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Best Checking Accounts & Rates in Tennessee - April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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| i Editorial Disclosure
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.
| ✓Fact Checked | Checking Account Rates — Last Updated and Verified: April 27, 2026

The best checking rates for Tennessee include Old Hickory Credit UnionOld Hickory Credit Union1401 W Main St, Lebanon, TN 37087A5.0 ★Texas Ratio: 10.02% Kasasa Cash Checking at 4.50% APY, UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union9525 Apison Pike, Collegedale, TN 37315B4.4 ★Texas Ratio: 21.76% HY Checking at 4.00% APY, Y-12 Federal Credit UnionY-12 Federal Credit Union450 N Charles G Seivers Blvd, Clinton, TN 37716 3730A+5.0 ★Texas Ratio: 3.14% High Yield Checking at 3.50% APY, Appalachian Community Federal Credit UnionAppalachian Community Federal Credit Union5034 Bobby Hicks Hwy Ste 2, Gray, TN 37615A+5.0 ★Texas Ratio: 1.21% Share Draft (Peak Checking) at 3.25% APY, and Ascend Federal Credit UnionAscend Federal Credit Union520 Airpark Dr, Tullahoma, TN 37388A+5.0 ★Texas Ratio: 2.48% High-Yield Checking* at 3.04% APY. Checking account rates as of April 27, 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 4.50% APY from Old Hickory Credit Union at 1401 W Main St, Lebanon, TN, 37087. 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: April 27, 2026

Compare Checking Account Rates Today in Tennessee

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Old Hickory Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
1401 W Main St
Lebanon, TN 37087
Kasasa Cash Checking
4.50%
$0
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $10,000.00

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
9525 Apison Pike
Collegedale, TN 37315
HY Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
450 N Charles G Seivers Blvd
Clinton, TN 37716 3730
High Yield Checking
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

$0 - $15,000; Dividend Calculated Daily; Frequency of Compounding Daily

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2
Gray, TN 37615
Share Draft (Peak Checking)
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details

based on qualifying criteria**

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
520 Airpark Dr
Tullahoma, TN 37388
High-Yield Checking*
3.04%
$0
View
▼
Rate2.99%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

No additional details provided.

TNConnect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
122 E Macon Ln
Seymour, TN 37865 4730
High Yield Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifications Required

Eclipse Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
203 Broyles Dr
Johnson City, TN 37601
Opulent Checking
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Qualifying balance up to $250,000.00

US Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
89 Hermitage Ave
Nashville, TN 37210
Six Star Checking Acct
0.75%
$50
View
▼
Rate0.00%
Min Deposit$50
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

SouthEast Bank
Institution Rating:
C-3.6 ★ Texas Ratio: 31.66%
285 Front St
Spring City, TN 37381
Premium Interest Checking
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
535 Chestnut St
Chattanooga, TN 37402
TVFCU Perks Platinum Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
AAFCU c o Nashville Post Office Credit Union
Nashville, TN 37214
Priority Checking
0.40%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details

No additional details provided.

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2
Gray, TN 37615
Share Draft (Premier Checking)
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details

No additional details provided.

Eclipse Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
203 Broyles Dr
Johnson City, TN 37601
Charitable Interest Checking
0.30%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Tower Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
315 S Cedar Ave
South Pittsburg, TN 37380
Prime Rate Checking
0.27%
$500,000
View
▼
Rate0.00%
Min Deposit$500,000
Min Balance—
UpdatedApr 17, 2026
Details

$500,000 - $999,999 range from .2025% to .2700% APY*

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
AAFCU c o Nashville Post Office Credit Union
Nashville, TN 37214
Flagship Checking
0.25%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details

No additional details provided.

Tower Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
315 S Cedar Ave
South Pittsburg, TN 37380
Prime Rate Checking
0.20%
$100,000
View
▼
Rate0.00%
Min Deposit$100,000
Min Balance—
UpdatedApr 17, 2026
Details

$100,000 - $499,999 range from .1350% to .2025% APY*

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
520 Airpark Dr
Tullahoma, TN 37388
Preferred Checking**
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

No additional details provided.

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
520 Airpark Dr
Tullahoma, TN 37388
Preferred Checking*
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

No additional details provided.

Kemba Delta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.54%
3108 N Germantown Rd
Bartlett, TN 38133
Share Draft (Checking)
0.20%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details

Rates may change after account is opened. A minimum balance of $2500.00 must be maintained to earn the annual percentage yield. Fees and other conditions could reduce the earnings.

Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
201 S ILLINOIS AVE
OAK RIDGE, TN 37830
eSpend Checking (tier 3)
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Old Hickory Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
1401 W Main St
Lebanon, TN 37087
Kasasa Cash Checking
4.50%
$0
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $10,000.00

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
9525 Apison Pike
Collegedale, TN 37315
HY Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
450 N Charles G Seivers Blvd
Clinton, TN 37716 3730
High Yield Checking
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

$0 - $15,000; Dividend Calculated Daily; Frequency of Compounding Daily

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2
Gray, TN 37615
Share Draft (Peak Checking)
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details

based on qualifying criteria**

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
520 Airpark Dr
Tullahoma, TN 37388
High-Yield Checking*
3.04%
$0
View
▼
Rate2.99%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

No additional details provided.

TNConnect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
122 E Macon Ln
Seymour, TN 37865 4730
High Yield Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifications Required

Eclipse Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
203 Broyles Dr
Johnson City, TN 37601
Opulent Checking
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Qualifying balance up to $250,000.00

SouthEast Bank
Institution Rating:
C-3.6 ★ Texas Ratio: 31.66%
285 Front St
Spring City, TN 37381
Premium Interest Checking
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
535 Chestnut St
Chattanooga, TN 37402
TVFCU Perks Platinum Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Eclipse Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
203 Broyles Dr
Johnson City, TN 37601
Charitable Interest Checking
0.30%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

SouthEast Bank
Institution Rating:
C-3.6 ★ Texas Ratio: 31.66%
285 Front St
Spring City, TN 37381
Premium Interest Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Staley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
198 Blair Bend Dr
Loudon, TN 37774
Staley Platinum Checking
0.13%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.28%
2186 Northgate Park Ln
Chattanooga, TN 37415 6911
Plus Checking
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
110 Bluff Dr
Fayetteville, TN 37334
Endeavor Plus Checking to $99,999.99
0.10%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

$50,000

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
110 Bluff Dr
Fayetteville, TN 37334
Endeavor Plus Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

$100,000.00 and above

SouthEast Bank
Institution Rating:
C-3.6 ★ Texas Ratio: 31.66%
285 Front St
Spring City, TN 37381
Premium Interest Checking
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Staley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
198 Blair Bend Dr
Loudon, TN 37774
Staley Platinum Checking
0.08%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

New Peoples Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
1999 E Stone Dr
Kingsport, TN 37660
Peoples Plus Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
110 Bluff Dr
Fayetteville, TN 37334
Endeavor Plus Checking to $4,999.99
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

$2,000

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
110 Bluff Dr
Fayetteville, TN 37334
Endeavor Plus Checking to $49,999.99
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

$10,000

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Old Hickory Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
1401 W Main St
Lebanon, TN 37087
Kasasa Cash Checking
4.50%
$0
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

Qualifying balance up to $10,000.00

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
535 Chestnut St
Chattanooga, TN 37402
TVFCU Perks Platinum Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
520 Airpark Dr
Tullahoma, TN 37388
Rewards Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

No additional details provided.

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
520 Airpark Dr
Tullahoma, TN 37388
Rewards Checking*
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

No additional details provided.

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd
Franklin, TN 37064 5313
Rewards Checking
0.00%
$0
View
▼
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
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
3601 Paul R Lowry Rd
Memphis, TN 38109 3007
Everyday Shares Share Draft (Checking)
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
50 Fed Ex Pkwy
Collierville, TN 38017 8711
Basic Checking
0.03%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details

No additional details provided.

Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
5123 Highway 11 S
Calhoun, TN 37309
Free Interest Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
520 Airpark Dr
Tullahoma, TN 37388
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

No additional details provided.

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
520 Airpark Dr
Tullahoma, TN 37388
Free Checking*
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

No additional details provided.

TNConnect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
122 E Macon Ln
Seymour, TN 37865 4730
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No monthly fees or minimum balance

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
9525 Apison Pike
Collegedale, TN 37315
FREE Checking Account
0.00%
$0
View
▼
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%
9525 Apison Pike
Collegedale, TN 37315
FREE Checking
0.00%
$0
View
▼
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
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd
Franklin, TN 37064 5313
Student Checking
0.00%
$0
View
▼
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
Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2
Gray, TN 37615
Summit Business Checking
2.03%
$0
View
▼
Rate2.01%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details

No additional details provided.

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2
Gray, TN 37615
Summit Business Checking
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details

No additional details provided.

Leaders Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.94%
214 Oil Well Rd
Jackson, TN 38305 7914
Leading Edge Business Checking
0.75%
$500
View
▼
Rate0.75%
Min Deposit$500
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2
Gray, TN 37615
Summit Business Checking
0.65%
$0
View
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details

No additional details provided.

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2
Gray, TN 37615
Summit Business Checking
0.55%
$0
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details

No additional details provided.

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1316 Wilson Rd
Knoxville, TN 37912
Preferred Business Checking Account
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
520 Airpark Dr
Tullahoma, TN 37388
Business Basic Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

No additional details provided.

Tennessee State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
2210 Parkway
Pigeon Forge, TN 37863
Commercial NOW Checking
0.15%
$100
View
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedApr 22, 2026
Details

Balance below $2,500

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
AAFCU c o Nashville Post Office Credit Union
Nashville, TN 37214
Business Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 27, 2026
Details

No additional details provided.

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1316 Wilson Rd
Knoxville, TN 37912
Business Checking Account
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Eclipse Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
203 Broyles Dr
Johnson City, TN 37601
Business Interest Checking
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
450 N Charles G Seivers Blvd
Clinton, TN 37716 3730
Advantage Business Checking and up)
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

$5,000; Subject to Change Monthly

Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
450 N Charles G Seivers Blvd
Clinton, TN 37716 3730
Premier Business Checking and up)
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

$5,000; Subject to Change Monthly

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1316 Wilson Rd
Knoxville, TN 37912
Preferred Business Checking Account
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Leaders Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.94%
214 Oil Well Rd
Jackson, TN 38305 7914
Stability Business Checking
0.10%
$100
View
▼
Rate0.10%
Min Deposit$100
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
1122 N Main St
Shelbyville, TN 37160
Business Interest Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

No additional details provided.

Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
450 N Charles G Seivers Blvd
Clinton, TN 37716 3730
Premier Business Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

$0-$4,999; Subject to Change Monthly

Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.14%
450 N Charles G Seivers Blvd
Clinton, TN 37716 3730
Advantage Business Checking
0.03%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

$1,500-$4,999; Subject to Change Monthly

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
520 Airpark Dr
Tullahoma, TN 37388
Business Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

No additional details provided.

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1316 Wilson Rd
Knoxville, TN 37912
Business Checking Account
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

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.

View Full Tennessee Checking Trends →
High-Yield Checking — TN Avg
1.834%
▼ 0.008 vs 7 days ago

Tennessee high-yield checking rates fell 0.008 points over the past 7 days to 1.834% APY.

Free Checking — TN Avg
0.932%
Unchanged vs 7 days ago

Tennessee free checking rates currently average 0.932% APY.

As of Apr 30, 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 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 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 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:
  • Old Hickory Credit Union
    Kasasa Cash Checking — 4.50% APY
  • UNIFY Financial Federal Credit Union
    HY Checking — 4.00% APY
  • Y-12 Federal Credit Union
    High Yield Checking — 3.50% APY
  • Appalachian Community Federal Credit Union
    Share Draft (Peak Checking) — 3.25% APY
  • Ascend Federal Credit Union
    High-Yield Checking* — 3.04% 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: April 27, 2026

Tennessee Rates & Resources

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Checking Account Rates by City in Tennessee

  • Adams
  • Adamsville
  • Afton
  • Alamo
  • Alcoa
  • Alexandria
  • Allardt
  • Allons
  • Allred
  • Alpine
  • Altamont
  • Andersonville
  • Antioch
  • Apison
  • Ardmore
  • Arlington
  • Arrington
  • Arthur
  • Ashland City
  • Athens
  • Atoka
  • Atwood
  • Auburntown
  • Bakewell
  • Bath Springs
  • Baxter
  • Bean Station
  • Beech Bluff
  • Beechgrove
  • Beersheba Springs
  • Belfast
  • Bell Buckle
  • Bells
  • Belvidere
  • Benton
  • Bethel Springs
  • Bethpage
  • Big Rock
  • Big Sandy
  • Birchwood
  • Blaine
  • Bloomington Springs
  • Blountville
  • Bluff City
  • Bogota
  • Bolivar
  • Bon Aqua
  • Braden
  • Bradford
  • Bradyville
  • Brentwood
  • Briceville
  • Brighton
  • Bristol
  • Brownsville
  • Bruceton
  • Brunswick
  • Brush Creek
  • Buchanan
  • Buena Vista
  • Buffalo Valley
  • Bulls Gap
  • Bumpus Mills
  • Burlison
  • Burns
  • Butler
  • Bybee
  • Byrdstown
  • Calhoun
  • Camden
  • Campaign
  • Carthage
  • Caryville
  • Castalian Springs
  • Cedar Grove
  • Cedar Hill
  • Celina
  • Centerville
  • Chapel Hill
  • Chapmansboro
  • Charleston
  • Charlotte
  • Chattanooga
  • Chestnut Mound
  • Chewalla
  • Christiana
  • Chuckey
  • Church Hill
  • Clairfield
  • Clarkrange
  • Clarksburg
  • Clarksville
  • Cleveland
  • Clifton
  • Clinton
  • Coalfield
  • Coalmont
  • Cokercreek
  • College Grove
  • Collegedale
  • Collierville
  • Collinwood
  • Columbia
  • Como
  • Conasauga
  • Cookeville
  • Copperhill
  • Cordova
  • Cornersville
  • Corryton
  • Cosby
  • Cottage Grove
  • Cottontown
  • Counce
  • Covington
  • Cowan
  • Crab Orchard
  • Crawford
  • Crockett Mills
  • Cross Plains
  • Crossville
  • Crump
  • Culleoka
  • Cumberland City
  • Cumberland Furnace
  • Cumberland Gap
  • Cunningham
  • Cypress Inn
  • Dandridge
  • Darden
  • Dayton
  • Decatur
  • Decaturville
  • Decherd
  • Deer Lodge
  • Del Rio
  • Delano
  • Dellrose
  • Denmark
  • Dickson
  • Dixon Springs
  • Dover
  • Dowelltown
  • Doyle
  • Dresden
  • Drummonds
  • Duck River
  • Ducktown
  • Duff
  • Dukedom
  • Dunlap
  • Dyer
  • Dyersburg
  • Eads
  • Eagan
  • Eagleville
  • Eaton
  • Eidson
  • Elgin
  • Elizabethton
  • Elkton
  • Ellendale
  • Elmwood
  • Elora
  • Englewood
  • Enville
  • Erin
  • Erwin
  • Estill Springs
  • Ethridge
  • Etowah
  • Eva
  • Evensville
  • Fairview
  • Fall Branch
  • Farner
  • Fayetteville
  • Finger
  • Finley
  • Five Points
  • Flag Pond
  • Flintville
  • Fosterville
  • Frankewing
  • Franklin
  • Friendship
  • Friendsville
  • Fruitvale
  • Gadsden
  • Gainesboro
  • Gallatin
  • Gallaway
  • Gates
  • Gatlinburg
  • Georgetown
  • Germantown
  • Gibson
  • Gladeville
  • Gleason
  • Goodlettsville
  • Goodspring
  • Gordonsville
  • Grand Junction
  • Grandview
  • Granville
  • Graysville
  • Greenback
  • Greenbrier
  • Greeneville
  • Greenfield
  • Grimsley
  • Gruetli Laager
  • Guild
  • Guys
  • Halls
  • Hampshire
  • Hampton
  • Harriman
  • Harrison
  • Harrogate
  • Hartford
  • Hartsville
  • Heiskell
  • Helenwood
  • Henderson
  • Hendersonville
  • Henry
  • Hermitage
  • Hickman
  • Hickory Valley
  • Hickory Withe
  • Hilham
  • Hillsboro
  • Hixson
  • Hohenwald
  • Holladay
  • Hollow Rock
  • Hornbeak
  • Hornsby
  • Humboldt
  • Huntingdon
  • Huntland
  • Huntsville
  • Huron
  • Hurricane Mills
  • Idlewild
  • Indian Mound
  • Iron City
  • Jacks Creek
  • Jacksboro
  • Jackson
  • Jamestown
  • Jasper
  • Jefferson City
  • Jellico
  • Joelton
  • Johnson City
  • Jonesborough
  • Kelso
  • Kenton
  • Kingsport
  • Kingston
  • Kingston Springs
  • Knoxville
  • Kodak
  • Kyles Ford
  • La Follette
  • La Grange
  • La Vergne
  • Laconia
  • Lafayette
  • Lake City
  • Lancaster
  • Lancing
  • Lascassas
  • Laurel Bloomery
  • Lavinia
  • Lawrenceburg
  • Lebanon
  • Lenoir City
  • Lenox
  • Leoma
  • Lewisburg
  • Lexington
  • Liberty
  • Limestone
  • Linden
  • Livingston
  • Lobelville
  • Lone Mountain
  • Lookout Mountain
  • Loretto
  • Loudon
  • Louisville
  • Lowland
  • Lupton City
  • Luray
  • Luttrell
  • Lutts
  • Lyles
  • Lynchburg
  • Lynnville
  • Macon
  • Madison
  • Madisonville
  • Manchester
  • Mansfield
  • Martin
  • Maryville
  • Mascot
  • Mason
  • Maury City
  • Maynardville
  • McDonald
  • McEwen
  • McKenzie
  • McLemoresville
  • McMinnville
  • Medina
  • Medon
  • Memphis
  • Mercer
  • Michie
  • Middleton
  • Midway
  • Milan
  • Milledgeville
  • Milligan College
  • Millington
  • Milton
  • Minor Hill
  • Miston
  • Mitchellville
  • Mohawk
  • Monroe
  • Monteagle
  • Monterey
  • Mooresburg
  • Morris Chapel
  • Morrison
  • Morristown
  • Moscow
  • Mosheim
  • Moss
  • Mount Carmel
  • Mount Juliet
  • Mount Pleasant
  • Mountain City
  • Mountain Home
  • Mulberry
  • Munford
  • Murfreesboro
  • Nashville
  • New Johnsonville
  • New Market
  • New Tazewell
  • Newbern
  • Newcomb
  • Newport
  • Niota
  • Nolensville
  • Norene
  • Normandy
  • Norris
  • Nunnelly
  • Oak Ridge
  • Oakdale
  • Oakfield
  • Oakland
  • Obion
  • Ocoee
  • Old Hickory
  • Oldfort
  • Olivehill
  • Oliver Springs
  • Oneida
  • Only
  • Ooltewah
  • Orlinda
  • Ozone
  • Pall Mall
  • Palmer
  • Palmersville
  • Palmyra
  • Paris
  • Parrottsville
  • Parsons
  • Pegram
  • Pelham
  • Petersburg
  • Petros
  • Philadelphia
  • Pickwick Dam
  • Pigeon Forge
  • Pikeville
  • Piney Flats
  • Pinson
  • Pioneer
  • Pleasant Hill
  • Pleasant Shade
  • Pleasant View
  • Pleasantville
  • Pocahontas
  • Portland
  • Powder Springs
  • Powell
  • Powells Crossroads
  • Primm Springs
  • Prospect
  • Pruden
  • Pulaski
  • Puryear
  • Quebeck
  • Ramer
  • Readyville
  • Reagan
  • Red Boiling Springs
  • Reliance
  • Riceville
  • Rickman
  • Riddleton
  • Ridgely
  • Ridgetop
  • Rives
  • Roan Mountain
  • Robbins
  • Rock Island
  • Rockford
  • Rockvale
  • Rockwood
  • Rogersville
  • Rossville
  • Rugby
  • Russellville
  • Rutherford
  • Rutledge
  • Saint Andrews
  • Saint Bethlehem
  • Saint Joseph
  • Sale Creek
  • Saltillo
  • Samburg
  • Santa Fe
  • Sardis
  • Saulsbury
  • Savannah
  • Scotts Hill
  • Selmer
  • Sequatchie
  • Sevierville
  • Sewanee
  • Seymour
  • Shady Valley
  • Sharon
  • Sharps Chapel
  • Shawanee
  • Shelbyville
  • Sherwood
  • Shiloh
  • Signal Mountain
  • Silerton
  • Silver Point
  • Slayden
  • Smartt
  • Smithville
  • Smyrna
  • Sneedville
  • Soddy Daisy
  • Somerville
  • South Fulton
  • South Pittsburg
  • Southside
  • Sparta
  • Speedwell
  • Spencer
  • Spring City
  • Spring Creek
  • Spring Hill
  • Springfield
  • Springville
  • Stanton
  • Stantonville
  • Stewart
  • Strawberry Plains
  • Sugar Tree
  • Summertown
  • Summitville
  • Sunbright
  • Surgoinsville
  • Sweetwater
  • Taft
  • Talbott
  • Tallassee
  • Tazewell
  • Telford
  • Tellico Plains
  • Ten Mile
  • Tennessee Ridge
  • Thompsons Station
  • Thorn Hill
  • Tigrett
  • Tipton
  • Toone
  • Townsend
  • Tracy City
  • Trade
  • Trenton
  • Trezevant
  • Trimble
  • Troy
  • Tullahoma
  • Turtletown
  • Unicoi
  • Union City
  • Unionville
  • Vanleer
  • Viola
  • Vonore
  • Walland
  • Walling
  • Wartburg
  • Wartrace
  • Washburn
  • Watauga
  • Watertown
  • Watts Bar Dam
  • Waverly
  • Waynesboro
  • Westmoreland
  • Westpoint
  • Westport
  • White Bluff
  • White House
  • White Pine
  • Whites Creek
  • Whitesburg
  • Whiteside
  • Whiteville
  • Whitleyville
  • Whitwell
  • Wilder
  • Wildersville
  • Williamsport
  • Williston
  • Winchester
  • Winfield
  • Winona
  • Woodbury
  • Woodland Mills
  • Woodlawn
  • Wynnburg
  • Yorkville
  • Yuma