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

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Brian McKay Brian McKay
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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 7, 2026

The best checking rates for Houston, Texas include Synergy Federal Credit UnionSynergy Federal Credit Union9701 Manchester St, Houston, TX 77012 2408A+5.0 ★Texas Ratio: 0.96% Rewards Cash Checking Account at 5.12% APY, Amoco Federal Credit UnionAmoco Federal Credit Union1800 Space Park Dr, Houston, TX 77058A5.0 ★Texas Ratio: 6.48% Advantage Checking at 4.00% APY, Premier America Credit UnionPremier America Credit Union2001 Rankin Rd, Houston, TX 77073 5114A5.0 ★Texas Ratio: 9.61% Premier Plus Checking at 3.50% APY, PrimeWay Federal Credit UnionPrimeWay Federal Credit Union100 Dominion Park Dr, Houston, TX 77090 6716A5.0 ★Texas Ratio: 7.71% Best Checking at 2.00% APY, and Texas Bay Credit UnionTexas Bay Credit Union12611 Fuqua St, Houston, TX 77034A5.0 ★Texas Ratio: 8.99% Share Drafts (Checking) to $499,999.99 at 0.00% APY. Checking account rates as of May 7, 2026 according to verified data from MonitorBankRates.

Houston has 23 local institutions in our database, with checking rates as high as 5.12% APY from Synergy Federal Credit Union at 9701 Manchester St, Houston, TX, 77012 2408. 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: May 7, 2026

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

Institutions:
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%
9701 Manchester St
Houston, TX 77012 2408
Rewards Cash Checking Account
5.12%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Qualifying balance up to $10,000.00

Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
1800 Space Park Dr
Houston, TX 77058
Advantage Checking
4.00%
$500
View
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details

Qualifying balance up to $20,000

Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd
Houston, TX 77073 5114
Premier Plus Checking
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
100 Dominion Park Dr
Houston, TX 77090 6716
Best Checking
2.00%
$25
View
▼
Rate1.98%
Min Deposit$25
Min Balance—
UpdatedMay 6, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St
Houston, TX 77034
Commercial Checking and up Business
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

$700,000

PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
100 Dominion Park Dr
Houston, TX 77090 6716
Best Checking
1.00%
$25
View
▼
Rate0.99%
Min Deposit$25
Min Balance—
UpdatedMay 6, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St
Houston, TX 77034
Commercial Checking to $699,999.99 Business
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%
12611 Fuqua St
Houston, TX 77034
Simply Plus Business Checking and up Business
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

$700,000

Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
1600 Memorial Dr
Houston, TX 77007 7702
Silver Star Checking - Members 55 Years of Age or Older
0.50%
$25
View
▼
Rate0.50%
Min Deposit$25
Min Balance—
UpdatedMay 6, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St
Houston, TX 77034
Simply Plus Business Checking to $699,999.99 Business
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

$500,000

Houston Police Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
1600 Memorial Dr
Houston, TX 77007 7702
Dividend & Estate Checking
0.50%
$25
View
▼
Rate0.50%
Min Deposit$25
Min Balance—
UpdatedMay 6, 2026
Details

No additional details provided.

Harris County Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.10%
1400 Franklin St
Houston, TX 77002 2147
PREMIER SH DRFT CHECKING
0.35%
$5,000
View
▼
Rate0.00%
Min Deposit$5,000
Min Balance—
UpdatedMay 6, 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—
UpdatedMay 2, 2026
Details

No additional details provided.

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 5.63%
3200 S Dairy Ashford Rd
Houston, TX 77082 2319
Money Management Checking
0.25%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Members Trust of the Southwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
2315 Mangum Rd
Houston, TX 77092
Share Draft (Checking)
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

No additional details provided.

Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd
Houston, TX 77073 5114
Platinum Business Checking Business
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%
12611 Fuqua St
Houston, TX 77034
Commercial Checking to $499,999.99 Business
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%
12611 Fuqua St
Houston, TX 77034
Simply Plus Business Checking to $499,999.99 Business
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

$300,000

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St
Houston, TX 77034
Commercial Checking to $299,999.99 Business
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

$50,000

ADVANCIAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
845 N Eldridge Pkwy
Houston, TX 77079
Ultimate Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 2, 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%
9701 Manchester St
Houston, TX 77012 2408
Rewards Cash Checking Account
5.12%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Qualifying balance up to $10,000.00

Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
1800 Space Park Dr
Houston, TX 77058
Advantage Checking
4.00%
$500
View
▼
Rate3.93%
Min Deposit$500
Min Balance—
UpdatedMay 6, 2026
Details

Qualifying balance up to $20,000

Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd
Houston, TX 77073 5114
Premier Plus Checking
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
100 Dominion Park Dr
Houston, TX 77090 6716
Best Checking
2.00%
$25
View
▼
Rate1.98%
Min Deposit$25
Min Balance—
UpdatedMay 6, 2026
Details

No additional details provided.

PrimeWay Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.71%
100 Dominion Park Dr
Houston, TX 77090 6716
Best Checking
1.00%
$25
View
▼
Rate0.99%
Min Deposit$25
Min Balance—
UpdatedMay 6, 2026
Details

No additional details provided.

BP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
15455 Memorial Dr Ste 200
Houston, TX 77079 4136
Interest Bearing Checking
0.08%
$0
View
▼
Rate0.08%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

Gulf Coast Educators Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
14243 E Sam Houston Pkwy N Ste 100
Houston, TX 77044
Advantage Checking Account
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

No additional details provided.

University Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.47%
7000 Fannin St
Houston, TX 77030
Premium Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 4, 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—
UpdatedMay 6, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 41.67%
Hi-Yield Checking Account
6.00%
$0
View
▼
Rate5.84%
Min Deposit$0
Min Balance—
UpdatedMay 2, 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
View
▼
Rate5.83%
Min Deposit$0
Min Balance—
UpdatedMay 2, 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
View
▼
Rate5.84%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $15,000

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

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—
UpdatedMay 6, 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—
UpdatedMay 6, 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 5, 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—
UpdatedMay 5, 2026
Details

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—
UpdatedMay 7, 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%
9701 Manchester St
Houston, TX 77012 2408
Rewards Cash Checking Account
5.12%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Qualifying balance up to $10,000.00

FNB of Hereford
Institution Rating:
B+4.7 ★ Texas Ratio: 18.40%
Reward Checking
4.07%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 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 5, 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—
UpdatedMay 6, 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—
UpdatedMay 7, 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—
UpdatedMay 5, 2026
Details

Qualifications Required; Qualifying balance up to $100,000.00

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—
UpdatedMay 6, 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
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Qualifications Required; 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
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

5Point Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
Rewards Share Draft (Checking)
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 2, 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.

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.

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—
UpdatedMay 5, 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 5, 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 5, 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—
UpdatedMay 6, 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—
UpdatedMay 6, 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—
UpdatedMay 6, 2026
Details

No additional details provided.

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

No additional details provided.

DuGood Federal Credit Union
Institution Rating:
F2.8 ★ Texas Ratio: 41.67%
Basic Checking Account
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 2, 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—
UpdatedMay 7, 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.

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—
UpdatedMay 7, 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—
UpdatedMay 7, 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—
UpdatedMay 6, 2026
Details

No additional details provided.

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
Essential Personal Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 6, 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.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
1800 Space Park Dr
Houston, TX 77058
Youth Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

$500 and up

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
▼
Rate0.10%
Min Deposit$25
Min Balance—
UpdatedMay 7, 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—
UpdatedMay 6, 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%
12611 Fuqua St
Houston, TX 77034
Commercial Checking and up Business
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

$700,000

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St
Houston, TX 77034
Simply Plus Business Checking and up Business
0.75%
$0
View
▼
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%
12611 Fuqua St
Houston, TX 77034
Commercial Checking to $699,999.99 Business
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%
12611 Fuqua St
Houston, TX 77034
Simply Plus Business Checking to $699,999.99 Business
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

$500,000

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St
Houston, TX 77034
Commercial Checking to $499,999.99 Business
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

$300,000

Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
2001 Rankin Rd
Houston, TX 77073 5114
Platinum Business Checking Business
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%
12611 Fuqua St
Houston, TX 77034
Simply Plus Business Checking to $499,999.99 Business
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

$300,000

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St
Houston, TX 77034
Simply Plus Business Checking to $299,999.99 Business
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

$50,000

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St
Houston, TX 77034
Commercial Checking to $299,999.99 Business
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

$50,000

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—
UpdatedMay 5, 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—
UpdatedMay 5, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St
Houston, TX 77034
Commercial Checking to $49,999.99 Business
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

$1,000

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St
Houston, TX 77034
Simply Plus Business Checking to $49,999.99 Business
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

$1,000

ADVANCIAL
Institution Rating:
A+5.0 ★ Texas Ratio: 0.31%
845 N Eldridge Pkwy
Houston, TX 77079
Business Rewards Checking Business
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMay 2, 2026
Details

No additional details provided.

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
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—
UpdatedMay 7, 2026
Details

No additional details provided.

Houston Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.55%
777 N Eldridge Pkwy Ste 150
Houston, TX 77079 4416
Classic Business Checking Business
0.02%
$0
View
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

OWB One World Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
10080 Bellaire Blvd Ste 101
Houston, TX 77072
NOW Checking / NOW Business Business
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St
Houston, TX 77034
Simply Business Checking to $299,999.99 Business
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

$50,000

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St
Houston, TX 77034
Simply Business Checking to $49,999.99 Business
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

$1,000

Texas Bay Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.99%
12611 Fuqua St
Houston, TX 77034
Simply Business Checking to $499,999.99 Business
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

$300,000

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
3.727%
▲ 0.763 vs 7 days ago

Texas high-yield checking rates rose 0.763 points over the past 7 days to 3.727% APY.

Free Checking — TX Avg
1.361%
▲ 0.022 vs 7 days ago

Texas free checking rates rose 0.022 points over the past 7 days to 1.361% APY.

As of May 8, 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 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 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 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:
  • Synergy Federal Credit Union
    Rewards Cash Checking Account — 5.12% 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
  • Texas Bay Credit Union
    Share Drafts (Checking) to $499,999.99 — 0.00% 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: May 7, 2026

Houston, Texas Rates & Resources

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