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

Content reviewed by
Brian McKay Brian McKay
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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 5, 2026

The best checking rates for Murfreesboro, Tennessee include F&M BankF&M Bank802 Memorial Blvd, Murfreesboro, TN 37129A+5.0 ★Texas Ratio: 0.06% Performance Checking at 3.70% APY, First National Bank of Middle TennesseeFirst National Bank of Middle Tennessee1708 Gateway Blvd, Murfreesboro, TN 37129A+5.0 ★Texas Ratio: 0.00% FiRST Impact Interest Checking at 3.04% APY, 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, FirstBank (TN)FirstBank (TN)615 Memorial Blvd, Murfreesboro, TN 37129A5.0 ★Texas Ratio: 6.39% FirstRewards Checking at 1.51% APY, and Tower Community BankTower Community Bank2812 South Rutherford Boulevard, Murfreesboro, TN 37127A+5.0 ★Texas Ratio: 0.47% Prime Rate Checking at 0.27% APY. Checking account rates as of April 5, 2026 according to verified data from MonitorBankRates.

Murfreesboro has 10 local institutions in our database, with checking rates as high as 3.70% APY from F&M Bank at 802 Memorial Blvd, Murfreesboro, TN, 37129. 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 5, 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
F&M Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
802 Memorial Blvd
Murfreesboro, TN 37129
Performance Checking
3.70%
$0
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

No additional details provided.

First National Bank of Middle Tennessee
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1708 Gateway Blvd
Murfreesboro, TN 37129
FiRST Impact Interest Checking
3.04%
$100
View
▼
Rate3.00%
Min Deposit$100
Min Balance—
UpdatedApr 2, 2026
Details

Qualifications Required: Have at least one Direct Deposit or authorize one automatic payment that posts and settles; Receive Electronic Statements (valid e-mail address is required); Make 15 debit card purchases that posts and settles; Qualifying balance up to $20,000.00

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 4, 2026
Details

No additional details provided.

FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
615 Memorial Blvd
Murfreesboro, TN 37129
FirstRewards Checking
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Qualifications Required: 10 debit card purchases post and clear; Have at least one ACH debit or ACH credit post and clear per monthly qualification cycle; Receive eStatement; Qualifying balance up to $25,000.00; To be eligible for a FirstRewards Checking account you must receive account statements electronically monthly.

F&M Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
802 Memorial Blvd
Murfreesboro, TN 37129
Choice Interest Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

No additional details provided.

F&M Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
802 Memorial Blvd
Murfreesboro, TN 37129
Performance Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 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 3, 2026
Details

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

F&M Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
802 Memorial Blvd
Murfreesboro, TN 37129
50+ Interest Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

No additional details provided.

F&M Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
802 Memorial Blvd
Murfreesboro, TN 37129
Choice Interest Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

No additional details provided.

F&M Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
802 Memorial Blvd
Murfreesboro, TN 37129
VIP Interest Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

$8.00 Monthly Maintenance Fee

F&M Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
802 Memorial Blvd
Murfreesboro, TN 37129
VIP Platinum Interest Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

$12.00 Monthly Maintenance Fee

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 3, 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 4, 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 4, 2026
Details

No additional details provided.

First Community Bank of Tennessee
Institution Rating:
A5.0 ★ Texas Ratio: 8.55%
275 Robert Rose Dr
Murfreesboro, TN 37129
Senior Classic Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

First Community Bank of Tennessee
Institution Rating:
A5.0 ★ Texas Ratio: 8.55%
275 Robert Rose Dr
Murfreesboro, TN 37129
Interest Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

First Community Bank of Tennessee
Institution Rating:
A5.0 ★ Texas Ratio: 8.55%
275 Robert Rose Dr
Murfreesboro, TN 37129
Interest Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

First Community Bank of Tennessee
Institution Rating:
A5.0 ★ Texas Ratio: 8.55%
275 Robert Rose Dr
Murfreesboro, TN 37129
Senior Classic Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 2, 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 3, 2026
Details

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

F&M Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
802 Memorial Blvd
Murfreesboro, TN 37129
Choice Interest Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
F&M Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
802 Memorial Blvd
Murfreesboro, TN 37129
Performance Checking
3.70%
$0
View
▼
Rate3.64%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

No additional details provided.

First National Bank of Middle Tennessee
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
1708 Gateway Blvd
Murfreesboro, TN 37129
FiRST Impact Interest Checking
3.04%
$100
View
▼
Rate3.00%
Min Deposit$100
Min Balance—
UpdatedApr 2, 2026
Details

Qualifications Required: Have at least one Direct Deposit or authorize one automatic payment that posts and settles; Receive Electronic Statements (valid e-mail address is required); Make 15 debit card purchases that posts and settles; Qualifying balance up to $20,000.00

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 4, 2026
Details

No additional details provided.

FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
615 Memorial Blvd
Murfreesboro, TN 37129
FirstRewards Checking
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Qualifications Required: 10 debit card purchases post and clear; Have at least one ACH debit or ACH credit post and clear per monthly qualification cycle; Receive eStatement; Qualifying balance up to $25,000.00; To be eligible for a FirstRewards Checking account you must receive account statements electronically monthly.

F&M Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
802 Memorial Blvd
Murfreesboro, TN 37129
Choice Interest Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

No additional details provided.

F&M Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
802 Memorial Blvd
Murfreesboro, TN 37129
Performance Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

No additional details provided.

F&M Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
802 Memorial Blvd
Murfreesboro, TN 37129
50+ Interest Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

No additional details provided.

F&M Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
802 Memorial Blvd
Murfreesboro, TN 37129
Choice Interest Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

No additional details provided.

F&M Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
802 Memorial Blvd
Murfreesboro, TN 37129
VIP Interest Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

$8.00 Monthly Maintenance Fee

F&M Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
802 Memorial Blvd
Murfreesboro, TN 37129
VIP Platinum Interest Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 28, 2026
Details

$12.00 Monthly Maintenance Fee

First Community Bank of Tennessee
Institution Rating:
A5.0 ★ Texas Ratio: 8.55%
275 Robert Rose Dr
Murfreesboro, TN 37129
Interest Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

First Community Bank of Tennessee
Institution Rating:
A5.0 ★ Texas Ratio: 8.55%
275 Robert Rose Dr
Murfreesboro, TN 37129
Interest Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

First Community Bank of Tennessee
Institution Rating:
A5.0 ★ Texas Ratio: 8.55%
275 Robert Rose Dr
Murfreesboro, TN 37129
Interest Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

F&M Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
802 Memorial Blvd
Murfreesboro, TN 37129
Choice Interest Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 28, 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 4, 2026
Details

No additional details provided.

First Community Bank of Tennessee
Institution Rating:
A5.0 ★ Texas Ratio: 8.55%
275 Robert Rose Dr
Murfreesboro, TN 37129
Interest Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 2, 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
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedApr 4, 2026
Details

No additional details provided.

FedTrust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.25%
Rewards Checking
4.59%
$0
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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—
UpdatedMar 28, 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 5, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
615 Memorial Blvd
Murfreesboro, TN 37129
FirstRewards Checking
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 26, 2026
Details

Qualifications Required: 10 debit card purchases post and clear; Have at least one ACH debit or ACH credit post and clear per monthly qualification cycle; Receive eStatement; Qualifying balance up to $25,000.00; To be eligible for a FirstRewards Checking account you must receive account statements electronically monthly.

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 4, 2026
Details

No additional details provided.

FedTrust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.25%
Rewards Checking
4.59%
$0
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
UpdatedApr 5, 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—
UpdatedMar 28, 2026
Details

Qualifying balance up to $10,000.00

Commercial Bank Harrogate, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
Cash Back Checking
2.00%
$100
View
▼
Rate2.00%
Min Deposit$100
Min Balance—
UpdatedApr 2, 2026
Details

Qualifications Required: Use your debit card at least 12 times during a calendar month; Cash back earned on up to $300 in purchases monthly; Earn up to $72 cash back per year, $6 per month

FNB of Oneida
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
First Reward Checking
0.80%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedApr 3, 2026
Details

Qualifications Required; Qualifying balance up to $50,000.00

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 4, 2026
Details

No additional details provided.

Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Reward Interest Checking
0.40%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Reward Interest Checking
0.30%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Reward Interest Checking
0.25%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Reward Interest Checking
0.20%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Reward Interest Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 2026
Details

No additional details provided.

Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Reward Interest Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 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—
UpdatedMar 28, 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 4, 2026
Details

No additional details provided.

New South Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
FREE Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 28, 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 2, 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 5, 2026
Details

No additional details provided.

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 5, 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—
UpdatedMar 29, 2026
Details

No monthly fees or minimum balance

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—
UpdatedMar 28, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
F&M Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.06%
802 Memorial Blvd
Murfreesboro, TN 37129
Choice Business Interest Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 28, 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 Basic Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedApr 4, 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 3, 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 4, 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—
UpdatedMar 28, 2026
Details

No additional details provided.

Southern Bank of Tennessee
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
small business interest checking
1.00%
$1,000
View
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedApr 3, 2026
Details

Qualifications Required: 15 debit card transactions of $10 or more post and settle per month; Be enrolled and agree to receive e-statements; Qualifying balance up to $250,000.00

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—
UpdatedMar 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—
UpdatedMar 28, 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—
UpdatedMar 28, 2026
Details

No additional details provided.

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Maximum Business Checking
0.55%
$0
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMar 25, 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—
UpdatedMar 28, 2026
Details

No additional details provided.

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Maximum Business Checking
0.45%
$0
View
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Business High Yield Checking Account
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

Effective 3/1/2026

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Maximum Business Checking
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

No additional details provided.

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Beside You Business Checking
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

Qualifying balance up to $100,000.00

Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
Business High Yield Checking Account
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 24, 2026
Details

Effective 3/1/2026

Eastman Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.31%
Beyond Free Business Checking
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 25, 2026
Details

$100,000 or greater

Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Business Interest Checking
0.30%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 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—
UpdatedMar 24, 2026
Details

No additional details provided.

Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
Business Interest Checking
0.25%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedApr 2, 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
3.387%
▲ 2.025 vs 7 days ago

Tennessee high-yield checking rates rose 2.025 points over the past 7 days to 3.387% APY.

Free Checking — TN Avg
0.897%
▲ 0.574 vs 7 days ago

Tennessee free checking rates rose 0.574 points over the past 7 days to 0.897% APY.

As of Apr 6, 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:
  • F&M Bank
    Performance Checking — 3.70% APY
  • First National Bank of Middle Tennessee
    FiRST Impact Interest Checking — 3.04% APY
  • Ascend Federal Credit Union
    High-Yield Checking — 3.04% APY
  • FirstBank (TN)
    FirstRewards Checking — 1.51% APY
  • Tower Community Bank
    Prime Rate Checking — 0.27% 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 5, 2026

Murfreesboro, Tennessee Rates & Resources

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