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Best Banks & Checking Accounts in Knoxville, Tennessee - May 2026

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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: May 23, 2026

The best checking rates for Knoxville, Tennessee include 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, TNConnect Credit UnionTNConnect Credit Union6211 Middlebrook Pike, Knoxville, TN 37909A+5.0 ★Texas Ratio: 5.41% High Yield Checking at 3.00% APY, SouthEast BankSouthEast Bank412 N Peters Rd, Knoxville, TN 37922C-3.6 ★Texas Ratio: 31.66% Premium Interest Checking at 0.50% APY, Tennessee State BankTennessee State Bank3314 Chapman Hwy, Knoxville, TN 37920A+5.0 ★Texas Ratio: 0.56% The Best Years Checking at 0.10% APY, and Enrichment Federal Credit UnionEnrichment Federal Credit Union5201 SCHUBERT RD, KNOXVILLE, TN 37912A+5.0 ★Texas Ratio: 4.64% eSpend Checking at 0.15% APY. Checking account rates as of May 23, 2026 according to verified data from MonitorBankRates.

Knoxville has 10 local institutions in our database, with checking rates as high as 3.50% APY from Knoxville TVA Employees Credit Union at 1316 Wilson Rd, Knoxville, TN, 37912. 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 Knoxville, Tennessee. Checking Account Rates Last Updated and Verified: May 23, 2026

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

Institutions:
Jump to: All Accounts · High Yield · Rewards · Free Checking · Student · Business

Knoxville Checking Account Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
1316 Wilson Rd
Knoxville, TN 37912
High-Yield Checking
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

TNConnect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
6211 Middlebrook Pike
Knoxville, TN 37909
High Yield Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Qualifications Required; Earns rewards.

SouthEast Bank
Institution Rating:
C-3.6 ★ Texas Ratio: 31.66%
412 N Peters Rd
Knoxville, TN 37922
Premium Interest Checking
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

No additional details provided.

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
1316 Wilson Rd
Knoxville, TN 37912
Preferred Business Checking Account Business
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Tennessee State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
3314 Chapman Hwy
Knoxville, TN 37920
Commercial NOW Checking Business
0.15%
$100
View
▼
Rate0.15%
Min Deposit$100
Min Balance—
UpdatedMay 21, 2026
Details

No additional details provided.

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
1316 Wilson Rd
Knoxville, TN 37912
Senior Member Checking Account
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
1316 Wilson Rd
Knoxville, TN 37912
Business Checking Account Business
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.64%
5201 SCHUBERT RD
KNOXVILLE, TN 37912
eSpend Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

No additional details provided.

SouthEast Bank
Institution Rating:
C-3.6 ★ Texas Ratio: 31.66%
412 N Peters Rd
Knoxville, TN 37922
Premium Interest Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

No additional details provided.

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
1316 Wilson Rd
Knoxville, TN 37912
Preferred Business Checking Account Business
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.64%
5201 SCHUBERT RD
KNOXVILLE, TN 37912
eSpend Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

No additional details provided.

Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
6640 Clinton Hwy
Knoxville, TN 37912 1016
Premier Business Checking Business
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

($5,000 and up)

Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
6640 Clinton Hwy
Knoxville, TN 37912 1016
Advantage Business Checking Business
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

($5,000 and up)

SouthEast Bank
Institution Rating:
C-3.6 ★ Texas Ratio: 31.66%
412 N Peters Rd
Knoxville, TN 37922
Premium Interest Checking
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

No additional details provided.

Tennessee State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
3314 Chapman Hwy
Knoxville, TN 37920
The Best Years Checking
0.10%
$25
View
▼
Rate0.10%
Min Deposit$25
Min Balance—
UpdatedMay 21, 2026
Details

No additional details provided.

TNConnect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
6211 Middlebrook Pike
Knoxville, TN 37909
Interest Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Earns rewards. $3 monthly fee if average daily balance falls below $300

City Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.86%
1720 WESTERN AVE
KNOXVILLE, TN 37921
Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.64%
5201 SCHUBERT RD
KNOXVILLE, TN 37912
Business Checking Business
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

No additional details provided.

Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
6640 Clinton Hwy
Knoxville, TN 37912 1016
Premier Business Checking Business
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

($0-$4,999)

Fsnb
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
6777 Clinton Hwy
Knoxville, TN 37912
Advanced Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

Minimum Balance to Open Account: $5.00

Knoxville High Yield Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
1316 Wilson Rd
Knoxville, TN 37912
High-Yield Checking
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

TNConnect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
6211 Middlebrook Pike
Knoxville, TN 37909
High Yield Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Qualifications Required; Earns rewards.

SouthEast Bank
Institution Rating:
C-3.6 ★ Texas Ratio: 31.66%
412 N Peters Rd
Knoxville, TN 37922
Premium Interest Checking
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

No additional details provided.

SouthEast Bank
Institution Rating:
C-3.6 ★ Texas Ratio: 31.66%
412 N Peters Rd
Knoxville, TN 37922
Premium Interest Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

No additional details provided.

SouthEast Bank
Institution Rating:
C-3.6 ★ Texas Ratio: 31.66%
412 N Peters Rd
Knoxville, TN 37922
Premium Interest Checking
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

No additional details provided.

TNConnect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
6211 Middlebrook Pike
Knoxville, TN 37909
Interest Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Earns rewards. $3 monthly fee if average daily balance falls below $300

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
7216 Wellington Dr Ste 4
Knoxville, TN 37919 5931
Interest Checking
0.03%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Old Hickory Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
Kasasa Cash Checking
4.50%
$0
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Qualifying balance up to $10,000.00

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
HY Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

No additional details provided.

Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
Vertical Checking
3.50%
$25
View
▼
Rate3.45%
Min Deposit$25
Min Balance—
UpdatedMay 17, 2026
Details

No additional details provided.

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Share Draft (Peak Checking)
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

based on qualifying criteria**

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
High-Yield Checking
3.04%
$0
View
▼
Rate2.99%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

No additional details provided.

Eclipse Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
Opulent Checking
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

Qualifying balance up to $250,000.00

Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
Investor Checking
2.00%
$25
View
▼
Rate1.98%
Min Deposit$25
Min Balance—
UpdatedMay 17, 2026
Details

No additional details provided.

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
TVFCU Perks Platinum Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

No additional details provided.

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—
UpdatedMay 17, 2026
Details

No additional details provided.

Staley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
Staley Platinum Checking
0.13%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

TRUST Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 17.13%
Plus Checking
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

No additional details provided.

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.90%
Endeavor Plus Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

No additional details provided.

Staley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
Staley Platinum Checking
0.08%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Knoxville Rewards Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
7216 Wellington Dr Ste 4
Knoxville, TN 37919 5931
Rewards Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Old Hickory Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.09%
Kasasa Cash Checking
4.50%
$0
View
▼
Rate4.41%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

Qualifying balance up to $10,000.00

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.89%
TVFCU Perks Platinum Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

No additional details provided.

Liberty Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.06%
Platinum Rewards Checking
0.01%
$25
View
▼
Rate0.01%
Min Deposit$25
Min Balance—
UpdatedMay 17, 2026
Details

No additional details provided.

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Rewards Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

No additional details provided.

Knoxville Free Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
TNConnect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.41%
6211 Middlebrook Pike
Knoxville, TN 37909
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No monthly fees or minimum balance

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.77%
Basic Checking
0.03%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

No additional details provided.

Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 5.74%
Free Interest Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
FREE Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
FREE Checking Account
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

No additional details provided.

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

No additional details provided.

Knoxville Student Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
7216 Wellington Dr Ste 4
Knoxville, TN 37919 5931
Student Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Knoxville Business Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
1316 Wilson Rd
Knoxville, TN 37912
Preferred Business Checking Account Business
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Tennessee State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.56%
3314 Chapman Hwy
Knoxville, TN 37920
Commercial NOW Checking Business
0.15%
$100
View
▼
Rate0.15%
Min Deposit$100
Min Balance—
UpdatedMay 21, 2026
Details

No additional details provided.

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
1316 Wilson Rd
Knoxville, TN 37912
Business Checking Account Business
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
6640 Clinton Hwy
Knoxville, TN 37912 1016
Advantage Business Checking Business
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

($5,000 and up)

Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
6640 Clinton Hwy
Knoxville, TN 37912 1016
Premier Business Checking Business
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

($5,000 and up)

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
1316 Wilson Rd
Knoxville, TN 37912
Preferred Business Checking Account Business
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
6640 Clinton Hwy
Knoxville, TN 37912 1016
Premier Business Checking Business
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

($0-$4,999)

Enrichment Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.64%
5201 SCHUBERT RD
KNOXVILLE, TN 37912
Business Checking Business
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

No additional details provided.

Y-12 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.88%
6640 Clinton Hwy
Knoxville, TN 37912 1016
Advantage Business Checking Business
0.03%
$0
View
▼
Rate0.03%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

($1,500-$4,999)

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
1316 Wilson Rd
Knoxville, TN 37912
Preferred Business Checking Account Business
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
1316 Wilson Rd
Knoxville, TN 37912
Free Business Checking Account Business
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
1316 Wilson Rd
Knoxville, TN 37912
Business Checking Account Business
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 20, 2026
Details

No additional details provided.

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Summit Business Checking Business
2.03%
$0
View
▼
Rate2.01%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

No additional details provided.

Leaders Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
Leading Edge Business Checking Business
0.75%
$500
View
▼
Rate0.75%
Min Deposit$500
Min Balance—
UpdatedMay 23, 2026
Details

No additional details provided.

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Summit Business Checking Business
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

No additional details provided.

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Summit Business Checking Business
0.65%
$0
View
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

No additional details provided.

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Summit Business Checking Business
0.55%
$0
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

No additional details provided.

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.38%
Business Basic Checking Business
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

No additional details provided.

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Business Checking Business
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 22, 2026
Details

No additional details provided.

Eclipse Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
Business Interest Checking Business
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 17, 2026
Details

No additional details provided.

Knoxville, TN Checking Rate Trends

Compare local Knoxville, 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
2.596%
▲ 0.311 vs 7 days ago

Tennessee high-yield checking rates rose 0.311 points over the past 7 days to 2.596% APY.

Free Checking — TN Avg
0.734%
▼ 0.044 vs 7 days ago

Tennessee free checking rates fell 0.044 points over the past 7 days to 0.734% APY.

As of May 26, 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 Knoxville, 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 Knoxville, 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 Knoxville, 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 Knoxville, Tennessee earn interest?

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

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

Based on our current data, some of the highest checking account APYs available to residents of Knoxville, Tennessee include:
  • Knoxville TVA Employees Credit Union
    High-Yield Checking — 3.50% APY
  • TNConnect Credit Union
    High Yield Checking — 3.00% APY
  • SouthEast Bank
    Premium Interest Checking — 0.50% APY
  • Tennessee State Bank
    The Best Years Checking — 0.10% APY
  • Enrichment Federal Credit Union
    eSpend Checking — 0.15% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Knoxville, Tennessee. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: May 23, 2026

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