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RateBrain

Checking Rate History (2009–2026)

RateBrain has tracked checking rates since 2009. The median checking rate fell from 4.04% in 2009 to 0.51% in 2026. The highest rate we recorded was 8.00% APY from WECU in 2026.

Current Checking rates »

Median checking rate

Median checking rate by month

Median checking rate by monthRateBrain has tracked checking rates since 2009. The median checking rate fell from 4.04% in 2009 to 0.51% in 2026. The highest rate we recorded was 8.00% APY from WECU in 2026.0.00%1.00%2.00%3.00%4.00%5.00%2010201320162019202220252.50%4.04% · Jan 20100.89% · Nov 2020

Months with fewer than 5 tracked products are left out.

The monthly median checking rate peaked at 4.04% in Jan 2010 and was lowest at 0.89% in Nov 2020. Data through Sep 2026.

Median checking rate by month (table)
Median checking rate each month, newest first, with the number of products tracked
MonthMedian APYProducts
Sep 20262.50%6
Aug 20262.50%6
Jul 20262.50%6
Jun 20262.50%6
May 20262.50%6
Apr 20262.50%6
Mar 20262.50%6
Feb 20262.50%6
Jan 20262.50%6
Dec 20252.50%6
Nov 20252.50%6
Oct 20252.50%6
Sep 20252.50%6
Aug 20252.00%6
Jul 20252.00%6
Jun 20252.00%6
May 20252.00%6
Apr 20252.00%6
Mar 20252.00%6
Feb 20252.00%6
Jan 20252.00%6
Dec 20242.00%6
Nov 20242.00%6
Oct 20242.00%6
Sep 20242.00%6
Aug 20242.00%6
Jul 20241.30%12
Jun 20241.05%12
May 20241.05%12
Apr 20241.05%12
Mar 20241.05%12
Feb 20241.05%12
Jan 20241.10%13
Dec 20231.10%13
Nov 20231.10%13
Oct 20231.10%13
Sep 20231.10%13
Aug 20231.10%13
Jul 20231.18%14
Jun 20231.18%14
May 20231.18%14
Apr 20231.10%13
Mar 20231.10%13
Feb 20231.01%13
Jan 20231.01%13
Dec 20221.01%13
Nov 20221.05%13
Oct 20221.05%13
Sep 20221.05%13
Aug 20221.05%13
Jul 20221.05%13
Jun 20221.05%13
May 20221.01%13
Apr 20221.01%11
Mar 20221.00%12
Feb 20221.00%12
Jan 20221.00%12
Dec 20211.00%12
Nov 20211.00%12
Oct 20211.00%12
Sep 20211.00%12
Aug 20211.00%12
Jul 20211.00%12
Jun 20211.00%12
May 20211.00%12
Apr 20211.00%12
Mar 20211.01%12
Feb 20211.01%13
Jan 20211.01%13
Dec 20200.95%14
Nov 20200.89%15
Oct 20200.95%16
Sep 20200.95%16
Aug 20200.95%16
Jul 20201.00%16
Jun 20201.03%16
May 20201.03%16
Apr 20201.14%16
Mar 20201.14%16
Feb 20201.49%16
Jan 20201.85%17
Dec 20191.90%17
Nov 20192.00%17
Oct 20192.00%17
Sep 20192.00%17
Aug 20192.00%17
Jul 20192.00%17
Jun 20192.00%17
May 20192.00%17
Apr 20192.00%17
Mar 20192.00%17
Feb 20192.00%17
Jan 20192.00%17
Dec 20181.50%16
Nov 20181.50%16
Oct 20181.50%16
Sep 20181.75%16
Aug 20181.50%16
Jul 20182.00%17
Jun 20182.00%17
May 20181.66%17
Apr 20181.66%17
Mar 20181.66%17
Feb 20181.66%17
Jan 20181.85%17
Dec 20171.85%17
Nov 20172.01%17
Oct 20172.01%17
Sep 20172.01%17
Aug 20172.01%17
Jul 20172.01%17
Jun 20172.01%17
May 20172.01%17
Apr 20172.01%17
Mar 20172.01%17
Feb 20172.01%17
Jan 20172.01%17
Dec 20162.00%18
Nov 20162.01%18
Oct 20162.01%18
Sep 20162.01%18
Aug 20162.01%18
Jul 20162.01%18
Jun 20162.01%18
May 20162.01%18
Apr 20162.01%18
Mar 20162.01%18
Feb 20162.01%18
Jan 20162.01%18
Dec 20152.01%18
Nov 20152.01%18
Oct 20152.01%18
Sep 20152.01%18
Aug 20152.00%18
Jul 20152.00%18
Jun 20152.00%17
May 20152.00%17
Apr 20152.00%17
Mar 20152.00%17
Feb 20152.00%17
Jan 20152.00%17
Dec 20142.00%17
Nov 20142.00%17
Oct 20142.00%17
Sep 20142.00%17
Aug 20142.00%17
Jul 20142.00%17
Jun 20142.00%17
May 20142.00%17
Apr 20142.00%16
Mar 20142.00%17
Feb 20142.00%17
Jan 20142.00%17
Dec 20132.01%17
Nov 20132.01%17
Oct 20132.01%17
Sep 20132.03%16
Aug 20132.03%18
Jul 20132.03%18
Jun 20132.03%18
May 20132.03%18
Apr 20132.03%18
Mar 20132.08%18
Feb 20132.08%18
Jan 20132.08%18
Dec 20122.21%18
Nov 20122.21%18
Oct 20122.21%18
Sep 20122.01%19
Aug 20122.26%19
Jul 20122.27%21
Jun 20122.27%20
May 20122.27%20
Apr 20122.27%20
Mar 20122.27%20
Feb 20122.27%20
Jan 20122.27%20
Dec 20112.27%20
Nov 20112.50%22
Oct 20112.51%22
Sep 20112.65%22
Aug 20112.65%22
Jul 20112.88%22
Jun 20112.88%22
May 20113.00%22
Apr 20113.00%22
Mar 20113.01%23
Feb 20113.01%23
Jan 20113.01%23
Dec 20103.14%22
Nov 20103.09%21
Oct 20103.09%19
Sep 20103.50%16
Aug 20103.51%19
Jul 20103.51%17
Jun 20103.79%14
May 20104.00%14
Apr 20104.00%13
Mar 20104.01%13
Feb 20104.01%13
Jan 20104.04%14
Dec 20094.01%9
Nov 20094.01%9
Oct 20094.02%11
Sep 20094.02%11
Aug 20094.01%10
Jul 20094.03%8
Jun 20094.01%8
May 20094.00%6

By year

YearMedianHighestLowestProducts tracked
20260.51%8.00% · WECU0.00%79
20251.26%5.00% · Consumers Credit Union0.15%13
20241.26%5.00% · Consumers Credit Union0.15%13
20231.18%5.00% · Consumers Credit Union0.15%14
20221.00%4.00% · Consumers Credit Union0.05%15
20211.00%3.09% · Consumers Credit Union0.05%13
20201.01%3.09% · Consumers Credit Union0.01%17
20191.90%3.09% · Consumers Credit Union0.01%17
20182.00%4.59% · Consumers Credit Union0.01%17
20171.93%5.00% · Northpointe Bank (< $5k)0.15%18
20162.00%5.09% · Consumers Credit Union0.10%18
20152.01%5.09% · Consumers Credit Union0.10%19
20141.93%3.55% · Heritage Bank0.10%18
20132.01%3.55% · Heritage Bank0.10%19
20122.01%4.09% · Consumers Credit Union0.20%21
20112.50%4.11% · Liberty National Bank (<$10k)0.89%23
20103.50%4.75% · Randolph Bank & Trust (<$25k)1.51%28
20094.04%5.01% · Bank2 (< $25k)3.00%15

Please Note: We are not a bank or credit union and are not affiliated with any. The information above is provided 'as is' and solely for informational purposes, not for specific financial advice. While we aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date. Please check with banks directly for the most up to date and accurate information.

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