MonitorBankRates
Home Checking Accounts Arizona Checking Tempe, Arizona iAdvertiser Disclosure
Advertiser Disclosure Some of the institutions listed may have a business relationship with MonitorBankRates. However, our proprietary systems independently track and verify all rates and data displayed. Advertiser relationships do not influence our Health Safety Rating, Star Ratings or Texas Ratio calculation, or the rates shown.

Best Banks & Checking Accounts in Tempe, Arizona - May 2026

The best checking rates for Tempe, Arizona include UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union111 W Rio Salado Pkwy, Tempe, AZ 85281B4.4 ★Texas Ratio: 17.71% HY Checking at 4.00% APY, First Credit UnionFirst Credit Union1232 E Baseline Rd, Tempe, AZ 85283A+5.0 ★Texas Ratio: 4.07% Business Premier Checking at 0.50% APY, American Airlines Federal Credit UnionAmerican Airlines Federal Credit Union1821 W Rio Salado Pkwy, Tempe, AZ 85281 2492A+5.0 ★Texas Ratio: 2.51% Priority Checking at 0.40% APY, America First Federal Credit UnionAmerica First Federal Credit Union1511 N Project Dr, Tempe, AZ 85288 1761A5.0 ★Texas Ratio: 7.26% Premium Checking at 0.10% APY, and TruWest Credit UnionTruWest Credit Union1345 W Warner Rd, Tempe, AZ 85284 2823A+5.0 ★Texas Ratio: 3.80% Cash Back Checking at 0.05% APY. Checking account rates as of May 22, 2026 according to verified data from MonitorBankRates.

Tempe has 7 local institutions in our database, with checking rates as high as 4.00% APY from UNIFY Financial Federal Credit Union at 111 W Rio Salado Pkwy, Tempe, AZ, 85281. 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 Tempe, Arizona. Checking Account Rates Last Updated and Verified: May 22, 2026

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

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
111 W Rio Salado Pkwy
Tempe, AZ 85281
HY Checking
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMay 17, 2026
Details

No additional details provided.

First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
1232 E Baseline Rd
Tempe, AZ 85283
Business Premier Checking Business
0.50%
$100,000
Rate0.00%
Min Deposit$100,000
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1821 W Rio Salado Pkwy
Tempe, AZ 85281 2492
Priority Checking
0.40%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 22, 2026
Details

No additional details provided.

First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
1232 E Baseline Rd
Tempe, AZ 85283
Business Premier Checking Business
0.35%
$50,000
Rate0.00%
Min Deposit$50,000
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1821 W Rio Salado Pkwy
Tempe, AZ 85281 2492
Flagship Checking
0.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 22, 2026
Details

No additional details provided.

First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
1232 E Baseline Rd
Tempe, AZ 85283
Business Premier Checking Business
0.25%
$2,500
Rate0.00%
Min Deposit$2,500
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1821 W Rio Salado Pkwy
Tempe, AZ 85281 2492
Business Checking Business
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 22, 2026
Details

No additional details provided.

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
1511 N Project Dr
Tempe, AZ 85288 1761
Premium Checking
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMay 22, 2026
Details

No additional details provided.

TruWest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
1345 W Warner Rd
Tempe, AZ 85284 2823
Cash Back Checking
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 18, 2026
Details

No additional details provided.

TruWest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
1345 W Warner Rd
Tempe, AZ 85284 2823
High Yield Checking
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 18, 2026
Details

No additional details provided.

Arizona Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.01%
4455 S Rural Rd
Tempe, AZ 85282
Business Classic Checking Business
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMay 18, 2026
Details

No additional details provided.

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
2151 E Broadway Rd
Tempe, AZ 85282 1893
Ready Checking
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 18, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
111 W Rio Salado Pkwy
Tempe, AZ 85281
HY Checking
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMay 17, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
111 W Rio Salado Pkwy
Tempe, AZ 85281
HY Checking Account
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 17, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
111 W Rio Salado Pkwy
Tempe, AZ 85281
Premier Checking
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMay 17, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
111 W Rio Salado Pkwy
Tempe, AZ 85281
Premier Checking Account
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 17, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
111 W Rio Salado Pkwy
Tempe, AZ 85281
eChecking
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMay 17, 2026
Details

No additional details provided.

TruWest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
1345 W Warner Rd
Tempe, AZ 85284 2823
Simply Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 18, 2026
Details

No additional details provided.

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
2151 E Broadway Rd
Tempe, AZ 85282 1893
Business Checking Business
0.00%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMay 18, 2026
Details

No additional details provided.

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
2151 E Broadway Rd
Tempe, AZ 85282 1893
eChecking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 18, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
111 W Rio Salado Pkwy
Tempe, AZ 85281
HY Checking
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMay 17, 2026
Details

No additional details provided.

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
1511 N Project Dr
Tempe, AZ 85288 1761
Premium Checking
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMay 22, 2026
Details

No additional details provided.

TruWest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
1345 W Warner Rd
Tempe, AZ 85284 2823
High Yield Checking
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 18, 2026
Details

No additional details provided.

Credit Union West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Heritage High-Yield CheckingTM
6.00%
$0
Rate5.84%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

Qualifying balance up to $20,000.00

Goldwater Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.19%
GOLD CHECKING +++*
2.00%
$500
Rate2.00%
Min Deposit$500
Min Balance
UpdatedMay 21, 2026
Details

up to $20,000

Goldwater Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.19%
GOLDEN CHECKING - 50+*
1.00%
$100
Rate1.00%
Min Deposit$100
Min Balance
UpdatedMay 21, 2026
Details

No additional details provided.

Hughes Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 14.56%
Checking PLUS
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMay 22, 2026
Details

No additional details provided.

1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Premium Checking
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMay 21, 2026
Details

No additional details provided.

1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Premium Checking
0.27%
$0
Rate0.27%
Min Deposit$0
Min Balance
UpdatedMay 21, 2026
Details

No additional details provided.

1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Premium Checking
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMay 21, 2026
Details

No additional details provided.

1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Premium Checking
0.22%
$0
Rate0.22%
Min Deposit$0
Min Balance
UpdatedMay 21, 2026
Details

No additional details provided.

1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Premium Checking
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMay 21, 2026
Details

No additional details provided.

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
Advantage Checking
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMay 21, 2026
Details

No additional details provided.

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
Advantage Checking
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMay 21, 2026
Details

Minimum Balance to Earn Dividends: $50,000 - $74,999

1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Premium Checking
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMay 21, 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
UpdatedMay 21, 2026
Details

No additional details provided.

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
Advantage Checking
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMay 21, 2026
Details

No additional details provided.

1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Premium Checking
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMay 21, 2026
Details

No additional details provided.

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
UpdatedMay 21, 2026
Details

No additional details provided.

1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Premium Checking
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMay 21, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
TruWest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
1345 W Warner Rd
Tempe, AZ 85284 2823
Cash Back Checking
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 18, 2026
Details

No additional details provided.

Credit Union of Southern California
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
Rewards Checking
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

Copper State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.92%
CashBack Checking
0.01%
$25
Rate0.01%
Min Deposit$25
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
111 W Rio Salado Pkwy
Tempe, AZ 85281
FREE Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 17, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
111 W Rio Salado Pkwy
Tempe, AZ 85281
FREE Checking Account
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 17, 2026
Details

No additional details provided.

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
Simple Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 21, 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: 8.11%
YOUth Journey Checking
0.05%
$25
Rate0.05%
Min Deposit$25
Min Balance
UpdatedMay 22, 2026
Details

No additional details provided.

Copper State Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.92%
Teen Checking
0.01%
$25
Rate0.01%
Min Deposit$25
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.91%
Student Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 20, 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: 4.07%
1232 E Baseline Rd
Tempe, AZ 85283
Business Premier Checking Business
0.50%
$100,000
Rate0.00%
Min Deposit$100,000
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
1232 E Baseline Rd
Tempe, AZ 85283
Business Premier Checking Business
0.35%
$50,000
Rate0.00%
Min Deposit$50,000
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
1232 E Baseline Rd
Tempe, AZ 85283
Business Premier Checking Business
0.25%
$2,500
Rate0.00%
Min Deposit$2,500
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
1821 W Rio Salado Pkwy
Tempe, AZ 85281 2492
Business Checking Business
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 22, 2026
Details

No additional details provided.

Arizona Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.01%
4455 S Rural Rd
Tempe, AZ 85282
Business Classic Checking Business
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMay 18, 2026
Details

No additional details provided.

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
2151 E Broadway Rd
Tempe, AZ 85282 1893
Business Checking Business
0.00%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedMay 18, 2026
Details

No additional details provided.

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
Business growth checking Business
0.50%
$0
Rate0.50%
Min Deposit$0
Min Balance
UpdatedMay 22, 2026
Details

$20,000 +

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
Business analysis checking earnings credit Business
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMay 22, 2026
Details

$20,000 +

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
Business growth checking to $19,999 Business
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMay 22, 2026
Details

$1,000

Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.03%
Business Checking Business
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 18, 2026
Details

No additional details provided.

Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.03%
Business Checking Business
0.10%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 18, 2026
Details

No additional details provided.

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
Business analysis checking earnings credit Business
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMay 22, 2026
Details

under $20,000

Gainey Business Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Business Interest Checking Business
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMay 21, 2026
Details

No additional details provided.

Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
Business Interest Checking Business
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMay 21, 2026
Details

No additional details provided.

Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
Premier Business Interest Checking Business
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMay 21, 2026
Details

No additional details provided.

Gainey Business Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Business Interest Checking Business
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMay 21, 2026
Details

No additional details provided.

Gainey Business Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Business Interest Checking Business
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 21, 2026
Details

No additional details provided.

American Southwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.92%
Choice Checking (Business Accounts) Business
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

Credit Union West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.75%
Business Checking Business
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.03%
Business Checking Business
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 18, 2026
Details

No additional details provided.

Tempe, AZ Checking Rate Trends

Compare local Tempe, 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
2.424%
▼ 0.005 vs 7 days ago

Arizona high-yield checking rates fell 0.005 points over the past 7 days to 2.424% APY.

Free Checking — AZ Avg
1.241%
▲ 0.454 vs 7 days ago

Arizona free checking rates rose 0.454 points over the past 7 days to 1.241% APY.

As of May 22, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Tempe, Arizona checking rate tables are free for consumers to use, and we do not receive payment from any financial institution to be included or to be ranked in any particular order. Listings are based solely on the rates each institution publicly advertises on its own website.

A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Tempe, 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 sourcing this data 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 Tempe, 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 Tempe, Arizona earn interest?

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

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

Based on our current data, some of the highest checking account APYs available to residents of Tempe, Arizona include:
  • UNIFY Financial Federal Credit Union
    HY Checking — 4.00% APY
  • First Credit Union
    Business Premier Checking — 0.50% APY
  • American Airlines Federal Credit Union
    Priority Checking — 0.40% APY
  • America First Federal Credit Union
    Premium Checking — 0.10% APY
  • TruWest Credit Union
    Cash Back Checking — 0.05% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Tempe, Arizona. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: May 22, 2026