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Best Checking Accounts & Rates in Arizona - April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Checking Account Rates — Last Updated and Verified: April 5, 2026

The best checking rates for Arizona include Credit Union West Credit UnionCredit Union West Credit Union20155 N 67th Ave, Glendale, AZ 85308A+5.0 ★Texas Ratio: 3.00% Heritage High-Yield CheckingTM at 6.00% APY, UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union111 W Rio Salado Pkwy, Tempe, AZ 85281B4.4 ★Texas Ratio: 21.76% HY Checking at 4.00% APY, KS StateBankKS StateBank5110 N Central Ave, Phoenix, AZ 85012A5.0 ★Texas Ratio: 9.13% Checking PLUS at 2.53% APY, Goldwater BankGoldwater Bank2525 E Camelback Rd, Phoenix, AZ 85016A5.0 ★Texas Ratio: 11.19% GOLD CHECKING +++* at 2.00% APY, and Gateway First BankGateway First Bank182 E 16th St, Yuma, AZ 85364F1.8 ★Texas Ratio: 53.47% Gateway Premier Interest Checking at 1.50% APY. Checking account rates as of April 5, 2026 according to verified data from MonitorBankRates.

Use the tabs below to compare checking account rates across Arizona side-by-side. Arizona checking rates currently reach as high as 6.00% APY from Credit Union West Credit Union at 20155 N 67th Ave, Glendale, AZ, 85308. Rates are continually updated — we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in Arizona. Checking Account Rates Last Updated and Verified: April 5, 2026

Compare Checking Account Rates Today in Arizona

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Credit Union West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
20155 N 67th Ave
Glendale, AZ 85308
Heritage High-Yield CheckingTM
6.00%
$0
View
▼
Rate5.84%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

Qualifying balance up to $20,000.00

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
111 W Rio Salado Pkwy
Tempe, AZ 85281
HY Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

No additional details provided.

KS StateBank
Institution Rating:
A5.0 ★ Texas Ratio: 9.13%
5110 N Central Ave
Phoenix, AZ 85012
Checking PLUS
2.53%
$100
View
▼
Rate2.50%
Min Deposit$100
Min Balance—
UpdatedMar 27, 2026
Details

Qualifications Required; Assuming all [requirements](https://www.ksstate.bank/personal/deposit-accounts#CheckingPLUS) are met within the statement cycle for balances up to $25,000

Goldwater Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.19%
2525 E Camelback Rd
Phoenix, AZ 85016
GOLD CHECKING +++*
2.00%
$500
View
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details

Qualifying balance up to $20,000.00

Gateway First Bank
Institution Rating:
F1.8 ★ Texas Ratio: 53.47%
182 E 16th St
Yuma, AZ 85364
Gateway Premier Interest Checking
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

No additional details provided.

Goldwater Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.19%
2525 E Camelback Rd
Phoenix, AZ 85016
GOLDEN CHECKING - 50+*
1.00%
$100
View
▼
Rate1.00%
Min Deposit$100
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

KS StateBank
Institution Rating:
A5.0 ★ Texas Ratio: 9.13%
5110 N Central Ave
Phoenix, AZ 85012
Community Checking
1.00%
$100
View
▼
Rate1.00%
Min Deposit$100
Min Balance—
UpdatedMar 27, 2026
Details

This is a business account. It cannot be opened online.

Bankers Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
2525 E Camelback Rd
Phoenix, AZ 85016
Interest Checking Account APYs
0.77%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

Bankers Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
2525 E Camelback Rd
Phoenix, AZ 85016
Interest Checking Account APYs
0.75%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

Bankers Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
2525 E Camelback Rd
Phoenix, AZ 85016
Interest Checking Account APYs
0.72%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

Bankers Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
2525 E Camelback Rd
Phoenix, AZ 85016
Interest Checking Account APYs
0.70%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

Bankers Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
2525 E Camelback Rd
Phoenix, AZ 85016
Checking
0.60%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

Qualifying balance up to $5,000.00

Hughes Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.35%
971 W Wetmore Rd
Tucson, AZ 85705 1551
Checking PLUS
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Goldwater Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.19%
2525 E Camelback Rd
Phoenix, AZ 85016
GOLDWATER CHECKING *
0.50%
$500
View
▼
Rate0.50%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

Academy Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
12900 W Thunderbird Rd
El Mirage, AZ 85335
Elite Investment Checking
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

No additional details provided.

First Internet Bank of Indiana
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
51 W 3rd St
Tempe, AZ 85281
Interest Checking
0.50%
$100
View
▼
Rate0.50%
Min Deposit$100
Min Balance—
UpdatedMar 27, 2026
Details

No additional details provided.

Academy Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
12900 W Thunderbird Rd
El Mirage, AZ 85335
Elite Investment Checking
0.40%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

No additional details provided.

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
3800 E Sky Harbor Blvd Terminal 4
Phoenix, AZ 85034
Priority Checking Checking Accounts
0.40%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

No additional details provided.

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
3800 E Sky Harbor Blvd Terminal 4
Phoenix, AZ 85034
Priority Checking
0.40%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

No additional details provided.

Academy Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.58%
12900 W Thunderbird Rd
El Mirage, AZ 85335
Elite Investment Checking
0.30%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Credit Union West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
20155 N 67th Ave
Glendale, AZ 85308
Heritage High-Yield CheckingTM
6.00%
$0
View
▼
Rate5.84%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

Qualifying balance up to $20,000.00

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
111 W Rio Salado Pkwy
Tempe, AZ 85281
HY Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

No additional details provided.

KS StateBank
Institution Rating:
A5.0 ★ Texas Ratio: 9.13%
5110 N Central Ave
Phoenix, AZ 85012
Checking PLUS
2.53%
$100
View
▼
Rate2.50%
Min Deposit$100
Min Balance—
UpdatedMar 27, 2026
Details

Qualifications Required; Assuming all [requirements](https://www.ksstate.bank/personal/deposit-accounts#CheckingPLUS) are met within the statement cycle for balances up to $25,000

Goldwater Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.19%
2525 E Camelback Rd
Phoenix, AZ 85016
GOLD CHECKING +++*
2.00%
$500
View
▼
Rate2.00%
Min Deposit$500
Min Balance—
UpdatedApr 3, 2026
Details

Qualifying balance up to $20,000.00

Gateway First Bank
Institution Rating:
F1.8 ★ Texas Ratio: 53.47%
182 E 16th St
Yuma, AZ 85364
Gateway Premier Interest Checking
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

No additional details provided.

Goldwater Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.19%
2525 E Camelback Rd
Phoenix, AZ 85016
GOLDEN CHECKING - 50+*
1.00%
$100
View
▼
Rate1.00%
Min Deposit$100
Min Balance—
UpdatedApr 3, 2026
Details

No additional details provided.

KS StateBank
Institution Rating:
A5.0 ★ Texas Ratio: 9.13%
5110 N Central Ave
Phoenix, AZ 85012
Community Checking
1.00%
$100
View
▼
Rate1.00%
Min Deposit$100
Min Balance—
UpdatedMar 27, 2026
Details

This is a business account. It cannot be opened online.

Bankers Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
2525 E Camelback Rd
Phoenix, AZ 85016
Interest Checking Account APYs
0.77%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

Bankers Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
2525 E Camelback Rd
Phoenix, AZ 85016
Interest Checking Account APYs
0.75%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

Bankers Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
2525 E Camelback Rd
Phoenix, AZ 85016
Interest Checking Account APYs
0.72%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

Bankers Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
2525 E Camelback Rd
Phoenix, AZ 85016
Interest Checking Account APYs
0.70%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

First Internet Bank of Indiana
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
51 W 3rd St
Tempe, AZ 85281
Interest Checking
0.50%
$100
View
▼
Rate0.50%
Min Deposit$100
Min Balance—
UpdatedMar 27, 2026
Details

No additional details provided.

Hughes Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.35%
971 W Wetmore Rd
Tucson, AZ 85705 1551
Checking PLUS
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
645 N William Brooks Ave
San Luis, AZ 85336
Premium Checking
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
645 N William Brooks Ave
San Luis, AZ 85336
Premium Checking
0.27%
$0
View
▼
Rate0.27%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
645 N William Brooks Ave
San Luis, AZ 85336
Premium Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
645 N William Brooks Ave
San Luis, AZ 85336
Premium Checking
0.22%
$0
View
▼
Rate0.22%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
645 N William Brooks Ave
San Luis, AZ 85336
Premium Checking
0.20%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

Qualifying balance up to $1,000.00

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
5000 E McDowell Rd
Mesa, AZ 85215 9707
Advantage Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

Minimum Balance to Earn Dividends: $75,000 - $99,999

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
5000 E McDowell Rd
Mesa, AZ 85215 9707
Advantage Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
1871 Kiowa Ave
Lake Havasu City, AZ 86403
Rewards Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
1600 E Northern Ave
Phoenix, AZ 85020 3933
Rewards Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

TruWest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
5136 E Roosevelt St
Phoenix, AZ 85008 7322
Cash Back Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
First Internet Bank of Indiana
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
51 W 3rd St
Tempe, AZ 85281
Free Checking
0.00%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 27, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
111 W Rio Salado Pkwy
Tempe, AZ 85281
FREE Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
111 W Rio Salado Pkwy
Tempe, AZ 85281
FREE Checking Account
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

No additional details provided.

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
5000 E McDowell Rd
Mesa, AZ 85215 9707
Simple Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
1575 S Price Road
Chandler, AZ 85286
YOUth Journey Checking
0.05%
$25
View
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedMar 28, 2026
Details

No additional details provided.

Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4801 E THISTLE LANDING DR
PHOENIX, AZ 85044
Student Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
475 N Gila Springs Blvd
Chandler, AZ 85226
Business Premier Checking
0.50%
$100,000
View
▼
Rate0.00%
Min Deposit$100,000
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
475 N Gila Springs Blvd
Chandler, AZ 85226
Business Premier Checking
0.35%
$50,000
View
▼
Rate0.00%
Min Deposit$50,000
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
475 N Gila Springs Blvd
Chandler, AZ 85226
Business Premier Checking
0.25%
$2,500
View
▼
Rate0.00%
Min Deposit$2,500
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
3800 E Sky Harbor Blvd Terminal 4
Phoenix, AZ 85034
Business Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

No additional details provided.

Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
615 N 48th St
Phoenix, AZ 85008 6608
Business Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

No additional details provided.

Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
615 N 48th St
Phoenix, AZ 85008 6608
Business Checking
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

No additional details provided.

Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
1850 E Northrop Blvd
Chandler, AZ 85286
Business Interest Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Gainey Business Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
8501 N Scottsdale Rd
Scottsdale, AZ 85253
Business Interest Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
1850 E Northrop Blvd
Chandler, AZ 85286
Premier Business Interest Checking*
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Gainey Business Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
8501 N Scottsdale Rd
Scottsdale, AZ 85253
Business Interest Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Arizona Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
2020 N CENTRAL AVE STE 100
PHOENIX, AZ 85004
Business Classic Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

Gainey Business Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
8501 N Scottsdale Rd
Scottsdale, AZ 85253
Business Interest Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Notre Dame Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
4645 N 32nd St Ste 100A
Phoenix, AZ 85018 3389
Ultimate Business Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

No additional details provided.

American Southwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.41%
3090 E Fry Blvd
Sierra Vista, AZ 85635
Choice Checking (Business Accounts)
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
615 N 48th St
Phoenix, AZ 85008 6608
Business Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

No additional details provided.

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
2151 E Broadway Rd
Tempe, AZ 85282 1893
Business Checking
0.00%
$100
View
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 26, 2026
Details

No additional details provided.

Credit Union West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
20155 N 67th Ave
Glendale, AZ 85308
Business Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

Arizona Checking Rate Trends

Compare local Arizona checking rate quotes against the statewide average

Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Arizona Checking Trends →
High-Yield Checking — AZ Avg
3.392%
▲ 1.359 vs 7 days ago

Arizona high-yield checking rates rose 1.359 points over the past 7 days to 3.392% APY.

Free Checking — AZ Avg
0.493%
▼ 0.771 vs 7 days ago

Arizona free checking rates fell 0.771 points over the past 7 days to 0.493% APY.

As of Apr 6, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Arizona directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Arizona. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in AZ.

Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.

Frequently Asked Questions

Do checking accounts in Arizona earn interest?

Most traditional local checking accounts in Arizona earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.

Are banks in Arizona FDIC insured?

Yes. Legitimate banks with branches in Arizona are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.

What fees should I watch out for?

Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.

What is a Rewards Checking account?

Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.

Best Checking Rates in Arizona

Based on our current data, some of the highest checking account APYs available to residents of Arizona include:
  • Credit Union West Credit Union
    Heritage High-Yield CheckingTM — 6.00% APY
  • UNIFY Financial Federal Credit Union
    HY Checking — 4.00% APY
  • KS StateBank
    Checking PLUS — 2.53% APY
  • Goldwater Bank
    GOLD CHECKING +++* — 2.00% APY
  • Gateway First Bank
    Gateway Premier Interest Checking — 1.50% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Arizona. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: April 5, 2026

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Checking Account Rates by City in Arizona