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Best Banks & Checking Accounts in Houston, Texas - July 2026

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Brian McKay Brian McKay
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| 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: July 16, 2026

The best checking rates for Houston, Texas include Together Credit UnionTogether Credit Union775 Gellhorn Dr, Houston, TX 77029 1416A+5.0 ★Texas Ratio: 5.30% High Interest Checking at 4.00% APY, Justice Federal Credit UnionJustice Federal Credit Union1 Justice Park Dr, Houston, TX 77092A5.0 ★Texas Ratio: 8.56% Checking at 4.00% APY, Amoco Federal Credit UnionAmoco Federal Credit Union1800 Space Park Dr, Houston, TX 77058A5.0 ★Texas Ratio: 5.99% Advantage Checking at 4.00% APY, Premier America Credit UnionPremier America Credit Union2001 Rankin Rd, Houston, TX 77073 5114A5.0 ★Texas Ratio: 9.01% Premier Plus Checking at 3.50% APY, and PrimeWay Federal Credit UnionPrimeWay Federal Credit Union100 Dominion Park Dr, Houston, TX 77090 6716A5.0 ★Texas Ratio: 7.35% Best Checking at 2.00% APY. Checking account rates as of July 16, 2026 according to verified data from MonitorBankRates.

Houston has 22 local institutions in our database, with checking rates as high as 4.00% APY from Together Credit Union at 775 Gellhorn Dr, Houston, TX, 77029 1416. 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 Houston, Texas. Checking Account Rates Last Updated and Verified: July 16, 2026

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

Institutions:
Jump to: All Accounts · High Yield · Rewards · Free Checking · Student · Business

Houston Checking Account Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
775 Gellhorn Dr
Houston, TX 77029 1416
High Interest Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details

Qualifications Required; Intro rate expires: 02/03/2026; Regular APR: 0.20%; Rates subject to change without notice. A monthly $5.00 fee applies if ADB falls below $1,000.

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
1 Justice Park Dr
Houston, TX 77092
Checking
4.00%
$0
View
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details

Qualifications Required; Qualifying Account Balances

Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
1800 Space Park Dr
Houston, TX 77058
Advantage Checking
4.00%
$500
View
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details

No additional details provided.

Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd
Houston, TX 77073 5114
Premier Plus Checking
3.50%
$25
View
▼
Rate3.44%
Min Deposit$25
Min Balance—
UpdatedJul 11, 2026
Details

1APY = Annual Percentage Yield. Rate Up To is the dividend rate.

PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr
Houston, TX 77090 6716
Best Checking
2.00%
$25
View
▼
Rate1.98%
Min Deposit$25
Min Balance—
UpdatedJul 6, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St
Houston, TX 77034
Commercial Checking Business
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details

No additional details provided.

PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr
Houston, TX 77090 6716
Best Checking
1.00%
$25
View
▼
Rate0.99%
Min Deposit$25
Min Balance—
UpdatedJul 6, 2026
Details

No additional details provided.

Gulf Capital Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.95%
1 Riverway
Houston, TX 77056
Business Checking with Interest Business
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St
Houston, TX 77034
Simply Business Checking Business
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St
Houston, TX 77034
Commercial Checking Business
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St
Houston, TX 77034
Simply Plus Business Checking Business
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St
Houston, TX 77034
Simply Business Checking Business
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St
Houston, TX 77034
Simply Plus Business Checking Business
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details

No additional details provided.

Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.80%
1600 Memorial Dr
Houston, TX 77007 7702
Dividend & Estate Checking
0.50%
$25
View
▼
Rate0.50%
Min Deposit$25
Min Balance—
UpdatedJul 6, 2026
Details

No additional details provided.

Harris County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.00%
1400 Franklin St
Houston, TX 77002 2147
PREMIER SH DRFT CHECKING
0.35%
$5,000
View
▼
Rate0.00%
Min Deposit$5,000
Min Balance—
UpdatedJul 15, 2026
Details

No additional details provided.

Port of Houston Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
111 East Loop N
Houston, TX 77029
Checking
0.25%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details

No additional details provided.

Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★ Texas Ratio: 20.45%
2000 Post Oak Blvd
Houston, TX 77056
High-Yield Checking
0.25%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details

Balance $20,000.01 and up

Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★ Texas Ratio: 20.45%
2000 Post Oak Blvd
Houston, TX 77056
Value Plus Checking
0.25%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St
Houston, TX 77034
Commercial Checking Business
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details

No additional details provided.

Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
2315 Mangum Rd
Houston, TX 77092
Share Draft (Checking)
0.20%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details

No additional details provided.

Houston High Yield Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
1 Justice Park Dr
Houston, TX 77092
Checking
4.00%
$0
View
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details

Qualifications Required; Qualifying Account Balances

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
775 Gellhorn Dr
Houston, TX 77029 1416
High Interest Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details

Qualifications Required; Intro rate expires: 02/03/2026; Regular APR: 0.20%; Rates subject to change without notice. A monthly $5.00 fee applies if ADB falls below $1,000.

Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
1800 Space Park Dr
Houston, TX 77058
Advantage Checking
4.00%
$500
View
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details

No additional details provided.

Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd
Houston, TX 77073 5114
Premier Plus Checking
3.50%
$25
View
▼
Rate3.44%
Min Deposit$25
Min Balance—
UpdatedJul 11, 2026
Details

1APY = Annual Percentage Yield. Rate Up To is the dividend rate.

PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr
Houston, TX 77090 6716
Best Checking
2.00%
$25
View
▼
Rate1.98%
Min Deposit$25
Min Balance—
UpdatedJul 6, 2026
Details

No additional details provided.

PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr
Houston, TX 77090 6716
Best Checking
1.00%
$25
View
▼
Rate0.99%
Min Deposit$25
Min Balance—
UpdatedJul 6, 2026
Details

No additional details provided.

Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★ Texas Ratio: 20.45%
2000 Post Oak Blvd
Houston, TX 77056
Value Plus Checking
0.25%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St
Houston, TX 77034
High Yielding Share Drafts (Checking)
0.11%
$0
View
▼
Rate0.11%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St
Houston, TX 77034
High Yielding Share Drafts (Checking)
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details

No additional details provided.

BP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.22%
15455 Memorial Dr Ste 200
Houston, TX 77079 4136
Interest Bearing Checking
0.08%
$0
View
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St
Houston, TX 77034
High Yielding Share Drafts (Checking)
0.08%
$0
View
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St
Houston, TX 77034
High Yielding Share Drafts (Checking)
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details

No additional details provided.

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.63%
7000 Fannin St
Houston, TX 77030
Premium Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Rate is variable and subject to change after account is opened. Fees could reduce earnings on account. Must meet eligibility requirements. Certain restrictions apply. Programs subject to change without notice.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St
Houston, TX 77034
High Yielding Share Drafts (Checking)
0.02%
$0
View
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St
Houston, TX 77034
Premium Perks Checking
0.02%
$0
View
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details

No additional details provided.

Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
1800 Space Park Dr
Houston, TX 77058
Advantage Checking
0.01%
$500
View
▼
Rate0.01%
Min Deposit$500
Min Balance—
UpdatedJul 6, 2026
Details

No additional details provided.

Evolve Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.62%
ePriority Checking*
7.23%
$0
View
▼
Rate7.00%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details

Qualifying balance up to $10,000.00

DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 0.47%
Hi-Yield Checking Account
6.00%
$0
View
▼
Rate5.84%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details

No additional details provided.

Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Kasasa Cash Checking
6.00%
$0
View
▼
Rate5.84%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login

5Point Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.94%
High-Yield Checking Account
6.00%
$0
View
▼
Rate5.83%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $15,000.00

Houston Rewards Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St
Houston, TX 77034
Premium Perks Checking
0.02%
$0
View
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St
Houston, TX 77034
Perks Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details

No additional details provided.

Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Kasasa Cash Checking
6.00%
$0
View
▼
Rate5.84%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login

MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
Kasasa Cash Checking
5.55%
$5
View
▼
Rate5.41%
Min Deposit$5
Min Balance—
UpdatedJul 16, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login

My Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Kasasa Cash Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Qualifications Required: Qualifications Required; 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login

Genco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.76%
GENCO Kasasa Cash Checking
4.25%
$50
View
▼
Rate4.17%
Min Deposit$50
Min Balance—
UpdatedJul 15, 2026
Details

Qualifications Required: Qualifications Required; 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying accounts up to $10,000

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—
UpdatedJul 14, 2026
Details

Qualifications Required: Qualifications Required; Direct deposit or ACH credit; At least 12 debit card purchases; E-statements enrollment; Online banking enrollment/login; Qualifying balance up to $25,000.00

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—
UpdatedJul 12, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $25,000.00

Gulf Coast Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 17.84%
KASASA REWARD CHECKING
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details

Qualifications Required: Qualifications Required; Qualifying balance up to $25,000.00

Access Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.08%
Rewards Checking
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details

No additional details provided.

Allied Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
Rewards Checking
3.04%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details

No additional details provided.

FNB of Hereford
Institution Rating:
B+4.7 ★ Texas Ratio: 18.40%
Reward Checking
3.03%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details

Qualifications Required: Qualifications Required; Direct deposit or ACH credit; At least 12 debit card purchases; E-statements enrollment; Online banking enrollment/login; Qualifying balance up to $100,000.00

Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.61%
Reward$ Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details

Qualifications Required: Qualifications Required;; Qualifying balance up to $20,000.00

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—
UpdatedJul 14, 2026
Details

Qualifications Required: Qualifications Required; Direct deposit or ACH credit; At least 12 debit card purchases; E-statements enrollment; Online banking enrollment/login; Qualifying balance up to $25,000.00

Anahuac National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
Kasasa Cash Checking
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedJul 12, 2026
Details

No additional details provided.

MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.39%
Kasasa Cash Checking
2.01%
$5
View
▼
Rate1.99%
Min Deposit$5
Min Balance—
UpdatedJul 16, 2026
Details

Qualifications Required: Qualifications Required; 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Rate: 1.99% on balances up to $15,000.00

Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
Smart REWARDS Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

Balance Amount: $100 - $15,000

Flanagan State Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
Kasasa Cash Checking
1.60%
$50
View
▼
Rate1.60%
Min Deposit$50
Min Balance—
UpdatedJul 14, 2026
Details

Qualifications Required: Qualifications Required; Balances up to $10,000.00 (when qualifications are met)

FNB of Hereford
Institution Rating:
B+4.7 ★ Texas Ratio: 18.40%
Reward Checking
1.26%
$0
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details

All balances if qualifications not met

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—
UpdatedJul 14, 2026
Details

All balances if qualifications not met

Houston Free Checking Rates

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—
UpdatedJul 14, 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—
UpdatedJul 14, 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—
UpdatedJul 14, 2026
Details

No additional details provided.

Access Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.08%
Access Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details

No additional details provided.

DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 0.47%
Basic Checking Account
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details

No additional details provided.

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
Basic Checking
0.03%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details

No additional details provided.

Firstmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Basic Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedJul 16, 2026
Details

No additional details provided.

Unity One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
Best Free Checking
0.01%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
FREE Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedJul 15, 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—
UpdatedJul 15, 2026
Details

No additional details provided.

Rally Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.64%
Simple Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

No additional details provided.

Unity One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.61%
Best Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

No additional details provided.

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.33%
Essential Personal Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details

No additional details provided.

Houston Student Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
1800 Space Park Dr
Houston, TX 77058
Youth Checking
0.01%
$25
View
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedJul 6, 2026
Details

No additional details provided.

PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
100 Dominion Park Dr
Houston, TX 77090 6716
Student Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedJul 6, 2026
Details

No additional details provided.

Mobility Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.85%
Youth Checking
3.04%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

No additional details provided.

Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.53%
Teen Checking
0.10%
$25
View
▼
Rate0.10%
Min Deposit$25
Min Balance—
UpdatedJul 15, 2026
Details

No additional details provided.

Houston Business Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St
Houston, TX 77034
Commercial Checking Business
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details

No additional details provided.

Gulf Capital Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.95%
1 Riverway
Houston, TX 77056
Business Checking with Interest Business
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedJul 14, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St
Houston, TX 77034
Commercial Checking Business
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St
Houston, TX 77034
Simply Business Checking Business
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St
Houston, TX 77034
Simply Plus Business Checking Business
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St
Houston, TX 77034
Simply Plus Business Checking Business
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St
Houston, TX 77034
Simply Business Checking Business
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St
Houston, TX 77034
Commercial Checking Business
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details

No additional details provided.

Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
2001 Rankin Rd
Houston, TX 77073 5114
Platinum Business Checking Business
0.20%
$0
View
▼
Rate0.19%
Min Deposit$0
Min Balance—
UpdatedJul 11, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St
Houston, TX 77034
Simply Business Checking Business
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St
Houston, TX 77034
Simply Plus Business Checking Business
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St
Houston, TX 77034
Commercial Checking Business
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St
Houston, TX 77034
Simply Business Checking Business
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St
Houston, TX 77034
Simply Plus Business Checking Business
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details

No additional details provided.

Lone Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2600 S Gessner Rd
Houston, TX 77063
Business Interest Checking Business
0.09%
$250
View
▼
Rate0.09%
Min Deposit$250
Min Balance—
UpdatedJul 14, 2026
Details

No additional details provided.

Lone Star Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2600 S Gessner Rd
Houston, TX 77063
Business Interest Checking Business
0.08%
$250
View
▼
Rate0.08%
Min Deposit$250
Min Balance—
UpdatedJul 14, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St
Houston, TX 77034
Commercial Checking Business
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St
Houston, TX 77034
Simply Business Checking Business
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
12611 Fuqua St
Houston, TX 77034
Simply Plus Business Checking Business
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedJul 7, 2026
Details

No additional details provided.

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
777 N Eldridge Pkwy Ste 150
Houston, TX 77079 4416
Platinum Business Checking Business
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedJul 15, 2026
Details

No additional details provided.

Houston, TX Checking Rate Trends

Compare local Houston, 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
2.304%
▲ 0.053 vs 7 days ago

Texas high-yield checking rates rose 0.053 points over the past 7 days to 2.304% APY.

Free Checking — TX Avg
1.503%
▲ 0.209 vs 7 days ago

Texas free checking rates rose 0.209 points over the past 7 days to 1.503% APY.

As of Jul 16, 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 Houston, 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 Houston, 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 Houston, 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 Houston, Texas earn interest?

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

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

Based on our current data, some of the highest checking account APYs available to residents of Houston, Texas include:
  • Together Credit Union
    High Interest Checking — 4.00% APY
  • Justice Federal Credit Union
    Checking — 4.00% APY
  • Amoco Federal Credit Union
    Advantage Checking — 4.00% APY
  • Premier America Credit Union
    Premier Plus Checking — 3.50% APY
  • PrimeWay Federal Credit Union
    Best Checking — 2.00% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Houston, Texas. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: July 16, 2026

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