Best Checking Rates in 2026

Name: Best Checking Rates in 2026
Creator: RateBrain

In 2026, the median checking rate RateBrain tracked was 0.51% across 79 products. The highest was 8.00% APY from WECU. That median was down from 1.26% in 2025.

« 2025 All years

Every Checking rate we tracked in 2026

Bank	High	Year end
WECU	8.00%	8.00%
Genisys Credit Union	6.75%	6.75%
Andrews Federal Credit Union	5.25%	5.25%
HOPE Credit Union	5.13%	5.13%
Consumers Credit Union	5.00%	5.00%
Heritage Bank	5.00%	5.00%
Signature Federal Credit Union	5.00%	5.00%
Connexus Credit Union	4.50%	4.50%
First National Bank of America	4.50%	4.50%
InTouch Credit Union	4.24%	4.24%
Lake Michigan Credit Union (<$15k)	4.00%	4.00%
Vault.Bank	4.00%	4.00%
Vibrant Credit Union	3.75%	3.75%
Robinhood (Gold members)	3.60%	3.60%
KS StateBank	2.53%	2.53%
Langley Federal Credit Union	2.50%	2.50%
OMB Bank	2.01%	2.01%
Bank5 Connect	2.70%	2.00%
E*TRADE Bank	2.00%	2.00%
First Tech Federal Credit Union	2.00%	2.00%
Goldwater Bank	2.00%	2.00%
Sharonview Federal Credit Union	2.00%	2.00%
UFB Direct	2.00%	2.00%
Zynlo Bank	2.00%	2.00%
Blue Federal Credit Union	1.75%	1.75%
CFG Bank	1.50%	1.50%
Provident Credit Union	1.26%	1.26%
Quorum Federal Credit Union	1.25%	1.25%
Quontic Bank	1.10%	1.10%
Bank of the Sierra	1.01%	1.01%
American Express	1.00%	1.00%
Apple Federal Credit Union	1.00%	1.00%
ConnectOne Bank	1.00%	1.00%
Happen Bank	1.00%	1.00%
Money One FCU	1.50%	1.00%
NASA Federal Credit Union	1.00%	1.00%
Princeville State Bank	0.89%	0.89%
EagleBank	0.63%	0.63%
Axos Bank	0.51%	0.51%
Nationwide Bank	0.51%	0.51%
Provident NJ	0.50%	0.50%
SoFi	4.60%	0.50%
Coulee Bank	0.45%	0.45%
Navy Federal Credit Union	0.40%	0.40%
Service Credit Union	0.35%	0.35%
Amalgamated Bank	0.30%	0.30%
Davis Trust Company	0.30%	0.30%
Rising Bank	0.30%	0.30%
Alliant Credit Union	0.25%	0.25%
City First Bank	0.25%	0.25%
EverBank	1.00%	0.25%
GiantBank	0.25%	0.25%
Harborstone Credit Union	0.25%	0.25%
Space Coast Credit Union	0.25%	0.25%
Liberty Savings Bank	1.00%	0.21%
Accordia Bank	0.20%	0.20%
Texas Capital Bank	0.20%	0.20%
Bank of Utah	0.15%	0.15%
Northpointe Bank (< $5k)	0.15%	0.15%
Androscoggin Bank	0.10%	0.10%
Capital One 360	0.10%	0.10%
CIT Bank	0.10%	0.10%
DR Bank	0.10%	0.10%
Latino Community Credit Union	0.10%	0.10%
Self Help Credit Union	0.10%	0.10%
Ponce Bank	0.08%	0.08%
American State Bank	0.05%	0.05%
Carver Federal Savings Bank	0.05%	0.05%
Justice Federal Credit Union	0.05%	0.05%
Patelco	0.10%	0.05%
Riverland Credit Union	0.05%	0.05%
Atlantic Union Bank	0.03%	0.03%
RBC Bank	0.03%	0.03%
Lafayette Federal Credit Union	0.03%	0.03%
Austin Capital Bank	0.01%	0.01%
Charles Schwab Bank	0.01%	0.01%
First Mid Bank & Trust	0.01%	0.01%
Salem Five	0.01%	0.01%
Digital Federal Credit Union	0.00%	0.00%

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.