Best Banks & Checking Accounts in Monticello, Mississippi - April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best checking rates for Monticello, Mississippi include Ferguson Federal Credit UnionFerguson Federal Credit Union1026 E Broad St, Monticello, MS 39654B4.5 ★Texas Ratio: 20.66% Youth Checking at 0.30% APY, BankPlusBankPlus332 E Broad St, Monticello, MS 39654A+5.0 ★Texas Ratio: 2.28% InvestmentPlus Checking at 0.05% APY, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% PowerPlusTM Checking Level 2 at 8.00% APY, First Federal S&L Pascagoula, MSFirst Federal S&L Pascagoula, MSA+5.0 ★Texas Ratio: 3.26% Legacy Checking at 6.00% APY, and Keesler Federal Credit UnionKeesler Federal Credit UnionA+5.0 ★Texas Ratio: 4.31% Checking Plus Qualified at 5.00% APY. Checking account rates as of April 5, 2026 according to verified data from MonitorBankRates.
Monticello has 2 local institutions in our database, with checking rates as high as 0.30% APY from Ferguson Federal Credit Union at 1026 E Broad St, Monticello, MS, 39654. 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 Monticello, Mississippi. Checking Account Rates Last Updated and Verified: April 5, 2026
Compare Checking Account Rates Today in Monticello, Mississippi & the Surrounding Area
Monticello, MS 39654
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Monticello, MS 39654
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Monticello, MS 39654
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Monticello, MS 39654
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Monticello, MS 39654
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Qualifying balance up to $15000
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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
Qualifying balance up to $15000
Qualifying balance up to $20,000.00
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N/A
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Cash Back
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Qualifying balance up to $1000.00
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Monticello, MS 39654
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Monticello, MS 39654
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Monticello, MS 39654
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Qualifying balance up to $15000
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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
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Qualifying balance up to $15000
Qualifying balance up to $20,000.00
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N/A
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Cash Back
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Qualifying balance up to $1000.00
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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
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Cash Back
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
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Monticello, MS 39654
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Qualifying balance up to $1000.00
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Negative balance; Prime + 3.00%
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Account balance can earn credit each month to offset your monthly fees.
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Monticello, MS Checking Rate Trends
Compare local Monticello, 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.
Mississippi high-yield checking rates rose 1.847 points over the past 7 days to 3.514% APY.
Mississippi free checking rates rose 1.882 points over the past 7 days to 2.057% APY.
Methodology & Data Sources
Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Monticello, 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 Monticello, 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 Monticello, Mississippi earn interest?
Are banks in Monticello, Mississippi FDIC insured?
What fees should I watch out for?
What is a Rewards Checking account?
Best Checking Rates in Monticello, Mississippi
- Ferguson Federal Credit Union
Youth Checking — 0.30% APY - BankPlus
InvestmentPlus Checking — 0.05% APY - 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
