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Best Banks & Checking Accounts in Gautier, Mississippi - May 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: 3.87% Checking Plus Qualified at 5.00% APY, Navigator Credit UnionNavigator Credit Union1850 Highway 90, Gautier, MS 39553A+5.0 ★Texas Ratio: 2.30% High Yield Checking at 3.00% APY, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.04% PowerPlusTM Checking Level 2 at 8.00% APY, and Sunbelt Federal Credit UnionSunbelt Federal Credit UnionA+5.0 ★Texas Ratio: 1.85% Advantage Checking at 4.00% APY. Checking account rates as of May 23, 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: May 23, 2026

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

Institutions:

Gautier Checking Account Rates

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
UpdatedMay 17, 2026
Details

No additional details provided.

Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.87%
3501 Dolphin Dr
Gautier, MS 39553
Checking Plus Qualified
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedMay 22, 2026
Details

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
UpdatedMay 17, 2026
Details

No additional details provided.

Navigator Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
1850 Highway 90
Gautier, MS 39553
High Yield Checking
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedMay 18, 2026
Details

Variable: Prime - 3.75%

Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.87%
3501 Dolphin Dr
Gautier, MS 39553
Checking Pays
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMay 22, 2026
Details

No additional details provided.

Navigator Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
1850 Highway 90
Gautier, MS 39553
High Yield Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 18, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
PowerPlusTM Checking Level 2
8.00%
$0
Rate7.72%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

Qualifying balance up to $15000

Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
Advantage Checking
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMay 22, 2026
Details

Qualifying balance up to $20,000

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
PowerPlusTM Checking Level 1
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

Qualifying balance up to $15000

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
HY Checking
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMay 22, 2026
Details

No additional details provided.

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
UpdatedMay 21, 2026
Details

No additional details provided.

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
Non-Profit Checking
2.50%
$0
Rate2.47%
Min Deposit$0
Min Balance
UpdatedMay 22, 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
UpdatedMay 21, 2026
Details

No additional details provided.

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
UpdatedMay 17, 2026
Details

No additional details provided.

Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★ Texas Ratio: 18.55%
Diamond Checking
0.50%
$100
Rate0.50%
Min Deposit$100
Min Balance
UpdatedMay 17, 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
UpdatedMay 17, 2026
Details

No additional details provided.

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
Non-Profit Checking
0.35%
$0
Rate0.35%
Min Deposit$0
Min Balance
UpdatedMay 22, 2026
Details

No additional details provided.

Ferguson Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 17.97%
Youth Checking
0.30%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 22, 2026
Details

No additional details provided.

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
Non-Profit Checking
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMay 22, 2026
Details

No additional details provided.

Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.24%
Share Draft/Checking Account
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMay 21, 2026
Details

No additional details provided.

Gautier High Yield Checking Rates

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
UpdatedMay 17, 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
UpdatedMay 17, 2026
Details

No additional details provided.

Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.87%
3501 Dolphin Dr
Gautier, MS 39553
Checking Plus Qualified
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedMay 22, 2026
Details

Qualifying balance up to $25,000

Navigator Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
1850 Highway 90
Gautier, MS 39553
High Yield Checking
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedMay 18, 2026
Details

Variable: Prime - 3.75%

Navigator Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.30%
1850 Highway 90
Gautier, MS 39553
High Yield Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 18, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
PowerPlusTM Checking Level 2
8.00%
$0
Rate7.72%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

Qualifying balance up to $15000

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
PowerPlusTM Checking Level 1
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

Qualifying balance up to $15000

Sunbelt Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
Advantage Checking
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMay 22, 2026
Details

Qualifying balance up to $20,000

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
HY Checking
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMay 22, 2026
Details

No additional details provided.

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
UpdatedMay 21, 2026
Details

No additional details provided.

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
Non-Profit Checking
2.50%
$0
Rate2.47%
Min Deposit$0
Min Balance
UpdatedMay 22, 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
UpdatedMay 21, 2026
Details

No additional details provided.

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
UpdatedMay 17, 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
UpdatedMay 17, 2026
Details

No additional details provided.

Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★ Texas Ratio: 18.55%
Interest Checking
0.25%
$1,500
Rate0.25%
Min Deposit$1,500
Min Balance
UpdatedMay 17, 2026
Details

No additional details provided.

Concordia Bank & Trust Company
Institution Rating:
B+4.7 ★ Texas Ratio: 18.55%
Charitable Interest Checking
0.25%
$1,000
Rate0.25%
Min Deposit$1,000
Min Balance
UpdatedMay 17, 2026
Details

No additional details provided.

1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
1st Advantage Checking
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 22, 2026
Details

No additional details provided.

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
Interest Checking Account Rate
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMay 22, 2026
Details

No additional details provided.

BankPlus
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
ValuePlus Interest Checking
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 21, 2026
Details

No additional details provided.

BankPlus
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
PrimePlus Checking
0.05%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 21, 2026
Details

No additional details provided.

Gautier Rewards Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Rewards Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

Gautier Free Checking Rates

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: 17.71%
FREE Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 22, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
FREE Checking Account
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 22, 2026
Details

No additional details provided.

Gautier Student Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Ferguson Federal Credit Union
Institution Rating:
B4.5 ★ Texas Ratio: 17.97%
Youth Checking
0.30%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 22, 2026
Details

No additional details provided.

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Student Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

Gautier Business Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Premier Business Checking Business
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.84%
Business Checking Business
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMay 22, 2026
Details

*$100 minimum opening deposit

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
Business Premium Checking Business
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

No additional details provided.

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
Business Premium Checking Business
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMay 23, 2026
Details

No additional details provided.

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
Business Premium Checking Business
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 23, 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
4.545%
▲ 0.089 vs 7 days ago

Mississippi high-yield checking rates rose 0.089 points over the past 7 days to 4.545% APY.

Free Checking — MS Avg
1.437%
▼ 0.085 vs 7 days ago

Mississippi free checking rates fell 0.085 points over the past 7 days to 1.437% APY.

As of May 25, 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 Gautier, 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 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 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 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
  • Sunbelt Federal Credit Union
    Advantage 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: May 23, 2026