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Best Banks & Checking Accounts in Chattanooga, Tennessee - April 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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 Chattanooga, Tennessee include Tennessee Valley Federal Credit UnionTennessee Valley Federal Credit Union535 Chestnut St, Chattanooga, TN 37402A+5.0 ★Texas Ratio: 4.06% TVFCU Perks Platinum Checking at 0.50% APY, SouthEast BankSouthEast Bank605 Chestnut St, Chattanooga, TN 37450C-3.6 ★Texas Ratio: 31.66% Premium Interest Checking at 0.50% APY, Tower Community BankTower Community Bank2212 Encompass Dr, Chattanooga, TN 37421A+5.0 ★Texas Ratio: 0.47% Prime Rate Checking at 0.27% APY, TRUST Federal Credit UnionTRUST Federal Credit Union2186 Northgate Park Ln, Chattanooga, TN 37415 6911B+4.7 ★Texas Ratio: 18.28% Plus Checking at 0.10% APY, and Southeast Financial Credit UnionSoutheast Financial Credit Union512 National Ave, Chattanooga, TN 37404A5.0 ★Texas Ratio: 10.03% Interest Checking at 0.03% APY. Checking account rates as of April 27, 2026 according to verified data from MonitorBankRates.

Chattanooga has 6 local institutions in our database, with checking rates as high as 0.50% APY from Tennessee Valley Federal Credit Union at 535 Chestnut St, Chattanooga, TN, 37402. 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 Chattanooga, Tennessee. Checking Account Rates Last Updated and Verified: April 27, 2026

Compare Checking Account Rates Today in Chattanooga, Tennessee & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
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.

SouthEast Bank
Institution Rating:
C-3.6 ★ Texas Ratio: 31.66%
605 Chestnut St
Chattanooga, TN 37450
Premium Interest Checking
0.50%
$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%
2212 Encompass Dr
Chattanooga, TN 37421
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*

Tower Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
2212 Encompass Dr
Chattanooga, TN 37421
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*

SouthEast Bank
Institution Rating:
C-3.6 ★ Texas Ratio: 31.66%
605 Chestnut St
Chattanooga, TN 37450
Premium Interest Checking
0.15%
$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%
2212 Encompass Dr
Chattanooga, TN 37421
Prime Rate Checking
0.14%
$50,000
View
▼
Rate0.00%
Min Deposit$50,000
Min Balance—
UpdatedApr 17, 2026
Details

$50,000 - $99,999 range from .0675% to .1350% APY*

SouthEast Bank
Institution Rating:
C-3.6 ★ Texas Ratio: 31.66%
605 Chestnut St
Chattanooga, TN 37450
Premium Interest Checking
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 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.

Tower Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
2212 Encompass Dr
Chattanooga, TN 37421
Prime Rate Checking
0.07%
$25,000
View
▼
Rate0.00%
Min Deposit$25,000
Min Balance—
UpdatedApr 17, 2026
Details

$25,000 - $49,999 range from .010% to .0675% APY*

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
512 National Ave
Chattanooga, TN 37404
Interest Checking
0.03%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
512 National Ave
Chattanooga, TN 37404
Health Checking Account
0.03%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

CapStar Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
735 Broad Street Suite 303 and 304
Chattanooga, TN 37402
ONB Preferred Checking
0.01%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 16, 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
No Frills Checking
0.00%
$0
View
▼
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%
512 National Ave
Chattanooga, TN 37404
Rewards Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
512 National Ave
Chattanooga, TN 37404
Student Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Old Hickory Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
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%
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%
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%
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%
High-Yield Checking*
3.04%
$0
View
▼
Rate2.99%
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
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.

SouthEast Bank
Institution Rating:
C-3.6 ★ Texas Ratio: 31.66%
605 Chestnut St
Chattanooga, TN 37450
Premium Interest Checking
0.50%
$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%
605 Chestnut St
Chattanooga, TN 37450
Premium Interest Checking
0.15%
$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%
605 Chestnut St
Chattanooga, TN 37450
Premium Interest Checking
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 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.

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
512 National Ave
Chattanooga, TN 37404
Interest Checking
0.03%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Old Hickory Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
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%
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%
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%
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%
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%
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%
Opulent Checking
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Qualifying balance up to $250,000.00

Eclipse Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
Charitable Interest Checking
0.30%
$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%
Staley Platinum Checking
0.13%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

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

$100,000.00 and above

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

$50,000

Staley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.82%
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%
Peoples Plus Checking
0.05%
$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%
Staley Platinum Checking
0.05%
$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
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.

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
512 National Ave
Chattanooga, TN 37404
Rewards Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

No additional details provided.

Old Hickory Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.02%
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

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
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%
Rewards Checking*
0.00%
$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
Nucor Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
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%
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%
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%
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%
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%
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%
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%
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%
512 National Ave
Chattanooga, TN 37404
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
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%
Business Checking Account
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 19, 2026
Details

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Chattanooga, TN Checking Rate Trends

Compare local Chattanooga, TN 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 Chattanooga, 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 Chattanooga, 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 Chattanooga, Tennessee earn interest?

Most traditional local checking accounts in Chattanooga, 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 Chattanooga, Tennessee FDIC insured?

Yes. Legitimate banks with branches in Chattanooga, 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 Chattanooga, Tennessee

Based on our current data, some of the highest checking account APYs available to residents of Chattanooga, Tennessee include:
  • Tennessee Valley Federal Credit Union
    TVFCU Perks Platinum Checking — 0.50% APY
  • SouthEast Bank
    Premium Interest Checking — 0.50% APY
  • Tower Community Bank
    Prime Rate Checking — 0.27% APY
  • TRUST Federal Credit Union
    Plus Checking — 0.10% APY
  • Southeast Financial Credit Union
    Interest Checking — 0.03% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Chattanooga, Tennessee. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: April 27, 2026

Chattanooga, Tennessee Rates & Resources

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