Rate1.49%
Min Deposit$10,000
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

Texas Heritage National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.19%
Bronze Business Checking: Tier 3
1.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Business Plus Checking
0.95%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Business Plus Checking
0.85%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Commercial Checking to $699,999.99
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

$500,000

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Simply Plus Business Checking and up
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

$700,000

Texas Heritage National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.19%
Bronze Business Checking: Tier 2
0.75%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Business Plus Checking
0.75%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Business Plus Checking
0.65%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Simply Plus Business Checking to $699,999.99
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

$500,000

Texas Heritage National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.19%
Bronze Business Checking: Tier 1
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

Flanagan State Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
Premier Business Checking**
0.50%
$10,000
View
▼
Rate0.50%
Min Deposit$10,000
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
Business Elite Checking
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Premier Business Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Flanagan State Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
Premier Business Checking**
0.25%
$10,000
View
▼
Rate0.25%
Min Deposit$10,000
Min Balance—
UpdatedApr 24, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Commercial Checking to $499,999.99
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

$300,000

Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
Platinum Business Checking
0.20%
$25
View
▼
Rate0.19%
Min Deposit$25
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

ACFCU
Institution Rating:
A+5.0 ★
Business Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Conroe, TX Checking Rate Trends

Compare local Conroe, TX 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.

View Full Texas Checking Trends →
High-Yield Checking — TX Avg
2.964%
▲ 0.093 vs 7 days ago

Texas high-yield checking rates rose 0.093 points over the past 7 days to 2.964% APY.

Free Checking — TX Avg
1.339%
▲ 0.111 vs 7 days ago

Texas free checking rates rose 0.111 points over the past 7 days to 1.339% APY.

As of Apr 27, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Conroe, 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 Conroe, 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 Conroe, Texas earn interest?

Most traditional local checking accounts in Conroe, 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 Conroe, Texas FDIC insured?

Yes. Legitimate banks with branches in Conroe, 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 Conroe, Texas

Based on our current data, some of the highest checking account APYs available to residents of Conroe, Texas include:
  • 5Point Credit Union
    High-Yield Checking Account — 6.00% APY
  • American State Bank (TX)
    iChecking — 1.25% APY
  • ECU Credit Union
    Elite Checking — 0.50% APY
  • Rave Financial Credit Union
    Checking Account — 0.50% APY
  • Baxter Credit Union
    PowerPlusTM Checking Level 2 — 8.00% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Conroe, Texas. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: April 26, 2026

Conroe, Texas Rates & Resources

$
Conroe, Texas CD Rates
$
Conroe, Texas Savings Rates
$
Conroe, Texas Money Market Rates
$
Conroe, Texas Mortgage Rates
$
Conroe, Texas Auto Loan Rates
$
Conroe, Texas Personal Loan Rates