Best Checking Accounts & Rates in Indiana - May 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
The best checking rates for Indiana include Baxter Credit UnionBaxter Credit Union927 S Curry Pike, Bloomington, IN 47403 2624A5.0 ★Texas Ratio: 7.04% PowerPlusTM Checking Level 2 at 8.00% APY, One Vision Federal Credit UnionOne Vision Federal Credit Union206 W Lewis and Clark Pkwy, Clarksville, IN 47129 1646A+5.0 ★Texas Ratio: 2.19% ONEAccount Checking at 5.00% APY, Beacon Credit UnionBeacon Credit Union136 Northpoint Ave, Huntington, IN 46750 7764A+5.0 ★Texas Ratio: 1.43% Advantage Plus Checking at 5.00% APY, United Federal Credit UnionUnited Federal Credit Union4840 N Main St, Mishawaka, IN 46545A+5.0 ★Texas Ratio: 3.13% Ultra Checking at 5.00% APY, and UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union4884 S Maple Tree Dr, Princeton, IN 47670B4.4 ★Texas Ratio: 17.71% HY Checking at 4.00% APY. Checking account rates as of May 22, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare checking account rates across Indiana side-by-side. Indiana checking rates currently reach as high as 8.00% APY from Baxter Credit Union at 927 S Curry Pike, Bloomington, IN, 47403 2624. Rates are continually updated — we recommend checking back frequently.
Checking account rates reflect recent market quotes and representative offers available to depositors in Indiana. Checking Account Rates Last Updated and Verified: May 22, 2026
Compare Checking Account Rates Today in Indiana
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Baxter Credit Union
Bloomington, IN 47403 2624
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
927 S Curry PikeBloomington, IN 47403 2624
PowerPlusTM Checking Level 2
8.00%
$0
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Qualifying balance up to $15000
One Vision Federal Credit Union
Clarksville, IN 47129 1646
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
206 W Lewis and Clark PkwyClarksville, IN 47129 1646
ONEAccount Checking
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Qualifying balance up to $1,000.00
Beacon Credit Union
Huntington, IN 46750 7764
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
136 Northpoint AveHuntington, IN 46750 7764
Advantage Plus Checking
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Qualifying balance up to $10,000.00
United Federal Credit Union
Mishawaka, IN 46545
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
4840 N Main StMishawaka, IN 46545
Ultra Checking
5.00%
$50
▼
Rate4.89%
Min Deposit$50
Min Balance—
UpdatedMay 22, 2026
Details
Qualifications Required; Qualifying balance up to $10,000.00
UNIFY Financial Federal Credit Union
Princeton, IN 47670
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
4884 S Maple Tree DrPrinceton, IN 47670
HY Checking
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
Kemba Credit Union
Bluffton, IN 46714 9772
Institution Rating:
A5.0 ★ Texas Ratio: 5.93%
1111 S Adams StBluffton, IN 46714 9772
Get Green Rewards Checking
4.00%
$0
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Qualifying balance up to $15,000.00
Baxter Credit Union
Bloomington, IN 47403 2624
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
927 S Curry PikeBloomington, IN 47403 2624
PowerPlusTM Checking Level 1
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Qualifying balance up to $15000
MIDWEST AMERICA
Fort Wayne, IN 46816 1971
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
801 E Tillman RdFort Wayne, IN 46816 1971
Reward Checking
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Qualifying balance up to $10,000.00
LNB Community Bank
Lynnville, IN 47619
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
215 N Main StLynnville, IN 47619
Business Smart Checking Business
3.56%
$25
▼
Rate3.50%
Min Deposit$25
Min Balance—
UpdatedMay 21, 2026
Details
No additional details provided.
PrimeTrust Financial Federal Credit Union
Muncie, IN 47304
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3700 W Bethel AveMuncie, IN 47304
Peace of Mind Plus - POM+ Checking
3.55%
$0
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Qualifying balance up to $15,000.00
Tech Credit Union
Crown Point, IN 46307 9469
Institution Rating:
B+4.8 ★ Texas Ratio: 17.23%
10110 Randolph StCrown Point, IN 46307 9469
InCENTIV Checking
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
No additional details provided.
Liberty Federal Credit Union
Evansville, IN 47712 6587
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
4905 University DrEvansville, IN 47712 6587
Vertical Checking
3.50%
$25
▼
Rate3.45%
Min Deposit$25
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
Heritage Federal Credit Union
Newburgh, IN 47630
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
5388 W State Route 66Newburgh, IN 47630
Rewards Checking
3.40%
$0
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Qualifications Required; Qualifying balance up to $25,000.00
Perfect Circle Credit Union
Hagerstown, IN 47346
Institution Rating:
A+5.0 ★ Texas Ratio: 5.36%
631 E Main StHagerstown, IN 47346
Ultimate Checking
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
No additional details provided.
Advanz Federal Credit Union
Jeffersonville, IN 47130 6916
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
2917 E 10th StJeffersonville, IN 47130 6916
REWARDS +Plus+ CHECKING
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Qualifying balance up to $25,000.00
Tech Credit Union
Crown Point, IN 46307 9469
Institution Rating:
B+4.8 ★ Texas Ratio: 17.23%
10110 Randolph StCrown Point, IN 46307 9469
InCENTIV Checking
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
No additional details provided.
Energy Plus Credit Union
Indianapolis, IN 46221 1710
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
1230 W Morris StIndianapolis, IN 46221 1710
Ultimate Checking Tier 1
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Qualifying balance up to $5,000.00
Energy Plus Credit Union
Indianapolis, IN 46221 1710
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
1230 W Morris StIndianapolis, IN 46221 1710
Ultimate Checking Tier 2
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
No additional details provided.
Fort Financial Federal Credit Union
Fort Wayne, IN 46818 1856
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
8815 Lima RdFort Wayne, IN 46818 1856
Non-Profit Checking
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
No additional details provided.
Tech Credit Union
Crown Point, IN 46307 9469
Institution Rating:
B+4.8 ★ Texas Ratio: 17.23%
10110 Randolph StCrown Point, IN 46307 9469
InCENTIV Checking
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
No additional details provided.
Powered by
MonitorBankRates
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Baxter Credit Union
Bloomington, IN 47403 2624
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
927 S Curry PikeBloomington, IN 47403 2624
PowerPlusTM Checking Level 2
8.00%
$0
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Qualifying balance up to $15000
Beacon Credit Union
Huntington, IN 46750 7764
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
136 Northpoint AveHuntington, IN 46750 7764
Advantage Plus Checking
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Qualifying balance up to $10,000.00
United Federal Credit Union
Mishawaka, IN 46545
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
4840 N Main StMishawaka, IN 46545
Ultra Checking
5.00%
$50
▼
Rate4.89%
Min Deposit$50
Min Balance—
UpdatedMay 22, 2026
Details
Qualifications Required; Qualifying balance up to $10,000.00
One Vision Federal Credit Union
Clarksville, IN 47129 1646
Institution Rating:
A+5.0 ★ Texas Ratio: 2.19%
206 W Lewis and Clark PkwyClarksville, IN 47129 1646
ONEAccount Checking
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
Qualifying balance up to $1,000.00
MIDWEST AMERICA
Fort Wayne, IN 46816 1971
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
801 E Tillman RdFort Wayne, IN 46816 1971
Reward Checking
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Qualifying balance up to $10,000.00
UNIFY Financial Federal Credit Union
Princeton, IN 47670
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
4884 S Maple Tree DrPrinceton, IN 47670
HY Checking
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
Kemba Credit Union
Bluffton, IN 46714 9772
Institution Rating:
A5.0 ★ Texas Ratio: 5.93%
1111 S Adams StBluffton, IN 46714 9772
Get Green Rewards Checking
4.00%
$0
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Qualifying balance up to $15,000.00
Baxter Credit Union
Bloomington, IN 47403 2624
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
927 S Curry PikeBloomington, IN 47403 2624
PowerPlusTM Checking Level 1
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Qualifying balance up to $15000
PrimeTrust Financial Federal Credit Union
Muncie, IN 47304
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3700 W Bethel AveMuncie, IN 47304
Peace of Mind Plus - POM+ Checking
3.55%
$0
▼
Rate3.49%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
Qualifying balance up to $15,000.00
Liberty Federal Credit Union
Evansville, IN 47712 6587
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
4905 University DrEvansville, IN 47712 6587
Vertical Checking
3.50%
$25
▼
Rate3.45%
Min Deposit$25
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
Tech Credit Union
Crown Point, IN 46307 9469
Institution Rating:
B+4.8 ★ Texas Ratio: 17.23%
10110 Randolph StCrown Point, IN 46307 9469
InCENTIV Checking
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
No additional details provided.
Heritage Federal Credit Union
Newburgh, IN 47630
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
5388 W State Route 66Newburgh, IN 47630
Rewards Checking
3.40%
$0
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Qualifications Required; Qualifying balance up to $25,000.00
Advanz Federal Credit Union
Jeffersonville, IN 47130 6916
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
2917 E 10th StJeffersonville, IN 47130 6916
REWARDS +Plus+ CHECKING
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Qualifying balance up to $25,000.00
Perfect Circle Credit Union
Hagerstown, IN 47346
Institution Rating:
A+5.0 ★ Texas Ratio: 5.36%
631 E Main StHagerstown, IN 47346
Ultimate Checking
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
No additional details provided.
Tech Credit Union
Crown Point, IN 46307 9469
Institution Rating:
B+4.8 ★ Texas Ratio: 17.23%
10110 Randolph StCrown Point, IN 46307 9469
InCENTIV Checking
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
No additional details provided.
Energy Plus Credit Union
Indianapolis, IN 46221 1710
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
1230 W Morris StIndianapolis, IN 46221 1710
Ultimate Checking Tier 1
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Qualifying balance up to $5,000.00
Energy Plus Credit Union
Indianapolis, IN 46221 1710
Institution Rating:
A+5.0 ★ Texas Ratio: 1.43%
1230 W Morris StIndianapolis, IN 46221 1710
Ultimate Checking Tier 2
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
No additional details provided.
Fort Financial Federal Credit Union
Fort Wayne, IN 46818 1856
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
8815 Lima RdFort Wayne, IN 46818 1856
Non-Profit Checking
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
No additional details provided.
Tech Credit Union
Crown Point, IN 46307 9469
Institution Rating:
B+4.8 ★ Texas Ratio: 17.23%
10110 Randolph StCrown Point, IN 46307 9469
InCENTIV Checking
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
No additional details provided.
Centra Credit Union
Columbus, IN 47201 5577
Institution Rating:
A5.0 ★ Texas Ratio: 6.67%
1430 N National RdColumbus, IN 47201 5577
High Interest Checking
2.45%
$0
▼
Rate2.42%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
No additional details provided.
Powered by
MonitorBankRates
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
MIDWEST AMERICA
Fort Wayne, IN 46816 1971
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
801 E Tillman RdFort Wayne, IN 46816 1971
Reward Checking
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Qualifying balance up to $10,000.00
Kemba Credit Union
Bluffton, IN 46714 9772
Institution Rating:
A5.0 ★ Texas Ratio: 5.93%
1111 S Adams StBluffton, IN 46714 9772
Get Green Rewards Checking
4.00%
$0
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Qualifying balance up to $15,000.00
Heritage Federal Credit Union
Newburgh, IN 47630
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
5388 W State Route 66Newburgh, IN 47630
Rewards Checking
3.40%
$0
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Qualifications Required; Qualifying balance up to $25,000.00
Advanz Federal Credit Union
Jeffersonville, IN 47130 6916
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
2917 E 10th StJeffersonville, IN 47130 6916
REWARDS +Plus+ CHECKING
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Qualifying balance up to $25,000.00
First Federal S&L of Greensburg
Greensburg, IN 47240
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
212 N Franklin StGreensburg, IN 47240
Rewards Shelby Checking
0.10%
$50
▼
Rate0.10%
Min Deposit$50
Min Balance—
UpdatedMay 21, 2026
Details
No additional details provided.
Christian Family Credit Union
Carmel, IN 46280 1396
Institution Rating:
A+5.0 ★ Texas Ratio: 0.19%
301 Pennsylvania Pkwy Ste 300Carmel, IN 46280 1396
Member Rewards Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
No additional details provided.
Christian Family Credit Union
Carmel, IN 46280 1396
Institution Rating:
A+5.0 ★ Texas Ratio: 0.19%
301 Pennsylvania Pkwy Ste 300Carmel, IN 46280 1396
Member Rewards Checking
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
No additional details provided.
Liberty Federal Credit Union
Evansville, IN 47712 6587
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
4905 University DrEvansville, IN 47712 6587
Platinum Rewards Checking
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
Powered by
MonitorBankRates
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Freedom Bank Huntingburg, IN
Huntingburg, IN 47542
Institution Rating:
A+5.0 ★ Texas Ratio: 4.78%
1405 N Main StHuntingburg, IN 47542
Freedom Plus Checking
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
No additional details provided.
Freedom Bank Huntingburg, IN
Huntingburg, IN 47542
Institution Rating:
A+5.0 ★ Texas Ratio: 4.78%
1405 N Main StHuntingburg, IN 47542
Freedom Plus Checking
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
No additional details provided.
First Federal S&L of Greensburg
Greensburg, IN 47240
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
212 N Franklin StGreensburg, IN 47240
Basic Checking NOW Account
0.10%
$50
▼
Rate0.10%
Min Deposit$50
Min Balance—
UpdatedMay 21, 2026
Details
Basic Checking NOW Account has a monthly maintenance fee of $7.50 will be assessed if a minimum balance of $600.00 is not maintained.
Hoosier Hills Credit Union
Bedford, IN 47421 2116
Institution Rating:
A5.0 ★ Texas Ratio: 8.66%
630 Lincoln AveBedford, IN 47421 2116
FREE Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Rates may change after account is opened. Rates effective as of 5/17/2026
Industrial Federal Credit Union
Lafayette, IN 47905
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
1115 Sagamore Pkwy SLafayette, IN 47905
Free Share Draft Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Dividends are compounded and paid monthly
Advance Financial Federal Credit Union
Schererville, IN 46375 2108
Institution Rating:
A+5.0 ★ Texas Ratio: 4.84%
31 W US Highway 30Schererville, IN 46375 2108
Better Than Free Checking
0.04%
$20,000
▼
Rate0.00%
Min Deposit$20,000
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
Advance Financial Federal Credit Union
Schererville, IN 46375 2108
Institution Rating:
A+5.0 ★ Texas Ratio: 4.84%
31 W US Highway 30Schererville, IN 46375 2108
Better Than Free Checking
0.03%
$5,000
▼
Rate0.00%
Min Deposit$5,000
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
FedEx Employees Credit Association Federal Credit Union
Indianapolis, IN 46241 6400
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
6311 Airway Dr Ste 100Indianapolis, IN 46241 6400
Basic Checking
0.03%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
Advance Financial Federal Credit Union
Schererville, IN 46375 2108
Institution Rating:
A+5.0 ★ Texas Ratio: 4.84%
31 W US Highway 30Schererville, IN 46375 2108
Better Than Free Checking
0.02%
$500
▼
Rate0.00%
Min Deposit$500
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
First Savings Bank of Hegewisch
Hammond, IN 46323
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
7048 Kennedy AveHammond, IN 46323
Free Checking Plus Interest
0.01%
$10
▼
Rate0.01%
Min Deposit$10
Min Balance—
UpdatedMay 17, 2026
Details
Rates can change daily, Daily compounding
Advance Financial Federal Credit Union
Schererville, IN 46375 2108
Institution Rating:
A+5.0 ★ Texas Ratio: 4.84%
31 W US Highway 30Schererville, IN 46375 2108
Better Than Free Checking
0.01%
$25
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMay 17, 2026
Details
Qualifying balance up to $499.99
MIDWEST AMERICA
Fort Wayne, IN 46816 1971
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
801 E Tillman RdFort Wayne, IN 46816 1971
Freedom Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
No additional details provided.
Freedom Bank Huntingburg, IN
Huntingburg, IN 47542
Institution Rating:
A+5.0 ★ Texas Ratio: 4.78%
1405 N Main StHuntingburg, IN 47542
Freedom Plus Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
No additional details provided.
First FSB Rochester, IN
Rochester, IN 46975
Institution Rating:
A5.0 ★ Texas Ratio: 10.65%
301 E 9th StRochester, IN 46975
Simply Free Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
No additional details provided.
Hoosier Hills Credit Union
Bedford, IN 47421 2116
Institution Rating:
A5.0 ★ Texas Ratio: 8.66%
630 Lincoln AveBedford, IN 47421 2116
FREE Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Rates may change after account is opened. Rates effective as of 5/17/2026
Industrial Federal Credit Union
Lafayette, IN 47905
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
1115 Sagamore Pkwy SLafayette, IN 47905
EveryDay Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
Advance Financial Federal Credit Union
Schererville, IN 46375 2108
Institution Rating:
A+5.0 ★ Texas Ratio: 4.84%
31 W US Highway 30Schererville, IN 46375 2108
Free Checking
0.00%
$25
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
UNIFY Financial Federal Credit Union
Princeton, IN 47670
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
4884 S Maple Tree DrPrinceton, IN 47670
FREE Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
UNIFY Financial Federal Credit Union
Princeton, IN 47670
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
4884 S Maple Tree DrPrinceton, IN 47670
FREE Checking Account
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
Regional Federal Credit Union
Hammond, IN 46323 2225
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
7144 Kennedy AveHammond, IN 46323 2225
Basic Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
Powered by
MonitorBankRates
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Industrial Federal Credit Union
Lafayette, IN 47905
Institution Rating:
A+5.0 ★ Texas Ratio: 4.82%
1115 Sagamore Pkwy SLafayette, IN 47905
Teen Checking
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
PrimeTrust Financial Federal Credit Union
Muncie, IN 47304
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3700 W Bethel AveMuncie, IN 47304
StartRight Youth Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
No additional details provided.
Hoosier Hills Credit Union
Bedford, IN 47421 2116
Institution Rating:
A5.0 ★ Texas Ratio: 8.66%
630 Lincoln AveBedford, IN 47421 2116
Smart Spending (Teen Checking)
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Rates may change after account is opened. Rates effective as of 5/17/2026
First Savings Bank of Hegewisch
Hammond, IN 46323
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
7048 Kennedy AveHammond, IN 46323
Student Checking
0.01%
$10
▼
Rate0.01%
Min Deposit$10
Min Balance—
UpdatedMay 17, 2026
Details
Rates can change daily, Daily compounding
Tech Credit Union
Crown Point, IN 46307 9469
Institution Rating:
B+4.8 ★ Texas Ratio: 17.23%
10110 Randolph StCrown Point, IN 46307 9469
Student Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
No additional details provided.
Hoosier Hills Credit Union
Bedford, IN 47421 2116
Institution Rating:
A5.0 ★ Texas Ratio: 8.66%
630 Lincoln AveBedford, IN 47421 2116
Smart Spending (Teen Checking)
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
Rates may change after account is opened. Rates effective as of 5/17/2026
Powered by
MonitorBankRates
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
LNB Community Bank
Lynnville, IN 47619
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
215 N Main StLynnville, IN 47619
Business Smart Checking Business
3.56%
$25
▼
Rate3.50%
Min Deposit$25
Min Balance—
UpdatedMay 21, 2026
Details
No additional details provided.
Freedom Bank Huntingburg, IN
Huntingburg, IN 47542
Institution Rating:
A+5.0 ★ Texas Ratio: 4.78%
1405 N Main StHuntingburg, IN 47542
Business Interest Checking Business
1.11%
$0
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
No additional details provided.
Freedom Bank Huntingburg, IN
Huntingburg, IN 47542
Institution Rating:
A+5.0 ★ Texas Ratio: 4.78%
1405 N Main StHuntingburg, IN 47542
Business Interest Checking Business
0.80%
$0
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
No additional details provided.
Freedom Bank Huntingburg, IN
Huntingburg, IN 47542
Institution Rating:
A+5.0 ★ Texas Ratio: 4.78%
1405 N Main StHuntingburg, IN 47542
Business Interest Checking Business
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
No additional details provided.
Freedom Bank Huntingburg, IN
Huntingburg, IN 47542
Institution Rating:
A+5.0 ★ Texas Ratio: 4.78%
1405 N Main StHuntingburg, IN 47542
Business Interest Checking Business
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
No additional details provided.
MIDWEST AMERICA
Fort Wayne, IN 46816 1971
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
801 E Tillman RdFort Wayne, IN 46816 1971
Business Checking Business
0.38%
$0
▼
Rate0.38%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
No additional details provided.
MIDWEST AMERICA
Fort Wayne, IN 46816 1971
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
801 E Tillman RdFort Wayne, IN 46816 1971
Business Checking Business
0.29%
$0
▼
Rate0.29%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
No additional details provided.
Baxter Credit Union
Bloomington, IN 47403 2624
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
927 S Curry PikeBloomington, IN 47403 2624
Premier Business Checking Business
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
No additional details provided.
Forum Credit Union
Carmel, IN 46032 3279
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
2259 E 116th StCarmel, IN 46032 3279
Business Analysis Checking Business
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
No additional details provided.
Indiana University Credit Union
Bloomington, IN 47401
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
105 E Winslow RdBloomington, IN 47401
BusinessPLUS Checking Business
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
No additional details provided.
Indiana University Credit Union
Bloomington, IN 47401
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
105 E Winslow RdBloomington, IN 47401
BusinessANALYSIS Checking Business
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
No additional details provided.
MIDWEST AMERICA
Fort Wayne, IN 46816 1971
Institution Rating:
A+5.0 ★ Texas Ratio: 3.67%
801 E Tillman RdFort Wayne, IN 46816 1971
Business Checking Business
0.16%
$0
▼
Rate0.16%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
No additional details provided.
Fort Financial Federal Credit Union
Fort Wayne, IN 46818 1856
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
8815 Lima RdFort Wayne, IN 46818 1856
Business Checking Business
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
*$100 minimum opening deposit
Forum Credit Union
Carmel, IN 46032 3279
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
2259 E 116th StCarmel, IN 46032 3279
Business Analysis Checking Business
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
No additional details provided.
The Antwerp Exchange Bank Company
Harlan, IN 46743
Institution Rating:
B+4.7 ★ Texas Ratio: 18.93%
10726 Thimlar RdHarlan, IN 46743
Interest Bearing Business Checking Business
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
No additional details provided.
The Antwerp Exchange Bank Company
Harlan, IN 46743
Institution Rating:
B+4.7 ★ Texas Ratio: 18.93%
10726 Thimlar RdHarlan, IN 46743
Interest Bearing Business Checking Business
0.12%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
No additional details provided.
Tech Credit Union
Crown Point, IN 46307 9469
Institution Rating:
B+4.8 ★ Texas Ratio: 17.23%
10110 Randolph StCrown Point, IN 46307 9469
Business Checking Business
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
No additional details provided.
PrimeTrust Financial Federal Credit Union
Muncie, IN 47304
Institution Rating:
A+5.0 ★ Texas Ratio: 2.81%
3700 W Bethel AveMuncie, IN 47304
Business Checking with Dividends minimum balance Business
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 21, 2026
Details
$1000
Partners 1st Federal Credit Union
Fort Wayne, IN 46804 3073
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
6210 W Jefferson BlvdFort Wayne, IN 46804 3073
Business Checking Business
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
No additional details provided.
First Federal S&L of Greensburg
Greensburg, IN 47240
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
212 N Franklin StGreensburg, IN 47240
Business Checking Business
0.10%
$50
▼
Rate0.10%
Min Deposit$50
Min Balance—
UpdatedMay 21, 2026
Details
No additional details provided.
Powered by
MonitorBankRates
Indiana Checking Rate Trends
Compare local Indiana 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.
High-Yield Checking — IN Avg
1.607%
▲ 0.508 vs 7 days ago
Indiana high-yield checking rates rose 0.508 points over the past 7 days to 1.607% APY.
Free Checking — IN Avg
1.157%
▲ 0.056 vs 7 days ago
Indiana free checking rates rose 0.056 points over the past 7 days to 1.157% APY.
As of May 22, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Indiana 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 Indiana 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 Indiana. 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 IN.
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 Indiana earn interest?
Most traditional local checking accounts in Indiana 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 Indiana FDIC insured?
Yes. Legitimate banks with branches in Indiana 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 Indiana
Based on our current data, some of the highest checking account APYs available to residents of Indiana include:
- Baxter Credit Union
PowerPlusTM Checking Level 2 — 8.00% APY - One Vision Federal Credit Union
ONEAccount Checking — 5.00% APY - Beacon Credit Union
Advantage Plus Checking — 5.00% APY - United Federal Credit Union
Ultra Checking — 5.00% APY - UNIFY Financial Federal Credit Union
HY Checking — 4.00% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Indiana. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: May 22, 2026
Checking Account Rates by City in Indiana
Rate Assistant
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