Best Checking Accounts & Rates in Mississippi - May 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: 7.04% 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: 3.87% 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: 17.71% HY Checking at 4.00% APY, and Sunbelt Federal Credit UnionSunbelt Federal Credit Union1506 Congress St, Laurel, MS 39440 4239A+5.0 ★Texas Ratio: 1.85% Advantage 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 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: May 22, 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
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
Laurel, MS 39440 4239
Qualifying balance up to $20,000
Clarksdale, MS 38614
No additional details provided.
Pascagoula, MS 39567 4353
Variable: Prime - 3.75%
Corinth, MS 38834 9043
No additional details provided.
Clarksdale, MS 38614
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.
Corinth, MS 38834 9043
No additional details provided.
Monticello, MS 39654
No additional details provided.
Laurel, MS 39440 4239
Minimum Balance for APY Met*
Corinth, MS 38834 9043
No additional details provided.
Cleveland, MS 38732 2106
No additional details provided.
Gulfport, MS 39501 2910
$2,000 and over
Cleveland, MS 38732 2106
Qualifying balance up to $15000
Pascagoula, MS 39567
No additional details provided.
Biloxi, MS 39531 2728
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
Laurel, MS 39440 4239
Qualifying balance up to $20,000
Clarksdale, MS 38614
No additional details provided.
Pascagoula, MS 39567 4353
Variable: Prime - 3.75%
Corinth, MS 38834 9043
No additional details provided.
Clarksdale, MS 38614
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
$1,000 to $99,999
Tchula, MS 39169
No additional details provided.
Tchula, MS 39169
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 0.089 points over the past 7 days to 4.545% APY.
Mississippi free checking rates fell 0.782 points over the past 7 days to 1.522% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Mississippi 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 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 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 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 fees should I watch out for?
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 - Sunbelt Federal Credit Union
Advantage Checking — 4.00% APY
Checking Account Rates by City in Mississippi
