Best Checking Accounts & Rates in Tennessee - June 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best checking rates for Tennessee include 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, Y-12 Federal Credit UnionY-12 Federal Credit Union450 N Charles G Seivers Blvd, Clinton, TN 37716 3730A+5.0 ★Texas Ratio: 2.88% 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: 1.13% 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: 2.38% High-Yield Checking at 3.04% APY. Checking account rates as of June 9, 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: June 9, 2026
Compare Checking Account Rates Today in Tennessee
Tennessee Checking Account Rates
Lebanon, TN 37087
Qualifying balance up to $10,000.00
Collegedale, TN 37315
No additional details provided.
Clinton, TN 37716 3730
No additional details provided.
Gray, TN 37615
based on qualifying criteria**
Tullahoma, TN 37388
No additional details provided.
Seymour, TN 37865 4730
Qualifications Required; Earns rewards.
Gray, TN 37615
No additional details provided.
Jackson, TN 38305 7914
No additional details provided.
Gray, TN 37615
No additional details provided.
Gray, TN 37615
No additional details provided.
Gray, TN 37615
No additional details provided.
Nashville, TN 37214
No additional details provided.
Gray, TN 37615
No additional details provided.
Nashville, TN 37214
No additional details provided.
Bartlett, TN 38133
A minimum balance of $2500.00 must be maintained to earn the annual percentage yield. Fees and other conditions could reduce the earnings.
Tullahoma, TN 37388
No additional details provided.
Tullahoma, TN 37388
No additional details provided.
Tullahoma, TN 37388
No additional details provided.
Nashville, TN 37214
No additional details provided.
OAK RIDGE, TN 37830
No additional details provided.
Tennessee High Yield Checking Rates
Lebanon, TN 37087
Qualifying balance up to $10,000.00
Collegedale, TN 37315
No additional details provided.
Clinton, TN 37716 3730
No additional details provided.
Gray, TN 37615
based on qualifying criteria**
Tullahoma, TN 37388
No additional details provided.
Seymour, TN 37865 4730
Qualifications Required; Earns rewards.
Loudon, TN 37774
No additional details provided.
Chattanooga, TN 37415 6911
No additional details provided.
Fayetteville, TN 37334
No additional details provided.
Loudon, TN 37774
No additional details provided.
Clinton, TN 37716 3730
No additional details provided.
Fayetteville, TN 37334
No additional details provided.
Loudon, TN 37774
No additional details provided.
Seymour, TN 37865 4730
Earns rewards. $3 monthly fee if average daily balance falls below $300
Franklin, TN 37064 5313
No additional details provided.
Calhoun, TN 37309
No additional details provided.
Calhoun, TN 37309
No additional details provided.
Calhoun, TN 37309
No additional details provided.
Loudon, TN 37774
No additional details provided.
Tennessee Rewards Checking Rates
Lebanon, TN 37087
Qualifying balance up to $10,000.00
Tullahoma, TN 37388
No additional details provided.
Franklin, TN 37064 5313
No additional details provided.
Tennessee Free Checking Rates
Collierville, TN 38017 8711
No additional details provided.
Calhoun, TN 37309
No additional details provided.
Tullahoma, TN 37388
No additional details provided.
Collegedale, TN 37315
No additional details provided.
Collegedale, TN 37315
No additional details provided.
Seymour, TN 37865 4730
No monthly fees or minimum balance
Tennessee Student Checking Rates
Franklin, TN 37064 5313
No additional details provided.
Tennessee Business Checking Rates
Gray, TN 37615
No additional details provided.
Gray, TN 37615
No additional details provided.
Jackson, TN 38305 7914
No additional details provided.
Gray, TN 37615
No additional details provided.
Gray, TN 37615
No additional details provided.
Tullahoma, TN 37388
No additional details provided.
Pigeon Forge, TN 37863
No additional details provided.
Nashville, TN 37214
No additional details provided.
Clinton, TN 37716 3730
Subject to Change Monthly
Clinton, TN 37716 3730
Subject to Change Monthly
Jackson, TN 38305 7914
No additional details provided.
OAK RIDGE, TN 37830
No additional details provided.
Clinton, TN 37716 3730
Subject to Change Monthly
Clinton, TN 37716 3730
Subject to Change Monthly
Tullahoma, TN 37388
No additional details provided.
Memphis, TN 38134 3169
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.
Tennessee high-yield checking rates fell 0.023 points over the past 7 days to 2.317% APY.
Tennessee free checking rates fell 0.064 points over the past 7 days to 0.670% APY.
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?
Are banks in Tennessee FDIC insured?
What fees should I watch out for?
What is a Rewards Checking account?
Best Checking Rates in Tennessee
- 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 by City in Tennessee
