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Home Checking Accounts Arizona Checking Goodyear, Arizona iAdvertiser Disclosure
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Best Banks & Checking Accounts in Goodyear, Arizona - April 2026

The best checking rates for Goodyear, Arizona include America First Federal Credit UnionAmerica First Federal Credit Union15725 W McDowell Rd, Goodyear, AZ 85395A5.0 ★Texas Ratio: 8.12% Premium Checking at 0.10% APY, Copper State Credit UnionCopper State Credit Union1270 N Dysart Rd, Goodyear, AZ 85395A5.0 ★Texas Ratio: 7.57% Teen Checking at 0.01% APY, Credit Union West Credit UnionCredit Union West Credit UnionA+5.0 ★Texas Ratio: 3.00% Heritage High-Yield CheckingTM at 6.00% APY, UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit UnionB4.4 ★Texas Ratio: 21.76% HY Checking at 4.00% APY, and Goldwater BankGoldwater BankA5.0 ★Texas Ratio: 11.19% GOLDEN CHECKING - 50+* at 1.00% APY. Checking account rates as of April 27, 2026 according to verified data from MonitorBankRates.

Goodyear has 2 local institutions in our database, with checking rates as high as 0.10% APY from America First Federal Credit Union at 15725 W McDowell Rd, Goodyear, AZ, 85395. Use the tabs below to compare all available checking account types. Rates are continually updated — we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in Goodyear, Arizona. Checking Account Rates Last Updated and Verified: April 27, 2026

Compare Checking Account Rates Today in Goodyear, Arizona & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
15725 W McDowell Rd
Goodyear, AZ 85395
Premium Checking
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

No additional details provided.

Copper State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
1270 N Dysart Rd
Goodyear, AZ 85395
Teen Checking
0.01%
$25
Rate0.01%
Min Deposit$25
Min Balance
UpdatedApr 19, 2026
Details

$75 bonus for new accounts opened through April 30, 2026.

Copper State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
1270 N Dysart Rd
Goodyear, AZ 85395
CashBack Checking
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

No additional details provided.

Credit Union West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Heritage High-Yield CheckingTM
6.00%
$0
Rate5.84%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $20,000.00

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
HY Checking
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

No additional details provided.

Goldwater Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.19%
GOLDEN CHECKING - 50+*
1.00%
$100
Rate1.00%
Min Deposit$100
Min Balance
UpdatedApr 24, 2026
Details

No additional details provided.

Hughes Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.35%
Checking PLUS
0.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 25, 2026
Details

No additional details provided.

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Priority Checking
0.40%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 27, 2026
Details

No additional details provided.

1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Premium Checking
0.30%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 24, 2026
Details

$250,000.00+

1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Premium Checking
0.27%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 24, 2026
Details

$100,000.00 - $249,999.99

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Flagship Checking
0.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 27, 2026
Details

No additional details provided.

Pima Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
CareFREE Plus Checking
0.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 25, 2026
Details

No additional details provided.

1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Premium Checking
0.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 24, 2026
Details

$50,000.00 - $99,999.99

1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Premium Checking
0.22%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 24, 2026
Details

$25,000.00 - $49,999.99

1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Premium Checking **
0.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 24, 2026
Details

$50,000+

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Advantage Checking
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedApr 22, 2026
Details

No additional details provided.

Notre Dame Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
Ultimate Personal Checking*
0.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 27, 2026
Details

No additional details provided.

1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Premium Checking
0.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 24, 2026
Details

$10,000.00 - $24,999.99

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Advantage Checking
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedApr 22, 2026
Details

No additional details provided.

1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Premium Checking **
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 24, 2026
Details

$25,000 - $49,999.99

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
15725 W McDowell Rd
Goodyear, AZ 85395
Premium Checking
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

No additional details provided.

Credit Union West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Heritage High-Yield CheckingTM
6.00%
$0
Rate5.84%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

Qualifying balance up to $20,000.00

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
HY Checking
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

No additional details provided.

Goldwater Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.19%
GOLDEN CHECKING - 50+*
1.00%
$100
Rate1.00%
Min Deposit$100
Min Balance
UpdatedApr 24, 2026
Details

No additional details provided.

Hughes Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.35%
Checking PLUS
0.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 25, 2026
Details

No additional details provided.

1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Premium Checking
0.30%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 24, 2026
Details

$250,000.00+

1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Premium Checking
0.27%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 24, 2026
Details

$100,000.00 - $249,999.99

Pima Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
CareFREE Plus Checking
0.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 25, 2026
Details

No additional details provided.

1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Premium Checking
0.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 24, 2026
Details

$50,000.00 - $99,999.99

1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Premium Checking
0.22%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 24, 2026
Details

$25,000.00 - $49,999.99

1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Premium Checking
0.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 24, 2026
Details

$10,000.00 - $24,999.99

1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Premium Checking **
0.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 24, 2026
Details

$50,000+

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Advantage Checking
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedApr 22, 2026
Details

No additional details provided.

1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Premium Checking
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 24, 2026
Details

$2,500.00 - $9,999.99

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Advantage Checking
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedApr 22, 2026
Details

No additional details provided.

1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Premium Checking **
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 24, 2026
Details

$25,000 - $49,999.99

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Advantage Checking
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedApr 22, 2026
Details

No additional details provided.

Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
America's Best Premier Interest Checking*
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedApr 22, 2026
Details

Monthly

1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Premium Checking **
0.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 24, 2026
Details

$1,000 - $24,999.99

Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
America's Best Interest Checking
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedApr 22, 2026
Details

Monthly

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Copper State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
1270 N Dysart Rd
Goodyear, AZ 85395
CashBack Checking
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

No additional details provided.

Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Rewards Checking
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

No additional details provided.

TruWest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
Cash Back Checking
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Pima Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.69%
CareFREE Plus Checking
0.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 25, 2026
Details

No additional details provided.

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Simple Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 22, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
FREE Checking Account
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
FREE Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Copper State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.57%
1270 N Dysart Rd
Goodyear, AZ 85395
Teen Checking
0.01%
$25
Rate0.01%
Min Deposit$25
Min Balance
UpdatedApr 19, 2026
Details

$75 bonus for new accounts opened through April 30, 2026.

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
YOUth Journey Checking
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 27, 2026
Details

No additional details provided.

Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Student Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 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%
1310 N Litchfield Rd
Goodyear, AZ 85395
Business Premier Checking
0.50%
$100,000
Rate0.00%
Min Deposit$100,000
Min Balance
UpdatedApr 19, 2026
Details

No additional details provided.

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
16326 W Yuma Rd
Goodyear, AZ 85338 3100
Business growth checking
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

$20,000 +

First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
1310 N Litchfield Rd
Goodyear, AZ 85395
Business Premier Checking
0.35%
$50,000
Rate0.00%
Min Deposit$50,000
Min Balance
UpdatedApr 19, 2026
Details

No additional details provided.

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
16326 W Yuma Rd
Goodyear, AZ 85338 3100
Business analysis checking earnings credit
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

$20,000 +

First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
1310 N Litchfield Rd
Goodyear, AZ 85395
Business Premier Checking
0.25%
$2,500
Rate0.00%
Min Deposit$2,500
Min Balance
UpdatedApr 19, 2026
Details

No additional details provided.

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
16326 W Yuma Rd
Goodyear, AZ 85338 3100
Business growth checking
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

$1,000 to $19,999

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
16326 W Yuma Rd
Goodyear, AZ 85338 3100
Business analysis checking earnings credit
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

under $20,000

Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
Business Checking
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

Minimum $5,000

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Business Checking
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 27, 2026
Details

No additional details provided.

Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
Business Checking
0.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

Minimum $3,000

Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
Business Interest Checking
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedApr 22, 2026
Details

Quarterly

Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
Premier Business Interest Checking
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedApr 22, 2026
Details

Monthly

Arizona Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Business Classic Checking
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

No additional details provided.

American Southwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.41%
Choice Checking (Business Accounts)
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

No additional details provided.

Credit Union West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Business Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

No additional details provided.

Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
Business Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

Minimum $0

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
Business Checking
0.00%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedApr 18, 2026
Details

No additional details provided.

Goodyear, AZ Checking Rate Trends

Compare local Goodyear, AZ 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
2.443%
▼ 0.239 vs 7 days ago

Arizona high-yield checking rates fell 0.239 points over the past 7 days to 2.443% APY.

Free Checking — AZ Avg
1.094%
▲ 0.021 vs 7 days ago

Arizona free checking rates rose 0.021 points over the past 7 days to 1.094% APY.

As of Apr 30, 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 Goodyear, 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 Goodyear, 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 Goodyear, Arizona earn interest?

Most traditional local checking accounts in Goodyear, 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 Goodyear, Arizona FDIC insured?

Yes. Legitimate banks with branches in Goodyear, 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 Goodyear, Arizona

Based on our current data, some of the highest checking account APYs available to residents of Goodyear, Arizona include:
  • America First Federal Credit Union
    Premium Checking — 0.10% APY
  • Copper State Credit Union
    Teen Checking — 0.01% APY
  • Credit Union West Credit Union
    Heritage High-Yield CheckingTM — 6.00% APY
  • UNIFY Financial Federal Credit Union
    HY Checking — 4.00% APY
  • Goldwater Bank
    GOLDEN CHECKING - 50+* — 1.00% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Goodyear, Arizona. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: April 27, 2026