Best Checking Rates in 2025
In 2025, the median checking rate RateBrain tracked was 1.26% across 13 products. The highest was 5.00% APY from Consumers Credit Union. The median was unchanged from 2024.
Every Checking rate we tracked in 2025
| Bank | High | Year end |
|---|---|---|
| Consumers Credit Union | 5.00% | 5.00% |
| Heritage Bank | 5.00% | 5.00% |
| SoFi | 4.60% | 4.60% |
| Lake Michigan Credit Union (<$15k) | 4.00% | 4.00% |
| Bank5 Connect | 2.70% | 2.70% |
| Money One FCU | 1.50% | 1.50% |
| Provident Credit Union | 1.26% | 1.26% |
| Quontic Bank | 1.10% | 1.10% |
| Bank of the Sierra | 1.01% | 1.01% |
| Princeville State Bank | 0.89% | 0.89% |
| Liberty Savings Bank | 0.56% | 0.56% |
| Coulee Bank | 0.45% | 0.45% |
| Northpointe Bank (< $5k) | 0.15% | 0.15% |
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aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date.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.