Best Checking Accounts & Rates in Mississippi - April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best checking rates for Mississippi include Baxter Credit UnionBaxter Credit Union911 N Davis Ave, Cleveland, MS 38732 2106A5.0 ★Texas Ratio: 7.73% PowerPlusTM Checking Level 2 at 8.00% APY, First Federal S&L Pascagoula, MSFirst Federal S&L Pascagoula, MS903 Jackson Ave, Pascagoula, MS 39567A+5.0 ★Texas Ratio: 3.26% Legacy Checking at 6.00% APY, Keesler Federal Credit UnionKeesler Federal Credit Union2602 Pass Rd, Biloxi, MS 39531 2728A+5.0 ★Texas Ratio: 4.31% Checking Plus Qualified at 5.00% APY, UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union1200 Magnolia Way, Blue Springs, MS 38828B4.4 ★Texas Ratio: 21.76% HY Checking at 4.00% APY, and Navigator Credit UnionNavigator Credit Union1201 Jackson Ave, Pascagoula, MS 39567 4353A+5.0 ★Texas Ratio: 2.50% High Yield Checking at 3.00% APY. Checking account rates as of April 27, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare checking account rates across Mississippi side-by-side. Mississippi checking rates currently reach as high as 8.00% APY from Baxter Credit Union at 911 N Davis Ave, Cleveland, MS, 38732 2106. Rates are continually updated — we recommend checking back frequently.
Checking account rates reflect recent market quotes and representative offers available to depositors in Mississippi. Checking Account Rates Last Updated and Verified: April 27, 2026
Compare Checking Account Rates Today in Mississippi
Cleveland, MS 38732 2106
Qualifying balance up to $15000
Pascagoula, MS 39567
No additional details provided.
Biloxi, MS 39531 2728
Qualifications Required: At least 1 direct deposit, ACH credit or ACH payment transaction, at least 12 debit card purchases and enrollment in eStatements; Qualifying balance up to $25,000
Pascagoula, MS 39567
No additional details provided.
Blue Springs, MS 38828
No additional details provided.
Cleveland, MS 38732 2106
Qualifying balance up to $15000
Pascagoula, MS 39567 4353
No additional details provided.
De Kalb, MS 39328
No additional details provided.
De Kalb, MS 39328
No additional details provided.
Woodville, MS 39669
No additional details provided.
Monticello, MS 39654
No additional details provided.
Woodville, MS 39669
No additional details provided.
Woodville, MS 39669
No additional details provided.
Jackson, MS 39201
No additional details provided.
Meridian, MS 39301
No additional details provided.
Meridian, MS 39301
No additional details provided.
Meridian, MS 39301
No additional details provided.
Corinth, MS 38834
$75,000
Corinth, MS 38834
$25,000-$74,999
Jackson, MS 39201 5506
No additional details provided.
Cleveland, MS 38732 2106
Qualifying balance up to $15000
Pascagoula, MS 39567
No additional details provided.
Biloxi, MS 39531 2728
Qualifications Required: At least 1 direct deposit, ACH credit or ACH payment transaction, at least 12 debit card purchases and enrollment in eStatements; Qualifying balance up to $25,000
Pascagoula, MS 39567
No additional details provided.
Blue Springs, MS 38828
No additional details provided.
Cleveland, MS 38732 2106
Qualifying balance up to $15000
Pascagoula, MS 39567 4353
No additional details provided.
De Kalb, MS 39328
No additional details provided.
De Kalb, MS 39328
No additional details provided.
Woodville, MS 39669
No additional details provided.
Woodville, MS 39669
No additional details provided.
Meridian, MS 39301
No additional details provided.
Corinth, MS 38834 9043
No additional details provided.
Tchula, MS 39169
No additional details provided.
Tchula, MS 39169
No additional details provided.
Tchula, MS 39169
No additional details provided.
Biloxi, MS 39531 2728
No additional details provided.
Corinth, MS 38834 5511
No additional details provided.
Pascagoula, MS 39567 4353
No additional details provided.
Corinth, MS 38834 5511
No additional details provided.
Blue Springs, MS 38828
No additional details provided.
Blue Springs, MS 38828
No additional details provided.
Monticello, MS 39654
No additional details provided.
Corinth, MS 38834 5511
No additional details provided.
Cleveland, MS 38732 2106
No additional details provided.
Corinth, MS 38834 9043
$100 minimum opening deposit
Pascagoula, MS 39581
No additional details provided.
Pascagoula, MS 39581
No additional details provided.
Pascagoula, MS 39581
No additional details provided.
Mississippi Checking Rate Trends
Compare local Mississippi 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.
Mississippi high-yield checking rates rose 0.797 points over the past 7 days to 4.510% APY.
Mississippi free checking rates rose 0.082 points over the past 7 days to 2.174% APY.
Methodology & Data Sources
Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Mississippi directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Mississippi. 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 MS.
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 Mississippi earn interest?
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What is a Rewards Checking account?
Best Checking Rates in Mississippi
- Baxter Credit Union
PowerPlusTM Checking Level 2 — 8.00% APY - First Federal S&L Pascagoula, MS
Legacy Checking — 6.00% APY - Keesler Federal Credit Union
Checking Plus Qualified — 5.00% APY - UNIFY Financial Federal Credit Union
HY Checking — 4.00% APY - Navigator Credit Union
High Yield Checking — 3.00% APY
Checking Account Rates by City in Mississippi
