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Best Banks & Checking Accounts in Long Beach, California - April 2026

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Brian McKay Brian McKay
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Brian McKay

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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 11, 2026

The best checking rates for Long Beach, California include Southland Credit UnionSouthland Credit Union2250 N Bellflower Blvd, Long Beach, CA 90815 2017A5.0 ★Texas Ratio: 7.82% Interest Checking Account Tier 1 at 1.55% APY, Nuvision Federal Credit UnionNuvision Federal Credit Union6547 E Pacific Coast Hwy Ste H7, Long Beach, CA 90803 4202A+5.0 ★Texas Ratio: 3.70% Advantage Checking at 0.20% APY, SchoolsFirst Federal Credit UnionSchoolsFirst Federal Credit Union4725 E 2nd St Ste D, Long Beach, CA 90803 5374A+5.0 ★Texas Ratio: 5.68% Investment Checking at 0.10% APY, LBS Financial Credit UnionLBS Financial Credit Union4436 Atlantic Ave, Long Beach, CA 90807A+5.0 ★Texas Ratio: 2.06% Interest Checking Accounts at 0.10% APY, and Arrowhead Central Credit UnionArrowhead Central Credit Union5531 E Stearns St, Long Beach, CA 90815A+5.0 ★Texas Ratio: 2.28% Consumer Dividend Checking at 0.08% APY. Checking account rates as of April 11, 2026 according to verified data from MonitorBankRates.

Long Beach has 7 local institutions in our database, with checking rates as high as 1.55% APY from Southland Credit Union at 2250 N Bellflower Blvd, Long Beach, CA, 90815 2017. 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 Long Beach, California. Checking Account Rates Last Updated and Verified: April 11, 2026

Compare Checking Account Rates Today in Long Beach, California & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
2250 N Bellflower Blvd
Long Beach, CA 90815 2017
Interest Checking Account Tier 1
1.55%
$0
View
▼
Rate1.54%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Maximum Balance $10,000

Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
2250 N Bellflower Blvd
Long Beach, CA 90815 2017
Interest Checking Account
1.55%
$0
View
▼
Rate1.54%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Qualifying balance up to $10,000.00

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
6547 E Pacific Coast Hwy Ste H7
Long Beach, CA 90803 4202
Advantage Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

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

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
6547 E Pacific Coast Hwy Ste H7
Long Beach, CA 90803 4202
Advantage Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.68%
4725 E 2nd St Ste D
Long Beach, CA 90803 5374
Investment Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
2250 N Bellflower Blvd
Long Beach, CA 90815 2017
Interest Checking Account Tier 2
0.10%
$10,001
View
▼
Rate0.10%
Min Deposit$10,001
Min Balance—
UpdatedApr 9, 2026
Details

Maximum Balance $0

LBS Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
4436 Atlantic Ave
Long Beach, CA 90807
Interest Checking Accounts
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

No additional details provided.

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
6547 E Pacific Coast Hwy Ste H7
Long Beach, CA 90803 4202
Opportunity Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
6547 E Pacific Coast Hwy Ste H7
Long Beach, CA 90803 4202
Advantage Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
5531 E Stearns St
Long Beach, CA 90815
Consumer Dividend Checking
0.08%
$100
View
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedApr 6, 2026
Details

Minimum to open is $100.

Poppy Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.79%
6290 E Pacific Coast Hwy
Long Beach, CA 90803
Poppy Cares Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

No additional details provided.

ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
3447 Atlantic Ave
Long Beach, CA 90807
FREE Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

SchoolsFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.68%
4725 E 2nd St Ste D
Long Beach, CA 90803 5374
Investment Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
2250 N Bellflower Blvd
Long Beach, CA 90815 2017
Super Checking Qualified Rate
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

No additional details provided.

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
6547 E Pacific Coast Hwy Ste H7
Long Beach, CA 90803 4202
Advantage Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
6547 E Pacific Coast Hwy Ste H7
Long Beach, CA 90803 4202
Opportunity Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Minimum Balance to Earn Dividends: $2,500 - $9,999

Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
5531 E Stearns St
Long Beach, CA 90815
Consumer Dividend Checking
0.03%
$100
View
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedApr 6, 2026
Details

Minimum to open is $100.

Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
2250 N Bellflower Blvd
Long Beach, CA 90815 2017
Super Checking Non-Qualified Rate
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

No additional details provided.

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
6547 E Pacific Coast Hwy Ste H7
Long Beach, CA 90803 4202
Simple Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
5531 E Stearns St
Long Beach, CA 90815
Consumer Dividend Checking
0.00%
$100
View
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedApr 6, 2026
Details

Minimum to open is $100.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
2250 N Bellflower Blvd
Long Beach, CA 90815 2017
Interest Checking Account Tier 1
1.55%
$0
View
▼
Rate1.54%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Maximum Balance $10,000

Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
2250 N Bellflower Blvd
Long Beach, CA 90815 2017
Interest Checking Account
1.55%
$0
View
▼
Rate1.54%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Qualifying balance up to $10,000.00

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
6547 E Pacific Coast Hwy Ste H7
Long Beach, CA 90803 4202
Advantage Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

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

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
6547 E Pacific Coast Hwy Ste H7
Long Beach, CA 90803 4202
Advantage Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
6547 E Pacific Coast Hwy Ste H7
Long Beach, CA 90803 4202
Advantage Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

LBS Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
4436 Atlantic Ave
Long Beach, CA 90807
Interest Checking Accounts
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

No additional details provided.

Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
2250 N Bellflower Blvd
Long Beach, CA 90815 2017
Interest Checking Account Tier 2
0.10%
$10,001
View
▼
Rate0.10%
Min Deposit$10,001
Min Balance—
UpdatedApr 9, 2026
Details

Maximum Balance $0

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
6547 E Pacific Coast Hwy Ste H7
Long Beach, CA 90803 4202
Advantage Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
6547 E Pacific Coast Hwy Ste H7
Long Beach, CA 90803 4202
Advantage Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifying balance up to $15000

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifying balance up to $15000

Heritage Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.33%
Kasasa Cash Checking
5.00%
$25
View
▼
Rate4.89%
Min Deposit$25
Min Balance—
UpdatedApr 9, 2026
Details

Qualifying balance up to $25,000.00

Sacramento Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
FREE REWARDS CHECKING
4.50%
$0
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Requirements Met

Heritage Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.33%
Kasasa Cash Checking
4.00%
$25
View
▼
Rate3.93%
Min Deposit$25
Min Balance—
UpdatedApr 9, 2026
Details

Qualifying balance up to $25,000.00

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

No additional details provided.

F&A Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
High Yield eChecking
4.00%
$0
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Qualifying balance up to $10,000.00

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifying balance up to $15000

Americas Christian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Elite Checking Tier 1
4.00%
$100
View
▼
Rate3.93%
Min Deposit$100
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 1
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifying balance up to $15000

Together Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.65%
High Interest Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Qualifications Required: Make 15 debit card purchases that post and settle your account; Have one ACH credit or direct deposit post to your account; Be enrolled in eStatements; Qualifying balance up to $25,000.00

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Heritage Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.33%
Kasasa Cash Checking
5.00%
$25
View
▼
Rate4.89%
Min Deposit$25
Min Balance—
UpdatedApr 9, 2026
Details

Qualifying balance up to $25,000.00

Sacramento Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
FREE REWARDS CHECKING
4.50%
$0
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Requirements Met

Heritage Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.33%
Kasasa Cash Checking
4.00%
$25
View
▼
Rate3.93%
Min Deposit$25
Min Balance—
UpdatedApr 9, 2026
Details

Qualifying balance up to $25,000.00

Star One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
Rewards Checking Account
3.51%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Qualifying balance up to $0.01

Heritage Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.33%
Kasasa Cash Checking
3.50%
$25
View
▼
Rate3.45%
Min Deposit$25
Min Balance—
UpdatedApr 9, 2026
Details

Qualifying balance up to $25,000.00

Foothill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Rewards Checking
3.25%
$0
View
▼
Rate3.19%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Qualifications Required; Qualifying balance up to $2,500.00

Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Kasasa Cash Checking - Qualifying
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifying balance up to $10,000.00

Kaiperm Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
Thrive Rewards Checking
2.35%
$25
View
▼
Rate2.33%
Min Deposit$25
Min Balance—
UpdatedApr 4, 2026
Details

Qualifications Required; Qualifying balance up to $15,000.00

Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
Smart REWARDS Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

Qualifications Required; Qualifying balance up to $15,000.00

Carolinas Telco Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Rewards Checking
1.76%
$0
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedApr 5, 2026
Details

Qualifying balance up to $15,000.00

Provident Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
Super Reward Checking
1.26%
$0
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

Qualifying balance up to $25,000

Noble Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Noble Perks Plus Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 6, 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
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

No additional details provided.

Upward Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.57%
Kasasa Cash Checking - Non-Qualifying
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

All balances in non-qualifying accounts

Noble Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Noble Perks Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
ILWU Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
3447 Atlantic Ave
Long Beach, CA 90807
FREE Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
6547 E Pacific Coast Hwy Ste H7
Long Beach, CA 90803 4202
Simple Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Sacramento Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
FREE REWARDS CHECKING
4.50%
$0
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

Requirements Met

First Us Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Better Than FREE Checking
1.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

No additional details provided.

Beverly Hills City Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.76%
Free Checking Account
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No minimum balance requirment; No direct Deposit requirement; No monthly Debit Card fee; Friendy staff who welcomes you by name; 28,000+ nationwide free ATM network; Plus 0.5% APY* on balance over $250 on your Saving Account; Any Beverly Hills City Employee and their immediate family or household member can join; Visit us or go online to www.bhcefcu.org to open your free checking account today!

Star One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
Free Checking Account
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

No additional details provided.

Universal Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Basic Interest Checking
0.04%
$0
View
▼
Rate0.04%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Los Angeles Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
Free Checking or Connect (Share Draft)
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Ventura County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
Simply Essential Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

No additional details provided.

Travis Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.39%
Free Checking
0.00%
$50
View
▼
Rate0.00%
Min Deposit$50
Min Balance—
UpdatedApr 9, 2026
Details

Minimum Initial Deposit $50

Dow Great Western Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.77%
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

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

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Teen Checking
1.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Star One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.72%
Student Checking Account
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

No additional details provided.

Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.91%
YOUth Journey Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

Kaiperm Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
Student Checking
0.05%
$25
View
▼
Rate0.05%
Min Deposit$25
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Poppy Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.79%
6290 E Pacific Coast Hwy
Long Beach, CA 90803
Signature Business Checking
1.00%
$0
View
▼
Rate0.99%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

No additional details provided.

Poppy Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.79%
6290 E Pacific Coast Hwy
Long Beach, CA 90803
Premier Business Checking
0.50%
$0
View
▼
Rate0.49%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

No additional details provided.

Poppy Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.79%
6290 E Pacific Coast Hwy
Long Beach, CA 90803
Preferred Business Checking
0.25%
$0
View
▼
Rate0.24%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

No additional details provided.

Southland Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.82%
2250 N Bellflower Blvd
Long Beach, CA 90815 2017
Business Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

No additional details provided.

Eagle Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
Premier Business Checking
2.00%
$100
View
▼
Rate1.98%
Min Deposit$100
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

UNCLE Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Business Premier Checking
0.86%
$0
View
▼
Rate0.86%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

UNCLE Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Business Premier Checking
0.57%
$0
View
▼
Rate0.57%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

EverBank
Institution Rating:
B4.5 ★ Texas Ratio: 20.65%
Business Interest Checking
0.55%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

EverBank
Institution Rating:
B4.5 ★ Texas Ratio: 20.65%
Small Business Checking
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
Business Elite Checking
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Premier Business Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

United Pacific Bank
Institution Rating:
A-4.9 ★ Texas Ratio: 15.96%
Business High Yield Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Minimum Daily Balance of $2,500 to Obtain the APY

Home Bank of California
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Better Business Interest Checking
0.20%
$500
View
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedApr 11, 2026
Details

No additional details provided.

United Pacific Bank
Institution Rating:
A-4.9 ★ Texas Ratio: 15.96%
Business High Yield Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 3, 2026
Details

Minimum Daily Balance of $2,500 to Obtain the APY

Coast Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Business Interest Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 6, 2026
Details

No additional details provided.

Valley First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.74%
Interest Business Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

No additional details provided.

Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.61%
Platinum Business Checking
0.20%
$0
View
▼
Rate0.19%
Min Deposit$0
Min Balance—
UpdatedApr 9, 2026
Details

No additional details provided.

American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.60%
Business Premier Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 11, 2026
Details

Balance to Earn Monthly Dividends: $500+

UNCLE Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Business Premier Checking
0.18%
$0
View
▼
Rate0.18%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

UNCLE Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.45%
Business Premier Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 8, 2026
Details

No additional details provided.

Long Beach, CA Checking Rate Trends

Compare local Long Beach, CA 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 California Checking Trends →
High-Yield Checking — CA Avg
1.873%
▼ 1.142 vs 7 days ago

California high-yield checking rates fell 1.142 points over the past 7 days to 1.873% APY.

Free Checking — CA Avg
0.795%
▼ 0.052 vs 7 days ago

California free checking rates fell 0.052 points over the past 7 days to 0.795% APY.

As of Apr 12, 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 Long Beach, California 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 Long Beach, California. 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 CA.

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 Long Beach, California earn interest?

Most traditional local checking accounts in Long Beach, California 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 Long Beach, California FDIC insured?

Yes. Legitimate banks with branches in Long Beach, California 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 Long Beach, California

Based on our current data, some of the highest checking account APYs available to residents of Long Beach, California include:
  • Southland Credit Union
    Interest Checking Account Tier 1 — 1.55% APY
  • Nuvision Federal Credit Union
    Advantage Checking — 0.20% APY
  • SchoolsFirst Federal Credit Union
    Investment Checking — 0.10% APY
  • LBS Financial Credit Union
    Interest Checking Accounts — 0.10% APY
  • Arrowhead Central Credit Union
    Consumer Dividend Checking — 0.08% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Long Beach, California. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: April 11, 2026

Long Beach, California Rates & Resources

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