Best Banks & Credit Unions in Houston, Texas
Banks and credit unions serving Houston, Texas. Compare up to 3.65% APY, fees, minimums and membership rules, dated when we read them.
This page covers banks, credit unions, and local branches available to residents of Houston, Texas. All rankings inherit from the Texas state directory — every institution listed is licensed to serve Houston residents and is either headquartered in Texas or operates branches in the metro.
Top options in Houston
- Texas Capital Bank — 4.00% APY. 12-month Star Certificate of Deposit: $1,000 minimum to open; fixed rate; no minimum balance to obtain the APY. Read Sep 7, 2026 on texascapitalbank.com. Rates as of 2026-09-07 per the page.
- Credit Human — 3.95% APY. 12-month Share Certificate: 12-17 month term; $500 minimum deposit. Read Sep 7, 2026 on credithuman.com. Rates as of 2026-09-04 per the page.
- Delta Community Credit Union — 3.85% APY. 12-month Certificate of Deposit: $1,000.00 minimum opening deposit and minimum balance. Read Sep 7, 2026 on deltacommunitycu.com.
- Amplify Credit Union — 3.80% APY. 12-month Certificate of Deposit: $500 minimum balance to obtain the advertised APY; APY effective 06/17/2026 per the page; read on goamplify.com/fee-free/certificate-of-deposit/. Read Sep 7, 2026 on goamplify.com.
- Navy Federal Credit Union — 3.70% APY. 12-month Standard Certificate: $1,000 minimum deposit ($1K tier); 'Rates as of Sep 07, 2026 ET' per the page. Read Sep 7, 2026 on navyfederal.org. Rates as of 2026-09-07 per the page.
- Texas Capital Bank — 3.65% APY. Star High-Yield Savings Account: Only available to applicants with a Texas residential address; balance up to $1,000,000 earns the APY, the portion above earns 2.12%; no monthly service charge, $0 minimum opening balance per the savings page; Star Savings (all states) pays 2.12% APY. Read Sep 7, 2026 on texascapitalbank.com. Rates as of 2026-09-07 per the page.
Banks with more than one branch in Houston
Each opens every one of that bank's offices in Houston, with the address of each and what it holds.
- JPMorgan Chase Bank, National Association in Houston — 79 branches
- Wells Fargo Bank, National Association in Houston — 62 branches
- Bank of America, National Association in Houston — 48 branches
- Prosperity Bank in Houston — 42 branches
- First National Bank Texas in Houston — 33 branches
- Frost Bank in Houston — 32 branches
- PNC Bank, National Association in Houston — 31 branches
- Fifth Third Bank, National Association in Houston — 27 branches
- Woodforest National Bank in Houston — 27 branches
Other Texas cities
- Banks in San Antonio
- Banks in Dallas
- Banks in Austin
- Banks in Fort Worth
- Banks in El Paso
- Banks in Arlington
- Banks in Corpus Christi
- Banks in Plano
See the full Texas banks directory for every institution we've verified in the state, plus the underlying methodology.