Checking Rate Trends

Current Checking Rate Trends

The High-Yield Checking rose by 0.373 this week, pushing the current average APY to 1.986%. Savers depositing this week are earning more than they would have last week, when the average stood at 1.613%.

The Rewards Checking also moved higher this week, rising to 1.962% from 1.611% last week. The High-Yield Checking leads Rewards Checking by 0.024 percentage points.

The checking account rate averages displayed on this page are calculated from our database of over 8,500 banks and credit unions actively reporting APYs across all 50 states. Our proprietary systems collect and verify deposit rates daily, tracking what real licensed institutions are actually offering to depositors, not promotional teaser rates.

Unlike comparison sites that show only a handful of institutions, MonitorBankRates maintains a continuously updated checking account rate database spanning community banks, regional lenders, large institutions, and credit unions in every state. This scale allows us to calculate averages that reflect the full deposit landscape, not just the most aggressive advertisers, giving savers, journalists, and financial professionals a more accurate benchmark for where APYs actually stand across the country.

State-Level Checking Rate Heatmap

Hover over a state to see its current High-Yield Checking average and weekly change. Click on any state to view its complete historical trend report.

States colored by quartile of current High-Yield Checking APY averages. Hover any state for its rate, rank and weekly change; click to open that state’s trend page. Rates shown to two decimals on the map, three in the tooltip.

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Weekly Checking Rate Reports

Weekly average checking rate data releases from MonitorBankRates.com.

For Media, Researchers & Real Estate Professionals

The checking account rate averages on this page are calculated from our database of over 8,500 banks and credit unions actively reporting APYs across all 50 states. Our proprietary systems collect and verify deposit rates daily, tracking what real licensed institutions are actually offering to account holders, not promotional teaser rates. Every day we aggregate those individual data points into overall averages that represent a true, real-market picture of what consumers across the U.S. are being offered today.

Unlike rate comparison sites that show only a handful of institutions, MonitorBankRates maintains a continuously updated checking account rate database spanning community banks, regional lenders, large institutions, and credit unions across all 50 states. This scale allows us to calculate averages that reflect the full deposit landscape, not just the most aggressive advertisers, giving consumers, journalists, and financial professionals a more accurate benchmark for what APYs actually look like across the country.

Journalists, financial professionals, and academic researchers are welcome to cite and reference this data for editorial, research, and educational purposes. Please attribute MonitorBankRates.com when referencing our figures in any publication, article, or report, and optionally link to https://www.monitorbankrates.com/checking-account-rates/trends/. For custom data pulls, contact us here.

Checking Rate Trends

Daily average APYs across all checking products. Hover over the chart to see exact APYs for each day.

As of Oct 16, 2026 • Data provided by MonitorBankRates.com

Complete State Trends Data