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Home Checking Accounts District Of Columbia Checking Trends, District Of Columbia 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 Trends, District Of Columbia - July 2026

The best checking rates for Trends, District Of Columbia include Commonwealth One Federal Credit UnionCommonwealth One Federal Credit UnionA-5.0 ★Texas Ratio: 12.83% Kasasa CashChecking at 5.50% APY, Department of Commerce FCUDepartment of Commerce FCUA+5.0 ★Texas Ratio: 12.49% Advantage Rewards Checking at 5.00% APY, Justice Federal Credit UnionJustice Federal Credit UnionA5.0 ★Texas Ratio: 8.56% Checking at 4.00% APY, Dept of Labor Federal Credit UnionDept of Labor Federal Credit UnionA+5.0 ★Texas Ratio: 2.67% REWARD CHECKING at 2.90% APY, and OAS Staff Federal Credit UnionOAS Staff Federal Credit UnionA5.0 ★Texas Ratio: 8.95% Reward Checking: Preferential Rate at 2.12% APY. Checking account rates as of July 6, 2026 according to verified data from MonitorBankRates.

Trends is a smaller community with no bank or credit union branches currently in our database. 27 institutions serving the District Of Columbia area are available to Trends residents, with checking rates as high as 5.50% APY from Commonwealth One Federal Credit Union. Rates are continually updated — we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in Trends, District Of Columbia. Checking Account Rates Last Updated and Verified: July 6, 2026

Compare Checking Account Rates Today in Trends, District Of Columbia & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
Kasasa CashChecking
5.50%
$0
Rate5.37%
Min Deposit$0
Min Balance
UpdatedJun 23, 2026
Details

No additional details provided.

Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 12.49%
Advantage Rewards Checking
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $25,000.00

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Checking
4.00%
$0
Rate3.94%
Min Deposit$0
Min Balance
UpdatedJul 6, 2026
Details

If checking and direct deposit requirements are met*

Dept of Labor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
REWARD CHECKING
2.90%
$0
Rate2.90%
Min Deposit$0
Min Balance
UpdatedJun 23, 2026
Details

No additional details provided.

OAS Staff Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.95%
Reward Checking: Preferential Rate
2.12%
$0
Rate2.10%
Min Deposit$0
Min Balance
UpdatedJul 6, 2026
Details

Applies only to the portion of the balance up to $6,000 when qualifications are met and the average daily balance is $6,000 or more. If you meet the qualification requirements but your average daily balance is less than $6,000 during the qualifying period, you will receive a refund of up to 1.5% on your Debit Card PIN-based and Signature-based purchases. This refund will apply to the first $600 of purchases, with a maximum refund of $9 per qualifying period. Rewards will be deposited into a non-dividend bearing account designated exclusively for this purpose, called the "Rewards Deposit Account."

NASA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
Elite Checking
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

No additional details provided.

InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
Ultimate Checking
1.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedJul 6, 2026
Details

Earn up to 1.00%*

InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
My Money+ Checking
1.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedJul 6, 2026
Details

Earn dividends for your checking while taking advantage of services you're probably already using!

State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Privilege Checking
0.80%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedJul 6, 2026
Details

No additional details provided.

State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Advantage Checking
0.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedJul 6, 2026
Details

No additional details provided.

EagleBank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
Eagle Premium Interest Checking
0.48%
$0
Rate0.47%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

Visit or Call

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Priority Checking
0.40%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

No additional details provided.

Amalgamated Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.08%
Interest Checking
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

No additional details provided.

EagleBank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
Eagle Relationship Interest Checking
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

Visit or Call

ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
Free Checking
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedJun 29, 2026
Details

No additional details provided.

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Flagship Checking
0.25%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

No additional details provided.

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
Kasasa Cash Checking
0.23%
$0
Rate0.35%
Min Deposit$0
Min Balance
UpdatedJun 23, 2026
Details

No additional details provided.

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
Kasasa CashChecking
0.23%
$0
Rate0.35%
Min Deposit$0
Min Balance
UpdatedJun 23, 2026
Details

No additional details provided.

Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
Loyalty Checking
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedJul 6, 2026
Details

No additional details provided.

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Business Checking
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
Kasasa CashChecking
5.50%
$0
Rate5.37%
Min Deposit$0
Min Balance
UpdatedJun 23, 2026
Details

No additional details provided.

Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 12.49%
Advantage Rewards Checking
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $25,000.00

Justice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.56%
Checking
4.00%
$0
Rate3.94%
Min Deposit$0
Min Balance
UpdatedJul 6, 2026
Details

If checking and direct deposit requirements are met*

Dept of Labor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
REWARD CHECKING
2.90%
$0
Rate2.90%
Min Deposit$0
Min Balance
UpdatedJun 23, 2026
Details

No additional details provided.

OAS Staff Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.95%
Reward Checking: Preferential Rate
2.12%
$0
Rate2.10%
Min Deposit$0
Min Balance
UpdatedJul 6, 2026
Details

Applies only to the portion of the balance up to $6,000 when qualifications are met and the average daily balance is $6,000 or more. If you meet the qualification requirements but your average daily balance is less than $6,000 during the qualifying period, you will receive a refund of up to 1.5% on your Debit Card PIN-based and Signature-based purchases. This refund will apply to the first $600 of purchases, with a maximum refund of $9 per qualifying period. Rewards will be deposited into a non-dividend bearing account designated exclusively for this purpose, called the "Rewards Deposit Account."

InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
My Money+ Checking
1.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedJul 6, 2026
Details

Earn dividends for your checking while taking advantage of services you're probably already using!

InFirst Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
Ultimate Checking
1.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedJul 6, 2026
Details

Earn up to 1.00%*

NASA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
Elite Checking
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

No additional details provided.

State Department Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
Advantage Checking
0.75%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedJul 6, 2026
Details

No additional details provided.

EagleBank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
Eagle Premium Interest Checking
0.48%
$0
Rate0.47%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

Visit or Call

Amalgamated Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.08%
Interest Checking
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

No additional details provided.

EagleBank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.93%
Eagle Relationship Interest Checking
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

Visit or Call

FedChoice Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.62%
Premium Checking
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedJul 6, 2026
Details

Dividends Compounded and Credited: Quarterly Balance Method: Average Daily Balance Limitations: Refer to Member Services Agreement.

Presidential Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.69%
Checking PLUS
0.12%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

$1,500 Minimum to Open Earn 0.12% APY* on Daily Balances up to $25,000 and 0.10% APY* on Higher Balances

Amalgamated Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.08%
Interest Checking
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

No additional details provided.

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
Premium Checking
0.08%
$0
Rate0.08%
Min Deposit$0
Min Balance
UpdatedJun 23, 2026
Details

No additional details provided.

U S POSTAL SERVICE
Institution Rating:
A+5.0 ★ Texas Ratio: 4.34%
Interest Checking
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedJun 29, 2026
Details

No additional details provided.

Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.40%
0.03%
$0
Rate0.03%
Min Deposit$0
Min Balance
UpdatedJun 23, 2026
Details

No additional details provided.

Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 12.49%
Advantage Cash Back Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

Members earn 5% cash back but no dividends

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
Kasasa CashChecking
5.50%
$0
Rate5.37%
Min Deposit$0
Min Balance
UpdatedJun 23, 2026
Details

No additional details provided.

Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 12.49%
Advantage Rewards Checking
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $25,000.00

Dept of Labor Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.67%
REWARD CHECKING
2.90%
$0
Rate2.90%
Min Deposit$0
Min Balance
UpdatedJun 23, 2026
Details

No additional details provided.

OAS Staff Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.95%
Reward Checking: Preferential Rate
2.12%
$0
Rate2.10%
Min Deposit$0
Min Balance
UpdatedJul 6, 2026
Details

Applies only to the portion of the balance up to $6,000 when qualifications are met and the average daily balance is $6,000 or more. If you meet the qualification requirements but your average daily balance is less than $6,000 during the qualifying period, you will receive a refund of up to 1.5% on your Debit Card PIN-based and Signature-based purchases. This refund will apply to the first $600 of purchases, with a maximum refund of $9 per qualifying period. Rewards will be deposited into a non-dividend bearing account designated exclusively for this purpose, called the "Rewards Deposit Account."

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
Kasasa Cash Checking
0.23%
$0
Rate0.35%
Min Deposit$0
Min Balance
UpdatedJun 23, 2026
Details

No additional details provided.

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
Kasasa CashChecking
0.23%
$0
Rate0.35%
Min Deposit$0
Min Balance
UpdatedJun 23, 2026
Details

No additional details provided.

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
Kasasa Cash Checking
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedJun 23, 2026
Details

No additional details provided.

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
Kasasa CashChecking
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedJun 23, 2026
Details

No additional details provided.

OAS Staff Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.95%
Reward Checking: Non-Preferential Rate
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedJul 6, 2026
Details

Applies to balances $0.01 and over when reward qualifications are not met. Or to the portion of the balance above $6,000 regardless of qualification status.

Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
Rewards Checking
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedJul 6, 2026
Details

No additional details provided.

Commonwealth One Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 12.83%
Kasasa CashChecking
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedJun 23, 2026
Details

Default Rate, all balances

Department of Commerce FCU
Institution Rating:
A+5.0 ★ Texas Ratio: 12.49%
Advantage Cash Back Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

Members earn 5% cash back but no dividends

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
Free Checking
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedJun 29, 2026
Details

No additional details provided.

ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
Free Checking
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedJun 29, 2026
Details

No additional details provided.

ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
Free Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedJun 29, 2026
Details

No additional details provided.

No Student accounts found at this time.
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Business Checking
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedJun 16, 2026
Details

No additional details provided.

Transit Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.11%
Elite Business Checking
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedJul 6, 2026
Details

No additional details provided.

SPECTRA
Institution Rating:
A+5.0 ★ Texas Ratio: 6.72%
Business Share Draft/Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedJun 29, 2026
Details

No additional details provided.

Trends, DC Checking Rate Trends

Compare local Trends, DC 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 District Of Columbia Checking Trends →
High-Yield Checking — DC Avg
2.070%
Unchanged vs 7 days ago

District Of Columbia high-yield checking rates currently average 2.070% APY.

Free Checking — DC Avg
0.618%
Unchanged vs 7 days ago

District Of Columbia free checking rates currently average 0.618% APY.

As of Jul 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 Trends, District Of Columbia 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 Trends, District Of Columbia. 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 DC.

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 Trends, District Of Columbia earn interest?

Most traditional local checking accounts in Trends, District Of Columbia 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 Trends, District Of Columbia FDIC insured?

Yes. Legitimate banks with branches in Trends, District Of Columbia 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 Trends, District Of Columbia

Based on our current data, some of the highest checking account APYs available to residents of Trends, District Of Columbia include:
  • Commonwealth One Federal Credit Union
    Kasasa CashChecking — 5.50% APY
  • Department of Commerce FCU
    Advantage Rewards Checking — 5.00% APY
  • Justice Federal Credit Union
    Checking — 4.00% APY
  • Dept of Labor Federal Credit Union
    REWARD CHECKING — 2.90% APY
  • OAS Staff Federal Credit Union
    Reward Checking: Preferential Rate — 2.12% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Trends, District Of Columbia. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: July 6, 2026