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Best Banks & Checking Accounts in Murfreesboro, 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 Murfreesboro, Tennessee include Ascend Federal Credit UnionAscend Federal Credit Union1250 W Clark Blvd, Murfreesboro, TN 37129 2300A+5.0 ★Texas Ratio: 2.48% High-Yield Checking* at 3.04% APY, Tower Community BankTower Community Bank2812 South Rutherford Boulevard, Murfreesboro, TN 37127A+5.0 ★Texas Ratio: 0.47% Prime Rate Checking at 0.27% APY, Redstone Federal Credit UnionRedstone Federal Credit Union1749 S Rutherford Blvd, Murfreesboro, TN 37130 5957A+5.0 ★Texas Ratio: 3.00% Endeavor Plus Checking to $99,999.99 at 0.10% APY, FsnbFsnb2000 Old Fort Pkwy, Murfreesboro, TN 37129A5.0 ★Texas Ratio: 12.00% Advanced Checking at 0.05% APY, and CapStar BankCapStar Bank2230 Doctor Martin Luther King Jr Blvd, Murfreesboro, TN 37130A+5.0 ★Texas Ratio: 1.98% ONB Preferred Checking at 0.01% APY. Checking account rates as of April 27, 2026 according to verified data from MonitorBankRates.

Murfreesboro has 5 local institutions in our database, with checking rates as high as 3.04% APY from Ascend Federal Credit Union at 1250 W Clark Blvd, Murfreesboro, TN, 37129 2300. 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 Murfreesboro, Tennessee. Checking Account Rates Last Updated and Verified: April 27, 2026

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

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
1250 W Clark Blvd
Murfreesboro, TN 37129 2300
High-Yield Checking*
3.04%
$0
View
▼
Rate2.99%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

No additional details provided.

Tower Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
2812 South Rutherford Boulevard
Murfreesboro, TN 37127
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%
2812 South Rutherford Boulevard
Murfreesboro, TN 37127
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%
1250 W Clark Blvd
Murfreesboro, TN 37129 2300
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%
1250 W Clark Blvd
Murfreesboro, TN 37129 2300
Preferred Checking*
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

No additional details provided.

Tower Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
2812 South Rutherford Boulevard
Murfreesboro, TN 37127
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*

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
1749 S Rutherford Blvd
Murfreesboro, TN 37130 5957
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%
1749 S Rutherford Blvd
Murfreesboro, TN 37130 5957
Endeavor Plus Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

$100,000.00 and above

Tower Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.47%
2812 South Rutherford Boulevard
Murfreesboro, TN 37127
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*

Fsnb
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
2000 Old Fort Pkwy
Murfreesboro, TN 37129
Advanced Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 17, 2026
Details

Minimum Balance to Open Account: $5.00

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
1749 S Rutherford Blvd
Murfreesboro, TN 37130 5957
Endeavor Plus Checking to $9,999.99
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

$5,000

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
1749 S Rutherford Blvd
Murfreesboro, TN 37130 5957
Endeavor Plus Checking to $49,999.99
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

$10,000

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
1749 S Rutherford Blvd
Murfreesboro, TN 37130 5957
Endeavor Plus Checking to $4,999.99
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

$2,000

CapStar Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
2230 Doctor Martin Luther King Jr Blvd
Murfreesboro, TN 37130
ONB Preferred Checking
0.01%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 16, 2026
Details

No additional details provided.

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
1250 W Clark Blvd
Murfreesboro, TN 37129 2300
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%
1250 W Clark Blvd
Murfreesboro, TN 37129 2300
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%
1250 W Clark Blvd
Murfreesboro, TN 37129 2300
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%
1250 W Clark Blvd
Murfreesboro, TN 37129 2300
Rewards Checking*
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 25, 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.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
1250 W Clark Blvd
Murfreesboro, TN 37129 2300
High-Yield Checking*
3.04%
$0
View
▼
Rate2.99%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

No additional details provided.

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
1749 S Rutherford Blvd
Murfreesboro, TN 37130 5957
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%
1749 S Rutherford Blvd
Murfreesboro, TN 37130 5957
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%
1749 S Rutherford Blvd
Murfreesboro, TN 37130 5957
Endeavor Plus Checking to $9,999.99
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

$5,000

Redstone Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
1749 S Rutherford Blvd
Murfreesboro, TN 37130 5957
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%
1749 S Rutherford Blvd
Murfreesboro, TN 37130 5957
Endeavor Plus Checking to $49,999.99
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

$10,000

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**

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

SouthEast Bank
Institution Rating:
C-3.6 ★ Texas Ratio: 31.66%
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%
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%
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%
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%
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%
Plus Checking
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 18, 2026
Details

No additional details provided.

SouthEast Bank
Institution Rating:
C-3.6 ★ Texas Ratio: 31.66%
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%
Staley Platinum Checking
0.08%
$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
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
1250 W Clark Blvd
Murfreesboro, TN 37129 2300
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%
1250 W Clark Blvd
Murfreesboro, TN 37129 2300
Rewards Checking*
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 25, 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

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
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%
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
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
1250 W Clark Blvd
Murfreesboro, TN 37129 2300
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%
1250 W Clark Blvd
Murfreesboro, TN 37129 2300
Free Checking*
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

No additional details provided.

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.

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%
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
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
1250 W Clark Blvd
Murfreesboro, TN 37129 2300
Business Basic Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

No additional details provided.

First Commerce Bank Lewisburg, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 0.15%
1111 N Maple St
Murfreesboro, TN 37130
Business Interest Checking
0.05%
$0
View
▼
Rate0.05%
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%
1250 W Clark Blvd
Murfreesboro, TN 37129 2300
Business Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 25, 2026
Details

No additional details provided.

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.

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.

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.

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

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.

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

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

No additional details provided.

Murfreesboro, TN Checking Rate Trends

Compare local Murfreesboro, 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 Murfreesboro, 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 Murfreesboro, 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 Murfreesboro, Tennessee earn interest?

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

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

Based on our current data, some of the highest checking account APYs available to residents of Murfreesboro, Tennessee include:
  • Ascend Federal Credit Union
    High-Yield Checking* — 3.04% APY
  • Tower Community Bank
    Prime Rate Checking — 0.27% APY
  • Redstone Federal Credit Union
    Endeavor Plus Checking to $99,999.99 — 0.10% APY
  • Fsnb
    Advanced Checking — 0.05% APY
  • CapStar Bank
    ONB Preferred Checking — 0.01% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Murfreesboro, Tennessee. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: April 27, 2026

Murfreesboro, Tennessee Rates & Resources

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