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Checking Rate Trends

Walthourville, Georgia Best Checking Accounts & Rates October 2026

Walthourville, Georgia checking account rates from banks and credit unions serving Georgia range from 0.01% to 7.00% APY, verified by MonitorBankRates as of October 31, 2026. The best checking rates for Walthourville, Georgia include iThink Financial Credit UnioniThink Financial Credit UnionA+5.0 ★Texas Ratio: 5.06%Rate verified Oct 30, 2026 myChoice Checking Account at 7.00% APY, LGE Community Credit UnionLGE Community Credit UnionA+5.0 ★Texas Ratio: 2.70%Rate verified Oct 30, 2026 High Rewards Checking at 5.75% APY, Midsouth Community Federal Credit UnionMidsouth Community Federal Credit UnionA+5.0 ★Texas Ratio: 4.28%Rate verified Oct 28, 2026 iChecking Account at 5.01% APY, Altamaha Bank & Trust CompanyAltamaha Bank & Trust CompanyA+5.0 ★Texas Ratio: 2.71%Rate verified Oct 26, 2026 Rewards Interest Checking at 5.00% APY, and Center Parc Credit UnionCenter Parc Credit UnionA+5.0 ★Texas Ratio: 5.56%Rate verified Oct 30, 2026 Kasasa Cash Checking at 5.00% APY. Checking account rates as of October 31, 2026 according to verified data from MonitorBankRates.

Walthourville is a smaller community with no bank or credit union branches currently in our database. 46 institutions serving the Georgia area are available to Walthourville residents, with checking rates as high as 7.00% APY from iThink Financial Credit Union. Rates are continually updated, so we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in Walthourville, Georgia. Checking Account Rates Last Updated and Verified: October 31, 2026

Compare Checking Account Rates Today in Walthourville, Georgia & the Surrounding Area

Institutions:

Walthourville Checking Account Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
iThink Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
myChoice Checking Account
7.00%
$25
▼
Rate6.82%
Min Deposit$25
Min BalanceN/A
UpdatedOct 30, 2026
Details

Balance: $0.00 - $3,000; $25 Opening Deposit Required

Rate History
No change since Sep 14, 2026 · 7.00% APY · checked 9 times
6.50%7.00%7.50%Sep 14, 2026: 7.00% APYSep 14, 2026Oct 31, 2026
LGE Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
High Rewards Checking
5.75%
$0
▼
Rate5.60%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

Qualifications Required; Balance: up to $25,000.00; Rate is paid only on balances up to $25,000.00; membership eligibility required; split rate tier structure; becomes non-dividend bearing if requirements are not met for the dividend period

Rate History
No change since Sep 18, 2026 · 5.75% APY · checked 10 times
5.25%5.75%6.25%Sep 18, 2026: 5.75% APYSep 18, 2026Oct 31, 2026
Midsouth Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
iChecking Account
5.01%
$25
▼
Rate5.00%
Min Deposit$25
Min BalanceN/A
UpdatedOct 28, 2026
Details

Qualifications Required; Number of Transactions: 50+; Balance: rates paid on average daily balance up to $10,000.00; Online Banking, eStatements, valid email and direct deposit required

Rate History
No change since Sep 25, 2026 · 5.01% APY · checked 8 times
4.51%5.01%5.51%Sep 25, 2026: 5.01% APYSep 25, 2026Oct 31, 2026
Altamaha Bank & Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
Rewards Interest Checking
5.00%
$100
▼
Rate4.88%
Min Deposit$100
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; Balance: 0 - $10,000; Qualifying balance up to $10,000.00

Rate History
No change since Sep 24, 2026 · 5.00% APY · checked 7 times
4.50%5.00%5.50%Sep 24, 2026: 5.00% APYSep 24, 2026Oct 31, 2026
Center Parc Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
Kasasa Cash Checking
5.00%
$1
▼
Rate4.89%
Min Deposit$1
Min BalanceN/A
UpdatedOct 30, 2026
Details

Balance: $0.00 - $25,000.00; Rate applies when qualifications are met

Rate History
No change since Oct 22, 2026 · 5.00% APY · checked 3 times
4.50%5.00%5.50%Oct 22, 2026: 5.00% APYOct 22, 2026Oct 31, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
High Yield Checking
4.75%
$1,000
▼
Rate4.65%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 30, 2026
Details

Minimum: $1,000 Direct Deposit; Qualifications Required; Qualifying balance up to $10,000.00; Balances over $10,000 earn 0.01% APY

Rate History
No change since Sep 14, 2026 · 4.75% APY · checked 10 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APYSep 14, 2026Oct 31, 2026
Midsouth Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
iChecking Account
4.01%
$25
▼
Rate4.00%
Min Deposit$25
Min BalanceN/A
UpdatedOct 28, 2026
Details

Qualifications Required; Number of Transactions: 40-49; Balance: rates paid on average daily balance up to $10,000.00; Online Banking, eStatements, valid email and direct deposit required

Rate History
No change since Sep 25, 2026 · 4.01% APY · checked 8 times
3.51%4.01%4.51%Sep 25, 2026: 4.01% APYSep 25, 2026Oct 31, 2026
Security Federal Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
High Yield Checking
4.00%
$1,000
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 31, 2026
Details

Qualifications Required; Balance: $0.00 - $10,000.00 (APY on portion of daily balance under $10,000); $12 monthly fee waived with $1,000 daily minimum balance; ATM fee refunds up to $25 per cycle

Rate History
No change since Sep 8, 2026 · 4.00% APY · checked 13 times
3.50%4.00%4.50%Sep 8, 2026: 4.00% APYSep 8, 2026Oct 31, 2026
Security Federal Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
Premium Checking
4.00%
$2,500
▼
Rate3.93%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 31, 2026
Details

Qualifications Required; Balance: $0.00 - $10,000.00 (APY on portion of daily balance under $10,000); $15 monthly fee waived with $2,500 daily minimum balance; $1,200 per year cell phone protection; ATM fee refunds up to $25 per cycle

Rate History
No change since Sep 8, 2026 · 4.00% APY · checked 13 times
3.50%4.00%4.50%Sep 8, 2026: 4.00% APYSep 8, 2026Oct 31, 2026
First Port City Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
Port City Rewards Interest Checking
4.00%
$100
▼
Rate3.93%
Min Deposit$100
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required: 10 PIN-Based or Signature-Based Debit Card Purchases Per Month; Enrolled in and Agree to Receive E-Statements; Qualifications: 10 PIN or signature debit card purchases per month and e-statements; balance tier 0 - $25,000; ATM withdrawal fee reimbursement up to $25.00

Rate History
No change since Sep 19, 2026 · 4.00% APY · checked 10 times
3.50%4.00%4.50%Sep 19, 2026: 4.00% APYSep 19, 2026Oct 31, 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 30, 2026
Details

Balance: up to $15,000; Introductory APY 8.00%; Introductory Dividend Rate 7.72%

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 31, 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 30, 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 3 times
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 31, 2026
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Student Checking
3.56%
$25
▼
Rate3.50%
Min Deposit$25
Min BalanceN/A
UpdatedOct 28, 2026
Details

Student checking up to age 23; 3.56% APY paid on deposits up to $1,000. Restrictions apply.

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 8 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 31, 2026
Associated Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
PRO$PER Checking
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
UpdatedOct 29, 2026
Details

Balance: $0 - $24,999; Pays lower tier rate on entire balance when Tier One requirements are not met; Compounding: Monthly; Dividends: Monthly; Good Through: October 31, 2026; Effective: October 1, 2026

Rate History
No change since Sep 29, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 31, 2026
Midsouth Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
iChecking Account
3.00%
$25
▼
Rate3.00%
Min Deposit$25
Min BalanceN/A
UpdatedOct 28, 2026
Details

Qualifications Required; Number of Transactions: 30-39; Balance: rates paid on average daily balance up to $10,000.00; Online Banking, eStatements, valid email and direct deposit required

Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 25, 2026: 3.00% APYSep 25, 2026Oct 31, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
UIC Ignite Checking
2.55%
$0
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

Net Direct Deposit required to open

Rate History
No change since Sep 14, 2026 · 2.55% APY · checked 10 times
2.05%2.55%3.05%Sep 14, 2026: 2.55% APYSep 14, 2026Oct 31, 2026
Loyal Trust Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.99%
Platinum Checking
2.00%
$100
▼
Rate1.98%
Min Deposit$100
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $5,000 and greater; Avoid $20 monthly service charge with $5,000 average monthly balance

Rate History
No change since Oct 7, 2026 · 2.00% APY · checked 4 times
1.50%2.00%2.50%Oct 7, 2026: 2.00% APYOct 7, 2026Oct 31, 2026
First Technology Federal Credit Union
Dividend Rewards Checking (Qualified Rate)
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 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 · checked 2 times
1.50%2.00%2.50%Oct 26, 2026: 2.00% APYOct 26, 2026Oct 31, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Youth Checking
2.00%
$0
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 29, 2026
Details

Balance: Up to $1,000

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 10 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 31, 2026
Midsouth Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
iChecking Account
2.00%
$25
▼
Rate2.00%
Min Deposit$25
Min BalanceN/A
UpdatedOct 28, 2026
Details

Qualifications Required; Number of Transactions: 20-29; Balance: rates paid on average daily balance up to $10,000.00; Online Banking, eStatements, valid email and direct deposit required

Rate History
No change since Sep 25, 2026 · 2.00% APY · checked 8 times
1.50%2.00%2.50%Sep 25, 2026: 2.00% APYSep 25, 2026Oct 31, 2026
Southern Bank Sardis, GA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
VIP Checking
1.89%
$50
▼
Rate1.88%
Min Deposit$50
Min BalanceN/A
UpdatedOct 27, 2026
Details

Balance: $10,000 up to $24,999.99

Rate History
No change since Sep 28, 2026 · 1.89% APY · checked 7 times
1.39%1.89%2.39%Sep 28, 2026: 1.89% APYSep 28, 2026Oct 31, 2026
FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
FirstRewards Checking
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
UpdatedOct 31, 2026
Details

Qualifications Required; Balance: $0.00 - $25,000.00; Qualifying balance up to $25,000.00; Non-FirstBank ATM fees refunded each cycle; Base rate .01% APY when qualifications not met

Rate History
No change since Sep 18, 2026 · 1.51% APY · checked 10 times
1.01%1.51%2.01%Sep 18, 2026: 1.51% APYSep 18, 2026Oct 31, 2026
Southeastern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
Business Checking Business
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

No additional details provided.

Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 10 times
0.76%1.26%1.76%Sep 14, 2026: 1.26% APYSep 14, 2026Oct 31, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
PowerPlus Checking - Level 1
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

Balance: up to $15,000; Introductory APY 4.00%; Introductory Dividend Rate 3.93%

Rate History
No change since Oct 14, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Oct 14, 2026: 1.00% APYOct 14, 2026Oct 31, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
PowerPlusTM Checking - Level 1
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

Balance: $0.00 - $15,000.00; Introductory APY: 4.00%; Introductory Dividend Rate: 3.93%

Rate History
No change since Oct 19, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Oct 19, 2026: 1.00% APYOct 19, 2026Oct 31, 2026
Center Parc Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
Business Advantage Checking Plus Business
1.00%
$100
▼
Rate1.00%
Min Deposit$100
Min BalanceN/A
UpdatedOct 30, 2026
Details

Balance: $1,000,000+; Monthly Service Charge is $25.00

Rate History
No change since Oct 22, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Oct 22, 2026: 1.00% APYOct 22, 2026Oct 31, 2026
Lanier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
Genesis Checking Account - 75
1.00%
$1
▼
Rate0.00%
Min Deposit$1
Min BalanceN/A
UpdatedOct 29, 2026
Details

Dividends if criteria met; Qualifying balance up to $10,000

Rate History
No change since Oct 5, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Oct 5, 2026: 1.00% APYOct 5, 2026Oct 31, 2026
Kinetic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.81%
Kinetic Checking
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 29, 2026
Details

Balance: $0.00 - $10,000.00; Qualifying balance up to $10,000.00; Monthly fee $5.95, waived with average daily balance of $3,000 or more

Rate History
No change since Oct 13, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Oct 13, 2026: 1.00% APYOct 13, 2026Oct 31, 2026
On the Grid Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
CU Power Checking
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 28, 2026
Details

Balance: $100-$1,499

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 9 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 31, 2026
On the Grid Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
Student Checking
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 28, 2026
Details

Balance: $100-$1,499

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 9 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 31, 2026
United Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
United Signature Checking
0.85%
$100
▼
Rate0.00%
Min Deposit$100
Min BalanceN/A
UpdatedOct 31, 2026
Details

Balance: >= $1,000,000

Rate History
No change since Oct 22, 2026 · 0.85% APY · checked 3 times
0.35%0.85%1.35%Oct 22, 2026: 0.85% APYOct 22, 2026Oct 31, 2026
Open Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.54%
Attorney-Client Trust Checking Account
0.75%
$2,500
▼
Rate0.75%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 31, 2026
Details

Balance: $3,000,000.00 and up

Rate History
No change since Oct 22, 2026 · 0.75% APY · checked 4 times
0.25%0.75%1.25%Oct 22, 2026: 0.75% APYOct 22, 2026Oct 31, 2026
Center Parc Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
Business Advantage Checking Plus Business
0.75%
$100
▼
Rate0.75%
Min Deposit$100
Min BalanceN/A
UpdatedOct 30, 2026
Details

Balance: $250,000 - $999,999.99; Monthly Service Charge is $25.00

Rate History
No change since Oct 22, 2026 · 0.75% APY · checked 3 times
0.25%0.75%1.25%Oct 22, 2026: 0.75% APYOct 22, 2026Oct 31, 2026
Open Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.54%
Attorney-Client Trust Checking Account
0.65%
$2,500
▼
Rate0.65%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 31, 2026
Details

Balance: $1,000,000.00 - $2,999,999.99

Rate History
No change since Oct 22, 2026 · 0.65% APY · checked 4 times
0.15%0.65%1.15%Oct 22, 2026: 0.65% APYOct 22, 2026Oct 31, 2026
United Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
United Signature Checking
0.60%
$100
▼
Rate0.00%
Min Deposit$100
Min BalanceN/A
UpdatedOct 31, 2026
Details

Balance: $100,000 - $249,999

Rate History
No change since Oct 22, 2026 · 0.60% APY · checked 3 times
0.10%0.60%1.10%Oct 22, 2026: 0.60% APYOct 22, 2026Oct 31, 2026
United Bank Zebulon, GA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.85%
Gold Checking
0.60%
$0
▼
Rate0.60%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Apply Now

Rate History
1 change since Sep 14, 2026 · 0.50% → 0.60% ▲ 0.10 pts · high 0.60% / low 0.50%
0.00%0.55%1.10%Sep 14, 2026: 0.50% APYSep 24, 2026: 0.60% APYSep 14, 2026Oct 31, 2026
  • Sep 24, 20260.60%▲ from 0.50%
  • Sep 14, 20260.50%first recorded
Open Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.54%
Attorney-Client Trust Checking Account
0.50%
$2,500
▼
Rate0.50%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 31, 2026
Details

Balance: $500,000.00 - $999,999.99

Rate History
No change since Oct 22, 2026 · 0.50% APY · checked 4 times
0.00%0.50%1.00%Oct 22, 2026: 0.50% APYOct 22, 2026Oct 31, 2026
FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
Interest Checking
0.50%
$1,000
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 31, 2026
Details

Balance: $50,000.00 and over; Tiered interest; $8 monthly fee if balance falls below $1,000

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 11 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 31, 2026
Century Bank and Trust GA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Business NOW Checking Business
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
UpdatedOct 28, 2026
Details

Balance: $500,000.00 - $999,999.99

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 9 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 31, 2026
Craft Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Premium Checking
0.50%
$100
▼
Rate0.50%
Min Deposit$100
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $25,000 - and above; Interest rates may change after account opening; Fees may reduce earnings on account

Rate History
No change since Sep 11, 2026 · 0.50% APY · checked 9 times
0.00%0.50%1.00%Sep 11, 2026: 0.50% APYSep 11, 2026Oct 31, 2026

Walthourville High Yield Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
iThink Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.06%
myChoice Checking Account
7.00%
$25
▼
Rate6.82%
Min Deposit$25
Min BalanceN/A
UpdatedOct 30, 2026
Details

Balance: $0.00 - $3,000; $25 Opening Deposit Required

Rate History
No change since Sep 14, 2026 · 7.00% APY · checked 9 times
6.50%7.00%7.50%Sep 14, 2026: 7.00% APYSep 14, 2026Oct 31, 2026
LGE Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
High Rewards Checking
5.75%
$0
▼
Rate5.60%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

Qualifications Required; Balance: up to $25,000.00; Rate is paid only on balances up to $25,000.00; membership eligibility required; split rate tier structure; becomes non-dividend bearing if requirements are not met for the dividend period

Rate History
No change since Sep 18, 2026 · 5.75% APY · checked 10 times
5.25%5.75%6.25%Sep 18, 2026: 5.75% APYSep 18, 2026Oct 31, 2026
Midsouth Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
iChecking Account
5.01%
$25
▼
Rate5.00%
Min Deposit$25
Min BalanceN/A
UpdatedOct 28, 2026
Details

Qualifications Required; Number of Transactions: 50+; Balance: rates paid on average daily balance up to $10,000.00; Online Banking, eStatements, valid email and direct deposit required

Rate History
No change since Sep 25, 2026 · 5.01% APY · checked 8 times
4.51%5.01%5.51%Sep 25, 2026: 5.01% APYSep 25, 2026Oct 31, 2026
Altamaha Bank & Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
Rewards Interest Checking
5.00%
$100
▼
Rate4.88%
Min Deposit$100
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; Balance: 0 - $10,000; Qualifying balance up to $10,000.00

Rate History
No change since Sep 24, 2026 · 5.00% APY · checked 7 times
4.50%5.00%5.50%Sep 24, 2026: 5.00% APYSep 24, 2026Oct 31, 2026
Center Parc Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
Kasasa Cash Checking
5.00%
$1
▼
Rate4.89%
Min Deposit$1
Min BalanceN/A
UpdatedOct 30, 2026
Details

Balance: $0.00 - $25,000.00; Rate applies when qualifications are met

Rate History
No change since Oct 22, 2026 · 5.00% APY · checked 3 times
4.50%5.00%5.50%Oct 22, 2026: 5.00% APYOct 22, 2026Oct 31, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
High Yield Checking
4.75%
$1,000
▼
Rate4.65%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 30, 2026
Details

Minimum: $1,000 Direct Deposit; Qualifications Required; Qualifying balance up to $10,000.00; Balances over $10,000 earn 0.01% APY

Rate History
No change since Sep 14, 2026 · 4.75% APY · checked 10 times
4.25%4.75%5.25%Sep 14, 2026: 4.75% APYSep 14, 2026Oct 31, 2026
Midsouth Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
iChecking Account
4.01%
$25
▼
Rate4.00%
Min Deposit$25
Min BalanceN/A
UpdatedOct 28, 2026
Details

Qualifications Required; Number of Transactions: 40-49; Balance: rates paid on average daily balance up to $10,000.00; Online Banking, eStatements, valid email and direct deposit required

Rate History
No change since Sep 25, 2026 · 4.01% APY · checked 8 times
3.51%4.01%4.51%Sep 25, 2026: 4.01% APYSep 25, 2026Oct 31, 2026
Security Federal Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
High Yield Checking
4.00%
$1,000
▼
Rate3.93%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 31, 2026
Details

Qualifications Required; Balance: $0.00 - $10,000.00 (APY on portion of daily balance under $10,000); $12 monthly fee waived with $1,000 daily minimum balance; ATM fee refunds up to $25 per cycle

Rate History
No change since Sep 8, 2026 · 4.00% APY · checked 13 times
3.50%4.00%4.50%Sep 8, 2026: 4.00% APYSep 8, 2026Oct 31, 2026
Security Federal Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
Premium Checking
4.00%
$2,500
▼
Rate3.93%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 31, 2026
Details

Qualifications Required; Balance: $0.00 - $10,000.00 (APY on portion of daily balance under $10,000); $15 monthly fee waived with $2,500 daily minimum balance; $1,200 per year cell phone protection; ATM fee refunds up to $25 per cycle

Rate History
No change since Sep 8, 2026 · 4.00% APY · checked 13 times
3.50%4.00%4.50%Sep 8, 2026: 4.00% APYSep 8, 2026Oct 31, 2026
First Port City Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
Port City Rewards Interest Checking
4.00%
$100
▼
Rate3.93%
Min Deposit$100
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required: 10 PIN-Based or Signature-Based Debit Card Purchases Per Month; Enrolled in and Agree to Receive E-Statements; Qualifications: 10 PIN or signature debit card purchases per month and e-statements; balance tier 0 - $25,000; ATM withdrawal fee reimbursement up to $25.00

Rate History
No change since Sep 19, 2026 · 4.00% APY · checked 10 times
3.50%4.00%4.50%Sep 19, 2026: 4.00% APYSep 19, 2026Oct 31, 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 30, 2026
Details

Balance: up to $15,000; Introductory APY 8.00%; Introductory Dividend Rate 7.72%

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 31, 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 30, 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 3 times
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 31, 2026
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Student Checking
3.56%
$25
▼
Rate3.50%
Min Deposit$25
Min BalanceN/A
UpdatedOct 28, 2026
Details

Student checking up to age 23; 3.56% APY paid on deposits up to $1,000. Restrictions apply.

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 8 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 31, 2026
Associated Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
PRO$PER Checking
3.50%
$0
▼
Rate3.44%
Min Deposit$0
Min BalanceN/A
UpdatedOct 29, 2026
Details

Balance: $0 - $24,999; Pays lower tier rate on entire balance when Tier One requirements are not met; Compounding: Monthly; Dividends: Monthly; Good Through: October 31, 2026; Effective: October 1, 2026

Rate History
No change since Sep 29, 2026 · 3.50% APY · checked 7 times
3.00%3.50%4.00%Sep 29, 2026: 3.50% APYSep 29, 2026Oct 31, 2026
Midsouth Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
iChecking Account
3.00%
$25
▼
Rate3.00%
Min Deposit$25
Min BalanceN/A
UpdatedOct 28, 2026
Details

Qualifications Required; Number of Transactions: 30-39; Balance: rates paid on average daily balance up to $10,000.00; Online Banking, eStatements, valid email and direct deposit required

Rate History
No change since Sep 25, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 25, 2026: 3.00% APYSep 25, 2026Oct 31, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
UIC Ignite Checking
2.55%
$0
▼
Rate2.52%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

Net Direct Deposit required to open

Rate History
No change since Sep 14, 2026 · 2.55% APY · checked 10 times
2.05%2.55%3.05%Sep 14, 2026: 2.55% APYSep 14, 2026Oct 31, 2026
Loyal Trust Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.99%
Platinum Checking
2.00%
$100
▼
Rate1.98%
Min Deposit$100
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $5,000 and greater; Avoid $20 monthly service charge with $5,000 average monthly balance

Rate History
No change since Oct 7, 2026 · 2.00% APY · checked 4 times
1.50%2.00%2.50%Oct 7, 2026: 2.00% APYOct 7, 2026Oct 31, 2026
First Technology Federal Credit Union
Dividend Rewards Checking (Qualified Rate)
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 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 · checked 2 times
1.50%2.00%2.50%Oct 26, 2026: 2.00% APYOct 26, 2026Oct 31, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Youth Checking
2.00%
$0
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 29, 2026
Details

Balance: Up to $1,000

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 10 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 31, 2026
Midsouth Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.28%
iChecking Account
2.00%
$25
▼
Rate2.00%
Min Deposit$25
Min BalanceN/A
UpdatedOct 28, 2026
Details

Qualifications Required; Number of Transactions: 20-29; Balance: rates paid on average daily balance up to $10,000.00; Online Banking, eStatements, valid email and direct deposit required

Rate History
No change since Sep 25, 2026 · 2.00% APY · checked 8 times
1.50%2.00%2.50%Sep 25, 2026: 2.00% APYSep 25, 2026Oct 31, 2026
Southern Bank Sardis, GA
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
VIP Checking
1.89%
$50
▼
Rate1.88%
Min Deposit$50
Min BalanceN/A
UpdatedOct 27, 2026
Details

Balance: $10,000 up to $24,999.99

Rate History
No change since Sep 28, 2026 · 1.89% APY · checked 7 times
1.39%1.89%2.39%Sep 28, 2026: 1.89% APYSep 28, 2026Oct 31, 2026
FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
FirstRewards Checking
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
UpdatedOct 31, 2026
Details

Qualifications Required; Balance: $0.00 - $25,000.00; Qualifying balance up to $25,000.00; Non-FirstBank ATM fees refunded each cycle; Base rate .01% APY when qualifications not met

Rate History
No change since Sep 18, 2026 · 1.51% APY · checked 10 times
1.01%1.51%2.01%Sep 18, 2026: 1.51% APYSep 18, 2026Oct 31, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
PowerPlus Checking - Level 1
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

Balance: up to $15,000; Introductory APY 4.00%; Introductory Dividend Rate 3.93%

Rate History
No change since Oct 14, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Oct 14, 2026: 1.00% APYOct 14, 2026Oct 31, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
PowerPlusTM Checking - Level 1
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

Balance: $0.00 - $15,000.00; Introductory APY: 4.00%; Introductory Dividend Rate: 3.93%

Rate History
No change since Oct 19, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Oct 19, 2026: 1.00% APYOct 19, 2026Oct 31, 2026
Lanier Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
Genesis Checking Account - 75
1.00%
$1
▼
Rate0.00%
Min Deposit$1
Min BalanceN/A
UpdatedOct 29, 2026
Details

Dividends if criteria met; Qualifying balance up to $10,000

Rate History
No change since Oct 5, 2026 · 1.00% APY · checked 6 times
0.50%1.00%1.50%Oct 5, 2026: 1.00% APYOct 5, 2026Oct 31, 2026
Kinetic Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.81%
Kinetic Checking
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 29, 2026
Details

Balance: $0.00 - $10,000.00; Qualifying balance up to $10,000.00; Monthly fee $5.95, waived with average daily balance of $3,000 or more

Rate History
No change since Oct 13, 2026 · 1.00% APY · checked 4 times
0.50%1.00%1.50%Oct 13, 2026: 1.00% APYOct 13, 2026Oct 31, 2026
On the Grid Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
CU Power Checking
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 28, 2026
Details

Balance: $100-$1,499

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 9 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 31, 2026
On the Grid Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
Student Checking
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 28, 2026
Details

Balance: $100-$1,499

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 9 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 31, 2026
FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
Interest Checking
0.50%
$1,000
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 31, 2026
Details

Balance: $50,000.00 and over; Tiered interest; $8 monthly fee if balance falls below $1,000

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 11 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 31, 2026
Craft Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Premium Checking
0.50%
$100
▼
Rate0.50%
Min Deposit$100
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $25,000 - and above; Interest rates may change after account opening; Fees may reduce earnings on account

Rate History
No change since Sep 11, 2026 · 0.50% APY · checked 9 times
0.00%0.50%1.00%Sep 11, 2026: 0.50% APYSep 11, 2026Oct 31, 2026
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Perks Platinum Checking
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 28, 2026
Details

Earn up to 0.50% APY; No minimum to open; $10 monthly fee; No NSF fees

Rate History
No change since Sep 25, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 25, 2026: 0.50% APYSep 25, 2026Oct 31, 2026
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
TVFCU Perks Platinum Checking
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
UpdatedOct 28, 2026
Details

No additional details provided.

Rate History
No change since Sep 25, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 25, 2026: 0.50% APYSep 25, 2026Oct 31, 2026
FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
Interest Checking
0.45%
$1,000
▼
Rate0.45%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 31, 2026
Details

Balance: $25,000.00-$49,999.99; Tiered interest; $8 monthly fee if balance falls below $1,000

Rate History
No change since Sep 14, 2026 · 0.45% APY · checked 11 times
0.00%0.48%0.95%Sep 14, 2026: 0.45% APYSep 14, 2026Oct 31, 2026
FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
Interest Checking
0.41%
$1,000
▼
Rate0.41%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 31, 2026
Details

Balance: $1,000.00-$9,999.99; Tiered interest; $8 monthly fee if balance falls below $1,000

Rate History
No change since Sep 14, 2026 · 0.41% APY · checked 11 times
0.00%0.45%0.91%Sep 14, 2026: 0.41% APYSep 14, 2026Oct 31, 2026
Hyperion Bank
Institution Rating:
A5.0 ★ Texas Ratio: 13.21%
HyperInterest Checking
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min BalanceN/A
UpdatedOct 28, 2026
Details

Qualifications Required; Balance: Balances up to $25,000; Currently unavailable for new account openings

Rate History
No change since Oct 12, 2026 · 0.40% APY · checked 4 times
0.00%0.45%0.90%Oct 12, 2026: 0.40% APYOct 12, 2026Oct 31, 2026
Craft Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Premium Checking
0.30%
$100
▼
Rate0.30%
Min Deposit$100
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $10,000 - $24,999.99; Interest rates may change after account opening; Fees may reduce earnings on account

Rate History
No change since Sep 11, 2026 · 0.30% APY · checked 9 times
0.00%0.40%0.80%Sep 11, 2026: 0.30% APYSep 11, 2026Oct 31, 2026
Center Parc Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
Member Advantage Checking
0.30%
$1
▼
Rate0.30%
Min Deposit$1
Min BalanceN/A
UpdatedOct 30, 2026
Details

Monthly Service Charge is $6.00; Balance: $2,500.00 or more

Rate History
No change since Oct 22, 2026 · 0.30% APY · checked 3 times
0.00%0.40%0.80%Oct 22, 2026: 0.30% APYOct 22, 2026Oct 31, 2026
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Perks Plus Checking
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 28, 2026
Details

Up to 0.25% APY (page wording: 'higher interest rate of up to 0.25% APY'); No minimum to open; $8 monthly fee waived with $1,500 or more balance; no requirements to earn the rate per FAQ

Rate History
No change since Oct 4, 2026 · 0.25% APY · checked 5 times
0.00%0.38%0.75%Oct 4, 2026: 0.25% APYOct 4, 2026Oct 31, 2026
Loyal Trust Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.99%
Platinum Checking
0.20%
$100
▼
Rate0.00%
Min Deposit$100
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: less than $5,000; Avoid $20 monthly service charge with $5,000 average monthly balance

Rate History
No change since Oct 11, 2026 · 0.20% APY · checked 3 times
0.00%0.35%0.70%Oct 11, 2026: 0.20% APYOct 11, 2026Oct 31, 2026
Craft Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.17%
Premium Checking
0.20%
$100
▼
Rate0.20%
Min Deposit$100
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $2,500 - $9,999.99; Interest rates may change after account opening; Fees may reduce earnings on account

Rate History
No change since Sep 11, 2026 · 0.20% APY · checked 9 times
0.00%0.35%0.70%Sep 11, 2026: 0.20% APYSep 11, 2026Oct 31, 2026

Walthourville Rewards Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
LGE Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
High Rewards Checking
5.75%
$0
▼
Rate5.60%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

Qualifications Required; Balance: up to $25,000.00; Rate is paid only on balances up to $25,000.00; membership eligibility required; split rate tier structure; becomes non-dividend bearing if requirements are not met for the dividend period

Rate History
No change since Sep 18, 2026 · 5.75% APY · checked 10 times
5.25%5.75%6.25%Sep 18, 2026: 5.75% APYSep 18, 2026Oct 31, 2026
Altamaha Bank & Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.71%
Rewards Interest Checking
5.00%
$100
▼
Rate4.88%
Min Deposit$100
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required; Balance: 0 - $10,000; Qualifying balance up to $10,000.00

Rate History
No change since Sep 24, 2026 · 5.00% APY · checked 7 times
4.50%5.00%5.50%Sep 24, 2026: 5.00% APYSep 24, 2026Oct 31, 2026
Center Parc Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
Kasasa Cash Checking
5.00%
$1
▼
Rate4.89%
Min Deposit$1
Min BalanceN/A
UpdatedOct 30, 2026
Details

Balance: $0.00 - $25,000.00; Rate applies when qualifications are met

Rate History
No change since Oct 22, 2026 · 5.00% APY · checked 3 times
4.50%5.00%5.50%Oct 22, 2026: 5.00% APYOct 22, 2026Oct 31, 2026
First Port City Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.16%
Port City Rewards Interest Checking
4.00%
$100
▼
Rate3.93%
Min Deposit$100
Min BalanceN/A
UpdatedOct 26, 2026
Details

Qualifications Required: 10 PIN-Based or Signature-Based Debit Card Purchases Per Month; Enrolled in and Agree to Receive E-Statements; Qualifications: 10 PIN or signature debit card purchases per month and e-statements; balance tier 0 - $25,000; ATM withdrawal fee reimbursement up to $25.00

Rate History
No change since Sep 19, 2026 · 4.00% APY · checked 10 times
3.50%4.00%4.50%Sep 19, 2026: 4.00% APYSep 19, 2026Oct 31, 2026
First Technology Federal Credit Union
Dividend Rewards Checking (Qualified Rate)
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 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 · checked 2 times
1.50%2.00%2.50%Oct 26, 2026: 2.00% APYOct 26, 2026Oct 31, 2026
FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
FirstRewards Checking
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
UpdatedOct 31, 2026
Details

Qualifications Required; Balance: $0.00 - $25,000.00; Qualifying balance up to $25,000.00; Non-FirstBank ATM fees refunded each cycle; Base rate .01% APY when qualifications not met

Rate History
No change since Sep 18, 2026 · 1.51% APY · checked 10 times
1.01%1.51%2.01%Sep 18, 2026: 1.51% APYSep 18, 2026Oct 31, 2026
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Perks Platinum Checking
0.50%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 28, 2026
Details

Earn up to 0.50% APY; No minimum to open; $10 monthly fee; No NSF fees

Rate History
No change since Sep 25, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 25, 2026: 0.50% APYSep 25, 2026Oct 31, 2026
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
TVFCU Perks Platinum Checking
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
UpdatedOct 28, 2026
Details

No additional details provided.

Rate History
No change since Sep 25, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 25, 2026: 0.50% APYSep 25, 2026Oct 31, 2026
Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
Perks Plus Checking
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 28, 2026
Details

Up to 0.25% APY (page wording: 'higher interest rate of up to 0.25% APY'); No minimum to open; $8 monthly fee waived with $1,500 or more balance; no requirements to earn the rate per FAQ

Rate History
No change since Oct 4, 2026 · 0.25% APY · checked 5 times
0.00%0.38%0.75%Oct 4, 2026: 0.25% APYOct 4, 2026Oct 31, 2026
WB&T Waycross B&T
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
Platinum Rewards Checking
0.11%
$0
▼
Rate0.11%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: More than $250,000

Rate History
No change since Oct 7, 2026 · 0.11% APY · checked 5 times
0.00%0.31%0.61%Oct 7, 2026: 0.11% APYOct 7, 2026Oct 31, 2026
WB&T Waycross B&T
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
Platinum Rewards Checking
0.08%
$0
▼
Rate0.08%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $100,000 to $249,999

Rate History
No change since Oct 7, 2026 · 0.08% APY · checked 5 times
0.00%0.29%0.58%Oct 7, 2026: 0.08% APYOct 7, 2026Oct 31, 2026
WB&T Waycross B&T
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
Platinum Rewards Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $25,000 to $99,999

Rate History
No change since Oct 7, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Oct 7, 2026: 0.05% APYOct 7, 2026Oct 31, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Platinum Rewards Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 29, 2026
Details

Balance: $500 - $999.99

Rate History
No change since Sep 17, 2026 · 0.05% APY · checked 10 times
0.00%0.28%0.55%Sep 17, 2026: 0.05% APYSep 17, 2026Oct 31, 2026
WB&T Waycross B&T
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
Platinum Rewards Checking
0.04%
$0
▼
Rate0.04%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: $1,000 to $24,999

Rate History
No change since Oct 7, 2026 · 0.04% APY · checked 5 times
0.00%0.27%0.54%Oct 7, 2026: 0.04% APYOct 7, 2026Oct 31, 2026
Georgias Own Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
Perks+ Checking
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

Balance: $2,500 or greater

Rate History
No change since Sep 27, 2026 · 0.03% APY · checked 4 times
0.00%0.27%0.53%Sep 27, 2026: 0.03% APYSep 27, 2026Oct 31, 2026
Georgias Own Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
Perks+ Checking
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

Balance: $1,500 to $2,499.99

Rate History
No change since Sep 27, 2026 · 0.02% APY · checked 4 times
0.00%0.26%0.52%Sep 27, 2026: 0.02% APYSep 27, 2026Oct 31, 2026
First Technology Federal Credit Union
First Tech Rewards Checking (Qualified Rate)
0.01%
$10
▼
Rate0.01%
Min Deposit$10
Min BalanceN/A
UpdatedOct 30, 2026
Details

Balance: All Balances

Rate History
No change since Oct 22, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 22, 2026: 0.01% APYOct 22, 2026Oct 31, 2026
Georgias Own Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
Perks+ Checking
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

Balance: $0.00 to $1,499.99

Rate History
No change since Sep 27, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Sep 27, 2026: 0.01% APYSep 27, 2026Oct 31, 2026
South Coast Bank & Trust
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
Platinum Rewards Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 27, 2026
Details

Balance: Under $1,000; Online Only

South Coast Bank & Trust
Institution Rating:
A+5.0 ★ Texas Ratio: 0.49%
Premium Rewards Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 27, 2026
Details

Balance: Under $1,000

WB&T Waycross B&T
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
Platinum Rewards Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: Under $1,000

Rate History
No change since Oct 7, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 7, 2026: 0.10% APYOct 7, 2026Oct 31, 2026
WB&T Waycross B&T
Institution Rating:
A+5.0 ★ Texas Ratio: 1.88%
Premium Rewards Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 26, 2026
Details

Balance: Under $1,000; Rate tier as of May 27, 2026

Rate History
No change since Oct 7, 2026 · 0.04% APY · checked 2 times
0.00%0.27%0.54%Oct 7, 2026: 0.04% APYOct 7, 2026Oct 31, 2026
First Technology Federal Credit Union
Dividend Rewards Checking (Non-Qualified Rate)
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 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 30, 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 30, 2026
Details

Balance: All balances

Walthourville Free Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Hyperion Bank
Institution Rating:
A5.0 ★ Texas Ratio: 13.21%
HyperFree Checking
0.20%
$50
▼
Rate0.20%
Min Deposit$50
Min BalanceN/A
UpdatedOct 28, 2026
Details

Balances Over $10,000

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 31, 2026
Fsnb
Institution Rating:
A+5.0 ★ Texas Ratio: 4.08%
Basic Checking
0.05%
$5
▼
Rate0.05%
Min Deposit$5
Min BalanceN/A
UpdatedOct 26, 2026
Details

Minimum balance to earn Interest and obtain APY: $500.00

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Free Active Duty Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 31, 2026
Details

No additional details provided.

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 8 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Free Campus Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 31, 2026
Details

No additional details provided.

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 8 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Free Easy Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 31, 2026
Details

No additional details provided.

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 8 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 31, 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 31, 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 6 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 31, 2026
Associated Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Simple Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 29, 2026
Details

Balance: $2,500+; Compounding: Monthly; Dividends: Monthly; Good Through: October 31, 2026; Effective: October 1, 2026

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 10 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Free Everyday Checking
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
UpdatedOct 31, 2026
Details

No additional details provided.

Rate History
No change since Sep 30, 2026 · 0.01% APY · checked 8 times
0.00%0.26%0.51%Sep 30, 2026: 0.01% APYSep 30, 2026Oct 31, 2026
Georgias Own Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
All Access Checking
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

No additional details provided.

Rate History
No change since Oct 22, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 22, 2026: 0.01% APYOct 22, 2026Oct 31, 2026
Georgias Own Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
Student Access Checking
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

No additional details provided.

Rate History
No change since Oct 22, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 22, 2026: 0.01% APYOct 22, 2026Oct 31, 2026
First Technology Federal Credit Union
Carefree Checking
0.00%
$10
▼
Rate0.00%
Min Deposit$10
Min BalanceN/A
UpdatedOct 30, 2026
Details

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

Credit Union of Georgia
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Free Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

No monthly fees; Monthly Fee: $0; No minimum deposits or balance required

Credit Union of Georgia
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Free Youth Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

Ages 13-17; Monthly Fee: $0; No minimum deposits or balance required; Mobile Check Deposit and Zelle available with parental consent

Associated Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
Simple Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 29, 2026
Details

Balance: $0 - $2,499; Compounding: Monthly; Dividends: Monthly; Good Through: October 31, 2026; Effective: October 1, 2026

Rate History
4 changes since Sep 14, 2026 · 0.05% → 0.05% ▼ 0.00 pts · high 0.05% / low 0.05%
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 18, 2026: 0.05% APYSep 21, 2026: 0.05% APYOct 19, 2026: 0.05% APYOct 26, 2026: 0.05% APYSep 14, 2026Oct 31, 2026
  • Oct 26, 20260.05%▼ from 0.05%
  • Oct 19, 20260.05%▼ from 0.05%
  • Sep 21, 20260.05%▼ from 0.05%
  • Sep 18, 20260.05%▼ from 0.05%
Georgia Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.12%
Eazy, Freedom & Advantage Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 28, 2026
Details

No additional details provided.

Walthourville Student Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
CDC Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Student Checking
3.56%
$25
▼
Rate3.50%
Min Deposit$25
Min BalanceN/A
UpdatedOct 28, 2026
Details

Student checking up to age 23; 3.56% APY paid on deposits up to $1,000. Restrictions apply.

Rate History
No change since Sep 14, 2026 · 3.56% APY · checked 8 times
3.06%3.56%4.06%Sep 14, 2026: 3.56% APYSep 14, 2026Oct 31, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Youth Checking
2.00%
$0
▼
Rate2.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 29, 2026
Details

Balance: Up to $1,000

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 10 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 31, 2026
On the Grid Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
Student Checking
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 28, 2026
Details

Balance: $100-$1,499

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 9 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 31, 2026
On the Grid Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
Student Checking
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
UpdatedOct 28, 2026
Details

Balance: $1,500-$24,999

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 31, 2026
On the Grid Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
Student Checking
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
UpdatedOct 28, 2026
Details

Balance: $25,000-$99,999

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 31, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Free Campus Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 31, 2026
Details

No additional details provided.

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 8 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 31, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Student Interest Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 29, 2026
Details

Balance: $500 - $999.99

Rate History
No change since Sep 17, 2026 · 0.05% APY · checked 10 times
0.00%0.28%0.55%Sep 17, 2026: 0.05% APYSep 17, 2026Oct 31, 2026
Platinum Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.89%
Youth Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 29, 2026
Details

Balance: Above $1,000

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 31, 2026
Georgias Own Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
Student Access Checking
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

No additional details provided.

Rate History
No change since Oct 22, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 22, 2026: 0.01% APYOct 22, 2026Oct 31, 2026
Credit Union of Georgia
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Free Youth Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

Ages 13-17; Monthly Fee: $0; No minimum deposits or balance required; Mobile Check Deposit and Zelle available with parental consent

On the Grid Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.08%
Student Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 28, 2026
Details

Balance: $0-$99

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 8 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 31, 2026

Walthourville Business Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Southeastern Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
Business Checking Business
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

No additional details provided.

Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 10 times
0.76%1.26%1.76%Sep 14, 2026: 1.26% APYSep 14, 2026Oct 31, 2026
Center Parc Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
Business Advantage Checking Plus Business
1.00%
$100
▼
Rate1.00%
Min Deposit$100
Min BalanceN/A
UpdatedOct 30, 2026
Details

Balance: $1,000,000+; Monthly Service Charge is $25.00

Rate History
No change since Oct 22, 2026 · 1.00% APY · checked 3 times
0.50%1.00%1.50%Oct 22, 2026: 1.00% APYOct 22, 2026Oct 31, 2026
Center Parc Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
Business Advantage Checking Plus Business
0.75%
$100
▼
Rate0.75%
Min Deposit$100
Min BalanceN/A
UpdatedOct 30, 2026
Details

Balance: $250,000 - $999,999.99; Monthly Service Charge is $25.00

Rate History
No change since Oct 22, 2026 · 0.75% APY · checked 3 times
0.25%0.75%1.25%Oct 22, 2026: 0.75% APYOct 22, 2026Oct 31, 2026
Century Bank and Trust GA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Business NOW Checking Business
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
UpdatedOct 28, 2026
Details

Balance: $500,000.00 - $999,999.99

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 9 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 31, 2026
LGE Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
Free Business Checking Business
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

Balance: $0.01 Average Daily Balance; No monthly maintenance fees; Rates effective 4/1/2025

Rate History
No change since Oct 22, 2026 · 0.50% APY · checked 3 times
0.00%0.50%1.00%Oct 22, 2026: 0.50% APYOct 22, 2026Oct 31, 2026
Center Parc Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
Business Advantage Checking Plus Business
0.50%
$100
▼
Rate0.50%
Min Deposit$100
Min BalanceN/A
UpdatedOct 30, 2026
Details

Balance: $50,000 - $249,999.99; Monthly Service Charge is $25.00

Rate History
No change since Oct 22, 2026 · 0.50% APY · checked 3 times
0.00%0.50%1.00%Oct 22, 2026: 0.50% APYOct 22, 2026Oct 31, 2026
Century Bank and Trust GA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Business NOW Checking Business
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min BalanceN/A
UpdatedOct 28, 2026
Details

Balance: $100,000.00 - $249,999.99

Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 9 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Oct 31, 2026
Hyperion Bank
Institution Rating:
A5.0 ★ Texas Ratio: 13.21%
Business Interest Checking Business
0.35%
$1,000
▼
Rate0.35%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 28, 2026
Details

Minimum balance to obtain APY: $0.01; Minimum average daily balance of $1,000 avoids $10 monthly service charge

Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 9 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 31, 2026
Century Bank and Trust GA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Business NOW Checking Business
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min BalanceN/A
UpdatedOct 28, 2026
Details

Balance: $50,000.00 - $99,999.99

Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 9 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 31, 2026
Century Bank and Trust GA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Business NOW Checking Business
0.30%
$0
▼
Rate0.30%
Min Deposit$0
Min BalanceN/A
UpdatedOct 28, 2026
Details

Balance: $25,000.00 - $49,999.99

Rate History
No change since Sep 14, 2026 · 0.30% APY · checked 9 times
0.00%0.40%0.80%Sep 14, 2026: 0.30% APYSep 14, 2026Oct 31, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★ Texas Ratio: 14.96%
Business Plus Checking Business
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 31, 2026
Details

Balance Required to Earn APY: $0.01; Transaction Limits: Unlimited

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 31, 2026
Century Bank and Trust GA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Business NOW Checking Business
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
UpdatedOct 28, 2026
Details

Balance: $2,500.00 - $24,999.99

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 31, 2026
LGE Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.70%
Growth Business Checking Business
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

Balance: $10,000 Average Daily Balance; Rates effective 4/1/2025

Rate History
No change since Oct 22, 2026 · 0.25% APY · checked 3 times
0.00%0.38%0.75%Oct 22, 2026: 0.25% APYOct 22, 2026Oct 31, 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 30, 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 31, 2026
Georgias Own Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
Preferred Business Checking Business
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

Balance: $10,000 - $24,999.99

Rate History
No change since Oct 22, 2026 · 0.25% APY · checked 3 times
0.00%0.38%0.75%Oct 22, 2026: 0.25% APYOct 22, 2026Oct 31, 2026
Center Parc Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
Business Advantage Checking Plus Business
0.25%
$100
▼
Rate0.25%
Min Deposit$100
Min BalanceN/A
UpdatedOct 30, 2026
Details

Balance: $5,000 - $49,999.99; Monthly Service Charge is $25.00

Rate History
No change since Oct 22, 2026 · 0.25% APY · checked 3 times
0.00%0.38%0.75%Oct 22, 2026: 0.25% APYOct 22, 2026Oct 31, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
Business Checking Business
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
UpdatedOct 29, 2026
Details

Balance: $100,000.00 - and up

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 31, 2026
United Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Business Interest Checking Business
0.20%
$100
▼
Rate0.00%
Min Deposit$100
Min BalanceN/A
UpdatedOct 31, 2026
Details

Balance: $100,000 and over

Rate History
No change since Oct 22, 2026 · 0.20% APY · checked 3 times
0.00%0.35%0.70%Oct 22, 2026: 0.20% APYOct 22, 2026Oct 31, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
Business Checking Business
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
UpdatedOct 29, 2026
Details

Balance: $0.01 - $999.99

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 31, 2026
New Millennium Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.44%
Business Interest Checking Business
0.15%
$500
▼
Rate0.15%
Min Deposit$500
Min BalanceN/A
UpdatedOct 27, 2026
Details

Variable rate; for Sole Proprietorship and Not-For-Profit accounts only; $20.00 fee if daily balance falls below $5,000

Rate History
No change since Sep 20, 2026 · 0.15% APY · checked 9 times
0.00%0.33%0.65%Sep 20, 2026: 0.15% APYSep 20, 2026Oct 31, 2026
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Business Community Interest Checking Business
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

Balance: $15,000 - $24,999.99

Rate History
No change since Oct 1, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Oct 1, 2026: 0.15% APYOct 1, 2026Oct 31, 2026
Georgias Own Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
Preferred Business Checking Business
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

Balance: $2,500 - $9,999.99

Rate History
No change since Oct 22, 2026 · 0.15% APY · checked 3 times
0.00%0.33%0.65%Oct 22, 2026: 0.15% APYOct 22, 2026Oct 31, 2026
Excel Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.36%
Business Checking Business
0.15%
$100
▼
Rate0.15%
Min Deposit$100
Min BalanceN/A
UpdatedOct 28, 2026
Details

Balance: $5,000 and above; An average daily balance of $5,000 each day is required to earn monthly dividends

Rate History
No change since Sep 20, 2026 · 0.15% APY · checked 8 times
0.00%0.33%0.65%Sep 20, 2026: 0.15% APYSep 20, 2026Oct 31, 2026
United Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Business Interest Checking Business
0.10%
$100
▼
Rate0.00%
Min Deposit$100
Min BalanceN/A
UpdatedOct 31, 2026
Details

Balance: $50,000 - $99,999

Rate History
No change since Oct 22, 2026 · 0.10% APY · checked 3 times
0.00%0.30%0.60%Oct 22, 2026: 0.10% APYOct 22, 2026Oct 31, 2026
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Business Community Interest Checking Business
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

Balance: $5,000 - $14,999.99

Rate History
No change since Oct 1, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Oct 1, 2026: 0.10% APYOct 1, 2026Oct 31, 2026
Georgias Own Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
Preferred Business Checking Business
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

Balance: $1,500 - $2,499.99

Rate History
No change since Oct 22, 2026 · 0.10% APY · checked 3 times
0.00%0.30%0.60%Oct 22, 2026: 0.10% APYOct 22, 2026Oct 31, 2026
Marshland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
Business Checking II Business
0.10%
$100
▼
Rate0.10%
Min Deposit$100
Min BalanceN/A
UpdatedOct 28, 2026
Details

Dividends will be compounded and credited monthly. Rates effective 12/30/2025

Rate History
No change since Oct 27, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 27, 2026: 0.10% APYOct 27, 2026Oct 31, 2026
United Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Business Interest Checking Business
0.05%
$100
▼
Rate0.00%
Min Deposit$100
Min BalanceN/A
UpdatedOct 31, 2026
Details

Balance: $10,000 - $49,999

Rate History
No change since Oct 22, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Oct 22, 2026: 0.05% APYOct 22, 2026Oct 31, 2026
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Business Community Interest Checking Business
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

Balance: $2,500 - $4,999.99

Rate History
No change since Oct 1, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Oct 1, 2026: 0.05% APYOct 1, 2026Oct 31, 2026
Georgias Own Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.35%
Preferred Business Checking Business
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

Balance: $0.00 - $1,499.99

Rate History
No change since Oct 22, 2026 · 0.05% APY · checked 3 times
0.00%0.28%0.55%Oct 22, 2026: 0.05% APYOct 22, 2026Oct 31, 2026
MembersFirst Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.12%
Personal Business Checking Business
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

Rates as of 12/21/2022

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 31, 2026
United Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Business Interest Checking Business
0.01%
$100
▼
Rate0.00%
Min Deposit$100
Min BalanceN/A
UpdatedOct 31, 2026
Details

Balance: $0 - $9,999

Rate History
No change since Oct 22, 2026 · 0.01% APY · checked 3 times
0.00%0.26%0.51%Oct 22, 2026: 0.01% APYOct 22, 2026Oct 31, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
Business Elite Checking Business
0.01%
$100
▼
Rate0.01%
Min Deposit$100
Min BalanceN/A
UpdatedOct 30, 2026
Details

Minimum Balance Requirement: $25,000

Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 31, 2026
Credit Union 1 Credit Union Rantoul, IL
Institution Rating:
A5.0 ★ Texas Ratio: 8.90%
Business Performance Checking Business
0.01%
$100
▼
Rate0.01%
Min Deposit$100
Min BalanceN/A
UpdatedOct 30, 2026
Details

Minimum Balance Requirement: $5,000

Rate History
No change since Oct 14, 2026 · 0.01% APY · checked 4 times
0.00%0.26%0.51%Oct 14, 2026: 0.01% APYOct 14, 2026Oct 31, 2026
Century Bank and Trust GA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.34%
Business NOW Checking Business
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 28, 2026
Details

Balance: $0.00 - $2,499.99

Rate History
No change since Sep 14, 2026 · 3.45% APY · checked 5 times
2.95%3.45%3.95%Sep 14, 2026: 3.45% APYSep 14, 2026Oct 31, 2026
First Commerce Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.60%
Business Community Interest Checking Business
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 30, 2026
Details

Balance: Balances up to $2,499.99

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 8 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 31, 2026
Delta Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.24%
Business Value Checking Business
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 29, 2026
Details

Balance: $.01 and up

Marshland Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.76%
Business Checking I Business
0.00%
$100
▼
Rate0.00%
Min Deposit$100
Min BalanceN/A
UpdatedOct 28, 2026
Details

This account does not earn dividends. Rates effective 12/30/2025

Walthourville, GA Checking Rate Trends

Compare local Walthourville, GA 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 Georgia Checking Trends
High-Yield Checking GA Avg
1.799%
▲ 0.012 vs 7 days ago

Georgia high-yield checking rates rose 0.012 points over the past 7 days to 1.799% APY.

Free Checking GA Avg
0.420%
▼ 0.102 vs 7 days ago

Georgia free checking rates fell 0.102 points over the past 7 days to 0.420% APY.

As of Oct 31, 2026 • Rate data sourced from 8,500+ monitored institutions

Walthourville, GA 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 Georgia figures.

Current High-Yield Avg
1.80%
APY, as of Oct 31, 2026
6-Month Forecast
1.85%
Fed hold assumed
12-Month Forecast
1.90%
Range: 1.65% to 2.10%
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 Walthourville, Georgia Institutions

Highest verified APYs available today, updated October 31, 2026. Advertised rates typically require qualifying monthly activity.

B Top 5 Bank Rates
Altamaha Bank & Trust Company
Rewards Interest Checking
A+ 5.0 ★ TX: 2.71%
Min: $100
5.00%
Security Federal Bank
High Yield Checking
A+ 5.0 ★ TX: 4.39%
Min: $1,000
4.00%
First Port City Bank
Port City Rewards Interest Checking
A 5.0 ★ TX: 8.16%
Min: $100
4.00%
Loyal Trust Bank
Platinum Checking
A+ 5.0 ★ TX: 5.99%
Min: $100
2.00%
Southern Bank Sardis, GA
VIP Checking
A+ 5.0 ★ TX: 4.17%
Min: $50
1.89%
CU Top 5 Credit Union Rates
iThink Financial Credit Union
myChoice Checking Account
A+ 5.0 ★ TX: 5.06%
Min: $25
7.00%
LGE Community Credit Union
High Rewards Checking
A+ 5.0 ★ TX: 2.70%
Min: $0
5.75%
Midsouth Community Federal Credit Union
iChecking Account
A+ 5.0 ★ TX: 4.28%
Min: $25
5.01%
Center Parc Credit Union
Kasasa Cash Checking
A+ 5.0 ★ TX: 5.56%
Min: $1
5.00%
Credit Union 1 Credit Union Rantoul, IL
High Yield Checking
A 5.0 ★ TX: 8.90%
Min: $1,000
4.75%
Rates verified October 31, 2026 . Click an institution name to view its full profile, safety ratings, and all checking products.
Powered byMonitorBankRates

What Your Balance Earns at GA Checking Averages

Annual interest earnings at current Georgia 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 (1.799% APY)Monthly Earnings Free Checking (0.420% APY)Monthly Earnings
$2,500 $44.98 / year $3.75 $10.50 / year $0.88
$5,000 $89.96 / year $7.50 $20.99 / year $1.75
$10,000 $179.92 / year $14.99 $41.99 / year $3.50
$25,000 $449.80 / year $37.48 $104.98 / year $8.75
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: Georgia checking rate averages as of October 31, 2026.
Powered byMonitorBankRates
46
Institutions with Checking Rates
Available in Walthourville, Georgia
21 Banks 25 Credit Unions

About Our Walthourville, Georgia Checking Rate Database

MonitorBankRates tracks checking account rates from 21 banks and 25 credit unions offering checking accounts to Walthourville, Georgia 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: iThink Financial Credit Union offers a checking account at 7.00% APY with a minimum deposit of $25. High-yield checking rates typically require qualifying monthly activity. Check the account details before opening.

How to Find the Best Checking Rates in Walthourville, Georgia

What to compare when shopping for an interest-bearing checking account in Walthourville, Georgia

To find the best checking APYs in Walthourville, Georgia, start with credit unions and online-only banks: Walthourville, Georgia has 25 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 GA high-yield checking average is 1.799% but top institutions serving Walthourville, Georgia are offering as high as 7.00%, so shopping around pays off.

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 Walthourville, Georgia.

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: 46 institutions serving Walthourville, Georgia report checking rates to our database

Consider an Alternative If…

Walthourville, Georgia Financial Snapshot

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

Population 65+
13.2%
National avg: 17.3%
Median Individual Earnings
$35,953
National avg: $47,340
Poverty Rate
10.4%
National avg: 11.1%
Unemployment Rate
1.6%
National avg: 4.8%
Checking Earnings on 10% of Salary
$65/yr
At GA HY checking avg 1.799% APY

At today’s GA high-yield checking average of 1.799%, keeping 10% of the local median salary ($3,595) in a high-yield checking account would earn $65 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 Walthourville, Georgia Options

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

Feature High-Yield Checking Free Checking High-Yield Savings Money Market
Current GA Avg APY 1.799% 0.420% 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 Georgia averages tracked in our database as of October 31, 2026. Rates are variable and may differ by institution. See individual product pages for full details.

Walthourville, Georgia 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 Walthourville, Georgia 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 Walthourville, Georgia Checking Rates

Verified October 31, 2026 · click a rate to use it
Rates shown are actual verified offers available in Walthourville, Georgia 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 Walthourville, Georgia 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 Walthourville, Georgia 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 Walthourville, Georgia. 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 GA.

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 Walthourville, Georgia today?

Walthourville, Georgia checking account rates from banks and credit unions serving Georgia range from 0.01% to 7.00% APY, verified by MonitorBankRates as of October 31, 2026. Top rates include 7.00% APY at iThink Financial Credit Union (myChoice Checking Account), 5.75% at LGE Community Credit Union (High Rewards Checking) and 5.01% at Midsouth Community Federal Credit Union (iChecking Account), compared with the MonitorBankRates national high yield checking average of 2.06% APY.

Do checking accounts in Walthourville, Georgia earn interest?

Most traditional local checking accounts in Walthourville, Georgia 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 Walthourville, Georgia FDIC insured?

Yes. Legitimate banks with branches in Walthourville, Georgia 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 Walthourville, Georgia?

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 Walthourville, Georgia?

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 Walthourville, Georgia

Based on our current data, some of the highest checking account APYs available to residents of Walthourville, Georgia include:
  • iThink Financial Credit Union
    myChoice Checking Account: 7.00% APY
  • LGE Community Credit Union
    High Rewards Checking: 5.75% APY
  • Midsouth Community Federal Credit Union
    iChecking Account: 5.01% APY
  • Altamaha Bank & Trust Company
    Rewards Interest Checking: 5.00% APY
  • Center Parc Credit Union
    Kasasa Cash Checking: 5.00% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Walthourville, Georgia. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: October 31, 2026

Walthourville, Georgia Rates & Resources