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Checking Rate Trends

Hawthorne, California Best Checking Accounts & Rates October 2026

Hawthorne, California checking account rates range from 0.01% to 7.50% APY, verified by MonitorBankRates as of October 27, 2026. The best checking rates for Hawthorne, California include Navy Federal Credit UnionNavy Federal Credit Union5360 W Rosecrans Ave, Hawthorne, CA 90250A5.0 ★Texas Ratio: 8.14%Rate verified Oct 26, 2026 Flagship Checking at 0.45% APY, Kinecta Federal Credit UnionKinecta Federal Credit Union12750 Hawthorne Blvd Unit A, Hawthorne, CA 90250A+5.0 ★Texas Ratio: 3.82%Rate verified Oct 23, 2026 Checking ProtectPlus at 0.25% APY, US BankUS Bank12801 Hawthorne Blvd, Hawthorne, CA 90250A+5.0 ★Texas Ratio: 2.85%Rate verified Oct 26, 2026 Bank Smartly Checking at 0.01% APY, Rize Federal Credit UnionRize Federal Credit UnionA5.0 ★Texas Ratio: 6.24%Rate verified Oct 23, 2026 RizeTM Checking at 7.50% APY, and Sage Credit UnionSage Credit UnionA+5.0 ★Texas Ratio: 5.70%Rate verified Oct 23, 2026 Rewards Checking at 7.00% APY. Checking account rates as of October 27, 2026 according to verified data from MonitorBankRates.

Hawthorne has 3 local institutions in our database, with checking rates as high as 0.45% APY from Navy Federal Credit Union at 5360 W Rosecrans Ave, Hawthorne, CA, 90250. Use the tabs below to compare all available checking account types. Rates are continually updated, so we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in Hawthorne, California. Checking Account Rates Last Updated and Verified: October 27, 2026

Compare Checking Account Rates Today in Hawthorne, California & the Surrounding Area

Institutions:

Hawthorne Checking Account Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
5360 W Rosecrans Ave
Hawthorne, CA 90250
Flagship Checking
0.45%
$0
▼
Rate0.45%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $25,000 and over

Rate History
No change since Sep 30, 2026 · 0.45% APY · checked 7 times
0.00%0.48%0.95%Sep 30, 2026: 0.45% APYSep 30, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
5360 W Rosecrans Ave
Hawthorne, CA 90250
Flagship Checking
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $10,000 to $24,999

Rate History
No change since Sep 30, 2026 · 0.40% APY · checked 7 times
0.00%0.45%0.90%Sep 30, 2026: 0.40% APYSep 30, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
5360 W Rosecrans Ave
Hawthorne, CA 90250
Flagship Checking
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $1,500 to $9,999; Must maintain a daily ending balance of at least $1,500 to earn dividends

Rate History
No change since Sep 30, 2026 · 0.35% APY · checked 7 times
0.00%0.43%0.85%Sep 30, 2026: 0.35% APYSep 30, 2026Oct 28, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
12750 Hawthorne Blvd Unit A
Hawthorne, CA 90250
Checking ProtectPlus
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $50,000 - $99,999

Rate History
No change since Oct 15, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Oct 15, 2026: 0.25% APYOct 15, 2026Oct 28, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
12750 Hawthorne Blvd Unit A
Hawthorne, CA 90250
Checking ProtectPlus
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $25,000 - $49,999

Rate History
No change since Oct 15, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 15, 2026: 0.15% APYOct 15, 2026Oct 28, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
12750 Hawthorne Blvd Unit A
Hawthorne, CA 90250
Checking ProtectPlus
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $0 - $4,999

Rate History
No change since Oct 15, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 15, 2026: 0.10% APYOct 15, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
5360 W Rosecrans Ave
Hawthorne, CA 90250
Free Active Duty Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

No additional details provided.

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
5360 W Rosecrans Ave
Hawthorne, CA 90250
Free Campus Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

No additional details provided.

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
5360 W Rosecrans Ave
Hawthorne, CA 90250
Free Easy Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

No additional details provided.

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
5360 W Rosecrans Ave
Hawthorne, CA 90250
Free Everyday Checking
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

No additional details provided.

Rate History
No change since Sep 30, 2026 · 0.01% APY · checked 7 times
0.00%0.26%0.51%Sep 30, 2026: 0.01% APYSep 30, 2026Oct 28, 2026
US Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.85%
12801 Hawthorne Blvd
Hawthorne, CA 90250
Bank Smartly Checking
0.01%
$25
▼
Rate0.00%
Min Deposit$25
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $25,000.00 and over; Tiered-rate account; Variable rate, advertised rates effective as of 11/24/2025; Source: footnote 22

Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 10 times
0.00%0.25%0.51%Sep 14, 2026: 0.01% APYSep 14, 2026Oct 28, 2026
Rize Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.24%
RizeTM Checking
7.50%
$0
▼
Rate7.25%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Qualifications Required; Balance: <= $10,000; Online Only

Rate History
No change since Sep 12, 2026 · 7.50% APY · checked 7 times
7.00%7.50%8.00%Sep 12, 2026: 7.50% APYSep 12, 2026Oct 28, 2026
Sage Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.70%
Rewards Checking
7.00%
$0
▼
Rate6.78%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Rate History
No change since Sep 25, 2026 · 7.00% APY · checked 6 times
6.50%7.00%7.50%Sep 25, 2026: 7.00% APYSep 25, 2026Oct 28, 2026
Heritage Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.95%
Kasasa Cash Checking - Level 3
5.00%
$25
▼
Rate4.89%
Min Deposit$25
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; Balance: $0 - $25,000; Qualifying balance up to $25,000.00

Rate History
No change since Oct 14, 2026 · 5.00% APY · checked 3 times
4.50%5.00%5.50%Oct 14, 2026: 5.00% APYOct 14, 2026Oct 28, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.84%
High Yield Checking
4.50%
$25
▼
Rate4.41%
Min Deposit$25
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $0 to $10,000; New Members Only; Effective Date: 06/17/2026

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 10 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 28, 2026
Sacramento Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
FREE REWARDS CHECKING
4.50%
$0
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; Balance: $0 - $25,000; Qualifying balance up to $25,000.00

Rate History
No change since Sep 22, 2026 · 4.50% APY · checked 6 times
4.00%4.50%5.00%Sep 22, 2026: 4.50% APYSep 22, 2026Oct 28, 2026
Inova Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.94%
Shield Checking
4.25%
$0
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; Balance: $0 - $15,000.00 with requirements met; $5 per month service fee

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYOct 14, 2026: 4.25% APYSep 18, 2026Oct 28, 2026
  • Oct 14, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Sea Air Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Checking Accounts
4.08%
$1
▼
Rate4.00%
Min Deposit$1
Min BalanceN/A
UpdatedOct 23, 2026
Details

Qualifications Required; Balance: $1 minimum (Tier I, Flexible Rewards Program)

Rate History
No change since Oct 12, 2026 · 4.08% APY · checked 3 times
3.58%4.08%4.58%Oct 12, 2026: 4.08% APYOct 12, 2026Oct 28, 2026
Families And Schools Together Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Rewards Checking
4.07%
$0
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Min to earn dividends: $0.05; Dividends paid monthly

Rate History
No change since Oct 12, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 12, 2026: 4.07% APYOct 12, 2026Oct 28, 2026
Heritage Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.95%
Kasasa Cash Checking - Level 2
4.00%
$25
▼
Rate3.93%
Min Deposit$25
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; Balance: $0 - $25,000; Level 2 Rewards

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
PowerPlus Checking - Level 2
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $0.00 - $15,000.00; Introductory APY 8.00%; Introductory Dividend Rate 7.72%

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
PowerPlusTM Checking - Level 2
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $0.00 - $15,000.00; Introductory APY: 8.00%; Introductory Dividend Rate: 7.72%

Rate History
No change since Oct 19, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 28, 2026
F&A Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
High Yield eChecking
4.00%
$0
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Qualifications Required: Paperless eStatements; APY as high as 4.00%; Dividend rate as high as 3.92%; Monthly fee $0.00

Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 28, 2026
Heritage Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.95%
Kasasa Cash Checking - Level 1
3.50%
$25
▼
Rate3.45%
Min Deposit$25
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; Balance: $0 - $25,000; Qualifying balance up to $25,000.00

Rate History
No change since Oct 19, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 19, 2026: 3.50% APYOct 19, 2026Oct 28, 2026
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.97%
Premier Plus Checking
3.50%
$25
▼
Rate3.44%
Min Deposit$25
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; Qualifying balance up to $30,000.00; 0.10% APY on funds exceeding $30,000; $200 New Account Bonus

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 28, 2026
Americas Christian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
Elite Checking
3.50%
$100
▼
Rate3.45%
Min Deposit$100
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $0.01 and over; Rate Type: Variable; Compounded/Paid: Monthly

Rate History
No change since Oct 1, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Oct 1, 2026: 3.50% APYOct 1, 2026Oct 28, 2026
Monterra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
Premium Checking
3.50%
$20
▼
Rate3.45%
Min Deposit$20
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; Bonus: open a new Premium Checking account and earn up to $150; APY paid on average daily balances when all monthly requirements are met; otherwise 0% for that statement cycle; limit one Premium Checking account per membership

Rate History
1 change since Sep 18, 2026 · 4.00% → 3.50% ▼ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 18, 2026: 4.00% APYSep 22, 2026: 3.50% APYSep 18, 2026Oct 28, 2026
  • Sep 22, 20263.50%▼ from 4.00%
  • Sep 18, 20264.00%first recorded
Star One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
Rewards Checking Account
3.45%
$25
▼
Rate3.40%
Min Deposit$25
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; Refer to Section H of our Rate and Fee Schedule; Dividends compounded Monthly; Dividends credited Monthly and at Closure

Rate History
1 change since Sep 14, 2026 · 0.10% → 3.45% ▲ 3.35 pts · high 3.45% / low 0.10%
0.00%3.40%6.80%Sep 14, 2026: 0.10% APYOct 14, 2026: 3.45% APYSep 14, 2026Oct 28, 2026
  • Oct 14, 20263.45%▲ from 0.10%
  • Sep 14, 20260.10%first recorded
Exchange Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
State Bar Checking
3.28%
$0
▼
Rate3.23%
Min Deposit$0
Min BalanceN/A
UpdatedOct 27, 2026
Details

Balance: $250,000 - $499,999

Rate History
No change since Oct 22, 2026 · 3.28% APY · checked 3 times
2.78%3.28%3.78%Oct 22, 2026: 3.28% APYOct 22, 2026Oct 28, 2026
MyPoint Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
High-Yield Checking
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $75,000.00 and over

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 9 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 28, 2026
SAFE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
Perfect Cents Checking
3.04%
$25
▼
Rate3.00%
Min Deposit$25
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; Qualifying balance up to $3,000.00; Tiered-rate account, dividend paid only on the portion of the balance within each tier; Dividends paid monthly

Rate History
No change since Oct 14, 2026 · 3.04% APY · checked 3 times
2.54%3.04%3.54%Oct 14, 2026: 3.04% APYOct 14, 2026Oct 28, 2026
Exchange Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
State Bar Checking
3.03%
$0
▼
Rate2.99%
Min Deposit$0
Min BalanceN/A
UpdatedOct 27, 2026
Details

Balance: $100,000 - $249,999

Rate History
No change since Oct 22, 2026 · 3.03% APY · checked 3 times
2.53%3.03%3.53%Oct 22, 2026: 3.03% APYOct 22, 2026Oct 28, 2026
Upward Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.23%
Kasasa Cash Checking - Qualifying
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifying balance up to $10,000.00; Qualifying rates apply during the period in which the linked Kasasa Checking Account meets the Monthly Qualifications

Rate History
No change since Oct 13, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 13, 2026: 3.00% APYOct 13, 2026Oct 28, 2026
Wheelhouse Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Inspired & Inspired Plus Checking Account
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; Minimum of 20 Debit Card Purchase Transactions per calendar month; Rates effective as of 09/04/2026

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 28, 2026
Glendale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
Kasasa Cash Checking
3.00%
$0
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Qualifications Required; Balance: 0 - $10,000

Rate History
No change since Oct 22, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 22, 2026: 3.00% APYOct 22, 2026Oct 28, 2026
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.19%
Epic Business Premium Checking Business
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Tier 4; Avg. Daily; Balance: $250,000 tier

Rate History
No change since Oct 12, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 12, 2026: 3.00% APYOct 12, 2026Oct 28, 2026
Compass Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Directional Checking
2.90%
$0
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; Balance: $150,000.01 +; Effective date 06/01/2026

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 8 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 28, 2026
MyPoint Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
High-Yield Checking
2.75%
$0
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $50,000.00 - $74,999.99

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 9 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 28, 2026
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.19%
Epic Business Checking Business
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $250,000 (Tier 4)

Rate History
No change since Oct 12, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Oct 12, 2026: 2.75% APYOct 12, 2026Oct 28, 2026
Universal Bank
Institution Rating:
A-5.0 ★ Texas Ratio: 14.64%
Universal Tiered Checking - Relationship
2.60%
$0
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
UpdatedOct 27, 2026
Details

Qualifications Required; Balance: $100,000+

Rate History
No change since Oct 8, 2026 · 2.60% APY · checked 4 times
2.10%2.60%3.10%Oct 8, 2026: 2.60% APYOct 8, 2026Oct 28, 2026

Hawthorne High Yield Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
12750 Hawthorne Blvd Unit A
Hawthorne, CA 90250
Checking ProtectPlus
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $50,000 - $99,999

Rate History
No change since Oct 15, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Oct 15, 2026: 0.25% APYOct 15, 2026Oct 28, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
12750 Hawthorne Blvd Unit A
Hawthorne, CA 90250
Checking ProtectPlus
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $25,000 - $49,999

Rate History
No change since Oct 15, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 15, 2026: 0.15% APYOct 15, 2026Oct 28, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
12750 Hawthorne Blvd Unit A
Hawthorne, CA 90250
Checking ProtectPlus
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $0 - $4,999

Rate History
No change since Oct 15, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 15, 2026: 0.10% APYOct 15, 2026Oct 28, 2026
Rize Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.24%
RizeTM Checking
7.50%
$0
▼
Rate7.25%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Qualifications Required; Balance: <= $10,000; Online Only

Rate History
No change since Sep 12, 2026 · 7.50% APY · checked 7 times
7.00%7.50%8.00%Sep 12, 2026: 7.50% APYSep 12, 2026Oct 28, 2026
Sage Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.70%
Rewards Checking
7.00%
$0
▼
Rate6.78%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Rate History
No change since Sep 25, 2026 · 7.00% APY · checked 6 times
6.50%7.00%7.50%Sep 25, 2026: 7.00% APYSep 25, 2026Oct 28, 2026
Heritage Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.95%
Kasasa Cash Checking - Level 3
5.00%
$25
▼
Rate4.89%
Min Deposit$25
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; Balance: $0 - $25,000; Qualifying balance up to $25,000.00

Rate History
No change since Oct 14, 2026 · 5.00% APY · checked 3 times
4.50%5.00%5.50%Oct 14, 2026: 5.00% APYOct 14, 2026Oct 28, 2026
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.84%
High Yield Checking
4.50%
$25
▼
Rate4.41%
Min Deposit$25
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $0 to $10,000; New Members Only; Effective Date: 06/17/2026

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 10 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 28, 2026
Sacramento Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
FREE REWARDS CHECKING
4.50%
$0
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; Balance: $0 - $25,000; Qualifying balance up to $25,000.00

Rate History
No change since Sep 22, 2026 · 4.50% APY · checked 6 times
4.00%4.50%5.00%Sep 22, 2026: 4.50% APYSep 22, 2026Oct 28, 2026
Inova Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.94%
Shield Checking
4.25%
$0
▼
Rate4.17%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; Balance: $0 - $15,000.00 with requirements met; $5 per month service fee

Rate History
1 change since Sep 18, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 4.00%
3.50%4.13%4.75%Sep 18, 2026: 4.00% APYOct 14, 2026: 4.25% APYSep 18, 2026Oct 28, 2026
  • Oct 14, 20264.25%▲ from 4.00%
  • Sep 18, 20264.00%first recorded
Sea Air Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Checking Accounts
4.08%
$1
▼
Rate4.00%
Min Deposit$1
Min BalanceN/A
UpdatedOct 23, 2026
Details

Qualifications Required; Balance: $1 minimum (Tier I, Flexible Rewards Program)

Rate History
No change since Oct 12, 2026 · 4.08% APY · checked 3 times
3.58%4.08%4.58%Oct 12, 2026: 4.08% APYOct 12, 2026Oct 28, 2026
Families And Schools Together Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Rewards Checking
4.07%
$0
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Min to earn dividends: $0.05; Dividends paid monthly

Rate History
No change since Oct 12, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 12, 2026: 4.07% APYOct 12, 2026Oct 28, 2026
Heritage Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.95%
Kasasa Cash Checking - Level 2
4.00%
$25
▼
Rate3.93%
Min Deposit$25
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; Balance: $0 - $25,000; Level 2 Rewards

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
PowerPlus Checking - Level 2
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $0.00 - $15,000.00; Introductory APY 8.00%; Introductory Dividend Rate 7.72%

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
PowerPlusTM Checking - Level 2
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $0.00 - $15,000.00; Introductory APY: 8.00%; Introductory Dividend Rate: 7.72%

Rate History
No change since Oct 19, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 28, 2026
F&A Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.14%
High Yield eChecking
4.00%
$0
▼
Rate3.92%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Qualifications Required: Paperless eStatements; APY as high as 4.00%; Dividend rate as high as 3.92%; Monthly fee $0.00

Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 28, 2026
Heritage Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.95%
Kasasa Cash Checking - Level 1
3.50%
$25
▼
Rate3.45%
Min Deposit$25
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; Balance: $0 - $25,000; Qualifying balance up to $25,000.00

Rate History
No change since Oct 19, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 19, 2026: 3.50% APYOct 19, 2026Oct 28, 2026
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.97%
Premier Plus Checking
3.50%
$25
▼
Rate3.44%
Min Deposit$25
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; Qualifying balance up to $30,000.00; 0.10% APY on funds exceeding $30,000; $200 New Account Bonus

Rate History
No change since Sep 14, 2026 · 3.50% APY · checked 9 times
3.00%3.50%4.00%Sep 14, 2026: 3.50% APYSep 14, 2026Oct 28, 2026
Americas Christian Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.99%
Elite Checking
3.50%
$100
▼
Rate3.45%
Min Deposit$100
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $0.01 and over; Rate Type: Variable; Compounded/Paid: Monthly

Rate History
No change since Oct 1, 2026 · 3.50% APY · checked 6 times
3.00%3.50%4.00%Oct 1, 2026: 3.50% APYOct 1, 2026Oct 28, 2026
Monterra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
Premium Checking
3.50%
$20
▼
Rate3.45%
Min Deposit$20
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; Bonus: open a new Premium Checking account and earn up to $150; APY paid on average daily balances when all monthly requirements are met; otherwise 0% for that statement cycle; limit one Premium Checking account per membership

Rate History
1 change since Sep 18, 2026 · 4.00% → 3.50% ▼ 0.50 pts · high 4.00% / low 3.50%
3.00%3.75%4.50%Sep 18, 2026: 4.00% APYSep 22, 2026: 3.50% APYSep 18, 2026Oct 28, 2026
  • Sep 22, 20263.50%▼ from 4.00%
  • Sep 18, 20264.00%first recorded
Star One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
Rewards Checking Account
3.45%
$25
▼
Rate3.40%
Min Deposit$25
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; Refer to Section H of our Rate and Fee Schedule; Dividends compounded Monthly; Dividends credited Monthly and at Closure

Rate History
1 change since Sep 14, 2026 · 0.10% → 3.45% ▲ 3.35 pts · high 3.45% / low 0.10%
0.00%3.40%6.80%Sep 14, 2026: 0.10% APYOct 14, 2026: 3.45% APYSep 14, 2026Oct 28, 2026
  • Oct 14, 20263.45%▲ from 0.10%
  • Sep 14, 20260.10%first recorded
Exchange Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
State Bar Checking
3.28%
$0
▼
Rate3.23%
Min Deposit$0
Min BalanceN/A
UpdatedOct 27, 2026
Details

Balance: $250,000 - $499,999

Rate History
No change since Oct 22, 2026 · 3.28% APY · checked 3 times
2.78%3.28%3.78%Oct 22, 2026: 3.28% APYOct 22, 2026Oct 28, 2026
MyPoint Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
High-Yield Checking
3.25%
$0
▼
Rate3.20%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $75,000.00 and over

Rate History
No change since Sep 14, 2026 · 3.25% APY · checked 9 times
2.75%3.25%3.75%Sep 14, 2026: 3.25% APYSep 14, 2026Oct 28, 2026
SAFE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
Perfect Cents Checking
3.04%
$25
▼
Rate3.00%
Min Deposit$25
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; Qualifying balance up to $3,000.00; Tiered-rate account, dividend paid only on the portion of the balance within each tier; Dividends paid monthly

Rate History
No change since Oct 14, 2026 · 3.04% APY · checked 3 times
2.54%3.04%3.54%Oct 14, 2026: 3.04% APYOct 14, 2026Oct 28, 2026
Exchange Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
State Bar Checking
3.03%
$0
▼
Rate2.99%
Min Deposit$0
Min BalanceN/A
UpdatedOct 27, 2026
Details

Balance: $100,000 - $249,999

Rate History
No change since Oct 22, 2026 · 3.03% APY · checked 3 times
2.53%3.03%3.53%Oct 22, 2026: 3.03% APYOct 22, 2026Oct 28, 2026
Upward Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.23%
Kasasa Cash Checking - Qualifying
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifying balance up to $10,000.00; Qualifying rates apply during the period in which the linked Kasasa Checking Account meets the Monthly Qualifications

Rate History
No change since Oct 13, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 13, 2026: 3.00% APYOct 13, 2026Oct 28, 2026
Wheelhouse Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.23%
Inspired & Inspired Plus Checking Account
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; Minimum of 20 Debit Card Purchase Transactions per calendar month; Rates effective as of 09/04/2026

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 28, 2026
Glendale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
Kasasa Cash Checking
3.00%
$0
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Qualifications Required; Balance: 0 - $10,000

Rate History
No change since Oct 22, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 22, 2026: 3.00% APYOct 22, 2026Oct 28, 2026
Compass Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.18%
Directional Checking
2.90%
$0
▼
Rate2.86%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; Balance: $150,000.01 +; Effective date 06/01/2026

Rate History
No change since Sep 14, 2026 · 2.90% APY · checked 8 times
2.40%2.90%3.40%Sep 14, 2026: 2.90% APYSep 14, 2026Oct 28, 2026
MyPoint Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
High-Yield Checking
2.75%
$0
▼
Rate2.71%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $50,000.00 - $74,999.99

Rate History
No change since Sep 14, 2026 · 2.75% APY · checked 9 times
2.25%2.75%3.25%Sep 14, 2026: 2.75% APYSep 14, 2026Oct 28, 2026
Universal Bank
Institution Rating:
A-5.0 ★ Texas Ratio: 14.64%
Universal Tiered Checking - Relationship
2.60%
$0
▼
Rate2.57%
Min Deposit$0
Min BalanceN/A
UpdatedOct 27, 2026
Details

Qualifications Required; Balance: $100,000+

Rate History
No change since Oct 8, 2026 · 2.60% APY · checked 4 times
2.10%2.60%3.10%Oct 8, 2026: 2.60% APYOct 8, 2026Oct 28, 2026
Universal Bank
Institution Rating:
A-5.0 ★ Texas Ratio: 14.64%
Universal Tiered Checking - Relationship
2.55%
$0
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
UpdatedOct 27, 2026
Details

Qualifications Required; Balance: $50,000 - $99,999

Rate History
No change since Oct 8, 2026 · 2.55% APY · checked 4 times
2.05%2.55%3.05%Oct 8, 2026: 2.55% APYOct 8, 2026Oct 28, 2026
State Bank of India US
Institution Rating:
A5.0 ★ Texas Ratio: 7.01%
Attorney Client Checking Account
2.55%
$100
▼
Rate2.52%
Min Deposit$100
Min BalanceN/A
UpdatedOct 26, 2026
Details

No additional details provided.

Rate History
No change since Sep 18, 2026 · 2.55% APY · checked 9 times
2.05%2.55%3.05%Sep 18, 2026: 2.55% APYSep 18, 2026Oct 28, 2026
Universal Bank
Institution Rating:
A-5.0 ★ Texas Ratio: 14.64%
Universal Tiered Checking - Relationship
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
UpdatedOct 27, 2026
Details

Qualifications Required; Balance: $5,000 - $49,999

Rate History
No change since Oct 8, 2026 · 2.50% APY · checked 4 times
2.00%2.50%3.00%Oct 8, 2026: 2.50% APYOct 8, 2026Oct 28, 2026
MyPoint Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
High-Yield Checking
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $30,000.00 - $49,999.99

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 9 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 28, 2026
The Golden 1 Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.50%
MarketRate Checking
2.50%
$25
▼
Rate2.47%
Min Deposit$25
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $250,000.00-$499,999.99; Minimum daily balance of $1,000 required to obtain APY; Apply online

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 7 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 28, 2026
Commonwealth Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Rewards Checking
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Rate Type: Variable; Other restrictions may apply

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 8 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 28, 2026
San Diego County Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.52%
High-Yield Checking
2.50%
$5,000
▼
Rate2.47%
Min Deposit$5,000
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $500,000.00 and over; APY = Annual Percentage Yield; Must maintain $25,000 average daily balance to avoid monthly fee; Must maintain $100 average daily balance to earn APY

Rate History
No change since Sep 18, 2026 · 2.50% APY · checked 3 times
2.00%2.50%3.00%Sep 18, 2026: 2.50% APYSep 18, 2026Oct 28, 2026
Kaiperm Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
Thrive Rewards Checking
2.35%
$25
▼
Rate2.33%
Min Deposit$25
Min BalanceN/A
UpdatedOct 23, 2026
Details

Qualifications Required; Balance: first $15,000.00 (qualifying tier); see Provision 8 for details

Rate History
No change since Sep 14, 2026 · 2.35% APY · checked 4 times
1.85%2.35%2.85%Sep 14, 2026: 2.35% APYSep 14, 2026Oct 28, 2026
Exchange Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.05%
State Bar Checking
2.28%
$0
▼
Rate2.26%
Min Deposit$0
Min BalanceN/A
UpdatedOct 27, 2026
Details

Balance: $50,000 - $99,999

Rate History
No change since Oct 22, 2026 · 2.28% APY · checked 3 times
1.78%2.28%2.78%Oct 22, 2026: 2.28% APYOct 22, 2026Oct 28, 2026
MyPoint Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
High-Yield Checking
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $15,000.00 - $29,999.99

Rate History
No change since Sep 14, 2026 · 2.25% APY · checked 9 times
1.75%2.25%2.75%Sep 14, 2026: 2.25% APYSep 14, 2026Oct 28, 2026

Hawthorne Rewards Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Sage Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.70%
Rewards Checking
7.00%
$0
▼
Rate6.78%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Rate History
No change since Sep 25, 2026 · 7.00% APY · checked 6 times
6.50%7.00%7.50%Sep 25, 2026: 7.00% APYSep 25, 2026Oct 28, 2026
Heritage Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.95%
Kasasa Cash Checking - Level 3
5.00%
$25
▼
Rate4.89%
Min Deposit$25
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; Balance: $0 - $25,000; Qualifying balance up to $25,000.00

Rate History
No change since Oct 14, 2026 · 5.00% APY · checked 3 times
4.50%5.00%5.50%Oct 14, 2026: 5.00% APYOct 14, 2026Oct 28, 2026
Sacramento Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
FREE REWARDS CHECKING
4.50%
$0
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; Balance: $0 - $25,000; Qualifying balance up to $25,000.00

Rate History
No change since Sep 22, 2026 · 4.50% APY · checked 6 times
4.00%4.50%5.00%Sep 22, 2026: 4.50% APYSep 22, 2026Oct 28, 2026
Families And Schools Together Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.29%
Rewards Checking
4.07%
$0
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Min to earn dividends: $0.05; Dividends paid monthly

Rate History
No change since Oct 12, 2026 · 4.07% APY · checked 2 times
3.57%4.07%4.57%Oct 12, 2026: 4.07% APYOct 12, 2026Oct 28, 2026
Heritage Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.95%
Kasasa Cash Checking - Level 2
4.00%
$25
▼
Rate3.93%
Min Deposit$25
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; Balance: $0 - $25,000; Level 2 Rewards

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 3 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 28, 2026
Heritage Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.95%
Kasasa Cash Checking - Level 1
3.50%
$25
▼
Rate3.45%
Min Deposit$25
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; Balance: $0 - $25,000; Qualifying balance up to $25,000.00

Rate History
No change since Oct 19, 2026 · 3.50% APY · checked 2 times
3.00%3.50%4.00%Oct 19, 2026: 3.50% APYOct 19, 2026Oct 28, 2026
Star One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
Rewards Checking Account
3.45%
$25
▼
Rate3.40%
Min Deposit$25
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; Refer to Section H of our Rate and Fee Schedule; Dividends compounded Monthly; Dividends credited Monthly and at Closure

Rate History
1 change since Sep 14, 2026 · 0.10% → 3.45% ▲ 3.35 pts · high 3.45% / low 0.10%
0.00%3.40%6.80%Sep 14, 2026: 0.10% APYOct 14, 2026: 3.45% APYSep 14, 2026Oct 28, 2026
  • Oct 14, 20263.45%▲ from 0.10%
  • Sep 14, 20260.10%first recorded
Upward Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.23%
Kasasa Cash Checking - Qualifying
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifying balance up to $10,000.00; Qualifying rates apply during the period in which the linked Kasasa Checking Account meets the Monthly Qualifications

Rate History
No change since Oct 13, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 13, 2026: 3.00% APYOct 13, 2026Oct 28, 2026
Glendale Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.37%
Kasasa Cash Checking
3.00%
$0
▼
Rate2.95%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Qualifications Required; Balance: 0 - $10,000

Rate History
No change since Oct 22, 2026 · 3.00% APY · checked 2 times
2.50%3.00%3.50%Oct 22, 2026: 3.00% APYOct 22, 2026Oct 28, 2026
Commonwealth Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Rewards Checking
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Rate Type: Variable; Other restrictions may apply

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 8 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 28, 2026
Kaiperm Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
Thrive Rewards Checking
2.35%
$25
▼
Rate2.33%
Min Deposit$25
Min BalanceN/A
UpdatedOct 23, 2026
Details

Qualifications Required; Balance: first $15,000.00 (qualifying tier); see Provision 8 for details

Rate History
No change since Sep 14, 2026 · 2.35% APY · checked 4 times
1.85%2.35%2.85%Sep 14, 2026: 2.35% APYSep 14, 2026Oct 28, 2026
BAC Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.09%
Diamond Rewards Checking
2.00%
$100
▼
Rate1.98%
Min Deposit$100
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; Balance: $0.00 - $10,000.00; Refer to Personal Deposit Accounts brochure for qualifications

Rate History
No change since Oct 22, 2026 · 2.00% APY · checked 2 times
1.50%2.00%2.50%Oct 22, 2026: 2.00% APYOct 22, 2026Oct 28, 2026
First Technology Federal Credit Union
Dividend Rewards Checking (Qualified Rate)
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $0.01 - $10,000.00; Qualified Rate; Effective Date: 10/01/2026

Rate History
No change since Oct 26, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 26, 2026: 2.00% APYOct 26, 2026Oct 28, 2026
Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
Smart REWARDS Checking
2.00%
$20
▼
Rate1.98%
Min Deposit$20
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; Balance: $100 - $15,000; Qualifying balance up to $15,000.00; Membership requires one-time non-refundable $5 fee

Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 8 times
1.50%2.00%2.50%Sep 18, 2026: 2.00% APYSep 18, 2026Oct 28, 2026
Provident Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
Super Reward Checking
1.40%
$25
▼
Rate1.39%
Min Deposit$25
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; Balance tier starting at $125,000; Rates valid as of October 25, 2026; No minimum balance required; APY is 0% if requirements are not met

Rate History
No change since Oct 9, 2026 · 1.40% APY · checked 4 times
0.90%1.40%1.90%Oct 9, 2026: 1.40% APYOct 9, 2026Oct 28, 2026
Provident Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
Super Reward Checking
1.35%
$25
▼
Rate1.34%
Min Deposit$25
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; Balance tier starting at $50,000; Rates valid as of October 25, 2026; No minimum balance required; APY is 0% if requirements are not met

Rate History
No change since Oct 9, 2026 · 1.35% APY · checked 4 times
0.85%1.35%1.85%Oct 9, 2026: 1.35% APYOct 9, 2026Oct 28, 2026
Provident Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
Super Reward Checking
1.30%
$25
▼
Rate1.29%
Min Deposit$25
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; Balance tier starting at $25,000; Rates valid as of October 25, 2026; No minimum balance required; APY is 0% if requirements are not met

Rate History
No change since Oct 9, 2026 · 1.30% APY · checked 4 times
0.80%1.30%1.80%Oct 9, 2026: 1.30% APYOct 9, 2026Oct 28, 2026
Provident Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
Super Reward Checking
1.26%
$25
▼
Rate1.25%
Min Deposit$25
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; Balance tier starting at $0.01; Rates valid as of October 25, 2026; No minimum balance required; APY is 0% if requirements are not met

Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 5 times
0.76%1.26%1.76%Sep 14, 2026: 1.26% APYSep 14, 2026Oct 28, 2026
TUCOEMAS
Institution Rating:
A+5.0 ★ Texas Ratio: 4.71%
KASASA Cash Checking
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; Balance: $0.00 - $5,000.00; ATM fees refunded up to $20 per month

Rate History
1 change since Sep 30, 2026 · 0.05% → 1.00% ▲ 0.95 pts · high 1.00% / low 0.05%
0.00%0.98%1.95%Sep 30, 2026: 0.05% APYOct 14, 2026: 1.00% APYSep 30, 2026Oct 28, 2026
  • Oct 14, 20261.00%▲ from 0.05%
  • Sep 30, 20260.05%first recorded
Foothill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
Rewards Checking
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; APY paid only if required qualifications are met each month (qualifications not itemized on page); Balance: <$2,500; Dividend Minimum: <$2,500

Rate History
1 change since Sep 18, 2026 · 2.50% → 1.00% ▼ 1.50 pts · high 2.50% / low 1.00%
0.00%2.00%4.00%Sep 18, 2026: 2.50% APYOct 1, 2026: 1.00% APYSep 18, 2026Oct 28, 2026
  • Oct 1, 20261.00%▼ from 2.50%
  • Sep 18, 20262.50%first recorded
Foothill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
Rewards Checking
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; APY paid only if required qualifications are met each month (qualifications not itemized on page); Balance: $2,500.01 - $5,000; Dividend Minimum: $2,500.01 - $5,000

Rate History
1 change since Sep 18, 2026 · 0.75% → 0.50% ▼ 0.25 pts · high 0.75% / low 0.50%
0.00%0.63%1.25%Sep 18, 2026: 0.75% APYOct 1, 2026: 0.50% APYSep 18, 2026Oct 28, 2026
  • Oct 1, 20260.50%▼ from 0.75%
  • Sep 18, 20260.75%first recorded
Foothill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
Rewards Checking
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; APY paid only if required qualifications are met each month (qualifications not itemized on page); Balance: $5,000.01 - $10,000; Dividend Minimum: $5,000.01 - $10,000

Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 9 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 28, 2026
Noble Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
Noble Perks Plus Checking
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

No additional details provided.

Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 11 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 28, 2026
Foothill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.28%
Rewards Checking
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; APY paid only if required qualifications are met each month (qualifications not itemized on page); Balance: >$10,000.01; Dividend Minimum: >$10,000.01

Rate History
2 changes since Sep 18, 2026 · 2.50% → 0.10% ▼ 2.40 pts · high 2.50% / low 0.10%
0.00%2.45%4.90%Sep 18, 2026: 2.50% APYOct 1, 2026: 1.00% APYOct 26, 2026: 0.10% APYSep 18, 2026Oct 28, 2026
  • Oct 26, 20260.10%▼ from 1.00%
  • Oct 1, 20261.00%▼ from 2.50%
  • Sep 18, 20262.50%first recorded
Credit Union of Southern California
Institution Rating:
A+5.0 ★ Texas Ratio: 2.65%
Rewards Checking
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

No additional details provided.

Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 9 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 28, 2026
Upward Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.23%
Non-Qualifying - Kasasa Cash Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: All balances in non-qualifying accounts; Non-Qualifying rates apply when the linked Kasasa Checking Account does not meet the Monthly Qualifications

Rate History
No change since Oct 26, 2026 · 0.05% APY
0.00%0.28%0.55%Oct 26, 2026: 0.05% APYOct 26, 2026Oct 28, 2026
First Technology Federal Credit Union
First Tech Rewards Checking (Qualified Rate)
0.01%
$10
▼
Rate0.01%
Min Deposit$10
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: All Balances

Rate History
No change since Oct 22, 2026 · 0.01% APY · checked 2 times
0.00%0.26%0.51%Oct 22, 2026: 0.01% APYOct 22, 2026Oct 28, 2026
First Technology Federal Credit Union
Dividend Rewards Checking (Non-Qualified Rate)
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: All balances; Non-Qualified Rate; Effective Date: 10/01/2026

First Technology Federal Credit Union
First Tech Premier Rewards Checking
0.00%
$10
▼
Rate0.00%
Min Deposit$10
Min BalanceN/A
UpdatedOct 26, 2026
Details

No additional details provided.

First Technology Federal Credit Union
First Tech Rewards Checking (Non-Qualified Rate)
0.00%
$10
▼
Rate0.00%
Min Deposit$10
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: All balances

Ventura County Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.65%
Simply Rewards Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Effective October 1, 2026; Monthly service fee waived with $1,500 avg. daily balance, or 8 debit card transactions within a month

Noble Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.29%
Noble Perks Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

No additional details provided.

Hawthorne Free Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
5360 W Rosecrans Ave
Hawthorne, CA 90250
Free Active Duty Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

No additional details provided.

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
5360 W Rosecrans Ave
Hawthorne, CA 90250
Free Campus Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

No additional details provided.

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
5360 W Rosecrans Ave
Hawthorne, CA 90250
Free Easy Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

No additional details provided.

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 28, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
5360 W Rosecrans Ave
Hawthorne, CA 90250
Free Everyday Checking
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

No additional details provided.

Rate History
No change since Sep 30, 2026 · 0.01% APY · checked 7 times
0.00%0.26%0.51%Sep 30, 2026: 0.01% APYSep 30, 2026Oct 28, 2026
Sacramento Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.33%
FREE REWARDS CHECKING
4.50%
$0
▼
Rate4.41%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; Balance: $0 - $25,000; Qualifying balance up to $25,000.00

Rate History
No change since Sep 22, 2026 · 4.50% APY · checked 6 times
4.00%4.50%5.00%Sep 22, 2026: 4.50% APYSep 22, 2026Oct 28, 2026
First Us Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
Better Than Free Checking
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; Balance: Up to $500 w/ direct deposit; Rate Type: Variable

Rate History
No change since Oct 10, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Oct 10, 2026: 1.00% APYOct 10, 2026Oct 28, 2026
Star One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
Free Checking Account
0.10%
$25
▼
Rate0.10%
Min Deposit$25
Min BalanceN/A
UpdatedOct 26, 2026
Details

Dividends Compounded Monthly; Dividends Credited Monthly and at Closure

Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 9 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 28, 2026
Orange Countys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
Everyday Checking
0.07%
$25
▼
Rate0.07%
Min Deposit$25
Min BalanceN/A
UpdatedOct 26, 2026
Details

Minimum balance to obtain APY: $1,400

Rate History
No change since Sep 14, 2026 · 0.07% APY · checked 9 times
0.00%0.29%0.57%Sep 14, 2026: 0.07% APYSep 14, 2026Oct 28, 2026
Pentagon Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.53%
Access America Checking Account
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; Balance: Balance $20,000 or more, up to $50,000; Earn dividends with recurring direct deposits of $500 or more and a daily balance up to $50,000 per statement cycle

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 28, 2026
ILWU Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.01%
FREE Checking
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

No additional details provided.

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 11 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 28, 2026
FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.13%
Basic Checking
0.03%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

No additional details provided.

Rate History
No change since Sep 14, 2026 · 0.03% APY · checked 11 times
0.00%0.27%0.53%Sep 14, 2026: 0.03% APYSep 14, 2026Oct 28, 2026
Altos Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Essentials Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $0.00 - $9,999.99; Consumer & Business

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.84%
Simple Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $0 to $2,499

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.84%
Simple Free Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $0 to $2,499

First Technology Federal Credit Union
Carefree Checking
0.00%
$10
▼
Rate0.00%
Min Deposit$10
Min BalanceN/A
UpdatedOct 26, 2026
Details

Effective Date: 10/01/2026; No minimum Average Daily Balance to avoid fee; Dividend compounded daily & credited monthly

Travis Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
Access Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

No additional details provided.

Travis Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
Free Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Minimum balance to obtain APY: N/A

Ventura County Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 19.65%
Simply Essential Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Effective October 1, 2026

Orange Countys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
Access Checking
0.00%
$25
▼
Rate0.00%
Min Deposit$25
Min BalanceN/A
UpdatedOct 26, 2026
Details

No additional details provided.

Monterra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
Free Checking
0.00%
$20
▼
Rate0.00%
Min Deposit$20
Min BalanceN/A
UpdatedOct 26, 2026
Details

No additional details provided.

Commonwealth Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.92%
Free Checking w/ eStatements
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Rate Type: Variable

Hawthorne Student Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
5360 W Rosecrans Ave
Hawthorne, CA 90250
Free Campus Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

No additional details provided.

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 28, 2026
Schools Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
Teen Checking
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $10

Rate History
No change since Oct 23, 2026 · 1.00% APY
0.50%1.00%1.50%Oct 23, 2026: 1.00% APYOct 23, 2026Oct 28, 2026
Star One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.64%
Student Checking Account
0.10%
$25
▼
Rate0.10%
Min Deposit$25
Min BalanceN/A
UpdatedOct 26, 2026
Details

Age 25 or under; Dividends Compounded: Monthly; Dividends Credited: Monthly and at Closure; Minimum Balance to Earn Stated APY:

Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 9 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 28, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
YOUth Journey Checking
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min BalanceN/A
UpdatedOct 23, 2026
Details

No additional details provided.

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 9 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 28, 2026
Kaiperm Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
Student Checking
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min BalanceN/A
UpdatedOct 23, 2026
Details

No additional details provided.

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 9 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 28, 2026
Monterra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.93%
Student Checking (Ages 13-17)
0.00%
$20
▼
Rate0.00%
Min Deposit$20
Min BalanceN/A
UpdatedOct 26, 2026
Details

No additional details provided.

Hawthorne Business Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.19%
Epic Business Premium Checking Business
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Tier 4; Avg. Daily; Balance: $250,000 tier

Rate History
No change since Oct 12, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 12, 2026: 3.00% APYOct 12, 2026Oct 28, 2026
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.19%
Epic Business Checking Business
2.75%
$0
▼
Rate2.72%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $250,000 (Tier 4)

Rate History
No change since Oct 12, 2026 · 2.75% APY · checked 3 times
2.25%2.75%3.25%Oct 12, 2026: 2.75% APYOct 12, 2026Oct 28, 2026
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.19%
Epic Business Premium Checking Business
2.50%
$0
▼
Rate2.47%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Tier 3; Avg. Daily; Balance: $100,000 tier

Rate History
No change since Oct 12, 2026 · 2.50% APY · checked 3 times
2.00%2.50%3.00%Oct 12, 2026: 2.50% APYOct 12, 2026Oct 28, 2026
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.19%
Epic Business Checking Business
2.25%
$0
▼
Rate2.23%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $100,000 (Tier 3)

Rate History
No change since Oct 12, 2026 · 2.25% APY · checked 3 times
1.75%2.25%2.75%Oct 12, 2026: 2.25% APYOct 12, 2026Oct 28, 2026
Eagle Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.63%
Premier Business Checking Business
2.00%
$100
▼
Rate1.98%
Min Deposit$100
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $0

Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 9 times
1.50%2.00%2.50%Sep 18, 2026: 2.00% APYSep 18, 2026Oct 28, 2026
Poppy Bank
Institution Rating:
B+4.8 ★ Texas Ratio: 16.92%
Premier Business Checking Business
0.50%
$0
▼
Rate0.49%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Monthly service fee: $50 (free if minimum balance requirement is met); Paper statement fee: $5 (free if electronic statements are elected); Deposit/check fees: 150 free per month, then $0.50/item

Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 9 times
0.00%0.50%1.00%Sep 18, 2026: 0.50% APYSep 18, 2026Oct 28, 2026
Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
Business Elite Checking Business
0.30%
$2,500
▼
Rate0.30%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 26, 2026
Details

Business Checking; Variable rate account; APY calculated on minimum average daily balance

Rate History
No change since Oct 19, 2026 · 0.30% APY · checked 2 times
0.00%0.40%0.80%Oct 19, 2026: 0.30% APYOct 19, 2026Oct 28, 2026
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.33%
High-Yield Business Checking Business
0.30%
$1
▼
Rate0.30%
Min Deposit$1
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $250,000 - $999,999.99; Balance to earn dividends: $2,000

Rate History
No change since Oct 9, 2026 · 0.30% APY · checked 4 times
0.00%0.40%0.80%Oct 9, 2026: 0.30% APYOct 9, 2026Oct 28, 2026
United Pacific Bank
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
Business High Yield Checking Business
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $100,000 & Over; Minimum Daily Balance of $2,500 to Obtain the APY

Rate History
No change since Oct 7, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Oct 7, 2026: 0.25% APYOct 7, 2026Oct 28, 2026
Poppy Bank
Institution Rating:
B+4.8 ★ Texas Ratio: 16.92%
Preferred Business Checking Business
0.25%
$0
▼
Rate0.24%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Monthly service fee: $25 (free if minimum balance requirement is met); Paper statement fee: $5 (free if electronic statements are elected); Deposit/check fees: 100 free per month, then $0.50/item

Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 9 times
0.00%0.38%0.75%Sep 18, 2026: 0.25% APYSep 18, 2026Oct 28, 2026
WaFd Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
Business Interest Checking Business
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $10,000 - $7,999,999; $1,000 minimum to earn interest; $5,000 minimum to avoid $15 service charge; Open Online

Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 10 times
0.00%0.38%0.75%Sep 18, 2026: 0.25% APYSep 18, 2026Oct 28, 2026
Inova Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.94%
Business Dividend Checking Business
0.25%
$10
▼
Rate0.25%
Min Deposit$10
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $5,000; Minimum daily balance of $5,000.00 required to avoid a monthly service fee of $10.00

Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 9 times
0.00%0.38%0.75%Sep 18, 2026: 0.25% APYSep 18, 2026Oct 28, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
Premier Business Checking Business
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

No additional details provided.

Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 10 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 28, 2026
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.33%
High-Yield Business Checking Business
0.25%
$1
▼
Rate0.25%
Min Deposit$1
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $100,000 - $249,999.99; Balance to earn dividends: $2,000

Rate History
No change since Oct 9, 2026 · 0.25% APY · checked 4 times
0.00%0.38%0.75%Oct 9, 2026: 0.25% APYOct 9, 2026Oct 28, 2026
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.19%
Epic Business Checking Business
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $25,000 (Tier 2)

Rate History
No change since Oct 12, 2026 · 0.25% APY · checked 3 times
0.00%0.38%0.75%Oct 12, 2026: 0.25% APYOct 12, 2026Oct 28, 2026
Oceanair Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.19%
Epic Business Premium Checking Business
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Tier 2; Avg. Daily; Balance: $25,000 tier

Rate History
No change since Oct 12, 2026 · 0.25% APY · checked 3 times
0.00%0.38%0.75%Oct 12, 2026: 0.25% APYOct 12, 2026Oct 28, 2026
Home Bank of California
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Better Business Interest Checking Business
0.20%
$500
▼
Rate0.20%
Min Deposit$500
Min BalanceN/A
UpdatedOct 27, 2026
Details

Interest Checking; Min. Daily Balance $2,500

Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 10 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 28, 2026
United Pacific Bank
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
Business High Yield Checking Business
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $25,000 - $49,999; Minimum Daily Balance of $2,500 to Obtain the APY

Rate History
No change since Oct 7, 2026 · 0.20% APY · checked 4 times
0.00%0.35%0.70%Oct 7, 2026: 0.20% APYOct 7, 2026Oct 28, 2026
Premier America Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.97%
Platinum Business Checking Business
0.20%
$25
▼
Rate0.19%
Min Deposit$25
Min BalanceN/A
UpdatedOct 26, 2026
Details

Open at Nearest Branch

Rate History
No change since Sep 18, 2026 · 0.20% APY · checked 8 times
0.00%0.35%0.70%Sep 18, 2026: 0.20% APYSep 18, 2026Oct 28, 2026
Valley First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Interest Business Checking Business
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $25,000 or greater

Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 9 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 28, 2026
Coast Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
Business Interest Checking (5200, 6200) Business
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

No additional details provided.

Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 8 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 28, 2026
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.33%
High-Yield Business Checking Business
0.20%
$1
▼
Rate0.20%
Min Deposit$1
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $25,000 - $49,999.99; Balance to earn dividends: $2,000

Rate History
No change since Oct 9, 2026 · 0.20% APY · checked 4 times
0.00%0.35%0.70%Oct 9, 2026: 0.20% APYOct 9, 2026Oct 28, 2026
American United Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.55%
Business Premier Checking Business
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $500+

Rate History
No change since Sep 12, 2026 · 0.20% APY · checked 7 times
0.00%0.35%0.70%Sep 12, 2026: 0.20% APYSep 12, 2026Oct 28, 2026
United Pacific Bank
Institution Rating:
A5.0 ★ Texas Ratio: 12.00%
Business High Yield Checking Business
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $2,500 - $24,999; Minimum Daily Balance of $2,500 to Obtain the APY

Rate History
No change since Sep 29, 2026 · 0.15% APY · checked 7 times
0.00%0.33%0.65%Sep 29, 2026: 0.15% APYSep 29, 2026Oct 28, 2026
WaFd Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.48%
Business Interest Checking Business
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $1,000 - $9,999; $1,000 minimum to earn interest; $5,000 minimum to avoid $15 service charge; Open Online

Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 10 times
0.00%0.33%0.65%Sep 18, 2026: 0.15% APYSep 18, 2026Oct 28, 2026
State Bank of India US
Institution Rating:
A5.0 ★ Texas Ratio: 7.01%
Interest Business Checking Account Business
0.15%
$2,500
▼
Rate0.15%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 26, 2026
Details

No additional details provided.

Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 9 times
0.00%0.33%0.65%Sep 18, 2026: 0.15% APYSep 18, 2026Oct 28, 2026
Valley First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Impact Business Checking Business
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $250,000 or greater

Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 9 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 28, 2026
Valley First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Interest Business Checking Business
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $10,000 - $24,999.99

Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 9 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 28, 2026
Vision One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
20/20 Business Checking Business
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $40,000 & Above

Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 8 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 28, 2026
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.33%
High-Yield Business Checking Business
0.15%
$1
▼
Rate0.15%
Min Deposit$1
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $10,000 - $24,999.99; Balance to earn dividends: $2,000

Rate History
No change since Oct 9, 2026 · 0.15% APY · checked 4 times
0.00%0.33%0.65%Oct 9, 2026: 0.15% APYOct 9, 2026Oct 28, 2026
Summit State Bank
Institution Rating:
B4.7 ★ Texas Ratio: 19.25%
Business Checking with Interest Business
0.12%
$0
▼
Rate0.12%
Min Deposit$0
Min BalanceN/A
UpdatedOct 27, 2026
Details

Balance: $2,500 and above

Rate History
No change since Sep 8, 2026 · 0.12% APY · checked 13 times
0.00%0.31%0.62%Sep 8, 2026: 0.12% APYSep 8, 2026Oct 28, 2026
FFB Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.10%
Business Interest Checking Business
0.10%
$100
▼
Rate0.10%
Min Deposit$100
Min BalanceN/A
UpdatedOct 27, 2026
Details

No additional details provided.

Rate History
No change since Sep 29, 2026 · 0.10% APY · checked 10 times
0.00%0.30%0.60%Sep 29, 2026: 0.10% APYSep 29, 2026Oct 28, 2026
Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.20%
Business Essentials Checking Business
0.10%
$1,500
▼
Rate0.10%
Min Deposit$1,500
Min BalanceN/A
UpdatedOct 26, 2026
Details

Business Checking; Variable rate account; APY calculated on minimum average daily balance

Rate History
No change since Oct 19, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 19, 2026: 0.10% APYOct 19, 2026Oct 28, 2026
Valley First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.80%
Interest Business Checking Business
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $5,000 - $9,999.99

Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 9 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 28, 2026
Orange Countys Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
Business Checking Business
0.10%
$100
▼
Rate0.00%
Min Deposit$100
Min BalanceN/A
UpdatedOct 26, 2026
Details

Average Monthly Balance to Avoid Service Fee: $1,500

Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 9 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 28, 2026
SAFE Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.24%
Business Checking Business
0.10%
$25
▼
Rate0.10%
Min Deposit$25
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $50,000 - $99,999.99; Dividends paid monthly

Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 8 times
0.00%0.30%0.60%Sep 18, 2026: 0.10% APYSep 18, 2026Oct 28, 2026
Vision One Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.10%
20/20 Business Checking Business
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $10,000-$39,999

Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 8 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 28, 2026
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
Small Business Checking Business
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Effective Date: October 1, 2026

Rate History
No change since Oct 22, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 22, 2026: 0.10% APYOct 22, 2026Oct 28, 2026
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.33%
High-Yield Business Checking Business
0.10%
$1
▼
Rate0.10%
Min Deposit$1
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $0.01 - $9,999.99; Balance to earn dividends: $2,000

Rate History
No change since Oct 9, 2026 · 0.10% APY · checked 4 times
0.00%0.30%0.60%Oct 9, 2026: 0.10% APYOct 9, 2026Oct 28, 2026
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.33%
Non-Profit Business Checking Business
0.10%
$500
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
UpdatedOct 26, 2026
Details

For organizations, associations, and non-profit corporations

Rate History
No change since Oct 19, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 19, 2026: 0.10% APYOct 19, 2026Oct 28, 2026

Hawthorne, CA Checking Rate Trends

Compare local Hawthorne, CA 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 California Checking Trends
High-Yield Checking CA Avg
1.716%
▼ 0.025 vs 7 days ago

California high-yield checking rates fell 0.025 points over the past 7 days to 1.716% APY.

Free Checking CA Avg
0.373%
▼ 0.036 vs 7 days ago

California free checking rates fell 0.036 points over the past 7 days to 0.373% APY.

As of Oct 28, 2026 • Rate data sourced from 8,500+ monitored institutions

Hawthorne, CA Checking Rate Forecast, Next 12 Months

Checking APYs move with Federal Reserve policy. Our model projects the likely path of high-yield and free checking averages from the current California figures.

Current High-Yield Avg
1.72%
APY, as of Oct 28, 2026
6-Month Forecast
1.77%
Fed hold assumed
12-Month Forecast
1.82%
Range: 1.57% to 2.02%
Forecast Methodology & Assumptions

Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; deposit institutions typically pass policy-rate changes through to checking APYs within 60 to 90 days. Reward and high-yield checking adjust faster than standard accounts.

Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.

Powered byMonitorBankRates

Top Checking Rates from Hawthorne, California Institutions

Highest verified APYs available today, updated October 27, 2026. Advertised rates typically require qualifying monthly activity.

B Top 5 Bank Rates
US Bank
Bank Smartly Checking
A+ 5.0 ★ TX: 2.85%
Min: $25
0.01%
Exchange Bank
State Bar Checking
A+ 5.0 ★ TX: 4.05%
Min: $0
3.28%
Universal Bank
Universal Tiered Checking - Relationship
A- 5.0 ★ TX: 14.64%
Min: $0
2.60%
State Bank of India US
Attorney Client Checking Account
A 5.0 ★ TX: 7.01%
Min: $100
2.55%
BAC Community Bank
Diamond Rewards Checking
A+ 5.0 ★ TX: 1.09%
Min: $100
2.00%
CU Top 5 Credit Union Rates
Navy Federal Credit Union
Flagship Checking
A 5.0 ★ TX: 8.14%
Min: $0
0.45%
Kinecta Federal Credit Union
Checking ProtectPlus
A+ 5.0 ★ TX: 3.82%
Min: $0
0.25%
Rize Federal Credit Union
RizeTM Checking
A 5.0 ★ TX: 6.24%
Min: $0
7.50%
Sage Credit Union
Rewards Checking
A+ 5.0 ★ TX: 5.70%
Min: $0
7.00%
Heritage Community Credit Union
Kasasa Cash Checking - Level 3
A+ 5.0 ★ TX: 5.95%
Min: $25
5.00%
Rates verified October 27, 2026 . Click an institution name to view its full profile, safety ratings, and all checking products.
Powered byMonitorBankRates

What Your Balance Earns at CA Checking Averages

Annual interest earnings at current California average APYs. Advertised high-yield rates typically require qualifying monthly activity, and most accounts cap the balance that earns the top rate. The calculator below models your exact balance against a cap.

Balance High-Yield Checking (1.716% APY)Monthly Earnings Free Checking (0.373% APY)Monthly Earnings
$2,500 $42.90 / year $3.57 $9.32 / year $0.78
$5,000 $85.80 / year $7.15 $18.63 / year $1.55
$10,000 $171.60 / year $14.30 $37.27 / year $3.11
$25,000 $429.00 / year $35.75 $93.18 / year $7.77
Earnings estimates assume the full balance earns the average APY with qualifying requirements met every month. Actual earnings depend on the account’s rate cap, base rate, and whether requirements are met. The top offers above pay well over these averages. Source: California checking rate averages as of October 28, 2026.
Powered byMonitorBankRates
51
Institutions with Checking Rates
Available in Hawthorne, California
18 Banks 33 Credit Unions

About Our Hawthorne, California Checking Rate Database

MonitorBankRates tracks checking account rates from 18 banks and 33 credit unions offering checking accounts to Hawthorne, California residents, spanning high-yield, rewards, free, student, and business checking from community institutions, regional banks, and national online options. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website, no estimates, no national averages passed off as real offers.

Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1 to 5), and Texas Ratio, objective financial health metrics calculated from FDIC and NCUA regulatory data, so you can compare yield and institutional safety in one place.

Current top rate: Navy Federal Credit Union offers a checking account at 0.45% APY. High-yield checking rates typically require qualifying monthly activity. Check the account details before opening.

How to Find the Best Checking Rates in Hawthorne, California

What to compare when shopping for an interest-bearing checking account in Hawthorne, California

To find the best checking APYs in Hawthorne, California, start with credit unions and online-only banks: Hawthorne, California has 33 credit unions in our database, and they dominate the high-yield and rewards checking market because they have lower overhead than traditional branch networks and use high rates to win your primary banking relationship.

Read the qualifying requirements before you’re drawn in by the headline rate. Most high-yield checking accounts require 10 to 15 debit card transactions per month, a direct deposit or ACH transfer, and e-statements. Miss them in a given month and you earn a near-zero base rate instead. Also check the balance cap: the advertised APY usually applies only up to $10,000 to $25,000. The current CA high-yield checking average is 1.716% Use the tables above to find the best available offer.

Finally, weigh fees and access: a monthly maintenance fee can erase a year of interest on a modest balance, and out-of-network ATM fees add up fast. The best accounts pair a high rate with no monthly fee and nationwide ATM access or ATM-fee reimbursement, worth checking if an institution has branches or in-network ATMs near you in Hawthorne, California.

When High-Yield Checking Makes Sense

  • You already use a debit card regularly: the transaction requirements cost you nothing extra
  • Your everyday balance sits under the account’s rate cap, so your whole balance earns the top APY
  • You want your spending money earning savings-level interest instead of 0%
  • You prefer banking locally: 51 institutions serving Hawthorne, California report checking rates to our database

Consider an Alternative If…

Hawthorne, California Financial Snapshot

Local demographics and economic context for account holders. Source: U.S. Census Bureau

Population 65+
10.2%
National avg: 17.3%
Median Individual Earnings
$38,595
National avg: $47,340
Poverty Rate
15.5%
National avg: 11.1%
Unemployment Rate
7.8%
National avg: 4.8%
Checking Earnings on 10% of Salary
$66/yr
At CA HY checking avg 1.716% APY

At today’s CA high-yield checking average of 1.716%, keeping 10% of the local median salary ($3,859) in a high-yield checking account would earn $66 annually, money a 0% traditional checking account leaves on the table. The top offers above pay even more.

Data: U.S. Census Bureau and U.S. Bureau of Labor Statistics.

High-Yield Checking vs. Other Hawthorne, California Options

How interest-bearing checking accounts compare to the other deposit products available at banks and credit unions in Hawthorne, California.

Feature High-Yield Checking Free Checking High-Yield Savings Money Market
Current CA Avg APY 1.716% 0.373% View Savings Rates View MMA Rates
Monthly Activity Required ✗ Usually yes (debit + direct deposit) ✓ None ✓ None ✓ None
Balance Cap on Top Rate Common ($10K, $25K) Little or no interest paid ✓ Rarely Tiered: higher balances earn more
FDIC / NCUA Insured ✓ Up to $250K ✓ Up to $250K ✓ Up to $250K ✓ Up to $250K
Checks & Debit Card ✓ Unlimited ✓ Unlimited ✗ No ✓ Limited per month
Best For Everyday spending money that also earns Simple no-fee banking, modest balances Emergency fund, larger balances Larger balances wanting some check access

APY data reflects California averages tracked in our database as of October 28, 2026. Rates are variable and may differ by institution. See individual product pages for full details.

Hawthorne, California Checking Account Interest Calculator

See what an interest-bearing checking account earns on your everyday balance. Most high-yield accounts only pay the advertised APY up to a balance cap. Enter the cap to see the real number, or leave it at 0 for uncapped accounts. Click any current Hawthorne, California rate on the right to apply it. Interest compounds monthly.

Interest Earned
$0
Balance Earning Top Rate
$0
Ending Balance
$0

Assumes monthly compounding, qualifying requirements met every cycle, and that balances above the cap earn 0%. Checking rates are variable and can change at any time. Estimates are for informational purposes only.

Current Hawthorne, California Checking Rates

Verified October 27, 2026 · click a rate to use it
Rates shown are actual verified offers available in Hawthorne, California and daily averages from our monitoring database. Check each account’s qualifying requirements and rate cap, then model them here. See the full tables above for all offers.

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Hawthorne, California 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 Hawthorne, California 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 Hawthorne, California. 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 CA.

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

What are checking account rates in Hawthorne, California today?

Hawthorne, California checking account rates range from 0.01% to 7.50% APY, verified by MonitorBankRates as of October 27, 2026. Top rates include 0.45% APY at Navy Federal Credit Union (Flagship Checking), 0.25% at Kinecta Federal Credit Union (Checking ProtectPlus) and 0.01% at US Bank (Bank Smartly Checking), compared with the MonitorBankRates national high yield checking average of 2.07% APY.

Do checking accounts in Hawthorne, California earn interest?

Most traditional local checking accounts in Hawthorne, California 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 Hawthorne, California FDIC insured?

Yes. Legitimate banks with branches in Hawthorne, California 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.

What do I need to do to qualify for a high-yield checking rate in Hawthorne, California?

Most high-yield and rewards checking accounts require qualifying activity each month, typically 10 to 15 debit card transactions, at least one direct deposit or ACH transfer, and e-statement enrollment. Miss the requirements in a given month and the account usually pays a nominal base rate for that cycle instead of the advertised APY.

Is there a limit on how much of my balance earns the top rate?

Usually, yes. Most high-yield checking accounts pay their advertised APY only on balances up to a cap, commonly $10,000 to $25,000. Amounts above the cap earn a much lower rate, often near 0%. Use the calculator above to model your exact balance against a rate cap.

How do I open a checking account in Hawthorne, California?

You can open a checking account online or in person at a local branch. You will generally need a government-issued photo ID, your Social Security number, and an opening deposit. Many high-yield checking accounts have low or no minimum opening deposits.

Best Checking Rates in Hawthorne, California

Based on our current data, some of the highest checking account APYs available to residents of Hawthorne, California include:
  • Navy Federal Credit Union
    Flagship Checking: 0.45% APY
  • Kinecta Federal Credit Union
    Checking ProtectPlus: 0.25% APY
  • US Bank
    Bank Smartly Checking: 0.01% APY
  • Rize Federal Credit Union
    RizeTM Checking: 7.50% APY
  • Sage Credit Union
    Rewards Checking: 7.00% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Hawthorne, California. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: October 27, 2026

Hawthorne, California Rates & Resources