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Best Banks & Checking Accounts in Beaumont, Texas - May 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: May 4, 2026

The best checking rates for Beaumont, Texas include 5Point Credit Union5Point Credit Union4005 Dowlen Rd, Beaumont, TX 77706 6850A5.0 ★Texas Ratio: 6.33% High-Yield Checking Account at 6.00% APY, DuGood Federal Credit UnionDuGood Federal Credit Union7505 Eastex Fwy Ste B, Beaumont, TX 77708F2.8 ★Texas Ratio: 41.67% Hi-Yield Checking Account at 6.00% APY, Public Employees Credit UnionPublic Employees Credit Union4215 Eastex Fwy, Beaumont, TX 77706A+5.0 ★Texas Ratio: 1.12% High Interest Checking at 6.00% APY, Rave Financial Credit UnionRave Financial Credit Union1810 N Major Dr, Beaumont, TX 77713A+5.0 ★Texas Ratio: 3.72% Checking Account at 0.50% APY, and Neches Federal Credit UnionNeches Federal Credit Union1955 Dowlen Rd, Beaumont, TX 77706 3330A+5.0 ★Texas Ratio: 1.48% nPower Checking Account at 0.10% APY. Checking account rates as of May 4, 2026 according to verified data from MonitorBankRates.

Beaumont has 8 local institutions in our database, with checking rates as high as 6.00% APY from 5Point Credit Union at 4005 Dowlen Rd, Beaumont, TX, 77706 6850. 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 Beaumont, Texas. Checking Account Rates Last Updated and Verified: May 4, 2026

Compare Checking Account Rates Today in Beaumont, 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%
4005 Dowlen Rd
Beaumont, TX 77706 6850
High-Yield Checking Account
6.00%
$0
View
▼
Rate5.83%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Qualifying balance up to $15,000.00

DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 41.67%
7505 Eastex Fwy Ste B
Beaumont, TX 77708
Hi-Yield Checking Account
6.00%
$0
View
▼
Rate5.84%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Qualifying balance up to $25,000.00

Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
4215 Eastex Fwy
Beaumont, TX 77706
High Interest Checking
6.00%
$0
View
▼
Rate5.84%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $15,000

Rave Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
1810 N Major Dr
Beaumont, TX 77713
Checking Account
0.50%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMay 2, 2026
Details

Balances $35,000.01 and up

5Point Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
4005 Dowlen Rd
Beaumont, TX 77706 6850
Rewards Share Draft (Checking)
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

5Point Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
4005 Dowlen Rd
Beaumont, TX 77706 6850
50+ Share Draft (Checking)
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

5Point Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
4005 Dowlen Rd
Beaumont, TX 77706 6850
Plus Share Draft (Checking)
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1955 Dowlen Rd
Beaumont, TX 77706 3330
nPower Checking Account
0.10%
$5
View
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedApr 25, 2026
Details

Earn Interest; Must maintain a minimum ADB of $50.00 to obtain the disclosed APY.

Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1955 Dowlen Rd
Beaumont, TX 77706 3330
nPower Youth Checking
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

No additional details provided.

Beaumont Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
660 S M L King Jr Pkwy
Beaumont, TX 77701
Share Draft (Checking)
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
4215 Eastex Fwy
Beaumont, TX 77706
Checking Account
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Common Cents Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.15%
8109 Smith Rd
Beaumont, TX 77705 6108
Share Draft Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

All Balances

DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 41.67%
7505 Eastex Fwy Ste B
Beaumont, TX 77708
Basic Checking Account
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Sabine Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.89%
8255 Gladys Ave
Beaumont, TX 77706 4004
Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

With minimum balance of $2,500

DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 41.67%
7505 Eastex Fwy Ste B
Beaumont, TX 77708
Advantage Checking Account
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 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—
UpdatedMay 2, 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

Mobility Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.61%
Earn-It Checking
5.12%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Qualifying balance up to $15,000.00

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 27, 2026
Details

Qualifying ($0.01-$10,000)

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

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
4215 Eastex Fwy
Beaumont, TX 77706
High Interest Checking
6.00%
$0
View
▼
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%
4005 Dowlen Rd
Beaumont, TX 77706 6850
High-Yield Checking Account
6.00%
$0
View
▼
Rate5.83%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Qualifying balance up to $15,000.00

DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 41.67%
7505 Eastex Fwy Ste B
Beaumont, TX 77708
Hi-Yield Checking Account
6.00%
$0
View
▼
Rate5.84%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Qualifying balance up to $25,000.00

5Point Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
4005 Dowlen Rd
Beaumont, TX 77706 6850
Plus Share Draft (Checking)
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 41.67%
7505 Eastex Fwy Ste B
Beaumont, TX 77708
Advantage Checking Account
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 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—
UpdatedMay 2, 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

Mobility Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.61%
Earn-It Checking
5.12%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Qualifying balance up to $15,000.00

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 27, 2026
Details

Qualifying ($0.01-$10,000)

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—
UpdatedMay 3, 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 3, 2026
Details

Qualifications Required; 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—
UpdatedMay 2, 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
View
▼
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
View
▼
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
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

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—
UpdatedMay 2, 2026
Details

Qualifying balance up to $10,000.00

Southwest Heritage Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
Champion Checking (qualifications met)
3.56%
$0
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

Interest paid monthly

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

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%
4005 Dowlen Rd
Beaumont, TX 77706 6850
Rewards Share Draft (Checking)
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 2, 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 27, 2026
Details

Qualifying ($0.01-$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—
UpdatedMay 3, 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 3, 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.

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—
UpdatedMay 3, 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—
UpdatedMay 2, 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—
UpdatedMay 2, 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 27, 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.

CoastLife Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.60%
Cash Back Debit Checking Account
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Texoma Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
Cash Back Checking Non-Qualifying Accounts
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 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
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details

No additional details provided.

Beacon Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
Reward Checking - Non-Qualified Accounts
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 41.67%
7505 Eastex Fwy Ste B
Beaumont, TX 77708
Basic Checking Account
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 2, 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—
UpdatedMay 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—
UpdatedMay 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—
UpdatedMay 3, 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.

Henderson FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 5.79%
Freedom Checking Account
0.20%
$500
View
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedMay 4, 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.

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 27, 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—
UpdatedMay 2, 2026
Details

No additional details provided.

Firstmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
Basic Checking
0.01%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 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 27, 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—
UpdatedMay 2, 2026
Details

No additional details provided.

Rally Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.21%
Simple Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 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 27, 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
Neches Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1955 Dowlen Rd
Beaumont, TX 77706 3330
nPower Youth Checking
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

No additional details provided.

Mobility Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.61%
Youth Checking
3.04%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 2, 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
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedApr 27, 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%
1810 N Major Dr
Beaumont, TX 77713
Business Checking Account
0.50%
$100
View
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 41.67%
7505 Eastex Fwy Ste B
Beaumont, TX 77708
Business Checking Account
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Education First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
740 Fannin St
Beaumont, TX 77701
Business Plus Checking Account
0.05%
$500
View
▼
Rate0.05%
Min Deposit$500
Min Balance—
UpdatedApr 27, 2026
Details

Monthly Fee: $25*; 300 free transactions monthly*

MCT Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
3950 Dowlen Rd
Beaumont, TX 77706
Business Checking Account
0.05%
$5
View
▼
Rate0.05%
Min Deposit$5
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

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—
UpdatedMay 3, 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.

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.

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

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

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—
UpdatedMay 3, 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—
UpdatedMay 2, 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—
UpdatedMay 2, 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—
UpdatedMay 3, 2026
Details

No additional details provided.

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—
UpdatedMay 2, 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

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
Simply Plus Business Checking to $499,999.99
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

$300,000

Beaumont, TX Checking Rate Trends

Compare local Beaumont, 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
3.185%
▲ 0.221 vs 7 days ago

Texas high-yield checking rates rose 0.221 points over the past 7 days to 3.185% APY.

Free Checking — TX Avg
1.372%
▲ 0.033 vs 7 days ago

Texas free checking rates rose 0.033 points over the past 7 days to 1.372% APY.

As of May 5, 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 Beaumont, 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 Beaumont, 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 Beaumont, Texas earn interest?

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

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

Based on our current data, some of the highest checking account APYs available to residents of Beaumont, Texas include:
  • 5Point Credit Union
    High-Yield Checking Account — 6.00% APY
  • DuGood Federal Credit Union
    Hi-Yield Checking Account — 6.00% APY
  • Public Employees Credit Union
    High Interest Checking — 6.00% APY
  • Rave Financial Credit Union
    Checking Account — 0.50% APY
  • Neches Federal Credit Union
    nPower Checking Account — 0.10% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Beaumont, Texas. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: May 4, 2026

Beaumont, Texas Rates & Resources

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