Checking Account Rates
| Account Type | Minimum Opening Deposit | Dividend Rate | APY^ |
|---|---|---|---|
| My Texans Checking | $1 | 0.00% | 0.00% |
| Cash Back Account | $1 | 0.00% | 0.00% |
| Texans Two-Step Checking | $1 | 0.00% | 0.00% |
| My Texans Savings1 with Texans Two-Step Checking (balances up to and including $20,000) | $5 | 3.45% | 3.50% |
| My Texans Savings1 with Texans Two-Step Checking (balances over $20,000) | $5 | 0.01% | 0.01% |
Ignite Spending for Kids & Teens2 |
$1 | 0.00% | 0.00% |
| Account Type | Minimum Opening Deposit | Dividend Rate | APY^ |
|---|---|---|---|
| My Texans Interest Checking3 | N/A | 0.05% | 0.05% |
| Premier Checking (balances up to and including $25,000)4 | N/A | 4.89% | 5.00% |
| Premier Checking (balances over $25,000) | N/A | 0.00% | 0.00% |
| Galaxy (GX) Checking | N/A | 0.00% | 0.00% |
^ 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.
1 Each qualification cycle (1st of the month through last day of the month) that you have direct deposits of $2,000 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 $20,000, will earn the 3-month Certificate of Deposit rate (3.50% APY as of 02/23/2026). Balances over $20,000 will earn the same rate as the Regular Savings account (0.01% APY as of the last dividend declaration date), resulting in 3.50% to 0.29% 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. Minimum balance of $1 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 Available to members ages 0 through 17 and may be maintained until age 22. Account must have an open Ignite Savings Account.. Limit one Ignite Spending Account per member. Upon the member’s 22nd birthday, the Ignite Spending Account will automatically be converted to Texans Cash Back Account. A $2 paper statement fee will apply if not enrolled in eStatements.
3 Minimum daily balance of $2,500 is required to earn dividends.
4 Must complete a minimum of 15 transactions during each calendar month using your debit card linked to the Premier Checking Account to earn dividends. If less than 15 transactions are completed, no dividends will be earned for that calendar month. A calendar month starts on the first day and ends on the last day of each month. Balances on your Premier Checking Account, up to $25,000, will earn 4.89% APY as of 05/01/2026. Balances over $25,000 will not earn any rate (0.00% APY), resulting in 5.00% to 0.50% APY, depending on your account balance.
