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Best Banks & Credit Unions in Texas

Compare the best banks and credit unions in Texas: up to 3.65% APY, verified fees, minimums, and membership rules from 44+ local institutions.

Texas is home to more FDIC-insured banks and savings institutions than any other state, 347 as of June 30, 2026 (FDIC data), and state-chartered banks answer to the Texas Department of Banking. Frost Bank (San Antonio), Texas Capital (Dallas) and Prosperity Bank (Houston) are all headquartered in-state. On the credit-union side, the San Antonio-area Randolph-Brooks FCU and Security Service FCU are the names to compare; the Texas Credit Union Department regulates state-chartered credit unions. One Texas-specific point: state law shields the proceeds of a homestead sale from creditors' claims for six months, so a short CD or money-market account fits the gap before you buy again.

State regulator: Texas Department of Banking / Texas Credit Union Department. Every institution below is FDIC- or NCUA-insured to $250,000.

Best banks and credit unions in Texas 2026

Every bank with a branch in Texas

440 FDIC-insured banks run 6,071 full-service offices in Texas. 351 of them are community banks, and 324 operate nowhere else. This is the federal record: every figure below is the regulator's own.

Deposits by office come from the FDIC Summary of Deposits, counted each 30 June; the leverage ratio is capital as a share of assets, from each bank's latest Call Report. Nothing here is blended into a score. Search by ZIP to see the offices nearest you.

Every bank we publish a page for in Texas

65 of them, largest first. Each page carries the bank's own Call Report figures and every office it runs.

Branches by town in Texas

Where a bank runs more than one office in a town, every one of them is listed on a page of its own.

Branch pages in Texas

Every office we publish a page for in Texas, by town. Each carries what that branch holds, when it opened and the other branches within five miles.

Houston

Dallas

Amarillo

Austin

Fort Worth

Laredo

Lubbock

Abilene

Addison

Beaumont

Brownsville

Bryan

Frisco

Garland

Grapevine

Irving

Longview

Mcallen

Mckinney

Mesquite

Odessa

Plano

Richardson

Southlake

Tyler

Waco

Wichita Falls

Every credit union with an office in Texas

474 federally insured credit unions run 1,823 offices in Texas, between them serving 35,514,534 members. 254 carry the NCUA's low-income designation. Figures are from each credit union's own NCUA Call Report.

A credit union is measured differently from a bank and the numbers are not interchangeable: the net worth ratio here is the NCUA's capital measure under 12 CFR 702, where 7% is well capitalised, and shares are the credit union equivalent of deposits. Membership usually turns on where you live or work, so a local credit union is often open to you even when its name suggests otherwise.

What makes a Texas bank account worth opening

Look at four things in order: the APY (does it beat the FDIC national average of about 0.60%?), the monthly fee (anything above $0 should come with a clear waiver path), the minimum opening deposit, and the membership rule for credit unions. Texas residents typically qualify for at least one large state-chartered credit union on residency alone, and that credit union is often the highest-APY option available locally.

Is my money safe at a Texas bank or credit union?

Yes, if the institution is federally insured. FDIC covers banks up to $250,000 per depositor, per ownership category; NCUA covers credit unions at the same limits. Every institution in this directory carries one of those insurances. The FDIC or NCUA ID is listed on the full provider row.

Best banks in Texas cities

Texas banking FAQ: credit unions, rates & insurance

How do I join Randolph-Brooks Federal Credit Union as a Texas resident?

RBFCU says there are more than 5,000 ways to qualify, including where you live, work, worship or attend school, your employer or a community group. It began as a military credit union in San Antonio and now serves the Austin, Corpus Christi, Dallas-Fort Worth and San Antonio areas. Immediate family and household members of members also qualify.

Why are Texas CDs popular for home-sale proceeds?

Two Texas rules make them a good fit. Texas Property Code section 41.001(c) shields the proceeds of a homestead sale from seizure for a creditor's claim for six months after the sale, which suits a CD that matures inside that window. And with no state income tax, the interest is taxed only by the IRS: $100,000 at a hypothetical 4% APY earns about $4,000 a year, on which a New Yorker in the 6.85% bracket would owe the state about $274.

Does Texas tax bank-account interest?

No. Texas has no personal income tax, so bank interest is taxed only by the IRS. On $10,000 earning a hypothetical 4% ($400 a year), a Texan owes the state nothing, while a New Yorker in the 6.85% bracket owes about $27, plus New York City tax of 3.078% to 3.876% for city residents.

Are Texas state-chartered banks insured the same as national banks?

Yes. Texas has the largest state-chartered banking system in the country, supervised by the Texas Department of Banking, and every retail-deposit-taking institution carries FDIC insurance up to $250,000 per depositor, per ownership category. State-chartered credit unions carry NCUA insurance at the same limits through the Texas Credit Union Department.

Related guides for Texas savers

Rates and fees change frequently. Confirm current figures directly with each institution before applying, and see our editorial methodology for how this directory is built and maintained.