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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.
Checking Rate Trends

Atlanta, Georgia Best Checking Accounts & Rates October 2026

Atlanta, Georgia checking account rates range from 0.01% to 8.00% APY, verified by MonitorBankRates as of October 13, 2026. The best checking rates for Atlanta, Georgia include iThink Financial Credit UnioniThink Financial Credit Union3200 Windy Hill Rd SE, Atlanta, GA 30339 5640A+5.0 ★Texas Ratio: 5.06% myChoice Checking Account at 7.00% APY, Credit Union 1 Credit Union Rantoul, ILCredit Union 1 Credit Union Rantoul, IL478 Peachtree St NE Ste 101A, Atlanta, GA 30308 3106A5.0 ★Texas Ratio: 8.90% High Yield Checking at 4.75% APY, CDC Federal Credit UnionCDC Federal Credit Union2301 Parklake Dr NE, Atlanta, GA 30345 2912A+5.0 ★Texas Ratio: 2.99% Student Checking at 3.56% APY, Associated Credit UnionAssociated Credit UnionSam Nunn Atlanta Federal Center, Atlanta, GA 30303A+5.0 ★Texas Ratio: 1.61% PRO$PER Checking at 3.50% APY, and FirstBank (TN)FirstBank (TN)400 17th St Nw, Atlanta, GA 30363A5.0 ★Texas Ratio: 7.51% FirstRewards Checking at 1.51% APY. Checking account rates as of October 13, 2026 according to verified data from MonitorBankRates.

Atlanta has 24 local institutions in our database, with checking rates as high as 7.00% APY from iThink Financial Credit Union at 3200 Windy Hill Rd SE, Atlanta, GA, 30339 5640. Use the tabs below to compare all available checking account types. Rates are continually updated, so we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in Atlanta, Georgia. Checking Account Rates Last Updated and Verified: October 13, 2026

Compare Checking Account Rates Today in Atlanta, Georgia & the Surrounding Area

Institutions:

Atlanta Checking Account Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
iThink Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
3200 Windy Hill Rd SE
Atlanta, GA 30339 5640
myChoice Checking Account
7.00%
$25
▼
Rate6.82%
Min Deposit$25
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $0.00 - $3,000

Rate History
No change since Sep 14, 2026 · 7.00% APY · checked 6 times
6.50%7.00%7.50%Sep 14, 2026: 7.00% APYSep 14, 2026Oct 14, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
478 Peachtree St NE Ste 101A
Atlanta, GA 30308 3106
High Yield Checking
4.75%
$1,000
▼
Rate4.65%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 10, 2026
Details

Minimum: $1,000 Direct Deposit; Qualifications Required: Direct Deposit

Rate History
No change since Sep 14, 2026 · 4.75% APY · checked 6 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APYSep 14, 2026Oct 14, 2026
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
2301 Parklake Dr NE
Atlanta, GA 30345 2912
Student Checking
3.56%
$25
▼
Rate3.50%
Min Deposit$25
Min BalanceN/A
UpdatedOct 12, 2026
Details

Qualifying balance up to $1,000.00; Student Checking up to age 23

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 5 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 14, 2026
Associated Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Sam Nunn Atlanta Federal Center
Atlanta, GA 30303
PRO$PER Checking
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
UpdatedOct 9, 2026
Details

Balance: $0 - $24,999**

Rate History
No change since Sep 29, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 14, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
478 Peachtree St NE Ste 101A
Atlanta, GA 30308 3106
UIC Ignite Checking
2.55%
$0
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $0.01 and Net Direct Deposit; Minimum: $0 and Net Direct Deposit; Qualifications Required: Net Direct Deposit

Rate History
No change since Sep 14, 2026 · 2.55% APY · checked 6 times
2.05%2.55%3.05%Sep 14, 2026: 2.55% APYSep 14, 2026Oct 14, 2026
FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
400 17th St Nw
Atlanta, GA 30363
FirstRewards Checking
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
UpdatedOct 7, 2026
Details

Qualifications Required: Ten (10) debit card point of sale (POS) transactions post and settle per statement cycle (ATM transactions do not count towards the required 10); and One (1) monthly automated clearing house (ACH) debit or ACH credit.; Tier 1: Daily balance $0 to $25,000. Interest rate of 1.50% will be paid on the entire portion of your daily balance up to but not exceeding $25,000.00. A base rate of .01% is applied to all balances when qualifications are not met. Non-FirstBank ATM fees are refunded each cycle.

Rate History
No change since Sep 18, 2026 · 1.51% APY · checked 6 times
1.01%1.51%2.01%Sep 18, 2026: 1.51% APYSep 18, 2026Oct 14, 2026
Fitness Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.98%
400 Galleria Pkwy Se
Atlanta, GA 30339
Fitness Checking Account
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Qualifications Required: 7,500 - 9,999 avg daily steps; Avg Daily Steps: 7,500 - 9,999

Rate History
No change since Oct 6, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 6, 2026: 1.00% APYOct 6, 2026Oct 14, 2026
Fitness Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.98%
400 Galleria Pkwy Se
Atlanta, GA 30339
Open New Fitness Checking Account
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

AVG DAILYSTEPS: 7,500 - 9,999

Rate History
No change since Oct 6, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 6, 2026: 1.00% APYOct 6, 2026Oct 14, 2026
Affinity Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.98%
400 Galleria Pkwy Se
Atlanta, GA 30339
Fitness Checking Account
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 7, 2026
Details

Qualifications Required: 7,500 - 9,999 average daily steps; AVG DAILY STEPS: 7,500 - 9,999

Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 18, 2026: 1.00% APYSep 18, 2026Oct 14, 2026
Affinity Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.98%
400 Galleria Pkwy Se
Atlanta, GA 30339
Open New Fitness Checking Account
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 7, 2026
Details

AVG DAILY STEPS: 7,500 - 9,999

Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 7, 2026: 1.00% APYOct 7, 2026Oct 14, 2026
On the Grid Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
5901 Peachtree Dunwoody Rd Ste A275
Atlanta, GA 30328 7173
CU Power Checking
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 12, 2026
Details

Balance: $100-$1,499

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 14, 2026
On the Grid Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
5901 Peachtree Dunwoody Rd Ste A275
Atlanta, GA 30328 7173
Student Checking
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 12, 2026
Details

Balance: $100-$1,499

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 14, 2026
Fitness Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.98%
400 Galleria Pkwy Se
Atlanta, GA 30339
Fitness Checking Account
0.75%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Qualifications Required: 5,000 - 7,499 avg daily steps; Avg Daily Steps: 5,000 - 7,499

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% APYOct 6, 2026Oct 14, 2026
Fitness Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.98%
400 Galleria Pkwy Se
Atlanta, GA 30339
Open New Fitness Checking Account
0.75%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

AVG DAILYSTEPS: 5,000 - 7,499

Rate History
No change since Oct 6, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 6, 2026: 0.75% APYOct 6, 2026Oct 14, 2026
Affinity Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.98%
400 Galleria Pkwy Se
Atlanta, GA 30339
Fitness Checking Account
0.75%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 7, 2026
Details

Qualifications Required: 5,000 - 7,499 average daily steps; AVG DAILY STEPS: 5,000 - 7,499

Rate History
No change since Sep 18, 2026 · 0.75% APY · checked 3 times
0.25%0.75%1.25%Sep 18, 2026: 0.75% APYSep 18, 2026Oct 14, 2026
Affinity Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.98%
400 Galleria Pkwy Se
Atlanta, GA 30339
Open New Fitness Checking Account
0.75%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 7, 2026
Details

AVG DAILY STEPS: 5,000 - 7,499

Rate History
No change since Oct 7, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 7, 2026: 0.75% APYOct 7, 2026Oct 14, 2026
Bond Community Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.24%
433 Moreland Ave NE
Atlanta, GA 30307 1562
Share Draft / Checking - Dividends
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $50,000 Plus

Rate History
No change since Oct 13, 2026 · 0.75% APY
0.25%0.75%1.25%Oct 13, 2026: 0.75% APYOct 13, 2026Oct 14, 2026
Craft Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1575 Northside Dr Nw
Atlanta, GA 30318
Premium Checking
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: $25,000 - and above

Rate History
No change since Sep 11, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 11, 2026: 0.50% APYSep 11, 2026Oct 14, 2026
Fitness Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.98%
400 Galleria Pkwy Se
Atlanta, GA 30339
Fitness Checking Account
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Qualifications Required: 0 - 4,999 avg daily steps; Avg Daily Steps: 0 - 4,999

Rate History
No change since Oct 6, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 6, 2026: 0.50% APYOct 6, 2026Oct 14, 2026
Fitness Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.98%
400 Galleria Pkwy Se
Atlanta, GA 30339
Open New Fitness Checking Account
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

AVG DAILYSTEPS: 0 - 4,999

Rate History
No change since Oct 6, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 6, 2026: 0.50% APYOct 6, 2026Oct 14, 2026
FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
400 17th St Nw
Atlanta, GA 30363
Interest Checking
0.50%
$1,000
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 7, 2026
Details

Balance: $50,000.00 and above; To obtain the annual percentage yield disclosed you must maintain a minimum balance of $1,000.00 in the account each day.

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 14, 2026
Affinity Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.98%
400 Galleria Pkwy Se
Atlanta, GA 30339
Fitness Checking Account
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 7, 2026
Details

Qualifications Required: 0 - 4,999 average daily steps; AVG DAILY STEPS: 0 - 4,999

Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 3 times
0.00%0.50%1.00%Sep 18, 2026: 0.50% APYSep 18, 2026Oct 14, 2026
Affinity Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.98%
400 Galleria Pkwy Se
Atlanta, GA 30339
Open New Fitness Checking Account
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 7, 2026
Details

AVG DAILY STEPS: 0 - 4,999

Rate History
No change since Oct 7, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 7, 2026: 0.50% APYOct 7, 2026Oct 14, 2026
Bond Community Federal Credit Union
Institution Rating:
C+4.1 ★ Texas Ratio: 26.24%
433 Moreland Ave NE
Atlanta, GA 30307 1562
Share Draft / Checking - Dividends
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $25,000 - $49,999

Rate History
No change since Oct 13, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 13, 2026: 0.50% APYOct 13, 2026Oct 14, 2026
FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
400 17th St Nw
Atlanta, GA 30363
Interest Checking
0.45%
$1,000
▼
Rate0.45%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 7, 2026
Details

Balance: $25,000.00 to $49,999.99; To obtain the annual percentage yield disclosed you must maintain a minimum balance of $1,000.00 in the account each day.

Rate History
No change since Sep 14, 2026 · 0.45% APY · checked 7 times
0.00%0.48%0.95%Sep 14, 2026: 0.45% APYSep 14, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
2470 Briarcliff Rd NE
Atlanta, GA 30329
Flagship Checking
0.45%
$0
▼
Rate0.45%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $25,000+

Rate History
No change since Sep 30, 2026 · 0.45% APY · checked 4 times
0.00%0.48%0.95%Sep 30, 2026: 0.45% APYSep 30, 2026Oct 14, 2026
FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
400 17th St Nw
Atlanta, GA 30363
Interest Checking
0.41%
$1,000
▼
Rate0.41%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 7, 2026
Details

Balance: $1,000.00 to $9,999.99; To obtain the annual percentage yield disclosed you must maintain a minimum balance of $1,000.00 in the account each day.

Rate History
No change since Sep 14, 2026 · 0.41% APY · checked 7 times
0.00%0.45%0.91%Sep 14, 2026: 0.41% APYSep 14, 2026Oct 14, 2026
Hyperion Bank
Institution Rating:
A5.0 ★ Texas Ratio: 13.21%
3525 Piedmont Rd Ne
Atlanta, GA 30305
HyperInterest Checking
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min BalanceN/A
UpdatedOct 12, 2026
Details

Currently unavailable for new account openings; Balances up to $25,000

Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 6 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
2470 Briarcliff Rd NE
Atlanta, GA 30329
Flagship Checking
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $10,000 - $24,999

Rate History
No change since Sep 30, 2026 · 0.40% APY · checked 4 times
0.00%0.45%0.90%Sep 30, 2026: 0.40% APYSep 30, 2026Oct 14, 2026
Hyperion Bank
Institution Rating:
A5.0 ★ Texas Ratio: 13.21%
3525 Piedmont Rd Ne
Atlanta, GA 30305
Business Interest Checking Business
0.35%
$1,000
▼
Rate0.35%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 12, 2026
Details

Balance: $0.01

Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 6 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 14, 2026
Hyperion Bank
Institution Rating:
A5.0 ★ Texas Ratio: 13.21%
3525 Piedmont Rd Ne
Atlanta, GA 30305
HyperInterest Checking
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min BalanceN/A
UpdatedOct 12, 2026
Details

Currently unavailable for new account openings; Balances up to $25,000

Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 6 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 14, 2026
Georgia Banking Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
1776 Peachtree St Nw
Atlanta, GA 30309
Premier Checking
0.35%
$100
▼
Rate0.30%
Min Deposit$100
Min BalanceN/A
UpdatedOct 7, 2026
Details

Qualifications Required: 12 debit card purchases post and settle; enrolled in and agree to receive eStatements; 0.15% APY on daily balances below $25,000.00; Interest rate on the portion of the daily balance equal to or greater than $25,000.00; APYs accurate as of December 12, 2025.

Rate History
No change since Oct 7, 2026 · 0.35% APY · checked 2 times
0.00%0.43%0.85%Oct 7, 2026: 0.35% APYOct 7, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
2470 Briarcliff Rd NE
Atlanta, GA 30329
Flagship Checking
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $1,500 - $9,999

Rate History
No change since Sep 30, 2026 · 0.35% APY · checked 4 times
0.00%0.43%0.85%Sep 30, 2026: 0.35% APYSep 30, 2026Oct 14, 2026
Craft Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1575 Northside Dr Nw
Atlanta, GA 30318
Premium Checking
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: $10,000 - $24,999.99

Rate History
No change since Sep 11, 2026 · 0.30% APY · checked 7 times
0.00%0.40%0.80%Sep 11, 2026: 0.30% APYSep 11, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
3300 Cumberland Blvd Se
Atlanta, GA 30339
eChecking > 25,000
0.25%
$100
▼
Rate0.25%
Min Deposit$100
Min BalanceN/A
UpdatedOct 10, 2026
Details

No additional details provided.

Rate History
No change since Oct 6, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Oct 6, 2026: 0.25% APYOct 6, 2026Oct 14, 2026
CIT Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.72%
3300 Cumberland Blvd Se
Atlanta, GA 30339
eChecking Account
0.25%
$100
▼
Rate0.25%
Min Deposit$100
Min BalanceN/A
UpdatedOct 10, 2026
Details

No additional details provided.

Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 3 times
0.00%0.38%0.75%Sep 24, 2026: 0.25% APYSep 24, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★ Texas Ratio: 14.96%
2427 Gresham Rd Se
Atlanta, GA 30316
Business Plus Checking Business
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 7, 2026
Details

Transaction Limits: Unlimited

Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 14, 2026
Affinity Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.98%
400 Galleria Pkwy Se
Atlanta, GA 30339
Elite Checking
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 7, 2026
Details

Balance: $25,000.01 +

Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 3 times
0.00%0.38%0.75%Sep 24, 2026: 0.25% APYSep 24, 2026Oct 14, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
1025 Virginia Ave
Atlanta, GA 30354 1319
Business Checking Business
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $100,000.00 - and up

Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 14, 2026
Southern Energy Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.41%
30 Ivan Allen Jr Blvd NW
Atlanta, GA 30308
Checking Account
0.25%
$25
▼
Rate0.00%
Min Deposit$25
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $2,000 and over; Rate effective 10/1/26; Rates may change every month

Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 14, 2026

Atlanta High Yield Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
iThink Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
3200 Windy Hill Rd SE
Atlanta, GA 30339 5640
myChoice Checking Account
7.00%
$25
▼
Rate6.82%
Min Deposit$25
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $0.00 - $3,000

Rate History
No change since Sep 14, 2026 · 7.00% APY · checked 6 times
6.50%7.00%7.50%Sep 14, 2026: 7.00% APYSep 14, 2026Oct 14, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
478 Peachtree St NE Ste 101A
Atlanta, GA 30308 3106
High Yield Checking
4.75%
$1,000
▼
Rate4.65%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 10, 2026
Details

Minimum: $1,000 Direct Deposit; Qualifications Required: Direct Deposit

Rate History
No change since Sep 14, 2026 · 4.75% APY · checked 6 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APYSep 14, 2026Oct 14, 2026
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
2301 Parklake Dr NE
Atlanta, GA 30345 2912
Student Checking
3.56%
$25
▼
Rate3.50%
Min Deposit$25
Min BalanceN/A
UpdatedOct 12, 2026
Details

Qualifying balance up to $1,000.00; Student Checking up to age 23

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 5 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 14, 2026
Associated Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Sam Nunn Atlanta Federal Center
Atlanta, GA 30303
PRO$PER Checking
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
UpdatedOct 9, 2026
Details

Balance: $0 - $24,999**

Rate History
No change since Sep 29, 2026 · 3.50% APY · checked 4 times
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 14, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
478 Peachtree St NE Ste 101A
Atlanta, GA 30308 3106
UIC Ignite Checking
2.55%
$0
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $0.01 and Net Direct Deposit; Minimum: $0 and Net Direct Deposit; Qualifications Required: Net Direct Deposit

Rate History
No change since Sep 14, 2026 · 2.55% APY · checked 6 times
2.05%2.55%3.05%Sep 14, 2026: 2.55% APYSep 14, 2026Oct 14, 2026
FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
400 17th St Nw
Atlanta, GA 30363
FirstRewards Checking
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
UpdatedOct 7, 2026
Details

Qualifications Required: Ten (10) debit card point of sale (POS) transactions post and settle per statement cycle (ATM transactions do not count towards the required 10); and One (1) monthly automated clearing house (ACH) debit or ACH credit.; Tier 1: Daily balance $0 to $25,000. Interest rate of 1.50% will be paid on the entire portion of your daily balance up to but not exceeding $25,000.00. A base rate of .01% is applied to all balances when qualifications are not met. Non-FirstBank ATM fees are refunded each cycle.

Rate History
No change since Sep 18, 2026 · 1.51% APY · checked 6 times
1.01%1.51%2.01%Sep 18, 2026: 1.51% APYSep 18, 2026Oct 14, 2026
Fitness Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.98%
400 Galleria Pkwy Se
Atlanta, GA 30339
Fitness Checking Account
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Qualifications Required: 7,500 - 9,999 avg daily steps; Avg Daily Steps: 7,500 - 9,999

Rate History
No change since Oct 6, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 6, 2026: 1.00% APYOct 6, 2026Oct 14, 2026
Fitness Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.98%
400 Galleria Pkwy Se
Atlanta, GA 30339
Open New Fitness Checking Account
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

AVG DAILYSTEPS: 7,500 - 9,999

Rate History
No change since Oct 6, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 6, 2026: 1.00% APYOct 6, 2026Oct 14, 2026
Affinity Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.98%
400 Galleria Pkwy Se
Atlanta, GA 30339
Fitness Checking Account
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 7, 2026
Details

Qualifications Required: 7,500 - 9,999 average daily steps; AVG DAILY STEPS: 7,500 - 9,999

Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Sep 18, 2026: 1.00% APYSep 18, 2026Oct 14, 2026
Affinity Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.98%
400 Galleria Pkwy Se
Atlanta, GA 30339
Open New Fitness Checking Account
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 7, 2026
Details

AVG DAILY STEPS: 7,500 - 9,999

Rate History
No change since Oct 7, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 7, 2026: 1.00% APYOct 7, 2026Oct 14, 2026
On the Grid Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
5901 Peachtree Dunwoody Rd Ste A275
Atlanta, GA 30328 7173
CU Power Checking
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 12, 2026
Details

Balance: $100-$1,499

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 14, 2026
On the Grid Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
5901 Peachtree Dunwoody Rd Ste A275
Atlanta, GA 30328 7173
Student Checking
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 12, 2026
Details

Balance: $100-$1,499

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 14, 2026
Craft Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1575 Northside Dr Nw
Atlanta, GA 30318
Premium Checking
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: $25,000 - and above

Rate History
No change since Sep 11, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 11, 2026: 0.50% APYSep 11, 2026Oct 14, 2026
FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
400 17th St Nw
Atlanta, GA 30363
Interest Checking
0.50%
$1,000
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 7, 2026
Details

Balance: $50,000.00 and above; To obtain the annual percentage yield disclosed you must maintain a minimum balance of $1,000.00 in the account each day.

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 14, 2026
FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
400 17th St Nw
Atlanta, GA 30363
Interest Checking
0.45%
$1,000
▼
Rate0.45%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 7, 2026
Details

Balance: $25,000.00 to $49,999.99; To obtain the annual percentage yield disclosed you must maintain a minimum balance of $1,000.00 in the account each day.

Rate History
No change since Sep 14, 2026 · 0.45% APY · checked 7 times
0.00%0.48%0.95%Sep 14, 2026: 0.45% APYSep 14, 2026Oct 14, 2026
FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
400 17th St Nw
Atlanta, GA 30363
Interest Checking
0.41%
$1,000
▼
Rate0.41%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 7, 2026
Details

Balance: $1,000.00 to $9,999.99; To obtain the annual percentage yield disclosed you must maintain a minimum balance of $1,000.00 in the account each day.

Rate History
No change since Sep 14, 2026 · 0.41% APY · checked 7 times
0.00%0.45%0.91%Sep 14, 2026: 0.41% APYSep 14, 2026Oct 14, 2026
Hyperion Bank
Institution Rating:
A5.0 ★ Texas Ratio: 13.21%
3525 Piedmont Rd Ne
Atlanta, GA 30305
HyperInterest Checking
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min BalanceN/A
UpdatedOct 12, 2026
Details

Currently unavailable for new account openings; Balances up to $25,000

Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 6 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Oct 14, 2026
Hyperion Bank
Institution Rating:
A5.0 ★ Texas Ratio: 13.21%
3525 Piedmont Rd Ne
Atlanta, GA 30305
HyperInterest Checking
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min BalanceN/A
UpdatedOct 12, 2026
Details

Currently unavailable for new account openings; Balances up to $25,000

Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 6 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 14, 2026
Craft Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1575 Northside Dr Nw
Atlanta, GA 30318
Premium Checking
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: $10,000 - $24,999.99

Rate History
No change since Sep 11, 2026 · 0.30% APY · checked 7 times
0.00%0.40%0.80%Sep 11, 2026: 0.30% APYSep 11, 2026Oct 14, 2026
Hyperion Bank
Institution Rating:
A5.0 ★ Texas Ratio: 13.21%
3525 Piedmont Rd Ne
Atlanta, GA 30305
HyperInterest Checking (non-qualify)
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
UpdatedOct 12, 2026
Details

Balance: $0.01

Rate History
No change since Oct 8, 2026 · 0.20% APY · checked 2 times
0.00%0.35%0.70%Oct 8, 2026: 0.20% APYOct 8, 2026Oct 14, 2026
Craft Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1575 Northside Dr Nw
Atlanta, GA 30318
Premium Checking
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: $2,500 - $9,999.99

Rate History
No change since Sep 11, 2026 · 0.20% APY · checked 7 times
0.00%0.35%0.70%Sep 11, 2026: 0.20% APYSep 11, 2026Oct 14, 2026
Peach State Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.27%
2357 Benjamin E Mays Dr SW
Atlanta, GA 30311
Premium Checking Account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $0.00 - $5,000.00; Dividends paid monthly; Effective September 28, 2026

Rate History
No change since Sep 29, 2026 · 0.15% APY · checked 4 times
0.00%0.33%0.65%Sep 29, 2026: 0.15% APYSep 29, 2026Oct 14, 2026
Craft Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
1575 Northside Dr Nw
Atlanta, GA 30318
Premium Checking
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: $0.01 - $2,499.99

Rate History
No change since Sep 11, 2026 · 0.10% APY · checked 7 times
0.00%0.30%0.60%Sep 11, 2026: 0.10% APYSep 11, 2026Oct 14, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
1025 Virginia Ave
Atlanta, GA 30354 1319
Interest Checking Accounts
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $0 >

Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 14, 2026
Excel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
61 Forsyth St SW Ste 8B 70
Atlanta, GA 30303 8931
PlatinumChecking Accounts
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
UpdatedOct 12, 2026
Details

Balance: $2,500 and above; $2,500 daily minimum balance required to earn APY

Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 20, 2026: 0.10% APYSep 20, 2026Oct 14, 2026
Citizens Trust Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.00%
965 Martin Luther King Jr Dr Nw
Atlanta, GA 30314
PERSONAL INTEREST CHECKING
0.03%
$1,000
▼
Rate0.03%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 12, 2026
Details

No additional details provided.

Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 7 times
0.00%0.27%0.53%Sep 14, 2026: 0.03% APYSep 14, 2026Oct 14, 2026
RBC Bank, (Georgia)
Institution Rating:
A+5.0 ★ Texas Ratio: 1.90%
3550 Lenox Rd Ne
Atlanta, GA 30326
Premium Interest Checking Account
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
UpdatedOct 12, 2026
Details

Balance: Less than $10,000.00

Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 7 times
0.00%0.27%0.53%Sep 14, 2026: 0.03% APYSep 14, 2026Oct 14, 2026
MembersFirst Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
1968 Peachtree Rd NW Bldg 6
Atlanta, GA 30309 1281
Interest Checking
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

No additional details provided.

Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 6 times
0.00%0.27%0.53%Sep 14, 2026: 0.03% APYSep 14, 2026Oct 14, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
PowerPlusTM Checking - Level 2
8.00%
$0
▼
Rate7.72%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

balances up to $15,000; Qualifications Required: Qualifications Required; Level 2 on balances up to $15,000; Balance: $0.01 - $15,000.00; Introductory APY; Introductory Dividend Rate

Rate History
1 change since Sep 27, 2026 · 1.00% → 8.00% ▲ 7.00 pts · high 8.00% / low 1.00%
0.00%7.50%15.00%Sep 27, 2026: 1.00% APYOct 10, 2026: 8.00% APYSep 27, 2026Oct 14, 2026
  • Oct 10, 20268.00%▲ from 1.00%
  • Sep 27, 20261.00%first recorded
Midsouth Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
iChecking Account
5.01%
$0
▼
Rate5.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 12, 2026
Details

Qualifications Required: 50+ transactions; Number of Transactions: 50+

Rate History
No change since Sep 25, 2026 · 5.01% APY · checked 4 times
4.51%5.01%5.51%Sep 25, 2026: 5.01% APYSep 25, 2026Oct 14, 2026
Altamaha Bank & Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
Rewards Interest Checking
5.00%
$100
▼
Rate4.88%
Min Deposit$100
Min BalanceN/A
UpdatedOct 11, 2026
Details

Qualifications Required: 4.88% Interest Rate; 5.00% APY; Balance: 0 - $10,000

Rate History
No change since Sep 24, 2026 · 5.00% APY · checked 5 times
4.50%5.00%5.50%Sep 24, 2026: 5.00% APYSep 24, 2026Oct 14, 2026
Midsouth Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
iChecking Account
4.01%
$0
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 12, 2026
Details

Qualifications Required: 40-49 transactions; Number of Transactions: 40-49

Rate History
No change since Sep 25, 2026 · 4.01% APY · checked 4 times
3.51%4.01%4.51%Sep 25, 2026: 4.01% APYSep 25, 2026Oct 14, 2026
First Port City Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
Port City Rewards Interest Checking
4.00%
$100
▼
Rate3.93%
Min Deposit$100
Min BalanceN/A
UpdatedOct 11, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: 0 - $25,000

Rate History
No change since Sep 19, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 19, 2026: 4.00% APYSep 19, 2026Oct 14, 2026
Security Federal Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
High Yield Checking
4.00%
$1,000
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 7, 2026
Details

Qualifications Required: eStatements enrollment; 12 or more debit card purchases in the preceding month; at least one monthly ACH debit or credit; Qualify to earn 4.00% APY on the portion of the daily balance under $10,000.; Annual Percentage Yield (APY) accurate as of 10/01/2026. If qualifications are met during the Statement Cycle, you will receive reimbursements (max. $25.00 per cycle) for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Statement Cycle in which you qualified. These reimbursements will be treated as interest for IRS (Form 1099-INT) reporting purposes. If qualifications are not met during the Statement Cycle, nationwide ATM fees are not reimbursed.; Blended APY on the entire balance would vary from 4.00% to 0.59%, depending on the daily balance.

Rate History
No change since Sep 8, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 8, 2026: 4.00% APYSep 8, 2026Oct 14, 2026
Security Federal Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
Premium Checking
4.00%
$2,500
▼
Rate3.93%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 7, 2026
Details

Qualifications Required: eStatements enrollment; 12 or more debit card purchases in the preceding month; at least one monthly ACH debit or credit; Qualify to earn 4.00% APY on the portion of the daily balance under $10,000. SFB Perks Cell Phone Protection; Roadside Assistance; ID Theft Aid; Buyer's Protection and Extended Warranty; Health Savings Card; Shop Local, Save Local with SFB Perks; Billshark; $10,000 Travel Accidental Death Coverage; BaZing Fuel; Pet Care Services; Qualify for ATM Fee Refunds; Only one account of this type may be opened per social security number.; Annual Percentage Yield (APY) accurate as of 10/01/2026. If qualifications are met during the Statement Cycle, you will receive reimbursements (max. $25.00 per cycle) for nationwide ATM withdrawal fees imposed by other financial institutions and incurred during the Statement Cycle in which you qualified. These reimbursements will be treated as interest for IRS (Form 1099-INT) reporting purposes. If qualifications are not met during the Statement Cycle, nationwide ATM fees are not reimbursed.; Blended APY on the entire balance would vary from 4.00% to 0.59%, depending on the daily balance.

Rate History
No change since Sep 8, 2026 · 4.00% APY · checked 7 times
3.50%4.00%4.50%Sep 8, 2026: 4.00% APYSep 8, 2026Oct 14, 2026
Southeastern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
Cash Checking
4.00%
$100
▼
Rate3.94%
Min Deposit$100
Min BalanceN/A
UpdatedOct 10, 2026
Details

Qualifications Required: At least 15 debit card purchases; Be enrolled in and agree to receive e-Statements; Be enrolled in and log into online banking; 4.00% APY** on balances up to $20,000; Balance: $0.01 - $20,000.00

Rate History
No change since Oct 10, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 10, 2026: 4.00% APYOct 10, 2026Oct 14, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
PowerPlusTM Checking Level 1
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Introductory APY; Introductory Dividend Rate

Rate History
1 change since Sep 18, 2026 · 1.00% → 4.00% ▲ 3.00 pts · high 4.00% / low 1.00%
0.00%3.50%7.00%Sep 18, 2026: 1.00% APYOct 10, 2026: 4.00% APYSep 18, 2026Oct 14, 2026
  • Oct 10, 20264.00%▲ from 1.00%
  • Sep 18, 20261.00%first recorded
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
PowerPlusTM Checking - Level 1
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

balances up to $15,000; Qualifications Required: Qualifications Required; Level 1 on balances up to $15,000; Balance: $0.01 - $15,000.00; Introductory APY; Introductory Dividend Rate

Rate History
1 change since Sep 22, 2026 · 1.00% → 4.00% ▲ 3.00 pts · high 4.00% / low 1.00%
0.00%3.50%7.00%Sep 22, 2026: 1.00% APYOct 10, 2026: 4.00% APYSep 22, 2026Oct 14, 2026
  • Oct 10, 20264.00%▲ from 1.00%
  • Sep 22, 20261.00%first recorded
Midsouth Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
iChecking Account
3.00%
$0
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 12, 2026
Details

Qualifications Required: 30-39 transactions; Number of Transactions: 30-39

Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 4 times
2.50%3.00%3.50%Sep 25, 2026: 3.00% APYSep 25, 2026Oct 14, 2026
Loyal Trust Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.99%
Platinum Checking
2.00%
$100
▼
Rate1.98%
Min Deposit$100
Min BalanceN/A
UpdatedOct 11, 2026
Details

Must maintain $5,000 average monthly balance to avoid monthly service charge of $20.

Rate History
No change since Oct 7, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 7, 2026: 2.00% APYOct 7, 2026Oct 14, 2026

Atlanta Rewards Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
400 17th St Nw
Atlanta, GA 30363
FirstRewards Checking
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
UpdatedOct 7, 2026
Details

Qualifications Required: Ten (10) debit card point of sale (POS) transactions post and settle per statement cycle (ATM transactions do not count towards the required 10); and One (1) monthly automated clearing house (ACH) debit or ACH credit.; Tier 1: Daily balance $0 to $25,000. Interest rate of 1.50% will be paid on the entire portion of your daily balance up to but not exceeding $25,000.00. A base rate of .01% is applied to all balances when qualifications are not met. Non-FirstBank ATM fees are refunded each cycle.

Rate History
No change since Sep 18, 2026 · 1.51% APY · checked 6 times
1.01%1.51%2.01%Sep 18, 2026: 1.51% APYSep 18, 2026Oct 14, 2026
Altamaha Bank & Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
Rewards Interest Checking
5.00%
$100
▼
Rate4.88%
Min Deposit$100
Min BalanceN/A
UpdatedOct 11, 2026
Details

Qualifications Required: 4.88% Interest Rate; 5.00% APY; Balance: 0 - $10,000

Rate History
No change since Sep 24, 2026 · 5.00% APY · checked 5 times
4.50%5.00%5.50%Sep 24, 2026: 5.00% APYSep 24, 2026Oct 14, 2026
First Port City Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
Port City Rewards Interest Checking
4.00%
$100
▼
Rate3.93%
Min Deposit$100
Min BalanceN/A
UpdatedOct 11, 2026
Details

Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: 0 - $25,000

Rate History
No change since Sep 19, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 19, 2026: 4.00% APYSep 19, 2026Oct 14, 2026
First Port City Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
Port City Rewards Interest Checking
1.60%
$100
▼
Rate1.00%
Min Deposit$100
Min BalanceN/A
UpdatedOct 11, 2026
Details

Qualifications Required: 10 PIN-Based or Signature-Based Debit Card Purchases Per Month; Enrolled in and Agree to Receive E-Statements; Daily balances up to and including $25,000.00 earn an interest rate of 3.93% resulting in an APY of 4.00%; and daily balances over $25,000 earn an interest rate of 1.00% on the portion of the daily balance over $25,000.00, resulting in a range from 4.00% to 1.60% APY depending on the account's daily balance. Reimbursements up to an aggregate total of $25.00 for ATM withdrawal fees incurred within your account during that Monthly Qualification Cycle. Rates may change at any time, at our discretion.

Rate History
No change since Sep 19, 2026 · 1.60% APY · checked 7 times
1.10%1.60%2.10%Sep 19, 2026: 1.60% APYSep 19, 2026Oct 14, 2026
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Perks Platinum Checking
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 12, 2026
Details

As Low As; Earn up to 0.50% APY; no requirements to earn the rate; $10 monthly fee; no minimum to open

Rate History
No change since Sep 25, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 25, 2026: 0.50% APYSep 25, 2026Oct 14, 2026
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
TVFCU Perks Platinum Checking
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
UpdatedOct 12, 2026
Details

No additional details provided.

Rate History
No change since Sep 25, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Sep 25, 2026: 0.50% APYSep 25, 2026Oct 14, 2026
WB&T Waycross B&T
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
Platinum Rewards Checking
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: More than $250,000

Rate History
No change since Oct 7, 2026 · 0.40% APY · checked 2 times
0.00%0.45%0.90%Oct 7, 2026: 0.40% APYOct 7, 2026Oct 14, 2026
WB&T Waycross B&T
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
Platinum Rewards Checking
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: $100,000 to $249,999

Rate History
No change since Oct 7, 2026 · 0.30% APY · checked 2 times
0.00%0.40%0.80%Oct 7, 2026: 0.30% APYOct 7, 2026Oct 14, 2026
WB&T Waycross B&T
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
Platinum Rewards Checking
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: $25,000 to $99,999

Rate History
No change since Oct 7, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Oct 7, 2026: 0.25% APYOct 7, 2026Oct 14, 2026
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Perks Plus Checking
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 12, 2026
Details

As Low As; Up to 0.25% APY; $8 monthly fee waived when you maintain $1,500 or more; no minimum to open; no requirements to earn the rate

Rate History
No change since Oct 4, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Oct 4, 2026: 0.25% APYOct 4, 2026Oct 14, 2026
Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.78%
Flexible Reward Checking
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 12, 2026
Details

Balance: $10,000.01 and up

Rate History
No change since Oct 4, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Oct 4, 2026: 0.25% APYOct 4, 2026Oct 14, 2026
WB&T Waycross B&T
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
Platinum Rewards Checking
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: $1,000 to $24,999

Rate History
No change since Oct 7, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 7, 2026: 0.15% APYOct 7, 2026Oct 14, 2026
WB&T Waycross B&T
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
Platinum Rewards Checking
0.11%
$0
▼
Rate0.11%
Min Deposit$0
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: More than $250,000

Rate History
No change since Oct 7, 2026 · 0.11% APY · checked 2 times
0.00%0.31%0.61%Oct 7, 2026: 0.11% APYOct 7, 2026Oct 14, 2026
WB&T Waycross B&T
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
Premium Rewards Checking
0.11%
$0
▼
Rate0.11%
Min Deposit$0
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: More than $250,000

Rate History
No change since Oct 7, 2026 · 0.11% APY · checked 2 times
0.00%0.31%0.61%Oct 7, 2026: 0.11% APYOct 7, 2026Oct 14, 2026
WB&T Waycross B&T
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
Platinum Rewards Checking
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: Under $1,000

Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 7, 2026: 0.10% APYOct 7, 2026Oct 14, 2026
WB&T Waycross B&T
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
Platinum Rewards Checking
0.08%
$0
▼
Rate0.08%
Min Deposit$0
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: $100,000 to $249,999

Rate History
No change since Oct 7, 2026 · 0.08% APY · checked 2 times
0.00%0.29%0.58%Oct 7, 2026: 0.08% APYOct 7, 2026Oct 14, 2026
WB&T Waycross B&T
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
Premium Rewards Checking
0.08%
$0
▼
Rate0.08%
Min Deposit$0
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: $100,000 to $249,999

Rate History
No change since Oct 7, 2026 · 0.08% APY · checked 2 times
0.00%0.29%0.58%Oct 7, 2026: 0.08% APYOct 7, 2026Oct 14, 2026
Altamaha Bank & Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
Rewards Interest Checking
0.05%
$100
▼
Rate0.05%
Min Deposit$100
Min BalanceN/A
UpdatedOct 11, 2026
Details

All balances if qualifications not met

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 14, 2026
First Port City Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
Port City Rewards Interest Checking
0.05%
$100
▼
Rate0.05%
Min Deposit$100
Min BalanceN/A
UpdatedOct 11, 2026
Details

All balances if qualifications not met

Rate History
1 change since Sep 19, 2026 · 4.00% → 0.05% ▼ 3.95 pts · high 4.00% / low 0.05%
0.00%3.98%7.95%Sep 19, 2026: 4.00% APYOct 7, 2026: 0.05% APYSep 19, 2026Oct 14, 2026
  • Oct 7, 20260.05%▼ from 4.00%
  • Sep 19, 20264.00%first recorded
WB&T Waycross B&T
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
Platinum Rewards Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: $25,000 to $99,999

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 14, 2026
WB&T Waycross B&T
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
Premium Rewards Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: $25,000 to $99,999

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 14, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Platinum Rewards Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $500 - $999.99

Rate History
No change since Sep 17, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 17, 2026: 0.05% APYSep 17, 2026Oct 14, 2026
WB&T Waycross B&T
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
Platinum Rewards Checking
0.04%
$0
▼
Rate0.04%
Min Deposit$0
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: $1,000 to $24,999

Rate History
No change since Oct 7, 2026 · 0.04% APY · checked 2 times
0.00%0.27%0.54%Oct 7, 2026: 0.04% APYOct 7, 2026Oct 14, 2026
WB&T Waycross B&T
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
Premium Rewards Checking
0.04%
$0
▼
Rate0.04%
Min Deposit$0
Min BalanceN/A
UpdatedOct 11, 2026
Details

Balance: $1,000 to $24,999

Rate History
No change since Oct 7, 2026 · 0.04% APY · checked 2 times
0.00%0.27%0.54%Oct 7, 2026: 0.04% APYOct 7, 2026Oct 14, 2026

Atlanta Free Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Hyperion Bank
Institution Rating:
A5.0 ★ Texas Ratio: 13.21%
3525 Piedmont Rd Ne
Atlanta, GA 30305
HyperFree Checking
0.20%
$50
▼
Rate0.20%
Min Deposit$50
Min BalanceN/A
UpdatedOct 12, 2026
Details

Balance: Over $10,000

Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 6 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
2470 Briarcliff Rd NE
Atlanta, GA 30329
Free Active Duty Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

No additional details provided.

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
2470 Briarcliff Rd NE
Atlanta, GA 30329
Free Campus Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

No additional details provided.

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
2470 Briarcliff Rd NE
Atlanta, GA 30329
Free Easy Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

No additional details provided.

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 14, 2026
Associated Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Sam Nunn Atlanta Federal Center
Atlanta, GA 30303
Simple Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 9, 2026
Details

Balance: $2,500+

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
2470 Briarcliff Rd NE
Atlanta, GA 30329
Free Everyday Checking
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

No additional details provided.

Rate History
No change since Sep 30, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Sep 30, 2026: 0.01% APYSep 30, 2026Oct 14, 2026
Vidalia Federal Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.08%
Freedom Plus Checking
0.25%
$50
▼
Rate0.25%
Min Deposit$50
Min BalanceN/A
UpdatedOct 12, 2026
Details

No additional details provided.

Rate History
No change since Sep 20, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 20, 2026: 0.25% APYSep 20, 2026Oct 14, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.53%
Access America Checking Account
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 7, 2026
Details

Balance: $25 minimum balance to open. Earn dividends with recurring direct deposits of $500 or more and a daily balance up to $50,000 per statement cycle.; Balance less than $20,000

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 14, 2026

Atlanta Student Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
2301 Parklake Dr NE
Atlanta, GA 30345 2912
Student Checking
3.56%
$25
▼
Rate3.50%
Min Deposit$25
Min BalanceN/A
UpdatedOct 12, 2026
Details

Qualifying balance up to $1,000.00; Student Checking up to age 23

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 5 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 14, 2026
On the Grid Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
5901 Peachtree Dunwoody Rd Ste A275
Atlanta, GA 30328 7173
Student Checking
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 12, 2026
Details

Balance: $100-$1,499

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 14, 2026
On the Grid Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
5901 Peachtree Dunwoody Rd Ste A275
Atlanta, GA 30328 7173
Student Checking
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
UpdatedOct 12, 2026
Details

Balance: $1,500-$24,999

Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 5 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 14, 2026
On the Grid Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
5901 Peachtree Dunwoody Rd Ste A275
Atlanta, GA 30328 7173
Student Checking
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
UpdatedOct 12, 2026
Details

Balance: $25,000-$99,999

Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 14, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
2470 Briarcliff Rd NE
Atlanta, GA 30329
Free Campus Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

No additional details provided.

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 14, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Youth Checking
2.00%
$0
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: Up to $1,000

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 14, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Student Interest Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $500 - $999.99

Rate History
No change since Sep 17, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 17, 2026: 0.05% APYSep 17, 2026Oct 14, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Youth Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: Above $1,000

Rate History
No change since Oct 9, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 9, 2026: 0.05% APYOct 9, 2026Oct 14, 2026

Atlanta Business Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Hyperion Bank
Institution Rating:
A5.0 ★ Texas Ratio: 13.21%
3525 Piedmont Rd Ne
Atlanta, GA 30305
Business Interest Checking Business
0.35%
$1,000
▼
Rate0.35%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 12, 2026
Details

Balance: $0.01

Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 6 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 14, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★ Texas Ratio: 14.96%
2427 Gresham Rd Se
Atlanta, GA 30316
Business Plus Checking Business
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 7, 2026
Details

Transaction Limits: Unlimited

Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 14, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
1025 Virginia Ave
Atlanta, GA 30354 1319
Business Checking Business
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $100,000.00 - and up

Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 14, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
1025 Virginia Ave
Atlanta, GA 30354 1319
Business Checking Business
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $0.01 - $999.99

Rate History
No change since Sep 18, 2026 · 0.20% APY · checked 5 times
0.00%0.35%0.70%Sep 18, 2026: 0.20% APYSep 18, 2026Oct 14, 2026
Excel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
61 Forsyth St SW Ste 8B 70
Atlanta, GA 30303 8931
Business Checking Business
0.15%
$100
▼
Rate0.15%
Min Deposit$100
Min BalanceN/A
UpdatedOct 12, 2026
Details

Balance: $5,000 and above; average daily balance of $5,000 required to earn monthly dividends

Rate History
No change since Sep 20, 2026 · 0.15% APY · checked 5 times
0.00%0.33%0.65%Sep 20, 2026: 0.15% APYSep 20, 2026Oct 14, 2026
MembersFirst Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
1968 Peachtree Rd NW Bldg 6
Atlanta, GA 30309 1281
Personal Business Checking Business
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

No additional details provided.

Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 6 times
0.00%0.27%0.53%Sep 14, 2026: 0.03% APYSep 14, 2026Oct 14, 2026
Loyal Trust Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.99%
Business Premier Interest (Checking) Business
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
UpdatedOct 11, 2026
Details

Business account

Rate History
No change since Oct 11, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 11, 2026: 2.00% APYOct 11, 2026Oct 14, 2026
Southeastern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
Business Checking Business
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

No additional details provided.

Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 6 times
0.76%1.26%1.76%Sep 14, 2026: 1.26% APYSep 14, 2026Oct 14, 2026
Century Bank and Trust GA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Business NOW Checking Business
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
UpdatedOct 12, 2026
Details

Balance: $500,000 - $999,999.99

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 6 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 14, 2026
Century Bank and Trust GA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Business NOW Checking Business
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min BalanceN/A
UpdatedOct 12, 2026
Details

Balance: $100,000 - $249,999.99

Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 6 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Oct 14, 2026
Century Bank and Trust GA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Business NOW Checking Business
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min BalanceN/A
UpdatedOct 12, 2026
Details

Balance: $50,000 - $99,999.99

Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 6 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 14, 2026
Century Bank and Trust GA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Business NOW Checking Business
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
UpdatedOct 12, 2026
Details

Balance: $25,000 - $49,999.99

Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 6 times
0.00%0.40%0.80%Sep 14, 2026: 0.30% APYSep 14, 2026Oct 14, 2026
Century Bank and Trust GA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Business NOW Checking Business
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
UpdatedOct 12, 2026
Details

Balance: $2,500 - $24,999.99

Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 14, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Premier Business Checking Business
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

No additional details provided.

Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 7 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 14, 2026
New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.44%
Business Interest Checking Business
0.15%
$500
▼
Rate0.15%
Min Deposit$500
Min BalanceN/A
UpdatedOct 12, 2026
Details

For Sole Proprietorship and Not-For-Profit accounts only; $500.00 Minimum to open and earn APY disclosed If daily balance falls below $5,000 at any time during the statement cycle a 20.00 minimum balance fee will apply.

Rate History
No change since Sep 20, 2026 · 0.15% APY · checked 5 times
0.00%0.33%0.65%Sep 20, 2026: 0.15% APYSep 20, 2026Oct 14, 2026
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Business Community Interest Checking Business
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $15,000 - $24,999.99

Rate History
No change since Oct 1, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 1, 2026: 0.15% APYOct 1, 2026Oct 14, 2026
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Business Community Interest Checking Business
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $5,000 - $14,999.99

Rate History
No change since Oct 1, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 1, 2026: 0.10% APYOct 1, 2026Oct 14, 2026
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Business Community Interest Checking Business
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 10, 2026
Details

Balance: $2,500 - $4,999.99

Rate History
No change since Oct 1, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 1, 2026: 0.05% APYOct 1, 2026Oct 14, 2026

Atlanta, GA Checking Rate Trends

Compare local Atlanta, GA 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 Georgia Checking Trends
High-Yield Checking GA Avg
1.456%
▲ 0.136 vs 7 days ago

Georgia high-yield checking rates rose 0.136 points over the past 7 days to 1.456% APY.

Free Checking GA Avg
0.590%
▲ 0.037 vs 7 days ago

Georgia free checking rates rose 0.037 points over the past 7 days to 0.590% APY.

As of Oct 14, 2026 • Rate data sourced from 8,500+ monitored institutions

Atlanta, GA Checking Rate Forecast, Next 12 Months

Checking APYs move with Federal Reserve policy. Our model projects the likely path of high-yield and free checking averages from the current Georgia figures.

Current High-Yield Avg
1.46%
APY, as of Oct 14, 2026
6-Month Forecast
1.51%
Fed hold assumed
12-Month Forecast
1.56%
Range: 1.31% to 1.76%
Forecast Methodology & Assumptions

Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit institutions typically pass policy-rate changes through to checking APYs within 60 to 90 days. Reward and high-yield checking adjust faster than standard accounts.

Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.

Powered byMonitorBankRates

Top Checking Rates from Atlanta, Georgia Institutions

Highest verified APYs available today, updated October 13, 2026. Advertised rates typically require qualifying monthly activity.

B Top 5 Bank Rates
FirstBank (TN)
FirstRewards Checking
A 5.0 ★ TX: 7.51%
Min: $0
1.51%
Fitness Bank
Fitness Checking Account
A+ 5.0 ★ TX: 2.98%
Min: $0
1.00%
Affinity Bank
Fitness Checking Account
A+ 5.0 ★ TX: 2.98%
Min: $0
1.00%
Craft Bank
Premium Checking
A+ 5.0 ★ TX: 4.17%
Min: $0
0.50%
Hyperion Bank
HyperInterest Checking
A 5.0 ★ TX: 13.21%
Min: $0
0.40%
CU Top 5 Credit Union Rates
iThink Financial Credit Union
myChoice Checking Account
A+ 5.0 ★ TX: 5.06%
Min: $25
7.00%
Credit Union 1 Credit Union Rantoul, IL
High Yield Checking
A 5.0 ★ TX: 8.90%
Min: $1,000
4.75%
CDC Federal Credit Union
Student Checking
A+ 5.0 ★ TX: 2.99%
Min: $25
3.56%
Associated Credit Union
PRO$PER Checking
A+ 5.0 ★ TX: 1.61%
Min: $0
3.50%
On the Grid Financial Federal Credit Union
CU Power Checking
A+ 5.0 ★ TX: 1.08%
Min: $0
1.00%
Rates verified October 13, 2026 . Click an institution name to view its full profile, safety ratings, and all checking products.
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What Your Balance Earns at GA Checking Averages

Annual interest earnings at current Georgia average APYs. Advertised high-yield rates typically require qualifying monthly activity, and most accounts cap the balance that earns the top rate. The calculator below models your exact balance against a cap.

Balance High-Yield Checking (1.456% APY)Monthly Earnings Free Checking (0.590% APY)Monthly Earnings
$2,500 $36.40 / year $3.03 $14.75 / year $1.23
$5,000 $72.81 / year $6.07 $29.49 / year $2.46
$10,000 $145.62 / year $12.14 $58.98 / year $4.92
$25,000 $364.05 / year $30.34 $147.45 / year $12.29
Earnings estimates assume the full balance earns the average APY with qualifying requirements met every month. Actual earnings depend on the account’s rate cap, base rate, and whether requirements are met. The top offers above pay well over these averages. Source: Georgia checking rate averages as of October 14, 2026.
Powered byMonitorBankRates
31
Institutions with Checking Rates
Available in Atlanta, Georgia
15 Banks 16 Credit Unions

About Our Atlanta, Georgia Checking Rate Database

MonitorBankRates tracks checking account rates from 15 banks and 16 credit unions offering checking accounts to Atlanta, Georgia residents, spanning high-yield, rewards, free, student, and business checking from community institutions, regional banks, and national online options. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: iThink Financial Credit Union offers a checking account at 7.00% APY with a minimum deposit of $25. High-yield checking rates typically require qualifying monthly activity. Check the account details before opening.

How to Find the Best Checking Rates in Atlanta, Georgia

What to compare when shopping for an interest-bearing checking account in Atlanta, Georgia

To find the best checking APYs in Atlanta, Georgia, start with credit unions and online-only banks: Atlanta, Georgia has 16 credit unions in our database, and they dominate the high-yield and rewards checking market because they have lower overhead than traditional branch networks and use high rates to win your primary banking relationship.

Read the qualifying requirements before you’re drawn in by the headline rate. Most high-yield checking accounts require 10 to 15 debit card transactions per month, a direct deposit or ACH transfer, and e-statements. Miss them in a given month and you earn a near-zero base rate instead. Also check the balance cap: the advertised APY usually applies only up to $10,000 to $25,000. The current GA high-yield checking average is 1.456% but top institutions serving Atlanta, Georgia are offering as high as 7.00%, so shopping around pays off.

Finally, weigh fees and access: a monthly maintenance fee can erase a year of interest on a modest balance, and out-of-network ATM fees add up fast. The best accounts pair a high rate with no monthly fee and nationwide ATM access or ATM-fee reimbursement, worth checking if an institution has branches or in-network ATMs near you in Atlanta, Georgia.

When High-Yield Checking Makes Sense

  • You already use a debit card regularly: the transaction requirements cost you nothing extra
  • Your everyday balance sits under the account’s rate cap, so your whole balance earns the top APY
  • You want your spending money earning savings-level interest instead of 0%
  • You prefer banking locally: 31 institutions serving Atlanta, Georgia report checking rates to our database

Consider an Alternative If…

Atlanta, Georgia Financial Snapshot

Local demographics and economic context for account holders. Source: U.S. Census Bureau

Population 65+
12.3%
National avg: 17.3%
Median Individual Earnings
$55,760
National avg: $47,340
Poverty Rate
16.9%
National avg: 11.1%
Unemployment Rate
5.9%
National avg: 4.8%
Checking Earnings on 10% of Salary
$81/yr
At GA HY checking avg 1.456% APY

At today’s GA high-yield checking average of 1.456%, keeping 10% of the local median salary ($5,576) in a high-yield checking account would earn $81 annually, money a 0% traditional checking account leaves on the table. The top offers above pay even more.

Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.

High-Yield Checking vs. Other Atlanta, Georgia Options

How interest-bearing checking accounts compare to the other deposit products available at banks and credit unions in Atlanta, Georgia.

Feature High-Yield Checking Free Checking High-Yield Savings Money Market
Current GA Avg APY 1.456% 0.590% View Savings Rates View MMA Rates
Monthly Activity Required ✗ Usually yes (debit + direct deposit) ✓ None ✓ None ✓ None
Balance Cap on Top Rate Common ($10K, $25K) Little or no interest paid ✓ Rarely Tiered: higher balances earn more
FDIC / NCUA Insured ✓ Up to $250K ✓ Up to $250K ✓ Up to $250K ✓ Up to $250K
Checks & Debit Card ✓ Unlimited ✓ Unlimited ✗ No ✓ Limited per month
Best For Everyday spending money that also earns Simple no-fee banking, modest balances Emergency fund, larger balances Larger balances wanting some check access

APY data reflects Georgia averages tracked in our database as of October 14, 2026. Rates are variable and may differ by institution. See individual product pages for full details.

Atlanta, Georgia Checking Account Interest Calculator

See what an interest-bearing checking account earns on your everyday balance. Most high-yield accounts only pay the advertised APY up to a balance cap. Enter the cap to see the real number, or leave it at 0 for uncapped accounts. Click any current Atlanta, Georgia rate on the right to apply it. Interest compounds monthly.

Interest Earned
$0
Balance Earning Top Rate
$0
Ending Balance
$0

Assumes monthly compounding, qualifying requirements met every cycle, and that balances above the cap earn 0%. Checking rates are variable and can change at any time. Estimates are for informational purposes only.

Current Atlanta, Georgia Checking Rates

Verified October 13, 2026 · click a rate to use it
Rates shown are actual verified offers available in Atlanta, Georgia and daily averages from our monitoring database. Check each account’s qualifying requirements and rate cap, then model them here. See the full tables above for all offers.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Atlanta, Georgia 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 Atlanta, Georgia 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 Atlanta, Georgia. 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 GA.

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 Atlanta, Georgia earn interest?

Most traditional local checking accounts in Atlanta, Georgia 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 Atlanta, Georgia FDIC insured?

Yes. Legitimate banks with branches in Atlanta, Georgia 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.

What do I need to do to qualify for a high-yield checking rate in Atlanta, Georgia?

Most high-yield and rewards checking accounts require qualifying activity each month, typically 10 to 15 debit card transactions, at least one direct deposit or ACH transfer, and e-statement enrollment. Miss the requirements in a given month and the account usually pays a nominal base rate for that cycle instead of the advertised APY.

Is there a limit on how much of my balance earns the top rate?

Usually, yes. Most high-yield checking accounts pay their advertised APY only on balances up to a cap, commonly $10,000 to $25,000. Amounts above the cap earn a much lower rate, often near 0%. Use the calculator above to model your exact balance against a rate cap.

How do I open a checking account in Atlanta, Georgia?

You can open a checking account online or in person at a local branch. You will generally need a government-issued photo ID, your Social Security number, and an opening deposit. Many high-yield checking accounts have low or no minimum opening deposits.

Best Checking Rates in Atlanta, Georgia

Based on our current data, some of the highest checking account APYs available to residents of Atlanta, Georgia include:
  • iThink Financial Credit Union
    myChoice Checking Account: 7.00% APY
  • Credit Union 1 Credit Union Rantoul, IL
    High Yield Checking: 4.75% APY
  • CDC Federal Credit Union
    Student Checking: 3.56% APY
  • Associated Credit Union
    PRO$PER Checking: 3.50% APY
  • FirstBank (TN)
    FirstRewards Checking: 1.51% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Atlanta, Georgia. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: October 13, 2026

Atlanta, Georgia Rates & Resources