Best Banks & Credit Unions in Waco, Texas
Banks and credit unions serving Waco, 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 Waco, Texas. All rankings inherit from the Texas state directory. Every institution listed is licensed to serve Waco residents and is either headquartered in Texas or operates branches in the metro.
Top options in Waco
- 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.
Other Texas cities
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See the full Texas banks directory for every institution we've verified in the state, plus the underlying methodology.