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Best Banks & Checking Accounts in San Antonio, Texas - June 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: June 4, 2026

The best checking rates for San Antonio, Texas include Baxter Credit UnionBaxter Credit Union7034 Alamo Downs Pkwy, San Antonio, TX 78238A5.0 ★Texas Ratio: 7.04% PowerPlusTM Checking Level 2 at 8.00% APY, UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union1 Lone Star Pass Bldg 1, San Antonio, TX 78264B4.4 ★Texas Ratio: 17.71% HY Checking at 4.00% APY, Firstmark Credit UnionFirstmark Credit Union2023 Gold Canyon Rd, San Antonio, TX 78232 1703A+5.0 ★Texas Ratio: 3.69% at 3.00% APY, Randolph Brooks FCURandolph Brooks FCU11432 W Loop 1604 N, San Antonio, TX 78254A+5.0 ★Texas Ratio: 4.42% Checking at 0.05% APY, and GREATER TEXASGREATER TEXAS3635 SE Military Dr Ste 100, San Antonio, TX 78223 4078A5.0 ★Texas Ratio: 6.70% Share Draft Checking Accounts Daily Balance Method at 0.05% APY. Checking account rates as of June 4, 2026 according to verified data from MonitorBankRates.

San Antonio has 6 local institutions in our database, with checking rates as high as 8.00% APY from Baxter Credit Union at 7034 Alamo Downs Pkwy, San Antonio, TX, 78238. 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 San Antonio, Texas. Checking Account Rates Last Updated and Verified: June 4, 2026

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

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

San Antonio Checking Account Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
7034 Alamo Downs Pkwy
San Antonio, TX 78238
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Qualifying balance up to $15000

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
7034 Alamo Downs Pkwy
San Antonio, TX 78238
PowerPlusTM Checking Level 1
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Qualifying balance up to $15000

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
1 Lone Star Pass Bldg 1
San Antonio, TX 78264
HY Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

No additional details provided.

Firstmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
2023 Gold Canyon Rd
San Antonio, TX 78232 1703
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
7034 Alamo Downs Pkwy
San Antonio, TX 78238
Premier Business Checking Business
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Firstmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
2023 Gold Canyon Rd
San Antonio, TX 78232 1703
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
1 Lone Star Pass Bldg 1
San Antonio, TX 78264
Premier Checking Account
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
1 Lone Star Pass Bldg 1
San Antonio, TX 78264
Premier Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
1 Lone Star Pass Bldg 1
San Antonio, TX 78264
HY Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
1 Lone Star Pass Bldg 1
San Antonio, TX 78264
eChecking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

No additional details provided.

Firstmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
2023 Gold Canyon Rd
San Antonio, TX 78232 1703
Organization Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

No additional details provided.

Firstmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
2023 Gold Canyon Rd
San Antonio, TX 78232 1703
Business Plus Checking Business
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

No additional details provided.

Randolph Brooks FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
11432 W Loop 1604 N
San Antonio, TX 78254
Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details

No additional details provided.

GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
3635 SE Military Dr Ste 100
San Antonio, TX 78223 4078
Share Draft Checking Accounts Daily Balance Method
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details

No additional details provided.

First Commercial Bank, N.A.
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
13333 Blanco Rd
San Antonio, TX 78216
Interest Checking
0.05%
$1,500
View
▼
Rate0.05%
Min Deposit$1,500
Min Balance—
UpdatedMay 29, 2026
Details

No additional details provided.

Firstmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
2023 Gold Canyon Rd
San Antonio, TX 78232 1703
Basic Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

No additional details provided.

GREATER TEXAS
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
3635 SE Military Dr Ste 100
San Antonio, TX 78223 4078
Share Draft Checking Accounts Daily Balance Method
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedJun 1, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
1 Lone Star Pass Bldg 1
San Antonio, TX 78264
FREE Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
1 Lone Star Pass Bldg 1
San Antonio, TX 78264
FREE Checking Account
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
1 Lone Star Pass Bldg 1
San Antonio, TX 78264
Right Start Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

No additional details provided.

San Antonio High Yield Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
7034 Alamo Downs Pkwy
San Antonio, TX 78238
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Qualifying balance up to $15000

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
7034 Alamo Downs Pkwy
San Antonio, TX 78238
PowerPlusTM Checking Level 1
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Qualifying balance up to $15000

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
1 Lone Star Pass Bldg 1
San Antonio, TX 78264
HY Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

No additional details provided.

Firstmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
2023 Gold Canyon Rd
San Antonio, TX 78232 1703
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

No additional details provided.

First Commercial Bank, N.A.
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
13333 Blanco Rd
San Antonio, TX 78216
Interest Checking
0.05%
$1,500
View
▼
Rate0.05%
Min Deposit$1,500
Min Balance—
UpdatedMay 29, 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—
UpdatedMay 17, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
High Interest Checking
6.00%
$0
View
▼
Rate5.84%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Qualifying balance up to $15,000

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—
UpdatedMay 20, 2026
Details

Qualifying balance up to $15,000.00

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—
UpdatedJun 1, 2026
Details

Qualifying balance up to $25,000.00

Mobility Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.85%
Earn-It Checking
5.12%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Qualifying balance up to $15,000.00

5Point Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.94%
High-Yield Checking Account
5.00%
$0
View
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Qualifying balance up to $1,000.00

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
True Earnings Checking Account - Anticipated Dividends
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

Qualifications Met; 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—
UpdatedMay 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—
UpdatedJun 4, 2026
Details

Qualifying balance up to $25,000.00

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.30%
High Interest Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 18, 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

Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
Advantage Checking
4.00%
$500
View
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details

Up to $20,000

American State Bank (TX)
Institution Rating:
A-4.9 ★ Texas Ratio: 16.23%
iChecking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedJun 3, 2026
Details

All Balances up to $25,000 with Tiered Rates

CoastLife Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.99%
Bonus Checking Account if qualifications met)
3.56%
$0
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

up to $10,000; Qualifications Required; Qualifying balance up to $10,000.00

Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.40%
Champion Checking
3.56%
$0
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

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

Texoma Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
Cashtastic Checking
3.51%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

Qualifying balance up to $10,000.00

San Antonio Rewards Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
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—
UpdatedJun 4, 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
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

Qualifications Required; 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—
UpdatedMay 22, 2026
Details

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—
UpdatedMay 23, 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—
UpdatedMay 22, 2026
Details

Qualifying balance up to $9,999.99

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—
UpdatedJun 4, 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 $100,000.00

Texoma Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
Cash Back Checking
3.00%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

Qualifying balance up to $400.00

FNB of Hereford
Institution Rating:
B+4.7 ★ Texas Ratio: 18.40%
Reward Checking
2.52%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedJun 4, 2026
Details

Qualifying balance up to $100,000.00

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—
UpdatedJun 4, 2026
Details

Qualifying balance $25,000.01+

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—
UpdatedJun 4, 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—
UpdatedJun 4, 2026
Details

All balances if qualifications not met

FNB of Hereford
Institution Rating:
B+4.7 ★ Texas Ratio: 18.40%
Reward Checking
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedJun 4, 2026
Details

No additional details provided.

FNB of Hereford
Institution Rating:
B+4.7 ★ Texas Ratio: 18.40%
Reward Checking*
1.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedJun 4, 2026
Details

No additional details provided.

Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
Reward Checking - Qualified Accounts
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 29, 2026
Details

Qualifying balance up to $20,000.00

FNB of Hereford
Institution Rating:
B+4.7 ★ Texas Ratio: 18.40%
Reward Checking*
0.85%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedJun 4, 2026
Details

No additional details provided.

FNB of Hereford
Institution Rating:
B+4.7 ★ Texas Ratio: 18.40%
Reward Checking
0.85%
$0
View
▼
Rate0.85%
Min Deposit$0
Min Balance—
UpdatedJun 4, 2026
Details

No additional details provided.

FNB of Hereford
Institution Rating:
B+4.7 ★ Texas Ratio: 18.40%
Reward Checking
0.70%
$0
View
▼
Rate0.70%
Min Deposit$0
Min Balance—
UpdatedJun 4, 2026
Details

No additional details provided.

FNB of Hereford
Institution Rating:
B+4.7 ★ Texas Ratio: 18.40%
Reward Checking*
0.70%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedJun 4, 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—
UpdatedMay 17, 2026
Details

No additional details provided.

Telco Plus Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 13.81%
Rewards Plus Checking
0.25%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details

Qualifying balance up to $5,000.00

San Antonio Free Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Firstmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
2023 Gold Canyon Rd
San Antonio, TX 78232 1703
Basic Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
1 Lone Star Pass Bldg 1
San Antonio, TX 78264
FREE Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
1 Lone Star Pass Bldg 1
San Antonio, TX 78264
FREE Checking Account
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

No additional details provided.

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—
UpdatedJun 3, 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—
UpdatedJun 3, 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—
UpdatedJun 3, 2026
Details

No additional details provided.

Security First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.68%
Free Plus Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

No additional details provided.

Security First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.68%
Free Plus Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

No additional details provided.

Security First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.68%
Free Plus Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 17, 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—
UpdatedMay 23, 2026
Details

No additional details provided.

Southwest Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.85%
Better Than Free Checking
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 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—
UpdatedJun 1, 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—
UpdatedMay 22, 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—
UpdatedMay 20, 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—
UpdatedMay 20, 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—
UpdatedMay 20, 2026
Details

Qualifying balance up to $2,499.99

Security First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.68%
Free Plus Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 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—
UpdatedMay 17, 2026
Details

No additional details provided.

Luso American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.81%
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

San Antonio Student Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Mobility Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.85%
Youth Checking
3.04%
$25
View
▼
Rate3.00%
Min Deposit$25
Min Balance—
UpdatedMay 20, 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—
UpdatedMay 22, 2026
Details

No additional details provided.

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
True Youth Checking Account - Anticipated Dividends
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

No additional details provided.

Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.99%
Youth Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

$500 and up

Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.27%
Student Checking
0.00%
$5
View
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMay 31, 2026
Details

No additional details provided.

San Antonio Business Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
7034 Alamo Downs Pkwy
San Antonio, TX 78238
Premier Business Checking Business
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Firstmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
2023 Gold Canyon Rd
San Antonio, TX 78232 1703
Business Plus Checking Business
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 23, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
Share Drafts (Checking) Commercial Checking Business
1.51%
$700,000
View
▼
Rate1.50%
Min Deposit$700,000
Min Balance—
UpdatedMay 20, 2026
Details

$700,000 and up

Flanagan State Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
Premier Business Checking Business
1.50%
$10,000
View
▼
Rate1.49%
Min Deposit$10,000
Min Balance—
UpdatedJun 3, 2026
Details

$50,000 and Over

Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Business Plus Checking Business
0.95%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Business Plus Checking Business
0.85%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Business Plus Checking Business
0.75%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
Share Drafts (Checking) Commercial Checking Business
0.75%
$500,000
View
▼
Rate0.75%
Min Deposit$500,000
Min Balance—
UpdatedMay 20, 2026
Details

$500,000 to $699,999.99

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
Share Drafts (Checking) Simply Plus Business Checking Business
0.75%
$700,000
View
▼
Rate0.75%
Min Deposit$700,000
Min Balance—
UpdatedMay 20, 2026
Details

$700,000 and up

Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Business Plus Checking Business
0.65%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
Share Drafts (Checking) Simply Plus Business Checking Business
0.50%
$500,000
View
▼
Rate0.50%
Min Deposit$500,000
Min Balance—
UpdatedMay 20, 2026
Details

$500,000 to $699,999.99

Flanagan State Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
Premier Business Checking Business
0.50%
$10,000
View
▼
Rate0.50%
Min Deposit$10,000
Min Balance—
UpdatedJun 3, 2026
Details

$25,000 - $49,999.99

Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
Business Elite Checking Business
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
Business Checking Business
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details

No additional details provided.

Flanagan State Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
Premier Business Checking Business
0.25%
$10,000
View
▼
Rate0.25%
Min Deposit$10,000
Min Balance—
UpdatedJun 3, 2026
Details

$10,000 - $24,99.99

Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.01%
Platinum Business Checking Business
0.20%
$25
View
▼
Rate0.19%
Min Deposit$25
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.49%
Business Checking Business
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 31, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
Share Drafts (Checking) Commercial Checking Business
0.20%
$300,000
View
▼
Rate0.20%
Min Deposit$300,000
Min Balance—
UpdatedMay 20, 2026
Details

$300,000 to $499,999.99

Texas Health Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.57%
Premier Business Checking Business
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Business Checking Business
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

No additional details provided.

San Antonio, TX Checking Rate Trends

Compare local San Antonio, 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
3.343%
Unchanged vs 7 days ago

Texas high-yield checking rates currently average 3.343% APY.

Free Checking — TX Avg
1.361%
▼ 0.006 vs 7 days ago

Texas free checking rates fell 0.006 points over the past 7 days to 1.361% APY.

As of Jun 4, 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 San Antonio, 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 San Antonio, 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 San Antonio, 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 San Antonio, Texas earn interest?

Most traditional local checking accounts in San Antonio, 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 San Antonio, Texas FDIC insured?

Yes. Legitimate banks with branches in San Antonio, 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 San Antonio, Texas

Based on our current data, some of the highest checking account APYs available to residents of San Antonio, Texas include:
  • Baxter Credit Union
    PowerPlusTM Checking Level 2 — 8.00% APY
  • UNIFY Financial Federal Credit Union
    HY Checking — 4.00% APY
  • Firstmark Credit Union
    — 3.00% APY
  • Randolph Brooks FCU
    Checking — 0.05% APY
  • GREATER TEXAS
    Share Draft Checking Accounts Daily Balance Method — 0.05% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in San Antonio, Texas. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: June 4, 2026

San Antonio, Texas Rates & Resources

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