MonitorBankRates
Home Checking Accounts Texas Checking Roosevelt, 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 Roosevelt, Texas - April 2026

The best checking rates for Roosevelt, Texas include Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% PowerPlusTM Checking Level 2 at 8.00% APY, Evolve Federal Credit UnionEvolve Federal Credit UnionA+5.0 ★Texas Ratio: 0.63% ePriority Checking at 7.23% APY, Public Employees Credit UnionPublic Employees Credit UnionA+5.0 ★Texas Ratio: 1.12% High Interest Checking at 6.00% APY, 5Point Credit Union5Point Credit UnionA5.0 ★Texas Ratio: 6.33% High-Yield Checking Account at 6.00% APY, and DuGood Federal Credit UnionDuGood Federal Credit UnionF2.8 ★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.

Roosevelt is a smaller community with no bank or credit union branches currently in our database. 59 institutions serving the Texas area are available to Roosevelt residents, with checking rates as high as 8.00% APY from Baxter Credit Union. Rates are continually updated — we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in Roosevelt, Texas. Checking Account Rates Last Updated and Verified: April 23, 2026

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

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 2
8.00%
$0
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
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
Rate5.84%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $15,000

5Point Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
High-Yield Checking Account
6.00%
$0
Rate5.83%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $15,000.00

DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 41.67%
Hi-Yield Checking Account
6.00%
$0
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
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
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
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
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
Rate4.00%
Min Deposit$0
Min Balance
UpdatedApr 17, 2026
Details

Qualifying balance up to $25,000.00

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

No additional details provided.

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
High Interest Checking
4.00%
$0
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
Rate3.93%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $15000

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
HY Checking
4.00%
$0
Rate3.93%
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%
Advantage Checking
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedApr 17, 2026
Details

Qualifying balance up to $20,000.00

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

Qualifications Required; Qualifying balance up to $10,000.00

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

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

Texoma Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
Cashtastic Checking
3.51%
$0
Rate3.45%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

Qualifying balance up to $10,000

Gulf Coast Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 21.32%
KASASA REWARD CHECKING
3.50%
$0
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
Rate3.20%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 2
8.00%
$0
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
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
Rate5.84%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $25,000.00

5Point Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
High-Yield Checking Account
6.00%
$0
Rate5.83%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $15,000.00

Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
High Interest Checking
6.00%
$0
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
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
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
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
Rate4.00%
Min Deposit$0
Min Balance
UpdatedApr 17, 2026
Details

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
Rate4.00%
Min Deposit$0
Min Balance
UpdatedApr 17, 2026
Details

Qualifications Required; Qualifying balance up to $25,000.00

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
High Interest Checking
4.00%
$0
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

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
HY Checking
4.00%
$0
Rate3.93%
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%
Advantage Checking
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedApr 17, 2026
Details

Qualifying balance up to $20,000.00

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

No additional details provided.

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

Qualifying balance up to $15000

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

Qualifications Required; Qualifying balance up to $10,000.00

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

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

Texoma Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
Cashtastic Checking
3.51%
$0
Rate3.45%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

Qualifying balance up to $10,000

Gulf Coast Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 21.32%
KASASA REWARD CHECKING
3.50%
$0
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
Rate3.20%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
Rewards Cash Checking Account
5.12%
$0
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
Rate4.00%
Min Deposit$0
Min Balance
UpdatedApr 17, 2026
Details

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
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
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
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
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
Rate2.96%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

Qualifying balance up to $20,000.00

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

Qualifying balance up to $400 in purchases

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

Qualifications Required; Qualifying balance up to $15,000.00

Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
Reward Checking
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

Qualifications Required; Qualifying balance up to $20,000.00

Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
Reward Checking - Qualified Accounts
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

Qualifying balance up to $20,000.00

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

No additional details provided.

5Point Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
Rewards Share Draft (Checking)
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

No additional details provided.

Velocity Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.01%
Rewards Checking
0.05%
$0
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
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
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

No additional details provided.

CoastLife Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.60%
Cash Back Debit Checking Account
0.00%
$0
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
0.00%
$0
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
Rate0.80%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

No additional details provided.

First Liberty Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
Freedom Checking
0.75%
$0
Rate0.75%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

No additional details provided.

First Liberty Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
Freedom Checking
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedApr 23, 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
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
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
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
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
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
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
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
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
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
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
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
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
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
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
Rate3.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 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
Rate0.10%
Min Deposit$25
Min Balance
UpdatedApr 18, 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
Rate0.00%
Min Deposit$0
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
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
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
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
Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Commercial Checking and up
1.51%
$0
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
Rate1.49%
Min Deposit$10,000
Min Balance
UpdatedApr 23, 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
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

No additional details provided.

Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Business Plus Checking
0.95%
$0
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
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
0.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

No additional details provided.

Texas Heritage National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.19%
Bronze Business Checking: Tier 2
0.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

No additional details provided.

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

$700,000

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

$500,000

Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
Business Plus Checking
0.65%
$0
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
Rate0.50%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

$500,000

Rave Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
Business Checking Account
0.50%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedApr 19, 2026
Details

Balances $35,000.01 and up

Texas Heritage National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.19%
Bronze Business Checking: Tier 1
0.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 23, 2026
Details

No additional details provided.

Flanagan State Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
Premier Business Checking**
0.50%
$10,000
Rate0.50%
Min Deposit$10,000
Min Balance
UpdatedApr 23, 2026
Details

No additional details provided.

Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
Business Elite Checking
0.30%
$0
Rate0.30%
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
Rate0.25%
Min Deposit$10,000
Min Balance
UpdatedApr 23, 2026
Details

No additional details provided.

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

No additional details provided.

Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
Platinum Business Checking
0.20%
$25
Rate0.19%
Min Deposit$25
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 $499,999.99
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

$300,000

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

No additional details provided.

Roosevelt, TX Checking Rate Trends

Compare local Roosevelt, 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
3.076%
▲ 0.100 vs 7 days ago

Texas high-yield checking rates rose 0.100 points over the past 7 days to 3.076% APY.

Free Checking — TX Avg
1.266%
▲ 0.113 vs 7 days ago

Texas free checking rates rose 0.113 points over the past 7 days to 1.266% APY.

As of Apr 23, 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 Roosevelt, 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 Roosevelt, 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 Roosevelt, Texas earn interest?

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

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

Based on our current data, some of the highest checking account APYs available to residents of Roosevelt, 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
  • 5Point Credit Union
    High-Yield Checking Account — 6.00% APY
  • DuGood Federal Credit Union
    Hi-Yield Checking Account — 6.00% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Roosevelt, Texas. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: April 23, 2026