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

The best checking rates for Pascagoula, Mississippi include 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 Union1509 Telephone Rd, Pascagoula, MS 39567A+5.0 ★Texas Ratio: 4.31% Checking Plus Qualified at 5.00% APY, Navigator Credit UnionNavigator Credit Union1201 Jackson Ave, Pascagoula, MS 39567 4353A+5.0 ★Texas Ratio: 2.50% High Yield Checking at 3.00% APY, BankPlusBankPlus1703 Old Mobile Ave, Pascagoula, MS 39567A+5.0 ★Texas Ratio: 2.28% InvestmentPlus Checking at 0.05% APY, and Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% PowerPlusTM Checking Level 2 at 8.00% APY. Checking account rates as of April 27, 2026 according to verified data from MonitorBankRates.

Pascagoula has 4 local institutions in our database, with checking rates as high as 6.00% APY from First Federal S&L Pascagoula, MS at 903 Jackson Ave, Pascagoula, MS, 39567. 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 Pascagoula, Mississippi. Checking Account Rates Last Updated and Verified: April 27, 2026

Compare Checking Account Rates Today in Pascagoula, 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%
903 Jackson Ave
Pascagoula, MS 39567
Legacy Checking
6.00%
$25
Rate5.85%
Min Deposit$25
Min Balance
UpdatedApr 17, 2026
Details

No additional details provided.

First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
903 Jackson Ave
Pascagoula, MS 39567
First4Me Checking
5.00%
$25
Rate4.89%
Min Deposit$25
Min Balance
UpdatedApr 17, 2026
Details

No additional details provided.

Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
1509 Telephone Rd
Pascagoula, MS 39567
Checking Plus Qualified
5.00%
$25
Rate4.89%
Min Deposit$25
Min Balance
UpdatedApr 18, 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%
1201 Jackson Ave
Pascagoula, MS 39567 4353
High Yield Checking
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

No additional details provided.

BankPlus
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
1703 Old Mobile Ave
Pascagoula, MS 39567
InvestmentPlus Checking
0.05%
$10,000
Rate0.00%
Min Deposit$10,000
Min Balance
UpdatedApr 22, 2026
Details

No additional details provided.

BankPlus
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
1703 Old Mobile Ave
Pascagoula, MS 39567
PrimePlus Checking
0.05%
$500
Rate0.00%
Min Deposit$500
Min Balance
UpdatedApr 22, 2026
Details

No additional details provided.

BankPlus
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
1703 Old Mobile Ave
Pascagoula, MS 39567
ValuePlus Interest Checking
0.05%
$1,500
Rate0.00%
Min Deposit$1,500
Min Balance
UpdatedApr 22, 2026
Details

No additional details provided.

Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
1509 Telephone Rd
Pascagoula, MS 39567
Checking Plus Non-Qualified
0.05%
$25
Rate0.05%
Min Deposit$25
Min Balance
UpdatedApr 18, 2026
Details

No additional details provided.

Navigator Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
1201 Jackson Ave
Pascagoula, MS 39567 4353
High Yield Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 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
UpdatedApr 19, 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
UpdatedApr 18, 2026
Details

No additional details provided.

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
UpdatedApr 19, 2026
Details

Qualifying balance up to $15000

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
UpdatedApr 24, 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
UpdatedApr 24, 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
UpdatedApr 17, 2026
Details

No additional details provided.

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 18, 2026
Details

No additional details provided.

Eagle Express Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
Share Draft/Checking Account
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedApr 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
UpdatedApr 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
UpdatedApr 17, 2026
Details

No additional details provided.

1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.44%
1st Advantage Checking
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 27, 2026
Details

No additional details provided.

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%
903 Jackson Ave
Pascagoula, MS 39567
Legacy Checking
6.00%
$25
Rate5.85%
Min Deposit$25
Min Balance
UpdatedApr 17, 2026
Details

No additional details provided.

First Federal S&L Pascagoula, MS
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
903 Jackson Ave
Pascagoula, MS 39567
First4Me Checking
5.00%
$25
Rate4.89%
Min Deposit$25
Min Balance
UpdatedApr 17, 2026
Details

No additional details provided.

Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
1509 Telephone Rd
Pascagoula, MS 39567
Checking Plus Qualified
5.00%
$25
Rate4.89%
Min Deposit$25
Min Balance
UpdatedApr 18, 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%
1201 Jackson Ave
Pascagoula, MS 39567 4353
High Yield Checking
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

No additional details provided.

BankPlus
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
1703 Old Mobile Ave
Pascagoula, MS 39567
PrimePlus Checking
0.05%
$500
Rate0.00%
Min Deposit$500
Min Balance
UpdatedApr 22, 2026
Details

No additional details provided.

BankPlus
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
1703 Old Mobile Ave
Pascagoula, MS 39567
ValuePlus Interest Checking
0.05%
$1,500
Rate0.00%
Min Deposit$1,500
Min Balance
UpdatedApr 22, 2026
Details

No additional details provided.

BankPlus
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
1703 Old Mobile Ave
Pascagoula, MS 39567
InvestmentPlus Checking
0.05%
$10,000
Rate0.00%
Min Deposit$10,000
Min Balance
UpdatedApr 22, 2026
Details

No additional details provided.

Keesler Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.31%
1509 Telephone Rd
Pascagoula, MS 39567
Checking Plus Non-Qualified
0.05%
$25
Rate0.05%
Min Deposit$25
Min Balance
UpdatedApr 18, 2026
Details

No additional details provided.

Navigator Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
1201 Jackson Ave
Pascagoula, MS 39567 4353
High Yield Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 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
UpdatedApr 19, 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
UpdatedApr 19, 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
UpdatedApr 18, 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
UpdatedApr 24, 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
UpdatedApr 24, 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
UpdatedApr 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
UpdatedApr 17, 2026
Details

No additional details provided.

1st Mississippi Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.44%
1st Advantage Checking
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 27, 2026
Details

No additional details provided.

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.12%
Interest Checking
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

No additional details provided.

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Interest Checking
0.03%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
Rewards Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 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 Account
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 18, 2026
Details

No additional details provided.

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
UpdatedApr 18, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
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 18, 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
UpdatedApr 19, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
4501 Denny Ave
Pascagoula, MS 39581
Business Premium Checking
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

No additional details provided.

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
4501 Denny Ave
Pascagoula, MS 39581
Business Premium Checking
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedApr 19, 2026
Details

No additional details provided.

All In Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
4501 Denny Ave
Pascagoula, MS 39581
Business Premium Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedApr 19, 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
UpdatedApr 19, 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
UpdatedApr 18, 2026
Details

$100 minimum opening deposit

Pascagoula, MS Checking Rate Trends

Compare local Pascagoula, 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
4.510%
Unchanged vs 7 days ago

Mississippi high-yield checking rates currently average 4.510% APY.

Free Checking — MS Avg
2.174%
▲ 0.273 vs 7 days ago

Mississippi free checking rates rose 0.273 points over the past 7 days to 2.174% APY.

As of Apr 28, 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 Pascagoula, 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 Pascagoula, 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 Pascagoula, Mississippi earn interest?

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

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

Based on our current data, some of the highest checking account APYs available to residents of Pascagoula, 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
  • BankPlus
    InvestmentPlus Checking — 0.05% APY
  • Baxter Credit Union
    PowerPlusTM Checking Level 2 — 8.00% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Pascagoula, Mississippi. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: April 27, 2026