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Home Checking Accounts Connecticut Checking Harwinton, Connecticut iAdvertiser Disclosure
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Best Banks & Checking Accounts in Harwinton, Connecticut - April 2026

The best checking rates for Harwinton, Connecticut include Thomaston Savings BankThomaston Savings Bank160 Litchfield Rd, Harwinton, CT 06791A5.0 ★Texas Ratio: 6.58% Interest Checking at 0.05% APY, Scient Federal Credit UnionScient Federal Credit UnionA+5.0 ★Texas Ratio: 1.42% Checking Plus at 3.50% APY, Patriot Bank N.A.Patriot Bank N.A.F2.4 ★Texas Ratio: 45.79% CA IOLTA/IOLA Checking at 2.80% APY, First County BankFirst County BankA+5.0 ★Texas Ratio: 2.27% High Yield Checking at 2.22% APY, and Paramount BankParamount BankA5.0 ★Texas Ratio: 10.91% Interest Checking at 2.00% APY. Checking account rates as of April 12, 2026 according to verified data from MonitorBankRates.

Harwinton has 1 local institution in our database, with checking rates as high as 0.05% APY from Thomaston Savings Bank at 160 Litchfield Rd, Harwinton, CT, 06791. 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 Harwinton, Connecticut. Checking Account Rates Last Updated and Verified: April 12, 2026

Compare Checking Account Rates Today in Harwinton, Connecticut & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Thomaston Savings Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.58%
160 Litchfield Rd
Harwinton, CT 06791
Interest Checking
0.05%
$25
Rate0.05%
Min Deposit$25
Min Balance
UpdatedApr 11, 2026
Details

No additional details provided.

Thomaston Savings Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.58%
160 Litchfield Rd
Harwinton, CT 06791
Interest Checking
0.00%
$25
Rate0.00%
Min Deposit$25
Min Balance
UpdatedApr 11, 2026
Details

No additional details provided.

Scient Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Checking Plus
3.50%
$0
Rate3.44%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

No additional details provided.

Patriot Bank N.A.
Institution Rating:
F2.4 ★ Texas Ratio: 45.79%
CA IOLTA/IOLA Checking
2.80%
$0
Rate2.72%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

No additional details provided.

Patriot Bank N.A.
Institution Rating:
F2.4 ★ Texas Ratio: 45.79%
CT IOLTA/IOLA Checking
2.50%
$0
Rate2.44%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

No additional details provided.

Patriot Bank N.A.
Institution Rating:
F2.4 ★ Texas Ratio: 45.79%
Municipal Interest Checking
2.50%
$0
Rate2.44%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

No additional details provided.

Patriot Bank N.A.
Institution Rating:
F2.4 ★ Texas Ratio: 45.79%
NY IOLTA/IOLA Checking
2.50%
$0
Rate2.44%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

No additional details provided.

First County Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
High Yield Checking
2.22%
$0
Rate2.20%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

Qualifications Required; Qualifying balance up to $15,000.00

Paramount Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.91%
Interest Checking
2.00%
$100
Rate1.98%
Min Deposit$100
Min Balance
UpdatedApr 11, 2026
Details

No Fees4

Patriot Bank N.A.
Institution Rating:
F2.4 ★ Texas Ratio: 45.79%
The One Account (Checking)
2.00%
$0
Rate2.00%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

No additional details provided.

Finex Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.20%
High Yield Checking Account Premier Membership
1.97%
$0
Rate1.95%
Min Deposit$0
Min Balance
UpdatedApr 9, 2026
Details

No additional details provided.

Finex Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.20%
High Yield Checking Account General Membership
1.05%
$0
Rate1.04%
Min Deposit$0
Min Balance
UpdatedApr 9, 2026
Details

No additional details provided.

CorePlus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
IOLTA Checking
0.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

No additional details provided.

Patriot Bank N.A.
Institution Rating:
F2.4 ★ Texas Ratio: 45.79%
NY IOLTA/IOLA Checking
0.50%
$0
Rate0.49%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

No additional details provided.

Patriot Bank N.A.
Institution Rating:
F2.4 ★ Texas Ratio: 45.79%
CT IOLTA/IOLA Checking
0.50%
$0
Rate0.49%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

No additional details provided.

Patriot Bank N.A.
Institution Rating:
F2.4 ★ Texas Ratio: 45.79%
Nonprofit Interest Checking
0.50%
$0
Rate0.49%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

No additional details provided.

Essex Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Flag Ship Checking
0.30%
$25
Rate0.30%
Min Deposit$25
Min Balance
UpdatedApr 11, 2026
Details

$100,000.00+ Balance

Essex Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Flag Ship Checking
0.25%
$25
Rate0.25%
Min Deposit$25
Min Balance
UpdatedApr 11, 2026
Details

$50,000.00-$99,999.99 Balance

Hometown Bank Oxford, MA
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Get More Checking
0.20%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

No additional details provided.

Ion Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.95%
Preferred Checking with Interest
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Thomaston Savings Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.58%
160 Litchfield Rd
Harwinton, CT 06791
Interest Checking
0.05%
$25
Rate0.05%
Min Deposit$25
Min Balance
UpdatedApr 11, 2026
Details

No additional details provided.

Thomaston Savings Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.58%
160 Litchfield Rd
Harwinton, CT 06791
Interest Checking
0.00%
$25
Rate0.00%
Min Deposit$25
Min Balance
UpdatedApr 11, 2026
Details

No additional details provided.

Scient Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.42%
Checking Plus
3.50%
$0
Rate3.44%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

No additional details provided.

Patriot Bank N.A.
Institution Rating:
F2.4 ★ Texas Ratio: 45.79%
CA IOLTA/IOLA Checking
2.80%
$0
Rate2.72%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

No additional details provided.

Patriot Bank N.A.
Institution Rating:
F2.4 ★ Texas Ratio: 45.79%
CT IOLTA/IOLA Checking
2.50%
$0
Rate2.44%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

No additional details provided.

Patriot Bank N.A.
Institution Rating:
F2.4 ★ Texas Ratio: 45.79%
Municipal Interest Checking
2.50%
$0
Rate2.44%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

No additional details provided.

Patriot Bank N.A.
Institution Rating:
F2.4 ★ Texas Ratio: 45.79%
NY IOLTA/IOLA Checking
2.50%
$0
Rate2.44%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

No additional details provided.

First County Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
High Yield Checking
2.22%
$0
Rate2.20%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

Qualifications Required; Qualifying balance up to $15,000.00

Paramount Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.91%
Interest Checking
2.00%
$100
Rate1.98%
Min Deposit$100
Min Balance
UpdatedApr 11, 2026
Details

No Fees4

Patriot Bank N.A.
Institution Rating:
F2.4 ★ Texas Ratio: 45.79%
The One Account (Checking)
2.00%
$0
Rate2.00%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

No additional details provided.

Finex Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.20%
High Yield Checking Account Premier Membership
1.97%
$0
Rate1.95%
Min Deposit$0
Min Balance
UpdatedApr 9, 2026
Details

No additional details provided.

Finex Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.20%
High Yield Checking Account General Membership
1.05%
$0
Rate1.04%
Min Deposit$0
Min Balance
UpdatedApr 9, 2026
Details

No additional details provided.

Patriot Bank N.A.
Institution Rating:
F2.4 ★ Texas Ratio: 45.79%
Nonprofit Interest Checking
0.50%
$0
Rate0.49%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

No additional details provided.

Ion Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.95%
Preferred Checking with Interest
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

No additional details provided.

Connecticut Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Premium NOW Checking
0.15%
$25,000
Rate0.14%
Min Deposit$25,000
Min Balance
UpdatedApr 11, 2026
Details

Variable

Connecticut Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Premium NOW Checking
0.10%
$25,000
Rate0.09%
Min Deposit$25,000
Min Balance
UpdatedApr 11, 2026
Details

Variable

Finex Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.20%
High Yield Checking Account Premier Membership
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedApr 9, 2026
Details

No additional details provided.

Finex Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.20%
High Yield Checking Account General Membership
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedApr 9, 2026
Details

No additional details provided.

Ion Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.95%
Preferred Checking with Interest
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

No additional details provided.

Crosspoint Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.65%
Flaggship Plus Checking
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

No additional details provided.

No Rewards accounts found at this time.
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
Freedom Ultra Checking
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMar 29, 2026
Details

No additional details provided.

Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
Freedom Plus Checking
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMar 29, 2026
Details

No additional details provided.

First County Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
Interest Access Checking
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

daily collected balance of $1.00 or more

Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
Freedom Checking
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedMar 29, 2026
Details

No additional details provided.

Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
Simply Free Checking
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedMar 29, 2026
Details

No additional details provided.

Paramount Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.91%
Free Checking
0.00%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedApr 11, 2026
Details

No Fees

Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
Freedom Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 29, 2026
Details

No additional details provided.

Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
Freedom Plus Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 29, 2026
Details

No additional details provided.

Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
Freedom Ultra Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 29, 2026
Details

No additional details provided.

Washington Trust Company, of Westerly
Institution Rating:
A5.0 ★ Texas Ratio: 7.68%
Simply Free Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 29, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Windsor Federal S&L
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
Student Checking Account
0.05%
$10
Rate0.05%
Min Deposit$10
Min Balance
UpdatedApr 11, 2026
Details

No additional details provided.

Windsor Federal S&L
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
Student Checking Account
0.02%
$10
Rate0.02%
Min Deposit$10
Min Balance
UpdatedApr 11, 2026
Details

No additional details provided.

Crosspoint Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.65%
Student Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Patriot Bank N.A.
Institution Rating:
F2.4 ★ Texas Ratio: 45.79%
The One Account for Business (Checking)
2.00%
$0
Rate2.00%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

No additional details provided.

Newtown Savings Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.92%
Business NOW Checking
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

No additional details provided.

New Haven Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.25%
Business Checking with Interest
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

No additional details provided.

DR Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
BUSINESS NOW CHECKING & IOLTA
0.05%
$500
Rate0.00%
Min Deposit$500
Min Balance
UpdatedApr 11, 2026
Details

No additional details provided.

Northwest Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.08%
Business Checking Now and OVER
0.05%
$25
Rate0.05%
Min Deposit$25
Min Balance
UpdatedApr 11, 2026
Details

$30,000.00

Northwest Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.08%
Business Checking Now to $19,999.99
0.05%
$25
Rate0.05%
Min Deposit$25
Min Balance
UpdatedApr 11, 2026
Details

$10,000.00

Northwest Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.08%
Business Checking Now to $29,999.99
0.05%
$25
Rate0.05%
Min Deposit$25
Min Balance
UpdatedApr 11, 2026
Details

$20,000.00

Northwest Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.08%
Business Checking Now to $9,999.99
0.05%
$25
Rate0.05%
Min Deposit$25
Min Balance
UpdatedApr 11, 2026
Details

$0.01

Connecticut Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.77%
Business NOW Checking
0.05%
$100
Rate0.04%
Min Deposit$100
Min Balance
UpdatedApr 11, 2026
Details

Variable

American Eagle Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
Small Business Checking
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

No additional details provided.

Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
Business Checking for Non-Profits
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

No additional details provided.

Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
Plus Business Checking
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

No additional details provided.

Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.61%
Standard Business Checking
0.01%
$0
Rate0.01%
Min Deposit$0
Min Balance
UpdatedApr 5, 2026
Details

No additional details provided.

Paramount Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.91%
Small Business Checking
0.00%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedApr 11, 2026
Details

No Fees

Patriot Bank N.A.
Institution Rating:
F2.4 ★ Texas Ratio: 45.79%
The One Account for Business (Checking)
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 11, 2026
Details

No additional details provided.

Harwinton, CT Checking Rate Trends

Compare local Harwinton, CT 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 Connecticut Checking Trends →
High-Yield Checking — CT Avg
1.780%
▼ 0.055 vs 7 days ago

Connecticut high-yield checking rates fell 0.055 points over the past 7 days to 1.780% APY.

Free Checking — CT Avg
0.646%
▲ 0.592 vs 7 days ago

Connecticut free checking rates rose 0.592 points over the past 7 days to 0.646% 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 Harwinton, Connecticut 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 Harwinton, Connecticut. 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 CT.

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 Harwinton, Connecticut earn interest?

Most traditional local checking accounts in Harwinton, Connecticut 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 Harwinton, Connecticut FDIC insured?

Yes. Legitimate banks with branches in Harwinton, Connecticut 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 Harwinton, Connecticut

Based on our current data, some of the highest checking account APYs available to residents of Harwinton, Connecticut include:
  • Thomaston Savings Bank
    Interest Checking — 0.05% APY
  • Scient Federal Credit Union
    Checking Plus — 3.50% APY
  • Patriot Bank N.A.
    CA IOLTA/IOLA Checking — 2.80% APY
  • First County Bank
    High Yield Checking — 2.22% APY
  • Paramount Bank
    Interest Checking — 2.00% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Harwinton, Connecticut. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: April 12, 2026