--- title: Best Banks and Credit Unions in Texas for 2025 description: Money looked at dozens of financial institutions to find the best banks and credit unions in Texas. editors: - name: Jordan Chussler role: Editor, Investing and Banking url: https://money.com/author/jordan-chussler/ bio: Jordan is an investment editor who specializes in topics ranging from traditional equities, retirement savings and income investing to alternative assets and commodities, specifically focusing on gold and other precious metals. He combines his personal interests and professional experience in finance and education to help readers increase their financial literacy and make better investment choices. Jordan is a Certified Personal Finance Counselor. education: Lynn University certifications: Certified Personal Finance Counselor at_money_since: 2023 articles: 131 covers: - Banking - Credit - Credit Cards - Economy and Politics - Housing - Identity Theft - Insurance - Investing - Loans - Mortgages - Personal Finance - Professional Services - Retirement also_seen_in: - Weiss Ratings - 24/7 Wall Street - Better Investing - Yahoo Finance - Nasdaq - Investing.com - Marketbeat - MSN Money social: - https://www.linkedin.com/in/jordan-chussler-b3597811/ published: '2024-10-08T15:03:21.000Z' modified: '2025-02-11T14:52:20.000Z' section: Banking tags: - Best - Best Banks 2024-2025 word_count: 658 canonical: https://money.com/best-banks-and-credit-unions-texas/ type: Article source: structured-blocks --- > **Disclosure:** We research all brands listed and may earn a fee from our partners. Research and financial considerations may influence how brands are displayed. Not all brands are included. [Learn more](https://money.com/page/disclaimer/). ![Best Banks and Credit Unions in Texas for 2025](https://img.money.com/2024/09/Best-Banks-2024-Ranking-States-TX-mbci_bpcy3__rl104x.jpg?quality=85&w=1012&h=569&crop=1) ## Our Partners ![View Rates](https://s3.consumersadvocate.org/prd/image/image/19227/medium_5c3a0d96-3da5-45d8-8e99-d58f043e9433.png) Our Partner [View Rates](https://money.com/go/c4376a8b708c?ap_referrer=%2Fbest-banks-and-credit-unions-texas%2F&bidid=4055045672&ptid=664910217&ptoken=43e7dc41f6aa1a5609a8c3afe9123332&zip=20149) **Earn up to 3.10% APY\* & up to $50 or $400 with direct deposit\*** - Limited Time Offer - +0.90% Boost on Savings APY to up to 4.00% for up to 6 months on new accounts. Terms apply.8 - $0 min. balance to earn APY - Open Checking & Savings Accounts with 1 Sign Up - Up to 2-Day-Early Paycheck3 - Access additional FDIC insurance up to $3M on deposits4 - No Account Fees5 & No-fee Overdraft Coverage6 \*Terms Apply **\[AFFILIATE LINK: Open SoFi Account Today\]** * * * ![View Rates](https://s3.consumersadvocate.org/prd/image/image/7510/medium_8a6feaaf-bb2a-4668-a20d-603241767f86.png) Our Partner [View Rates](https://money.com/go/e3c2821039a0?ap_referrer=%2Fbest-banks-and-credit-unions-texas%2F&bidid=4055045669&ptid=664910217&ptoken=603e019a77bfcf6df44d9fc003338e24&zip=20149) **Earn up to 3.65% APY\* on qualifying balances with a Barclays' Tiered Savings account** - $200 Bonus with qualifying activities. Terms Apply. - No monthly maintenance fees - Easy direct deposits & online transfers - Member FDIC \*Rate as of 6/24/2026 **\[AFFILIATE LINK: View Barclays Offer\]** * * * ![View Rates](https://s3.consumersadvocate.org/prd/image/image/38558/medium_9a7de13e-ef66-4a9d-9afd-0d742334c0be.webp) Our Partner [View Rates](https://money.com/go/c9152689220a?ap_referrer=%2Fbest-banks-and-credit-unions-texas%2F&bidid=4055045674&ptid=664910217&ptoken=9e336e7de355b5afb096c3830cafb47f&zip=20149) **Earn 4.10% APY\* for 6 months with $5k min. balance** - $5,000 min. balance to earn top APY - $100 minimum deposit to open an account - No account opening or monthly service fees - Member FDIC \*Boosted rate for 6 months; 3.75% APY after. Enter promo code CITBOOST for APY bonus. Rate as of 07/01/2026. **\[AFFILIATE LINK: View CIT Bank Offer\]** * * * ![View Rates](https://s3.consumersadvocate.org/prd/image/image/35396/medium_03f248f6-d7f4-4da6-8f13-322fce5d1be2.webp) Our Partner [View Rates](https://money.com/go/eaf776f45300?ap_referrer=%2Fbest-banks-and-credit-unions-texas%2F&bidid=4055045676&ptid=664910217&ptoken=5b4b64f928cf560f4b569ae7969ef574&zip=20149) **Earn 3.80% APY\* with an Openbank High Yield Savings account** - $500 minimum opening deposit - Keep more of your money with no fees - Trusted device security with quick face or fingerprint login - Member FDIC, Santander Bank, N.A. \*Rate as of 8/24/2026 **\[AFFILIATE LINK: View Openbank Offer\]** There are over 200 banks and credit unions operating in the Lone Star State. If that number seems overwhelming, we can help. Money researched the leading financial institutions in Texas based on account offerings, annual percentage yields (APYs), fees and interest rates. Here are our picks for the best banks and credit unions in Texas for 2024-2025: - [**Prosperity**](#prosperity) - Best Overall - [**First National Bank Texas**](#firstnational) - Best for CDs - [****Frost Bank****](#frost) - Best for Money Market Accounts - [**PNC**](#pnc) - Best for Checking Accounts - [**Woodforest National**](#wood) - Best for Speciality Accounts \**Rates and APYs are subject to change. All information provided was accurate as of Oct. 8, 2024.* ## Open a High-Yield Savings Account today and start earning interest ### Take advantage of an FDIC insured, High-Yield Savings Account from SoFi®. Click on your state and find out more. [View Rates](https://money.com/pr/b6d40efa5682?ap_referrer=%2Fbest-banks-and-credit-unions-texas%2F) ## Best Overall: Prosperity ![](https://s3.consumersadvocate.org/prd/image/image/25820/large_755816f2-573f-442e-83c6-761adb0f28fb.png) [View Rates](https://money.com/pr/w8d4b7cb3c47?ap_referrer=%2Fbest-banks-and-credit-unions-texas%2F&url=) [Prosperity](https://money.com/pr/f851bd4d41d8?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-banks-and-credit-unions-texas%252F) offers a variety of deposit accounts, including specialized accounts for teens. It also offers innovative features like its Good Cents program to help people round up their savings and build a safety net. In addition to its fee-free checking accounts, the bank also has interest-bearing and premiums checking options, and it operates hundreds of branches throughout Texas, giving you easy access to your money. However, Prosperity charges monthly fees on its savings accounts, which is a significant drawback. It also has limited CD terms. Those looking for CDs with terms over 60 months will have to work with another bank. **Pros** - Checking options without monthly fees - Interest-bearing checking available - Hundreds of branches and ATMs **Cons** - Fees on savings accounts - Limited CD terms ## Best for CDs: First National Bank of Texas ![](https://s3.consumersadvocate.org/prd/image/image/25821/large_abc0f05e-6251-4ccf-90ae-a6f5a4e9bc8c.png) [View Rates](https://money.com/pr/oeaa25360126?ap_referrer=%2Fbest-banks-and-credit-unions-texas%2F&url=) The [First National Bank of Texas](https://money.com/pr/xb2646bb4e0b?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-banks-and-credit-unions-texas%252F) offers CDs with much higher-than-usual rates. It has a low minimum deposit requirement; while some banks require thousands to open a CD, you can open a CD with First National Bank Texas with just $500. First National Bank Texas has several checking options, including a high-yield checking account, but it charges monthly fees on some checking and savings accounts. Additionally, it doesn't disclose its savings APYs on its website. You have to visit a branch for details. **Pros** - Low deposit requirement for CDs - Higher-than-average APY on some CD terms - High-yield checking options **Cons** - Doesn't disclose savings APYs online - Monthly fees on checking and saving accounts ## Best for Money Market Accounts: Frost Bank ![](https://s3.consumersadvocate.org/prd/image/image/22085/large_ac3565c5-57d6-4d58-a5a8-8eb0db23ed71.png) [View Rates](https://money.com/pr/l63616946afd?ap_referrer=%2Fbest-banks-and-credit-unions-texas%2F&url=) A money market account can be a great way to build your savings and earn interest. And, with [Frost bank](https://money.com/pr/y03f33f3a8e0?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-banks-and-credit-unions-texas%252F), you can earn a substantially higher-than-usual APY. And, if you maintain a balance of at least $15,000, you won't have to pay a monthly fee. Frost Bank was ranked by J.D. Power as the best in the state in its U.S. Retail Customer Satisfaction Study. However, the balance requirement to qualify for fee waivers is relatively high, and its savings accounts have lower-than-usual APYs. **Pros** - Top-ranked for customer satisfaction - Higher-than-average APYs on money market accounts - Low minimum deposit **Cons** - High balance requirement to qualify for fee waivers - Lower APYs on savings accounts ## Best for Checking Accounts: PNC ![](https://s3.consumersadvocate.org/prd/image/image/8109/large_334c78a9-8089-450d-af68-0348d02e39eb.png) [View Rates](https://money.com/pr/yf8447d753c4?ap_referrer=%2Fbest-banks-and-credit-unions-texas%2F&url=) By opening a checking account with [PNC Bank](https://money.com/pr/yff9267a6af4?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-banks-and-credit-unions-texas%252F), you can combine the function and ease of a checking account with the ability to earn interest. Its accounts pay a competitive rate for checking accounts, helping you grow your money. New customers can qualify for substantial bonus offers, and PNC has money management tools you can use to create a budget and track your spending. It should be noted, though, that PNC does have monthly fees on most deposit accounts. Also, the bank doesn't offer money market accounts. **Pros** - New customers promotions - Interest-bearing checking - Money management tools **Cons** - Monthly fees apply - No money market accounts ## Best for Speciality Accounts: Woodforest ![](https://s3.consumersadvocate.org/prd/image/image/25822/large_89474ffd-4005-421d-8179-39c1e126d825.webp) [View Rates](https://money.com/pr/dbdfd06491ee?ap_referrer=%2Fbest-banks-and-credit-unions-texas%2F&url=) [Woodforest National](https://money.com/pr/ze87cf11deda?ap_referrer=https%253A%252F%252Fmoney.com%252Fbest-banks-and-credit-unions-texas%252F) has specialized accounts for certain groups, such as adults 55 and older, those who have had banking challenges in the past and kids. These accounts feature low fees and minimum deposits. The bank offers several checking options, including interest-bearing options that can build interest over time. However, it has limited CD term options, and it doesn't offer money market accounts, so some customers may choose to open an account with another bank to take advantage of those options. **Pros** - Offers second chance bank accounts - Checking and savings options for seniors and kids - Interest-bearing checking accounts available **Cons** - Limited CD terms - No money market accounts ## Compare Savings Accounts rates today ### Up to 2-day-early paycheck ![Sign Up](https://s3.consumersadvocate.org/prd/image/image/19227/medium_5c3a0d96-3da5-45d8-8e99-d58f043e9433.png) Our Partner [Sign Up](https://money.com/go/0451870ab77a?bidid=4055045694&pmeta=p129-c561-u25621&ptid=664910220&ptoken=6a8ec1a50a3c31c4c65a64d12df031a8) ### No monthly maintenance fees ![Sign Up](https://s3.consumersadvocate.org/prd/image/image/7510/medium_8a6feaaf-bb2a-4668-a20d-603241767f86.png) Our Partner [Sign Up](https://money.com/go/268c2e55b5c3?bidid=4055045692&pmeta=p129-c561-u25621&ptid=664910220&ptoken=440314347c77f871c171105333432d5f) ### Open an account in 5 minutes ![Sign Up](https://s3.consumersadvocate.org/prd/image/image/38558/medium_9a7de13e-ef66-4a9d-9afd-0d742334c0be.webp) Our Partner [Sign Up](https://money.com/go/d920a2eb7c29?bidid=4055045695&pmeta=p129-c561-u25621&ptid=664910220&ptoken=318cfdf9497aa20264ed794a37d5d7d4) ### $500 minimum opening deposit ![Sign Up](https://s3.consumersadvocate.org/prd/image/image/35396/medium_03f248f6-d7f4-4da6-8f13-322fce5d1be2.webp) Our Partner [Sign Up](https://money.com/go/fdcae11ee4de?bidid=4055045698&pmeta=p129-c561-u25621&ptid=664910220&ptoken=aadd6d4e86f71b9cdba5c3c5ae7ace82) ## How we chose the Best Banks of 2024-2025 To determine our list of best banks for 2024-2025, Money evaluated hundreds of the largest retail banks, credit unions, regional and state banks and online banks ranked by assets. We then compared opening balance requirements, interest paid, fees and features to determine our top picks. To choose the best banks in Texas, we researched leading banks and compared their account offerings, rates, fees, deposit requirements and customer satisfaction ratings. We also evaluated each bank's branch and ATM network, and what online tools and resources are available to customers. 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