APY = Annual Percentage Yield. APY is accurate as of 12/01/2025.

* 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 (3.75% APY as of 12/01/2025). 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 3.75% to 0.31% 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.

** 1 To receive up to $300 for the New Checking Account bonus, open a new checking account, deposit $500 or more into the account, and set up direct deposit to the new account totaling $2,000 or more. Texans will deposit $100 into your new checking account after a total of $500 or more in deposits are received within 30 days of account opening. Texans will deposit $200 after a total of $2,000 or more in Qualifying Direct Deposits are received into the new checking account within 90 days of account opening.  A Qualifying Direct Deposit is defined as deposits from an employer, payroll provider, benefits provider, pension, or the government (such as Social Security) via an ACH deposit. External ACH transfers not from employers, verification or trial deposits from financial institutions, 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 Qualifying Direct Deposits. Limit one $300 bonus payout per membership and per checking account. Accounts at Texans must be in good standing (no past due or overdrawn accounts) at the time the bonus is credited. Bonuses are considered interest and will be reported to the IRS as required. This offer can change at any time without notice.