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Best Banks & Checking Accounts in Spring, Texas - March 2026

Content reviewed by
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: March 20, 2026

The best checking rates for Spring, Texas include 5Point Credit Union5Point Credit Union1021 Sawdust Rd Ste 150, Spring, TX 77380 3895A5.0 ★Texas Ratio: 6.33% High-Yield Checking Account at 6.00% APY, Texas First BankTexas First Bank16522 Stuebner Airline Rd, Spring, TX 77379A+5.0 ★Texas Ratio: 2.47% at 4.00% APY, First Community Credit Union Houston, TXFirst Community Credit Union Houston, TX2121 FM 2920 Rd, Spring, TX 77388A+5.0 ★Texas Ratio: 5.63% Money Management Checking at 0.25% APY, Texas Dow Employees Credit UnionTexas Dow Employees Credit Union5250 FM 2920 Rd Ste E, Spring, TX 77388 3002B-4.4 ★Texas Ratio: 22.42% Teen Checking Account at 0.02% APY, and Resource One Credit UnionResource One Credit Union8720 Spring Cypress Rd, Spring, TX 77379B+4.7 ★Texas Ratio: 19.00% Empower Checking at 0.00% APY.

Looking for the best checking accounts in Spring, Texas? You have two main choices: convenient local branches or high-yield online accounts.

The tables below compare the top rates available to residents of Spring, Texas, featuring both local banks and credit unions near you.

Checking account rates reflect recent market quotes and representative offers available to depositors in Spring, Texas. Checking Account Rates Last Updated and Verified: March 20, 2026

Spring, TX Checking Rate Trends

Compare local Spring, TX checking rate quotes against the statewide average

Weekly 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
1.424%
▲ 1.287 from last week

Texas high-yield checking rates rose 1.287 points this week to 1.424% APY, up from 0.138% last week.

Rewards Checking — TX Avg
2.751%
▲ 1.307 from last week

Texas rewards checking rates rose 1.307 points this week to 2.751% APY, up from 1.444% last week.

As of Mar 20, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Compare Checking Account Rates Today in Spring, 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%
1021 Sawdust Rd Ste 150
Spring, TX 77380 3895
High-Yield Checking Account
6.00%
$0
View
▼
Rate5.83%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Qualifying balance up to $15,000.00

Texas First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
16522 Stuebner Airline Rd
Spring, TX 77379
4.00%
$50
View
▼
Rate4.00%
Min Deposit$50
Min Balance—
UpdatedMar 15, 2026
Details

Qualifications Required; Qualifying balance up to $200

Texas First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
16522 Stuebner Airline Rd
Spring, TX 77379
4.00%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

cash back on everyday debit card purchases with Kasasa Cash Back� Checking!

Texas First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
16522 Stuebner Airline Rd
Spring, TX 77379
3.00%
$50
View
▼
Rate3.00%
Min Deposit$50
Min Balance—
UpdatedMar 15, 2026
Details

Qualifications Required; Qualifying balance up to $200

First Community Credit Union Houston, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 5.63%
2121 FM 2920 Rd
Spring, TX 77388
Money Management Checking
0.25%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

5Point Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
1021 Sawdust Rd Ste 150
Spring, TX 77380 3895
Rewards Share Draft (Checking)
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

5Point Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
1021 Sawdust Rd Ste 150
Spring, TX 77380 3895
Plus Share Draft (Checking)
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

5Point Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
1021 Sawdust Rd Ste 150
Spring, TX 77380 3895
50+ Share Draft (Checking)
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★ Texas Ratio: 22.42%
5250 FM 2920 Rd Ste E
Spring, TX 77388 3002
Teen Checking Account
0.02%
$1
View
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
8720 Spring Cypress Rd
Spring, TX 77379
Empower Checking
0.00%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 11, 2026
Details

No additional details provided.

Resource One Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 19.00%
8720 Spring Cypress Rd
Spring, TX 77379
CU Succeed Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 11, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
7034 Alamo Downs Pkwy
San Antonio, TX 78238
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $15000

Evolve Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
8840 Gazelle Dr
El Paso, TX 79925
ePriority Checking
7.23%
$0
View
▼
Rate7.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Rave Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
1810 N Major Dr
Beaumont, TX 77713
Checking
6.10%
$25
View
▼
Rate5.94%
Min Deposit$25
Min Balance—
UpdatedMar 18, 2026
Details

Qualifications Required: $1,500 in direct deposit transactions per month; 20 combined debit card or credit card purchases or bill payments per month; Log in to the Mobile App or Online Account Access at least once per month; Go Paperless with eStatements; Qualifying balance up to $35,000.00

Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
306 E 10th St
Austin, TX 78701
High Interest Checking
6.00%
$0
View
▼
Rate5.84%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifying balance up to $15,000

Cosden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
400 E MARCY DR
BIG SPRING, TX 79720 5714
Kasasa Cash Checking
6.00%
$25
View
▼
Rate6.00%
Min Deposit$25
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Cosden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
400 E MARCY DR
BIG SPRING, TX 79720 5714
Kasasa Cash Back Checking
6.00%
$25
View
▼
Rate6.00%
Min Deposit$25
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

DUGOOD
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—
UpdatedMar 13, 2026
Details

Qualifying balance up to $25,000.00

Mobility Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.61%
8384 N Belt Line Rd
Irving, TX 75063 6006
Earn-It Checking
5.12%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $15,000.00

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
1 Valero Way
San Antonio, TX 78249 1616
Rewards Cash Checking Account
5.12%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

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%
1021 Sawdust Rd Ste 150
Spring, TX 77380 3895
High-Yield Checking Account
6.00%
$0
View
▼
Rate5.83%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Qualifying balance up to $15,000.00

Texas First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
16522 Stuebner Airline Rd
Spring, TX 77379
4.00%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

cash back on everyday debit card purchases with Kasasa Cash Back� Checking!

Texas First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
16522 Stuebner Airline Rd
Spring, TX 77379
4.00%
$50
View
▼
Rate4.00%
Min Deposit$50
Min Balance—
UpdatedMar 15, 2026
Details

Qualifications Required; Qualifying balance up to $200

Texas First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
16522 Stuebner Airline Rd
Spring, TX 77379
3.00%
$50
View
▼
Rate3.00%
Min Deposit$50
Min Balance—
UpdatedMar 15, 2026
Details

Qualifications Required; Qualifying balance up to $200

5Point Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
1021 Sawdust Rd Ste 150
Spring, TX 77380 3895
Plus Share Draft (Checking)
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
7034 Alamo Downs Pkwy
San Antonio, TX 78238
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $15000

Evolve Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
8840 Gazelle Dr
El Paso, TX 79925
ePriority Checking
7.23%
$0
View
▼
Rate7.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Rave Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.72%
1810 N Major Dr
Beaumont, TX 77713
Checking
6.10%
$25
View
▼
Rate5.94%
Min Deposit$25
Min Balance—
UpdatedMar 18, 2026
Details

Qualifications Required: $1,500 in direct deposit transactions per month; 20 combined debit card or credit card purchases or bill payments per month; Log in to the Mobile App or Online Account Access at least once per month; Go Paperless with eStatements; Qualifying balance up to $35,000.00

Public Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
306 E 10th St
Austin, TX 78701
High Interest Checking
6.00%
$0
View
▼
Rate5.84%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifying balance up to $15,000

Cosden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
400 E MARCY DR
BIG SPRING, TX 79720 5714
Kasasa Cash Checking
6.00%
$25
View
▼
Rate6.00%
Min Deposit$25
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Cosden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
400 E MARCY DR
BIG SPRING, TX 79720 5714
Kasasa Cash Back Checking
6.00%
$25
View
▼
Rate6.00%
Min Deposit$25
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

DUGOOD
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—
UpdatedMar 13, 2026
Details

Qualifying balance up to $25,000.00

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
1 Valero Way
San Antonio, TX 78249 1616
Rewards Cash Checking Account
5.12%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Mobility Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.61%
8384 N Belt Line Rd
Irving, TX 75063 6006
Earn-It Checking
5.12%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $15,000.00

Truity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
925 N Eldridge Pkwy Rm EC4 01 N 314
Houston, TX 77079 2703
High Yield Checking
5.00%
$0
View
▼
Rate4.88%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifying balance up to $5,000.00

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
8929 Shoal Creek Blvd
Austin, TX 78757
True Earnings Checking Account - Anticipated Dividends
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 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%
8929 Shoal Creek Blvd
Austin, TX 78757
True Earnings Checking Account
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Qualifying balance up to $15,000.00

Keystone Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
11500 Bee Caves Rd Ste 150
Austin, TX 78738
Keystone Rewards Checking
4.75%
$0
View
▼
Rate4.65%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $50,000.00

Essential Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.36%
1199 Pasadena Blvd
Pasadena, TX 77501
Rewards Checking - Qualify
4.75%
$0
View
▼
Rate4.75%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

Qualifying balance up to $10,000.00

Keystone Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
11500 Bee Caves Rd Ste 150
Austin, TX 78738
Keystone Rewards Checking*
4.75%
$0
View
▼
Rate4.65%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $50,000.00

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Texas First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
16522 Stuebner Airline Rd
Spring, TX 77379
4.00%
$50
View
▼
Rate4.00%
Min Deposit$50
Min Balance—
UpdatedMar 15, 2026
Details

Qualifications Required; Qualifying balance up to $200

Texas First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
16522 Stuebner Airline Rd
Spring, TX 77379
4.00%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

cash back on everyday debit card purchases with Kasasa Cash Back� Checking!

Texas First Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.47%
16522 Stuebner Airline Rd
Spring, TX 77379
3.00%
$50
View
▼
Rate3.00%
Min Deposit$50
Min Balance—
UpdatedMar 15, 2026
Details

Qualifications Required; Qualifying balance up to $200

5Point Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
1021 Sawdust Rd Ste 150
Spring, TX 77380 3895
Rewards Share Draft (Checking)
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Cosden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
400 E MARCY DR
BIG SPRING, TX 79720 5714
Kasasa Cash Back Checking
6.00%
$25
View
▼
Rate6.00%
Min Deposit$25
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Cosden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
400 E MARCY DR
BIG SPRING, TX 79720 5714
Kasasa Cash Checking
6.00%
$25
View
▼
Rate6.00%
Min Deposit$25
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Synergy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
1 Valero Way
San Antonio, TX 78249 1616
Rewards Cash Checking Account
5.12%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Essential Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.36%
1199 Pasadena Blvd
Pasadena, TX 77501
Rewards Checking - Qualify
4.75%
$0
View
▼
Rate4.75%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

Qualifying balance up to $10,000.00

Keystone Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
11500 Bee Caves Rd Ste 150
Austin, TX 78738
Keystone Rewards Checking
4.75%
$0
View
▼
Rate4.65%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $50,000.00

Keystone Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
11500 Bee Caves Rd Ste 150
Austin, TX 78738
Keystone Rewards Checking*
4.75%
$0
View
▼
Rate4.65%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $50,000.00

InTouch Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
5640 Democracy Dr
Plano, TX 75024
High-Yield Rewards* Checking Tier 4
4.24%
$0
View
▼
Rate4.16%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

InTouch Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
5640 Democracy Dr
Plano, TX 75024
High-Yield Rewards Checking (HYRC)
4.24%
$0
View
▼
Rate4.16%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required; Qualifying balance up to $2,500.00

City Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
1501 W University Blvd
Odessa, TX 79764
Reward Checking Tier # 2
4.15%
$50
View
▼
Rate4.07%
Min Deposit$50
Min Balance—
UpdatedMar 18, 2026
Details

Qualifications Required

Texas Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
1120 Us Highway 79 N
Henderson, TX 75652
Texas Reward Checking
4.07%
$25
View
▼
Rate4.00%
Min Deposit$25
Min Balance—
UpdatedMar 15, 2026
Details

Qualifying balance up to $25,000

Gulf Coast Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 21.32%
2633 Rodd Field Rd
Corpus Christi, TX 78414 3145
Kasasa Reward Checking
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

Qualifying balance up to $25,000.00

Access Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
6401 Bell St
Amarillo, TX 79109
Rewards Checking
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Allied Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
909 W Sanford St
ARLINGTON, TX 76012 5032
Rewards Checking
3.04%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

Qualifying balance up to $9,999.99

Community Resource Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.53%
2900 Decker Dr
Baytown, TX 77520 2076
Reward Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifications Required; Qualifying balance up to $20,000.00

Carter Federal Credit Union
Institution Rating:
D3.6 ★ Texas Ratio: 31.89%
603 S Adams St Ste 10A
Fort Worth, TX 76104 3023
Carter Cash Back Checking
3.00%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No minimum balance required

Texoma Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
3800 Sheppard Access Rd
Wichita Falls, TX 76306
Cash Back Checking
3.00%
$100
View
▼
Rate3.00%
Min Deposit$100
Min Balance—
UpdatedMar 17, 2026
Details

Qualifications Required: 1 direct deposit, bill pay, or ACH payment transaction post and settle; 10 signature-based or PIN-based debit card purchases, each greater than $10, post and settle; e-statements enrollment; Cash back earned on up to $400 in purchases monthly; Earn up to $144 cash back per year, $12 per month; Refunds on ATM withdrawal fees, nationwide (up to $10 monthly)*

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%
2600 Dallas Pkwy
Frisco, TX 75034
Freedom Checking
0.80%
$0
View
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

First Liberty Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
2600 Dallas Pkwy
Frisco, TX 75034
Freedom Checking
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

First Liberty Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.25%
2600 Dallas Pkwy
Frisco, TX 75034
Freedom Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Security First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
3700 N 12th St
McAllen, TX 78501
Free Plus Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Henderson FSB
Institution Rating:
A+5.0 ★ Texas Ratio: 5.79%
130 N Marshall St
Henderson, TX 75652
Freedom Checking Account
0.20%
$500
View
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Security First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
3700 N 12th St
McAllen, TX 78501
Free Plus Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifying balance up to $99,999.99

Security First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.36%
3700 N 12th St
McAllen, TX 78501
Free Plus Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifying balance up to $24,999.99

GECU Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.97%
7227 Viscount Blvd
El Paso, TX 79925
Free2Be checking account
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

(16-17 years old)

Access Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
6401 Bell St
Amarillo, TX 79109
Access Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Broadway Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
1177 Ne Loop 410
San Antonio, TX 78209
Private Access Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Broadway Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
1177 Ne Loop 410
San Antonio, TX 78209
Free Checking
0.05%
$25
View
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

DUGOOD
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—
UpdatedMar 13, 2026
Details

No additional details provided.

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
2421 Westport Pkwy Ste 1300
Fort Worth, TX 76177 5311
Basic Checking
0.03%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Firstmark Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.95%
2023 Gold Canyon Rd
San Antonio, TX 78232 1703
Basic Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Unity One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.97%
6701 Burlington Blvd
Fort Worth, TX 76131
Best Free Checking
0.01%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Nusenda Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.72%
4849 N Mesa St
El Paso, TX 79912
Essential Personal Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Luso American Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
975 William D Tate Ave
Grapevine, TX 76051 4097
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

4U Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.99%
1312 Lawrence St
Gainesville, TX 76240
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Rally Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.21%
5725 Spohn Dr
Corpus Christi, TX 78414 4117
Simple Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Essential Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.36%
1199 Pasadena Blvd
Pasadena, TX 77501
Simple Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Texas Dow Employees Credit Union
Institution Rating:
B-4.4 ★ Texas Ratio: 22.42%
5250 FM 2920 Rd Ste E
Spring, TX 77388 3002
Teen Checking Account
0.02%
$1
View
▼
Rate0.00%
Min Deposit$1
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Mobility Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.61%
8384 N Belt Line Rd
Irving, TX 75063 6006
Youth Checking
3.04%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Fort Worth City Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.28%
2309 Montgomery St
Fort Worth, TX 76107 4520
CU Varsity Youth Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Barksdale Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.16%
1507 Pine Tree Rd
Longview, TX 75604 2350
Student Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Educators Credit Union Waco, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
100 BOLLING Dr
WACO, TX 76705
College Choice Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Valwood Park Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.59%
1001 E Crosby Rd
Carrollton, TX 75006 7260
Teen Checking
0.10%
$25
View
▼
Rate0.10%
Min Deposit$25
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

First Central Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.49%
6201 Sanger Ave
Waco, TX 76710
Student Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.16%
8929 Shoal Creek Blvd
Austin, TX 78757
True Youth Checking Account - Anticipated Dividends
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Texas DPS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
621 W Saint Johns Ave
Austin, TX 78752 2315
Youth Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Amoco Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.48%
2300 Texas Ave
Texas City, TX 77590
Youth Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Account Balance: $500 and up

Brazos Valley Schools Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.59%
2455 Stringer St
Brenham, TX 77833
Student Checking
0.00%
$5
View
▼
Rate0.00%
Min Deposit$5
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Texas DPS Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.51%
621 W Saint Johns Ave
Austin, TX 78752 2315
Youth Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 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
Student Checking
0.00%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Citizens National Bank Cameron, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
118 S Houston Ave
Cameron, TX 76520
Business Advantage Plus Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Skyone Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.07%
209 State Highway 121 BYP
Lewisville, TX 75067 4151
Fiduciary Business Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

InTouch Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
5640 Democracy Dr
Plano, TX 75024
Business High-Yield Checking
1.74%
$0
View
▼
Rate1.73%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Tier 3

Texas Exchange Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
109 N Crowley Rd
Crowley, TX 76036
Business Interest Checking
1.72%
$0
View
▼
Rate1.71%
Min Deposit$0
Min Balance—
UpdatedMar 15, 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
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Flanagan State Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
301 E Palestine Ave
Palestine, TX 75801
Premier Business Checking
1.50%
$10,000
View
▼
Rate1.49%
Min Deposit$10,000
Min Balance—
UpdatedMar 20, 2026
Details

Minimum Deposit to Open and Obtain APY*: $50,000 and Over

InTouch Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
5640 Democracy Dr
Plano, TX 75024
Business High-Yield Checking
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Tier 2

Citizens National Bank Cameron, TX
Institution Rating:
A+5.0 ★ Texas Ratio: 1.72%
118 S Houston Ave
Cameron, TX 76520
Business Advantage Plus Checking
1.00%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy
Austin, TX 78758
Business Plus Checking
0.95%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy
Austin, TX 78758
Business Plus Checking
0.85%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 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
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 15, 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
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy
Austin, TX 78758
Business Plus Checking
0.75%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Cosden Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
400 E MARCY DR
BIG SPRING, TX 79720 5714
Business Checking Accounts
0.75%
$100
View
▼
Rate0.75%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Capitol Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
11920 Alterra Pkwy
Austin, TX 78758
Business Plus Checking
0.65%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Carter Federal Credit Union
Institution Rating:
D3.6 ★ Texas Ratio: 31.89%
603 S Adams St Ste 10A
Fort Worth, TX 76104 3023
Commercial Checking
0.55%
$0
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMar 18, 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
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Texas Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
1120 Us Highway 79 N
Henderson, TX 75652
Business Interest Checking
0.50%
$100
View
▼
Rate0.50%
Min Deposit$100
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Flanagan State Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.36%
301 E Palestine Ave
Palestine, TX 75801
Premier Business Checking
0.50%
$10,000
View
▼
Rate0.50%
Min Deposit$10,000
Min Balance—
UpdatedMar 20, 2026
Details

Minimum Deposit to Open and Obtain APY*: $25,000 - $49,999.99

InTouch Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.50%
5640 Democracy Dr
Plano, TX 75024
Business High-Yield Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Tier 1

Methodology & Data Sources

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Spring, 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 Spring, 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 Spring, Texas earn interest?

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

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

Based on our current data, some of the highest checking account APYs available to residents of Spring, Texas include:
  • 5Point Credit Union
    High-Yield Checking Account — 6.00% APY
  • Texas First Bank
    — 4.00% APY
  • First Community Credit Union Houston, TX
    Money Management Checking — 0.25% APY
  • Texas Dow Employees Credit Union
    Teen Checking Account — 0.02% APY
  • Resource One Credit Union
    Empower Checking — 0.00% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Spring, Texas. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: March 20, 2026

Spring, Texas Rates & Resources

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