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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 has the largest state-chartered banking system in the country — more than 230 institutions supervised by the Texas Department of Banking, with Frost Bank, Texas Capital, and Prosperity Bank all headquartered in-state. On the credit-union side, Randolph-Brooks FCU (San Antonio) and Security Service FCU lead statewide on rewards-checking yield and CD specials, and the Texas Credit Union Department regulates state-chartered CUs separately. One Texas-specific advantage: the state's homestead-exemption laws make Texas CDs and money-market accounts an especially common parking place for home-sale proceeds during the waiting period before reinvestment.

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?

Randolph-Brooks FCU (RBFCU) is open to anyone who lives, works, worships, or attends school in any of more than 60 Texas counties — which covers nearly all major metros including Austin, San Antonio, Dallas-Fort Worth, and Houston suburbs. Family members of existing members qualify nationwide. Membership is free and the application takes a few minutes online.

Why are Texas CDs popular for home-sale proceeds?

Texas homestead-exemption laws and the state's active housing market mean a lot of residents sell a primary home and park the proceeds in a short-term CD or money-market account before reinvesting. Texas has no state income tax, so every dollar of CD interest nets the full federal rate — which makes a 5% CD meaningfully more attractive to a Texas resident than to a California or New York one in the top bracket.

Does Texas tax bank-account interest?

No. Texas has no state personal income tax, so bank interest nets the full federal rate after federal tax only. For a top-bracket Texas saver, a 4% HYSA nets roughly 2.52% after federal tax alone — versus 2.2–2.3% for comparable earners in California or New York after state tax layered on top.

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.