Best Checking Account Interest Rates in Every State

Make your money work for you by finding the best APY available.

Because you can access your money as much as you want with a checking account whether through writing checks or visiting the ATM — most financial institutions limit the amount of interest they’ll pay on these types of accounts. And some don’t pay any interest at all. As of Oct. 13, 2017, the average interest-bearing checking account paid just 0.04% APY, according to the FDIC.

To help you find for the highest rates, GOBankingRates researched the highest interest checking account rates in every state. Keep in mind that sometimes these rates come with special requirements. For instance, if the rate is really high, it might apply only to a portion of your balance. If you’re looking to open a checking account, review the chart to find the best checking account rates available in your state — and don’t forget to also take advantage of checking account bonuses and promotions.

Best Checking Account Interest Rates in Every State
State Institution Account Name Highest Checking Account Rate 


Alabama Citizens Bank & Trust Kasasa Cash 3.00%
Alaska Northern Skies Credit Union Peak Rewards Checking 4.00%
Arizona Farmers Insurance Group Federal Credit Union High Yield Checking 5.00%
Arkansas Hope Federal Credit Union HOPE rewards Checking 3.01%
California Farmers Insurance Federal Credit Union High Yield Checking 5.00%
Colorado Blue Federal Credit Union Extreme Checking 4.00%
Connecticut Putnam Bank Success Checking 3.01%
Delaware Artisans Bank Interest Rewards Checking 0.75%
Florida American Airlines Credit Union Priority Checking 2.27%
Georgia Georgia Heritage Federal Credit Union E-Account Checking 6.00%
Hawaii Honolulu Federal Credit Union Kasasa Cash Checking 2.50%
Idaho Capital Educators Credit Union High Yield Checking 2.50%
Illinois Hometown Community Banks The Amazing Account 5.01%
Indiana Centra Credit Union High-Interest Checking 4.00%
Iowa Premier Bank Life Checking 5.00%
Kansas Citizens State Bank & Trust Co Ellsworth Kansas Free Reward Checking 2.50%
Kentucky Class Act Federal Credit Union Honors Checking 4.00%
Louisiana La Capitol Credit Union All Access Advantage Checking 4.25%
Maine Maine State Credit Union Advantage Checking 1.50%
Maryland Destinations Credit Union Kasasa Cash Checking 3.01%
Massachusetts Alden Credit Union Nuff Said Checking 5.12%
Michigan Community West Credit Union 7% Checking 7.00%
Minnesota Sharepoint Credit Union Premier Rate Checking 5.00%
Mississippi Hope Federal Credit Union HOPE rewards Checking 3.01%
Missouri Gateway Metro Federal Credit Union E*Hanced Checking 6.02%
Montana First Security Bank Easy Interest Checking 0.05%
Nebraska SAC Federal Credit Union Savers Advantage Checking Account 4.01%
Nevada Greater Nevada Credit Union Aspire Checking 3.00%
New Hampshire Woodsville Guaranty Savings Bank GO Checking 2.02%
New Jersey American Airlines Credit Union Priority Checking 2.27%
New Mexico First American Bank NM FIRST Rewards Checking 2.50%
New York The Bank of Greene County FREE e-Checking 4.00%
North Carolina Coastal Federal Credit Union Go Green Checking 2.25%
North Dakota State Bank of Bottineau Super Now Checking 0.25%
Ohio Bridge Credit Union Diamond Dividend Checking 10.0%
Oklahoma Halliburton Employees Federal Credit Union Kasasa Cash Checking 2.55%
Oregon Point West Credit Union Eco Checking 2.53%
Pennsylvania Belco Community Credit Union Cha-Ching! Checking Account 3.00%
Rhode Island Randolph Savings Bank Apex Checking 2.75%
South Carolina Carolinas Telco Federal Credit Union Rewards Checking 1.51%
South Dakota Frontier Bank IA Kasasa Cash 3.05%
Tennessee Electric Service Credit Union Interest Rewards Checking 3.50%
Texas Southwest Airlines Federal Credit Union LUV Reward Checking 4.00%
Utah Wasatch Peaks Credit Union Peaks Perks Checking High Dividend 2.25%
Vermont Brattleboro Savings & Loan Local Rewards Checking 1.26%
Virginia Beacon Credit Union VA Choice Plus Checking 5.05%
Washington Inspirus Credit Union ADDvantage Checking Account 7.00%
West Virginia Meridian Trust Credit Union Free Checking 4.00%
Wisconsin Landmark Credit Union Wisconsin Premium Checking 7.50%
Wyoming WYHY Federal Credit Union SmartReturns Checking 4.00%


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Rates for interest checking vary significantly across the country. You’ll find the highest rates in Ohio, Wisconsin and Washington.

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Related: 10 Best Checking Accounts of 2017 

Landmark Credit Union Wisconsin offers a high, 7.50% APY on balances up to $500 if you agree to receive e-statements and sign up for direct deposit. Washington’s Inspirus Credit Union offers 7.00% APY on balances up to $500 for its ADDvantage Checking Account — to get that rate you’ll need at least $50 to open the account and you have to set up direct deposit or payroll deduction contributions.

Landmark and Inspirus’s checking account rates are very high, but they don’t hold a candle to the highest checking APY in the country. Based in Ohio, Bridge Credit Union’s Diamond Dividend Checking definitely qualifies as a high-yield checking account — it offers a whopping, 10.00% APY. As you might expect, there are a lot of requirements to qualify for that rate. You need to use your debit card 35 times per month and you have to enroll for electronic statements and bill pay — you must use your bill pay account at least once every 60 days. Additionally, you must set up direct deposits of at least $1,000 per month.

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On the other end of the spectrum, you won’t earn much money on your checking accounts in Delaware, North Dakota or Montana. Delaware’s Artisan Bank ranks top in the state but only pays only 0.75% APY on its Interest Rewards Checking account, which is still leagues ahead of the national average. You can qualify for that rate by making 12 Visa check card transactions per month, enrolling in online banking, signing up for e-statements and posting a direct deposit to the account each cycle.

In North Dakota, the State Bank of Bottineau pays the highest rate, which is only 0.25% APY on its Super Now Checking account. Montana comes in with the lowest rate across the country — the First Security Bank’s Easy Interest Checking account pays the most interest in the state on a checking account, which is a very low, 0.50% APY.

Next Up: 13 Banks Offering Free Checking With No Minimum Balance

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About the Author

John Csiszar

After earning a B.A. in English with a Specialization in Business from UCLA, John Csiszar worked in the financial services industry as a registered representative for 18 years. Along the way, Csiszar earned both Certified Financial Planner and Registered Investment Adviser designations, in addition to being licensed as a life agent, while working for both a major Wall Street wirehouse and for his own investment advisory firm. During his time as an advisor, Csiszar managed over $100 million in client assets while providing individualized investment plans for hundreds of clients.

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