Best Checking Rates in 2026
In 2026, the median checking rate RateBrain tracked was 1.01% across 13 products. The highest was 5.00% APY from Consumers Credit Union. That median was down from 1.30% in 2025.
Every Checking rate we tracked in 2026
| Bank | High | Year end |
|---|---|---|
| Heritage Bank (<$25k) | 5.00% | 5.00% |
| Lake Michigan Credit Union (<$15k) | 4.00% | 4.00% |
| Robinhood (Gold members) | 3.60% | 3.60% |
| Consumers Credit Union | 5.00% | 3.00% |
| Bank5 Connect | 2.70% | 2.00% |
| Quontic Bank | 1.10% | 1.10% |
| Bank of the Sierra | 1.01% | 1.01% |
| ConnectOne Bank | 1.00% | 1.00% |
| Money One FCU | 1.50% | 1.00% |
| Princeville State Bank | 0.89% | 0.89% |
| Axos Bank | 0.51% | 0.51% |
| 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aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date.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.