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Best Banks & Checking Accounts in Gautier, Mississippi - April 2026

The best checking rates for Gautier, Mississippi include First Federal S&L Pascagoula, MSFirst Federal S&L Pascagoula, MS1414 Highway 90, Gautier, MS 39553A+5.0 ★Texas Ratio: 3.26% Legacy Checking at 6.00% APY, Keesler Federal Credit UnionKeesler Federal Credit Union3501 Dolphin Dr, Gautier, MS 39553A+5.0 ★Texas Ratio: 4.31% Checking Plus Qualified at 5.00% APY, Navigator Credit UnionNavigator Credit Union1850 Highway 90, Gautier, MS 39553A+5.0 ★Texas Ratio: 2.50% High Yield Checking at 3.00% APY, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% PowerPlusTM Checking Level 2 at 8.00% APY, and UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit UnionB4.4 ★Texas Ratio: 21.76% HY Checking at 4.00% APY. Checking account rates as of April 4, 2026 according to verified data from MonitorBankRates.

Gautier has 3 local institutions in our database, with checking rates as high as 6.00% APY from First Federal S&L Pascagoula, MS at 1414 Highway 90, Gautier, MS, 39553. Use the tabs below to compare all available checking account types. Rates are continually updated — we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in Gautier, Mississippi. Checking Account Rates Last Updated and Verified: April 4, 2026

Compare Checking Account Rates Today in Gautier, Mississippi & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
1414 Highway 90
Gautier, MS 39553
Legacy Checking
6.00%
$25
Rate5.85%
Min Deposit$25
Min Balance
UpdatedApr 3, 2026
Details

No additional details provided.

First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
1414 Highway 90
Gautier, MS 39553
First4Me Checking
5.00%
$25
Rate4.89%
Min Deposit$25
Min Balance
UpdatedApr 3, 2026
Details

No additional details provided.

Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
3501 Dolphin Dr
Gautier, MS 39553
Checking Plus Qualified
5.00%
$25
Rate4.89%
Min Deposit$25
Min Balance
UpdatedMar 27, 2026
Details

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

Navigator Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
1850 Highway 90
Gautier, MS 39553
High Yield Checking
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

No additional details provided.

Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
3501 Dolphin Dr
Gautier, MS 39553
Checking Plus Non-Qualified
0.05%
$25
Rate0.05%
Min Deposit$25
Min Balance
UpdatedMar 27, 2026
Details

No additional details provided.

Navigator Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
1850 Highway 90
Gautier, MS 39553
High Yield Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 2
8.00%
$0
Rate7.72%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Qualifying balance up to $15000

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 1
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Qualifying balance up to $15000

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
HY Checking
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMar 29, 2026
Details

No additional details provided.

Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Advantage Checking
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Qualifying balance up to $20,000.00

FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
Dividend Plus Checking
3.52%
$25
Rate3.52%
Min Deposit$25
Min Balance
UpdatedMar 26, 2026
Details

N/A

First National Bank of Clarksdale
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
Investment Checking
3.25%
$0
Rate3.25%
Min Deposit$0
Min Balance
UpdatedApr 2, 2026
Details

No additional details provided.

The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.29%
Kasasa Cash Back Checking
3.00%
$0
Rate3.00%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Cash Back

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.12%
Non-Profit Checking
2.50%
$0
Rate2.47%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

No additional details provided.

First National Bank of Clarksdale
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
Investment Checking
2.25%
$0
Rate2.25%
Min Deposit$0
Min Balance
UpdatedApr 2, 2026
Details

No additional details provided.

Bank of Holly Springs
Institution Rating:
A5.0 ★ Texas Ratio: 9.54%
Premier NOW Checking
2.00%
$0
Rate2.00%
Min Deposit$0
Min Balance
UpdatedApr 3, 2026
Details

No additional details provided.

Magnolia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
Everything Teen Checking
1.73%
$0
Rate1.72%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Qualifying balance up to $1000.00

Commercial Bank De Kalb, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
Investor Checking
1.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

No additional details provided.

First State Bank Waynesboro, MS
Institution Rating:
A5.0 ★ Texas Ratio: 11.49%
Kasasa Cash Checking
1.00%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedApr 2, 2026
Details

Qualifications Required: Minimum (12) Check Card purchases per qualification cycle; Minimum one direct deposit or automatic payment by ACH per qualification cycle; Qualifying balance up to $20,000

FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
High Interest Checking
0.50%
$5,000
Rate0.50%
Min Deposit$5,000
Min Balance
UpdatedMar 26, 2026
Details

$100,000

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
1414 Highway 90
Gautier, MS 39553
Legacy Checking
6.00%
$25
Rate5.85%
Min Deposit$25
Min Balance
UpdatedApr 3, 2026
Details

No additional details provided.

Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
3501 Dolphin Dr
Gautier, MS 39553
Checking Plus Qualified
5.00%
$25
Rate4.89%
Min Deposit$25
Min Balance
UpdatedMar 27, 2026
Details

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

First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
1414 Highway 90
Gautier, MS 39553
First4Me Checking
5.00%
$25
Rate4.89%
Min Deposit$25
Min Balance
UpdatedApr 3, 2026
Details

No additional details provided.

Navigator Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
1850 Highway 90
Gautier, MS 39553
High Yield Checking
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

No additional details provided.

Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
3501 Dolphin Dr
Gautier, MS 39553
Checking Plus Non-Qualified
0.05%
$25
Rate0.05%
Min Deposit$25
Min Balance
UpdatedMar 27, 2026
Details

No additional details provided.

Navigator Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
1850 Highway 90
Gautier, MS 39553
High Yield Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 2
8.00%
$0
Rate7.72%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Qualifying balance up to $15000

Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
Advantage Checking
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Qualifying balance up to $20,000.00

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 1
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

Qualifying balance up to $15000

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
HY Checking
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMar 29, 2026
Details

No additional details provided.

FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
Dividend Plus Checking
3.52%
$25
Rate3.52%
Min Deposit$25
Min Balance
UpdatedMar 26, 2026
Details

N/A

First National Bank of Clarksdale
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
Investment Checking
3.25%
$0
Rate3.25%
Min Deposit$0
Min Balance
UpdatedApr 2, 2026
Details

No additional details provided.

The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.29%
Kasasa Cash Back Checking
3.00%
$0
Rate3.00%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Cash Back

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.12%
Non-Profit Checking
2.50%
$0
Rate2.47%
Min Deposit$0
Min Balance
UpdatedMar 26, 2026
Details

No additional details provided.

First National Bank of Clarksdale
Institution Rating:
A5.0 ★ Texas Ratio: 7.27%
Investment Checking
2.25%
$0
Rate2.25%
Min Deposit$0
Min Balance
UpdatedApr 2, 2026
Details

No additional details provided.

Bank of Holly Springs
Institution Rating:
A5.0 ★ Texas Ratio: 9.54%
Premier NOW Checking
2.00%
$0
Rate2.00%
Min Deposit$0
Min Balance
UpdatedApr 3, 2026
Details

No additional details provided.

Magnolia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
Everything Teen Checking
1.73%
$0
Rate1.72%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Qualifying balance up to $1000.00

First State Bank Waynesboro, MS
Institution Rating:
A5.0 ★ Texas Ratio: 11.49%
Kasasa Cash Checking
1.00%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedApr 2, 2026
Details

Qualifications Required: Minimum (12) Check Card purchases per qualification cycle; Minimum one direct deposit or automatic payment by ACH per qualification cycle; Qualifying balance up to $20,000

Commercial Bank De Kalb, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
Investor Checking
1.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

No additional details provided.

Commercial Bank De Kalb, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
Interest Checking
0.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
The New Orleans Firemens Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.29%
Kasasa Cash Back Checking
3.00%
$0
Rate3.00%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Cash Back

First State Bank Waynesboro, MS
Institution Rating:
A5.0 ★ Texas Ratio: 11.49%
Kasasa Cash Checking
1.00%
$100
Rate0.00%
Min Deposit$100
Min Balance
UpdatedApr 2, 2026
Details

Qualifications Required: Minimum (12) Check Card purchases per qualification cycle; Minimum one direct deposit or automatic payment by ACH per qualification cycle; Qualifying balance up to $20,000

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Rewards Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
FREE Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 29, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
FREE Checking Account
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 29, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Magnolia Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
Everything Teen Checking
1.73%
$0
Rate1.72%
Min Deposit$0
Min Balance
UpdatedApr 4, 2026
Details

Qualifying balance up to $1000.00

Ferguson Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 20.66%
Youth Checking
0.30%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 2, 2026
Details

No additional details provided.

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Student Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMar 28, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Peoples Bank, Biloxi, Mississippi
Institution Rating:
A+5.0 ★ Texas Ratio: 1.96%
2609 Highway 90
Gautier, MS 39553
Commercial Checking
0.25%
$200
Rate0.25%
Min Deposit$200
Min Balance
UpdatedApr 2, 2026
Details

Negative balance; Prime + 3.00%

Southern Security Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.34%
Business Share Draft (Checking)
0.40%
$0
Rate0.40%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

No additional details provided.

Southern Security Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.34%
Business Share Draft (Checking)
0.30%
$0
Rate0.30%
Min Deposit$0
Min Balance
UpdatedMar 24, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Premier Business Checking
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMar 25, 2026
Details

No additional details provided.

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.12%
Business Checking
0.15%
$100
Rate0.15%
Min Deposit$100
Min Balance
UpdatedMar 26, 2026
Details

$100 minimum opening deposit

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
Business Premium Checking
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedApr 2, 2026
Details

No additional details provided.

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
Business Premium Checking
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedApr 2, 2026
Details

No additional details provided.

Citizens National Bank of Meridian
Institution Rating:
A+5.0 ★ Texas Ratio: 4.46%
BusinessBlue Analysis Checking
0.01%
$100
Rate0.01%
Min Deposit$100
Min Balance
UpdatedMar 29, 2026
Details

Account balance can earn credit each month to offset your monthly fees.

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
Business Premium Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 2, 2026
Details

No additional details provided.

Gautier, MS Checking Rate Trends

Compare local Gautier, MS 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 Mississippi Checking Trends →
High-Yield Checking — MS Avg
3.655%
▲ 1.988 vs 7 days ago

Mississippi high-yield checking rates rose 1.988 points over the past 7 days to 3.655% APY.

Free Checking — MS Avg
2.160%
▲ 1.985 vs 7 days ago

Mississippi free checking rates rose 1.985 points over the past 7 days to 2.160% APY.

As of Apr 5, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Gautier, 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 Gautier, 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 Gautier, Mississippi earn interest?

Most traditional local checking accounts in Gautier, Mississippi 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 Gautier, Mississippi FDIC insured?

Yes. Legitimate banks with branches in Gautier, Mississippi 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 Gautier, Mississippi

Based on our current data, some of the highest checking account APYs available to residents of Gautier, Mississippi include:
  • First Federal S&L Pascagoula, MS
    Legacy Checking — 6.00% APY
  • Keesler Federal Credit Union
    Checking Plus Qualified — 5.00% APY
  • Navigator Credit Union
    High Yield Checking — 3.00% APY
  • Baxter Credit Union
    PowerPlusTM Checking Level 2 — 8.00% 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 Gautier, Mississippi. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: April 4, 2026