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Welcome to the Texan Way
This is a place where people are always glad to see you. A place where smiles are bigger than bank accounts and a handshake still gets the deal done. A place where you and your money will always feel at home. That's the Texan way.
About Us
Savings
Loans
Texans Two-Step Checking
Life's complicated. Banking shouldn't be. Elevate your everyday finances with the account that gives you more.
- Earn More with 3.50% APY* on your linked Texans Savings balances up to $20,000. Balances over $20,000 earn 0.01% APY.*
- Save More with two monthly out-of-network ATM fee refunds and two monthly international ATM fee refunds.*
- Do More with a checking account designed for your life.
How to Do the Texans Two-Step
Step 1
Open a Texans Two-Step Checking account and set up your qualifying direct deposit of $2,000 or more.
Step 2
Enjoy high-yield savings, ATM fee refunds, no monthly service fee, and all the benefits of Texans membership.
Open a Texans Two-Step Checking account today
APY = Annual Percentage Yield. APY is accurate as of 02/01/2026.
* 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 Standard Certificate of Deposit rate (3.50% APY as of 02/01/2026). 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. 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.
