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Highest checking account rate: 8.00% APY

104 offers from 22 institutions · Interest checking accounts, ranked by APY.

Highest APY

8.00%
Baxter Credit Union
PowerPlus™ Checking · Level 2 on balances up to $15,000 (introductory APY) · promo

recorded 2026-11-01 · source ↗

104 offers22 institutionsmedian 0.05%

Spread of recorded rates

0.0%1.3%2.5%3.8%5.0%6.3%7.5%
01
Baxter Credit Union
PowerPlus™ Checking
Checking · Level 2 on balances up to $15,000 (introductory APY) · promo · View at bank ↗
8.00 % APYrecorded 2026-11-01
02
Affinity Federal Credit Union
High-Yield Checking
Checking · $15,000 and below · bonus · View at bank ↗
5.50 % APYrecorded 2026-11-01
03
Connexus Credit Union
Xtraordinary Checking
Checking · View at bank ↗
4.50 % APYrecorded 2026-11-01
04
Baxter Credit Union
PowerPlus™ Checking
Checking · Level 2 on balances up to $15,000 · View at bank ↗
4.00 % APYrecorded 2026-11-01
05
Baxter Credit Union
PowerPlus™ Checking
Checking · Level 1 on balances up to $15,000 (introductory APY) · promo · View at bank ↗
4.00 % APYrecorded 2026-11-01
06
Quorum Federal Credit Union
QBoost Checking
Checking · Tier 1 · View at bank ↗
4.00 % APYrecorded 2026-11-01
07
BECU
Checking with Member Advantage
Checking · On the first $500 · View at bank ↗
3.04 % APYrecorded 2026-11-01
08
Connexus Credit Union
Teen Checking
Checking · View at bank ↗
2.00 % APYrecorded 2026-11-01
09
Quorum Federal Credit Union
QFlex Checking
Checking · Tier 2 · from $10,000 · View at bank ↗
1.25 % APYrecorded 2026-11-01
10
Baxter Credit Union
PowerPlus™ Checking
Checking · Level 1 on balances up to $15,000 · View at bank ↗
1.00 % APYrecorded 2026-11-01
11
Newtek Bank
Business Checking
Checking · View at bank ↗
1.00 % APYrecorded 2026-11-01
12
EagleBank
Eagle Premium Interest Checking
Checking · View at bank ↗
0.63 % APYrecorded 2026-11-01
13
Affinity Federal Credit Union
High-Yield Checking
Checking · $15,000.01 and above · bonus · View at bank ↗
0.50 % APYrecorded 2026-11-01
14
Quorum Federal Credit Union
QBoost Checking
Checking · Tier 2 · from $5,000.01 · View at bank ↗
0.50 % APYrecorded 2026-11-01
15
EagleBank
Eagle Relationship Interest Checking
Checking · View at bank ↗
0.48 % APYrecorded 2026-11-01
16
America First Credit Union
Money Market Checking
Checking · $250,000+ · View at bank ↗
0.30 % APYrecorded 2026-11-01
17
Ally Bank
Spending
Checking · $15,000 and over · View at bank ↗
0.25 % APYrecorded 2026-11-01
18
America First Credit Union
Money Market Checking
Checking · $100,000.00-$249,99.99 · View at bank ↗
0.25 % APYrecorded 2026-11-01
19
Baxter Credit Union
Premier Business Checking
Checking · View at bank ↗
0.25 % APYrecorded 2026-11-01
20
Delta Community Credit Union
Business Checking
Checking · $100,000.00 - and up · View at bank ↗
0.25 % APYrecorded 2026-11-01
21
Ent Credit Union
Business Dividend Checking
Checking · $100,000 and Above · View at bank ↗
0.25 % APYrecorded 2026-11-01
22
America First Credit Union
Money Market Checking
Checking · $25,000.00-$49,999.99 · View at bank ↗
0.20 % APYrecorded 2026-11-01
23
America First Credit Union
Money Market Checking
Checking · $50,000-$99,999.99 · View at bank ↗
0.20 % APYrecorded 2026-11-01
24
Delta Community Credit Union
Business Checking
Checking · $0.01 - $999.99 · View at bank ↗
0.20 % APYrecorded 2026-11-01
25
Delta Community Credit Union
Business Checking
Checking · $1,000.00 - $99,999.99 · View at bank ↗
0.20 % APYrecorded 2026-11-01
26
Ent Credit Union
Business Dividend Checking
Checking · $25,000 - $99,999.99 · View at bank ↗
0.20 % APYrecorded 2026-11-01
27
America First Credit Union
Money Market Checking
Checking · $10,000.00-$24,999.99 · View at bank ↗
0.15 % APYrecorded 2026-11-01
28
Ally Bank
Spending
Checking · $0 - $14,999.99 · View at bank ↗
0.1 % APYrecorded 2026-11-01
29
America First Credit Union
Premium Checking
Checking · View at bank ↗
0.10 % APYrecorded 2026-11-01
30
America First Credit Union
Money Market Checking
Checking · $2,000.00-$9,999.99 · View at bank ↗
0.10 % APYrecorded 2026-11-01
31
Delta Community Credit Union
Interest Checking
Checking · $0 > · View at bank ↗
0.10 % APYrecorded 2026-11-01
32
Digital Federal Credit Union
HSA Checking
Checking · $100,000 or more · View at bank ↗
0.10 % APYrecorded 2026-11-01
33
Digital Federal Credit Union
HSA Checking
Checking · $50,000 to $99,999.99 · View at bank ↗
0.10 % APYrecorded 2026-11-01
34
Digital Federal Credit Union
HSA Checking
Checking · $25,000 to $49,999.99 · View at bank ↗
0.10 % APYrecorded 2026-11-01
35
Digital Federal Credit Union
HSA Checking
Checking · $10,000 to $24,999.99 · View at bank ↗
0.10 % APYrecorded 2026-11-01
36
Digital Federal Credit Union
HSA Checking
Checking · $1,000 to $9,999.99 · View at bank ↗
0.10 % APYrecorded 2026-11-01
37
Digital Federal Credit Union
HSA Checking
Checking · less than $1,000 · View at bank ↗
0.10 % APYrecorded 2026-11-01
38
Ent Credit Union
Business Dividend Checking
Checking · $10,000 - $24,999.99 · View at bank ↗
0.10 % APYrecorded 2026-11-01
39
Patelco Credit Union
Premier Interest Checking
Checking · Balance of $5,000.00 or more · View at bank ↗
0.10 % APYrecorded 2026-11-01
40
SchoolsFirst FCU
Investment Checking
Checking · $25,000.00 - $100,000.00+ · View at bank ↗
0.10 % APYrecorded 2026-11-01
41
UW Credit Union
Savings & Checking
Checking · Checking Rewards, Business, Trust & Estate · View at bank ↗
0.10 % APYrecorded 2026-11-01
42
Fulton Bank
Premier Relationship Banking
Checking · $24,999.01 - $99,999 · View at bank ↗
0.08 % APYrecorded 2026-11-01
43
Fulton Bank
Premier Relationship Banking
Checking · $99,999.01 + · View at bank ↗
0.08 % APYrecorded 2026-11-01
44
Affinity Federal Credit Union
High-Yield Checking
Checking · If qualifying criteria not met · View at bank ↗
0.05 % APYrecorded 2026-11-01
45
Affinity Federal Credit Union
MoreChecking
Checking · $1,000 and above · View at bank ↗
0.05 % APYrecorded 2026-11-01
46
Atlantic Union Bank
Preferred Checking
Checking · $1,000,000.00+ · View at bank ↗
0.05 % APYrecorded 2026-11-01
47
BECU
Checking
Checking · View at bank ↗
0.05 % APYrecorded 2026-11-01
48
Ent Credit Union
Broncos Checking, No Strings Checking
Checking · View at bank ↗
0.05 % APYrecorded 2026-11-01
49
Ent Credit Union
Free Student Checking
Checking · View at bank ↗
0.05 % APYrecorded 2026-11-01
50
Ent Credit Union
Business Dividend Checking
Checking · $0 - $4,999.99 · View at bank ↗
0.05 % APYrecorded 2026-11-01
51
Ent Credit Union
Business Dividend Checking
Checking · $5,000.00 - $9,999.99 · View at bank ↗
0.05 % APYrecorded 2026-11-01
52
Fulton Bank
Relationship Banking
Checking · $24,999.01 + · View at bank ↗
0.05 % APYrecorded 2026-11-01
53
OnPoint Community Credit Union
HSA Checking
Checking · $0 - $24,999.99 · View at bank ↗
0.05 % APYrecorded 2026-11-01
54
OnPoint Community Credit Union
HSA Checking
Checking · $25,000 and higher · View at bank ↗
0.05 % APYrecorded 2026-11-01
55
Patelco Credit Union
Interest Checking
Checking · Balance from $0.00 · View at bank ↗
0.05 % APYrecorded 2026-11-01
56
Randolph-Brooks Federal Credit Union
Checking
Checking · $0.00 and up · View at bank ↗
0.05 % APYrecorded 2026-11-01
57
SchoolsFirst FCU
Investment Checking
Checking · $0.00 - $24,999.99 · View at bank ↗
0.05 % APYrecorded 2026-11-01
58
Fulton Bank
Premier Relationship Banking
Checking · $9,999.01 - $24,999 · View at bank ↗
0.04 % APYrecorded 2026-11-01
59
Atlantic Union Bank
Loyalty Checking
Checking · $10,000.00+ · View at bank ↗
0.03 % APYrecorded 2026-11-01
60
Atlantic Union Bank
ThankU Checking
Checking · $10,000.00+ · View at bank ↗
0.03 % APYrecorded 2026-11-01
61
Atlantic Union Bank
Preferred Checking
Checking · $500,000.00 - $999,999.99 · View at bank ↗
0.03 % APYrecorded 2026-11-01
62
Fulton Bank
Relationship Banking
Checking · $9,999.01 - $24,999 · View at bank ↗
0.03 % APYrecorded 2026-11-01
63
Fulton Bank
Premier Relationship Banking
Checking · $1,000 - $4,999 · View at bank ↗
0.03 % APYrecorded 2026-11-01
64
Fulton Bank
Premier Relationship Banking
Checking · $4,999.01 - $9,999 · View at bank ↗
0.03 % APYrecorded 2026-11-01
65
Lafayette Federal CU
Checking Account
Checking · View at bank ↗
0.025 % APYrecorded 2026-11-01
66
Atlantic Union Bank
Loyalty Checking
Checking · $2,500.00 - $9,999.99 · View at bank ↗
0.02 % APYrecorded 2026-11-01
67
Atlantic Union Bank
ThankU Checking
Checking · $2,500.00 - $9,999.99 · View at bank ↗
0.02 % APYrecorded 2026-11-01
68
Atlantic Union Bank
Preferred Checking
Checking · $50,000.00 - $249,999.99 · View at bank ↗
0.02 % APYrecorded 2026-11-01
69
Atlantic Union Bank
Preferred Checking
Checking · $250,000.00 - $499,999.99 · View at bank ↗
0.02 % APYrecorded 2026-11-01
70
Fulton Bank
Interest Checking
Checking · $1,000 - $4,999 · View at bank ↗
0.02 % APYrecorded 2026-11-01
71
Fulton Bank
Interest Checking
Checking · $4,999.01 - $9,999 · View at bank ↗
0.02 % APYrecorded 2026-11-01
72
Fulton Bank
Interest Checking
Checking · $9,999.01 + · View at bank ↗
0.02 % APYrecorded 2026-11-01
73
Fulton Bank
Relationship Banking
Checking · $1,000 - $4,999 · View at bank ↗
0.02 % APYrecorded 2026-11-01
74
Fulton Bank
Relationship Banking
Checking · $4,999.01 - $9,999 · View at bank ↗
0.02 % APYrecorded 2026-11-01
75
Affinity Federal Credit Union
Teen Checking
Checking · View at bank ↗
0.01 % APYrecorded 2026-11-01
76
Atlantic Union Bank
Loyalty Checking
Checking · $0.00 - $2,499.99 · View at bank ↗
0.01 % APYrecorded 2026-11-01
77
Atlantic Union Bank
ThankU Checking
Checking · $0.00 - $2,499.99 · View at bank ↗
0.01 % APYrecorded 2026-11-01
78
Atlantic Union Bank
Preferred Checking
Checking · $0.00 - $49,999.99 · View at bank ↗
0.01 % APYrecorded 2026-11-01
79
Baxter Credit Union
PowerPlus™ Checking
Checking · On balances over $15,000 (introductory APY) · promo · View at bank ↗
0.01 % APYrecorded 2026-11-01
80
Baxter Credit Union
PowerPlus™ Checking
Checking · On balances over $15,000 · View at bank ↗
0.01 % APYrecorded 2026-11-01
81
Quorum Federal Credit Union
QFlex Checking
Checking · Tier 1 · View at bank ↗
0.01 % APYrecorded 2026-11-01
82
Visions Federal Credit Union
Flex Checking Plus
Checking · Average daily balance $0.01 - $9,999.99 · View at bank ↗
0.01 % APYrecorded 2026-11-01
83
Visions Federal Credit Union
Flex Checking Plus
Checking · Average daily balance $10,000 - $49,999.99 · View at bank ↗
0.01 % APYrecorded 2026-11-01
84
Visions Federal Credit Union
Flex Checking Plus
Checking · Average daily balance $50,000 - $99,999.99 · View at bank ↗
0.01 % APYrecorded 2026-11-01
85
Visions Federal Credit Union
Flex Checking Plus
Checking · Average daily balance $100,000 - $249,999.99 · View at bank ↗
0.01 % APYrecorded 2026-11-01
86
Visions Federal Credit Union
Flex Checking Plus
Checking · Average daily balance $250,000 & Over · View at bank ↗
0.01 % APYrecorded 2026-11-01
87
Webster Bank
Premium Checking
Checking · All balances · View at bank ↗
0.01 % APYrecorded 2026-11-01
88
Webster Bank
Private Checking
Checking · $0 – $49,999 · View at bank ↗
0.01 % APYrecorded 2026-11-01
89
Webster Bank
Private Checking
Checking · $50,000 – $99,999 · View at bank ↗
0.01 % APYrecorded 2026-11-01
90
Webster Bank
Private Checking
Checking · $100,000 – $249,999 · View at bank ↗
0.01 % APYrecorded 2026-11-01
91
Webster Bank
Private Checking
Checking · $250,000 – $499,999 · View at bank ↗
0.01 % APYrecorded 2026-11-01
92
Webster Bank
Private Checking
Checking · $500,000+ · View at bank ↗
0.01 % APYrecorded 2026-11-01
93
Affinity Federal Credit Union
Cash Back Debit
Checking · $0 and above · View at bank ↗
0.00 % APYrecorded 2026-11-01
94
Affinity Federal Credit Union
Cash Back Plus
Checking · $0 and above · View at bank ↗
0.00 % APYrecorded 2026-11-01
95
Affinity Federal Credit Union
MoreChecking
Checking · $0 - $999.99 · View at bank ↗
0.00 % APYrecorded 2026-11-01
96
Affinity Federal Credit Union
Business Basics Checking
Checking · View at bank ↗
0.00 % APYrecorded 2026-11-01
97
Affinity Federal Credit Union
Business Performance Checking
Checking · View at bank ↗
0.00 % APYrecorded 2026-11-01
98
Affinity Federal Credit Union
Revolution Spend
Checking · View at bank ↗
0.00 % APYrecorded 2026-11-01
99
America First Credit Union
Money Market Checking
Checking · $0-$1,999.99 · View at bank ↗
0.00 % APYrecorded 2026-11-01
100
Delta Community Credit Union
Business Value Checking
Checking · $.01 and up · View at bank ↗
0.00 % APYrecorded 2026-11-01
101
Digital Federal Credit Union
Free Checking
Checking · No Minimum · View at bank ↗
0.00 % APYrecorded 2026-11-01
102
Digital Federal Credit Union
Free Business Checking
Checking · No minimum · View at bank ↗
0.00 % APYrecorded 2026-11-01
103
Ent Credit Union
Basic Checking
Checking · View at bank ↗
0.00 % APYrecorded 2026-11-01
104
Ent Credit Union
Free Business Checking
Checking · View at bank ↗
0.00 % APYrecorded 2026-11-01

More banks machine-read

These rates come from rate pages RateSonar found on 2 banks' own websites and read with a general parser rather than one written for that page. Each row links to its source; check the figure there before relying on it.

01
WaFd Bank
Checking account required to open
Checking · View at bank ↗
5.00 % APYrecorded 2026-11-01
02
Texas Capital Bank
Elite Business Checking
Checking · All Balances · View at bank ↗
0.25 % APYrecorded 2026-11-01
03
Texas Capital Bank
Star Reserve Checking
Checking · All Balances · View at bank ↗
0.20 % APYrecorded 2026-11-01
04
Texas Capital Bank
Family Office Star Reserve Checking
Checking · All Balances · View at bank ↗
0.20 % APYrecorded 2026-11-01
05
Texas Capital Bank
Star Plus Checking
Checking · All Balances · View at bank ↗
0.10 % APYrecorded 2026-11-01
06
Texas Capital Bank
Star Elite Checking
Checking · All Balances · View at bank ↗
0.10 % APYrecorded 2026-11-01
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Questions

What is the best checking account rate in the US right now?

Baxter Credit Union PowerPlus™ Checking (Level 2 on balances up to $15,000 (introductory APY)) at 8.00% APY, recorded 1 Nov 2026. RateSonar compared 104 offers from 22 institutions on the same basis.

Are these rates current?

Each row shows the date RateSonar last recorded it from the bank's page. Pages are captured twice a day; a row that could not be refreshed keeps its last recorded date and drops out of the ranking after three days.