Checking Account Rates
Texans Two-Step Checking
Elevate your banking experience with Texans Two-Step Checking. Earn more with higher interest rates on your linked Texans Savings account and enjoy exclusive Two-Step benefits. A checking account that helps you save - that's the Texan Way.
Texans Two-Step Checking Rates
Open an Account| Account Type | Minimum Opening Deposit | Dividend Rate | APY^ |
|---|---|---|---|
| Texans Two-Step Checking | $0 | 0.00% | 0.00% |
| Linked My Texans Savings1 (balances up to and including $15,000) | $5 | 3.93% | 4.00% |
| Linked My Texans Savings1 (balances over $15,000) | $5 | 0.01% | 0.01% |
My Texans Checking
The My Texans Checking account is our most popular checking account, designed to simplify your life. Perfect for everyday use, My Texans Checking offers convenient digital and mobile banking services, backed by Texans Credit Union's trusted service.
My Texans Checking Rates
Open an Account| Account Type | Minimum Opening Deposit | Dividend Rate | APY^ |
|---|---|---|---|
| My Texans Checking | $0 | 0.00% | 0.00% |
| My Texans Interest Checking2 - Grandfathered | $5 | 0.05% | 0.05% |
1 Each qualification cycle (1st of the month through last day of the month) that you have direct deposits of $4,000 or more to your Texans Two-Step Checking: (a) the monthly service fee of $15 will be waived; (b) two (2) Non-Texans ATM transaction fees of $7.50 each and two (2) International ATM transaction fees of $3.50 each incurred during the qualification cycle will be refunded to your Texans Two-Step Checking account on the first day of following month; and (c) balances on your Regular Savings account, up to $15,000, will earn the 3-month Standard Certificate of Deposit rate (4.00% APY as of 07/08/2025). Balances over $15,000 will earn the same rate as the Regular Savings account (0.01% APY as of the last dividend declaration date), resulting in 4.00% to 0.25% APY, depending on your account balance. Direct Deposit is defined as deposits via an Automated Clearing House (ACH) originated from another financial institution (ex. payroll, social security, incoming ACH from an external account). A direct deposit does not include peer-to-peer transfers from services such as PayPal, Zelle, Cash App, or Venmo, mobile check deposits, cash loans or deposits, and any deposit which Texans Credit Union deems to not be legitimate are not considered Direct Deposits. If you do not meet the direct deposit minimum, fees will not be waived, and balances in your Regular Savings will earn the same rate as the Regular Savings account (0.01% APY). Rates are variable and subject to change without notice. Limit one Texans Two-Step Checking account per member. No minimum balance required to open a Texans Two-Step Checking account. Minimum balance of $5 required to open a Regular Savings account, and a minimum balance of $25 is required to earn dividends. Fees may reduce earnings. A $2 paper statement fee will apply if not enrolled in e-statements with a valid email address.
2 Minimum daily balance of $2,500 is required to earn dividends.
^ APY - Annual Percentage Yield. Dividends on Dividend Bearing Checking Accounts will be compounded monthly and credited each calendar month. APY is accurate as of the last dividend declaration date. This is a variable rate product. The rate may change after the account is opened. Fees could reduce the earnings on the account.
