Best Checking Accounts & Rates in Tennessee - May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
The best checking rates for Tennessee include Orion Federal Credit UnionOrion Federal Credit Union3155 Millbranch Rd, Memphis, TN 38116 1917A+5.0 ★Texas Ratio: 2.33% Premium Checking Accounts at 5.00% APY, Old Hickory Credit UnionOld Hickory Credit Union1401 W Main St, Lebanon, TN 37087A5.0 ★Texas Ratio: 9.09% Kasasa Cash Checking at 4.50% APY, UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union9525 Apison Pike, Collegedale, TN 37315B4.4 ★Texas Ratio: 17.71% HY Checking at 4.00% APY, Knoxville TVA Employees Credit UnionKnoxville TVA Employees Credit Union1316 Wilson Rd, Knoxville, TN 37912A+5.0 ★Texas Ratio: 3.25% High-Yield Checking at 3.50% APY, and Liberty Federal Credit UnionLiberty Federal Credit Union580 Franklin Rd, Franklin, TN 37069A+5.0 ★Texas Ratio: 2.06% Vertical Checking at 3.50% 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 Tennessee side-by-side. Tennessee checking rates currently reach as high as 5.00% APY from Orion Federal Credit Union at 3155 Millbranch Rd, Memphis, TN, 38116 1917. Rates are continually updated — we recommend checking back frequently.
Checking account rates reflect recent market quotes and representative offers available to depositors in Tennessee. Checking Account Rates Last Updated and Verified: May 22, 2026
Compare Checking Account Rates Today in Tennessee
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Orion Federal Credit Union
Memphis, TN 38116 1917
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
3155 Millbranch RdMemphis, TN 38116 1917
Premium Checking Accounts
5.00%
$0
▼
Rate4.96%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
No additional details provided.
Old Hickory Credit Union
Lebanon, TN 37087
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
1401 W Main StLebanon, TN 37087
Kasasa Cash Checking
4.50%
$0
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Qualifying balance up to $10,000.00
UNIFY Financial Federal Credit Union
Collegedale, TN 37315
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
9525 Apison PikeCollegedale, TN 37315
HY Checking
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
Knoxville TVA Employees Credit Union
Knoxville, TN 37912
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
1316 Wilson RdKnoxville, TN 37912
High-Yield Checking
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Qualifications Required; Qualifying balance up to $10,000.00
Liberty Federal Credit Union
Franklin, TN 37069
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
580 Franklin RdFranklin, TN 37069
Vertical Checking
3.50%
$25
▼
Rate3.45%
Min Deposit$25
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
Appalachian Community Federal Credit Union
Gray, TN 37615
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
5034 Bobby Hicks Hwy Ste 2Gray, TN 37615
Share Draft (Peak Checking)
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Qualifications Required
Ascend Federal Credit Union
Tullahoma, TN 37388
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
520 Airpark DrTullahoma, TN 37388
High-Yield Checking
3.04%
$0
▼
Rate2.99%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
No additional details provided.
TNConnect Credit Union
Seymour, TN 37865 4730
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
122 E Macon LnSeymour, TN 37865 4730
High Yield Checking
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Qualifications Required; Earns rewards.
Appalachian Community Federal Credit Union
Gray, TN 37615
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
5034 Bobby Hicks Hwy Ste 2Gray, TN 37615
Summit Business Checking Business
2.03%
$0
▼
Rate2.01%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
Eclipse Bank
Johnson City, TN 37601
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
203 Broyles DrJohnson City, TN 37601
Opulent Checking
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Qualifying balance up to $250,000.00
Liberty Federal Credit Union
Franklin, TN 37069
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
580 Franklin RdFranklin, TN 37069
Investor Checking
2.00%
$25
▼
Rate1.98%
Min Deposit$25
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
Leaders Credit Union
Jackson, TN 38305 7914
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
214 Oil Well RdJackson, TN 38305 7914
Leading Edge Business Checking Business
0.75%
$500
▼
Rate0.75%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
No additional details provided.
Appalachian Community Federal Credit Union
Gray, TN 37615
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
5034 Bobby Hicks Hwy Ste 2Gray, TN 37615
Summit Business Checking Business
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
Appalachian Community Federal Credit Union
Gray, TN 37615
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
5034 Bobby Hicks Hwy Ste 2Gray, TN 37615
Summit Business Checking Business
0.65%
$0
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
Appalachian Community Federal Credit Union
Gray, TN 37615
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
5034 Bobby Hicks Hwy Ste 2Gray, TN 37615
Summit Business Checking Business
0.55%
$0
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
Tennessee Valley Federal Credit Union
Chattanooga, TN 37402
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
535 Chestnut StChattanooga, TN 37402
TVFCU Perks Platinum Checking
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
SouthEast Bank
Spring City, TN 37381
Institution Rating:
C-3.6 ★ Texas Ratio: 31.66%
285 Front StSpring City, TN 37381
Premium Interest Checking
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
Liberty Federal Credit Union
Franklin, TN 37069
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
580 Franklin RdFranklin, TN 37069
Investor Checking
0.45%
$25
▼
Rate0.45%
Min Deposit$25
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
American Airlines Federal Credit Union
Nashville, TN 37214
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
AAFCU c o Nashville Post Office Credit UnionNashville, TN 37214
Priority Checking
0.40%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
Appalachian Community Federal Credit Union
Gray, TN 37615
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
5034 Bobby Hicks Hwy Ste 2Gray, TN 37615
Share Draft (Premier Checking)
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
Powered by
MonitorBankRates
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Orion Federal Credit Union
Memphis, TN 38116 1917
Institution Rating:
A+5.0 ★ Texas Ratio: 2.33%
3155 Millbranch RdMemphis, TN 38116 1917
Premium Checking Accounts
5.00%
$0
▼
Rate4.96%
Min Deposit$0
Min Balance—
UpdatedMay 18, 2026
Details
No additional details provided.
Old Hickory Credit Union
Lebanon, TN 37087
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
1401 W Main StLebanon, TN 37087
Kasasa Cash Checking
4.50%
$0
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Qualifying balance up to $10,000.00
UNIFY Financial Federal Credit Union
Collegedale, TN 37315
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
9525 Apison PikeCollegedale, TN 37315
HY Checking
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
Knoxville TVA Employees Credit Union
Knoxville, TN 37912
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
1316 Wilson RdKnoxville, TN 37912
High-Yield Checking
3.50%
$0
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Qualifications Required; Qualifying balance up to $10,000.00
Liberty Federal Credit Union
Franklin, TN 37069
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
580 Franklin RdFranklin, TN 37069
Vertical Checking
3.50%
$25
▼
Rate3.45%
Min Deposit$25
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
Appalachian Community Federal Credit Union
Gray, TN 37615
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
5034 Bobby Hicks Hwy Ste 2Gray, TN 37615
Share Draft (Peak Checking)
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Qualifications Required
Ascend Federal Credit Union
Tullahoma, TN 37388
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
520 Airpark DrTullahoma, TN 37388
High-Yield Checking
3.04%
$0
▼
Rate2.99%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
No additional details provided.
TNConnect Credit Union
Seymour, TN 37865 4730
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
122 E Macon LnSeymour, TN 37865 4730
High Yield Checking
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Qualifications Required; Earns rewards.
Eclipse Bank
Johnson City, TN 37601
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
203 Broyles DrJohnson City, TN 37601
Opulent Checking
2.02%
$0
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
Qualifying balance up to $250,000.00
Liberty Federal Credit Union
Franklin, TN 37069
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
580 Franklin RdFranklin, TN 37069
Investor Checking
2.00%
$25
▼
Rate1.98%
Min Deposit$25
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
SouthEast Bank
Spring City, TN 37381
Institution Rating:
C-3.6 ★ Texas Ratio: 31.66%
285 Front StSpring City, TN 37381
Premium Interest Checking
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
Tennessee Valley Federal Credit Union
Chattanooga, TN 37402
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
535 Chestnut StChattanooga, TN 37402
TVFCU Perks Platinum Checking
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
Eclipse Bank
Johnson City, TN 37601
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
203 Broyles DrJohnson City, TN 37601
Charitable Interest Checking
0.30%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
SouthEast Bank
Spring City, TN 37381
Institution Rating:
C-3.6 ★ Texas Ratio: 31.66%
285 Front StSpring City, TN 37381
Premium Interest Checking
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
Staley Credit Union
Loudon, TN 37774
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
198 Blair Bend DrLoudon, TN 37774
Staley Platinum Checking
0.13%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
No additional details provided.
SouthEast Bank
Spring City, TN 37381
Institution Rating:
C-3.6 ★ Texas Ratio: 31.66%
285 Front StSpring City, TN 37381
Premium Interest Checking
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
Redstone Federal Credit Union
Fayetteville, TN 37334
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
110 Bluff DrFayetteville, TN 37334
Endeavor Plus Checking
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
No additional details provided.
TRUST Federal Credit Union
Chattanooga, TN 37415 6911
Institution Rating:
B+4.7 ★ Texas Ratio: 17.13%
2186 Northgate Park LnChattanooga, TN 37415 6911
Plus Checking
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
Staley Credit Union
Loudon, TN 37774
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
198 Blair Bend DrLoudon, TN 37774
Staley Platinum Checking
0.08%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
No additional details provided.
Redstone Federal Credit Union
Fayetteville, TN 37334
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
110 Bluff DrFayetteville, TN 37334
Endeavor Plus Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
No additional details provided.
Powered by
MonitorBankRates
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Old Hickory Credit Union
Lebanon, TN 37087
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
1401 W Main StLebanon, TN 37087
Kasasa Cash Checking
4.50%
$0
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
Qualifying balance up to $10,000.00
Tennessee Valley Federal Credit Union
Chattanooga, TN 37402
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
535 Chestnut StChattanooga, TN 37402
TVFCU Perks Platinum Checking
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
Liberty Federal Credit Union
Franklin, TN 37069
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
580 Franklin RdFranklin, TN 37069
Platinum Rewards Checking
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
Ascend Federal Credit Union
Tullahoma, TN 37388
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
520 Airpark DrTullahoma, TN 37388
Rewards Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
No additional details provided.
Southeast Financial Credit Union
Franklin, TN 37064 5313
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
220 S Royal Oaks BlvdFranklin, TN 37064 5313
Rewards Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
No additional details provided.
Powered by
MonitorBankRates
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
FedEx Employees Credit Association Federal Credit Union
Collierville, TN 38017 8711
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
50 Fed Ex PkwyCollierville, TN 38017 8711
Basic Checking
0.03%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
Bowater Employees Credit Union
Calhoun, TN 37309
Institution Rating:
A5.0 ★ Texas Ratio: 5.74%
5123 Highway 11 SCalhoun, TN 37309
Free Interest Checking
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
No additional details provided.
Ascend Federal Credit Union
Tullahoma, TN 37388
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
520 Airpark DrTullahoma, TN 37388
Free Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
No additional details provided.
TNConnect Credit Union
Seymour, TN 37865 4730
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
122 E Macon LnSeymour, TN 37865 4730
Free Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
No monthly fees or minimum balance
UNIFY Financial Federal Credit Union
Collegedale, TN 37315
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
9525 Apison PikeCollegedale, TN 37315
FREE Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
UNIFY Financial Federal Credit Union
Collegedale, TN 37315
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
9525 Apison PikeCollegedale, TN 37315
FREE Checking Account
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
Powered by
MonitorBankRates
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Southeast Financial Credit Union
Franklin, TN 37064 5313
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
220 S Royal Oaks BlvdFranklin, TN 37064 5313
Student Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
No additional details provided.
Powered by
MonitorBankRates
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Appalachian Community Federal Credit Union
Gray, TN 37615
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
5034 Bobby Hicks Hwy Ste 2Gray, TN 37615
Summit Business Checking Business
2.03%
$0
▼
Rate2.01%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
Leaders Credit Union
Jackson, TN 38305 7914
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
214 Oil Well RdJackson, TN 38305 7914
Leading Edge Business Checking Business
0.75%
$500
▼
Rate0.75%
Min Deposit$500
Min Balance—
UpdatedMay 18, 2026
Details
No additional details provided.
Appalachian Community Federal Credit Union
Gray, TN 37615
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
5034 Bobby Hicks Hwy Ste 2Gray, TN 37615
Summit Business Checking Business
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
Appalachian Community Federal Credit Union
Gray, TN 37615
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
5034 Bobby Hicks Hwy Ste 2Gray, TN 37615
Summit Business Checking Business
0.65%
$0
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
Appalachian Community Federal Credit Union
Gray, TN 37615
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
5034 Bobby Hicks Hwy Ste 2Gray, TN 37615
Summit Business Checking Business
0.55%
$0
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
Knoxville TVA Employees Credit Union
Knoxville, TN 37912
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
1316 Wilson RdKnoxville, TN 37912
Preferred Business Checking Account Business
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
No additional details provided.
Ascend Federal Credit Union
Tullahoma, TN 37388
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
520 Airpark DrTullahoma, TN 37388
Business Basic Checking Business
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
No additional details provided.
Tennessee State Bank
Pigeon Forge, TN 37863
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
2210 ParkwayPigeon Forge, TN 37863
Commercial NOW Checking Business
0.15%
$100
▼
Rate0.15%
Min Deposit$100
Min Balance—
UpdatedMay 21, 2026
Details
No additional details provided.
Knoxville TVA Employees Credit Union
Knoxville, TN 37912
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
1316 Wilson RdKnoxville, TN 37912
Business Checking Account Business
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
No additional details provided.
American Airlines Federal Credit Union
Nashville, TN 37214
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
AAFCU c o Nashville Post Office Credit UnionNashville, TN 37214
Business Checking Business
0.15%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
Knoxville TVA Employees Credit Union
Knoxville, TN 37912
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
1316 Wilson RdKnoxville, TN 37912
Preferred Business Checking Account Business
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details
No additional details provided.
Leaders Credit Union
Jackson, TN 38305 7914
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
214 Oil Well RdJackson, TN 38305 7914
Stability Business Checking Business
0.10%
$100
▼
Rate0.10%
Min Deposit$100
Min Balance—
UpdatedMay 18, 2026
Details
No additional details provided.
Y-12 Federal Credit Union
Clinton, TN 37716 3730
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
450 N Charles G Seivers BlvdClinton, TN 37716 3730
Advantage Business Checking Business
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
($5,000 and up)
Y-12 Federal Credit Union
Clinton, TN 37716 3730
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
450 N Charles G Seivers BlvdClinton, TN 37716 3730
Premier Business Checking Business
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
($5,000 and up)
Eclipse Bank
Johnson City, TN 37601
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
203 Broyles DrJohnson City, TN 37601
Business Interest Checking Business
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
First Commerce Bank Lewisburg, TN
Shelbyville, TN 37160
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
1122 N Main StShelbyville, TN 37160
Business Interest Checking Business
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
Enrichment Federal Credit Union
OAK RIDGE, TN 37830
Institution Rating:
A+5.0 ★ Texas Ratio: 4.64%
201 S ILLINOIS AVEOAK RIDGE, TN 37830
Business Checking Business
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
No additional details provided.
Y-12 Federal Credit Union
Clinton, TN 37716 3730
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
450 N Charles G Seivers BlvdClinton, TN 37716 3730
Premier Business Checking Business
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
($0-$4,999)
Liberty Federal Credit Union
Franklin, TN 37069
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
580 Franklin RdFranklin, TN 37069
Business Dividend Checking Business
0.05%
$100
▼
Rate0.05%
Min Deposit$100
Min Balance—
UpdatedMay 17, 2026
Details
No additional details provided.
Y-12 Federal Credit Union
Clinton, TN 37716 3730
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
450 N Charles G Seivers BlvdClinton, TN 37716 3730
Advantage Business Checking Business
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details
($1,500-$4,999)
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MonitorBankRates
Tennessee Checking Rate Trends
Compare local Tennessee 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.
High-Yield Checking — TN Avg
2.596%
▲ 0.222 vs 7 days ago
Tennessee high-yield checking rates rose 0.222 points over the past 7 days to 2.596% APY.
Free Checking — TN Avg
0.780%
▲ 0.084 vs 7 days ago
Tennessee free checking rates rose 0.084 points over the past 7 days to 0.780% APY.
As of May 22, 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 Tennessee 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 Tennessee 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 Tennessee. 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 TN.
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 Tennessee earn interest?
Most traditional local checking accounts in Tennessee 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 Tennessee FDIC insured?
Yes. Legitimate banks with branches in Tennessee 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 Tennessee
Based on our current data, some of the highest checking account APYs available to residents of Tennessee include:
- Orion Federal Credit Union
Premium Checking Accounts — 5.00% APY - Old Hickory Credit Union
Kasasa Cash Checking — 4.50% APY - UNIFY Financial Federal Credit Union
HY Checking — 4.00% APY - Knoxville TVA Employees Credit Union
High-Yield Checking — 3.50% APY - Liberty Federal Credit Union
Vertical Checking — 3.50% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Tennessee. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: May 22, 2026
Checking Account Rates by City in Tennessee
Rate Assistant
MonitorBankRates.com · Live Data
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