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Best Banks & Checking Accounts in Merrillville, Indiana - May 2026

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Brian McKay Brian McKay
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Brian McKay

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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Checking Account Rates — Last Updated and Verified: May 15, 2026

The best checking rates for Merrillville, Indiana include Tech Credit UnionTech Credit Union7901 Grant St, Merrillville, IN 46410 8529B+4.8 ★Texas Ratio: 18.03% InCENTIV Checking at 3.50% APY, PROFINANCEPROFINANCE334 W 84th Dr, Merrillville, IN 46410A+5.0 ★Texas Ratio: 4.62% Share Draft (Checking) at 0.10% APY, Old National BankOld National Bank579 W Lincoln Hwy, Merrillville, IN 46410A+5.0 ★Texas Ratio: 5.09% ONB Preferred Checking at 0.01% APY, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% PowerPlusTM Checking Level 2 at 8.00% APY, and Beacon Credit UnionBeacon Credit UnionA+5.0 ★Texas Ratio: 1.45% Advantage Plus Checking at 5.00% APY. Checking account rates as of May 15, 2026 according to verified data from MonitorBankRates.

Merrillville has 3 local institutions in our database, with checking rates as high as 3.50% APY from Tech Credit Union at 7901 Grant St, Merrillville, IN, 46410 8529. Use the tabs below to compare all available checking account types. Rates are continually updated — we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in Merrillville, Indiana. Checking Account Rates Last Updated and Verified: May 15, 2026

Compare Checking Account Rates Today in Merrillville, Indiana & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Tech Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 18.03%
7901 Grant St
Merrillville, IN 46410 8529
InCENTIV Checking
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Tech Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 18.03%
7901 Grant St
Merrillville, IN 46410 8529
InCENTIV Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Tech Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 18.03%
7901 Grant St
Merrillville, IN 46410 8529
InCENTIV Checking
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Tech Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 18.03%
7901 Grant St
Merrillville, IN 46410 8529
InCENTIV Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Tech Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 18.03%
7901 Grant St
Merrillville, IN 46410 8529
Business Checking Business
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

PROFINANCE
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
334 W 84th Dr
Merrillville, IN 46410
Share Draft (Checking)
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Old National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.09%
579 W Lincoln Hwy
Merrillville, IN 46410
ONB Preferred Checking
0.01%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 4, 2026
Details

No additional details provided.

Tech Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 18.03%
7901 Grant St
Merrillville, IN 46410 8529
Student Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Tech Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 18.03%
7901 Grant St
Merrillville, IN 46410 8529
Tech Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $15000

Beacon Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
Advantage Plus Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $10,000.00

One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
ONEAccount Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Qualifying balance up to $1,000.00

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 1
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $15000

MIDWEST AMERICA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Reward Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $10,000.00

Kemba Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
Get Green Rewards Checking
4.00%
$0
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Qualifying balance up to $15,000.00

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
HY Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
Rewards Checking
3.40%
$0
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Qualifications Required; Qualifying balance up to $25,000.00

Advanz Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
REWARDS +Plus+ CHECKING
3.04%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Qualifying balance up to $25,000.00

Perfect Circle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.55%
Ultimate Checking
3.04%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Energy Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
Ultimate Checking Tier 1
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Qualifying balance up to $5,000.00

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Tech Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 18.03%
7901 Grant St
Merrillville, IN 46410 8529
InCENTIV Checking
3.50%
$0
View
▼
Rate3.44%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Tech Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 18.03%
7901 Grant St
Merrillville, IN 46410 8529
InCENTIV Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Tech Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 18.03%
7901 Grant St
Merrillville, IN 46410 8529
InCENTIV Checking
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Tech Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 18.03%
7901 Grant St
Merrillville, IN 46410 8529
InCENTIV Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 2
8.00%
$0
View
▼
Rate7.72%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $15000

One Vision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
ONEAccount Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

Qualifying balance up to $1,000.00

Beacon Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.45%
Advantage Plus Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $10,000.00

MIDWEST AMERICA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Reward Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $10,000.00

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
HY Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

Kemba Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
Get Green Rewards Checking
4.00%
$0
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Qualifying balance up to $15,000.00

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
PowerPlusTM Checking Level 1
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $15000

Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
Rewards Checking
3.40%
$0
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Qualifications Required; Qualifying balance up to $25,000.00

Perfect Circle Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.55%
Ultimate Checking
3.04%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Advanz Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
REWARDS +Plus+ CHECKING
3.04%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Qualifying balance up to $25,000.00

Energy Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
Ultimate Checking Tier 1
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Qualifying balance up to $5,000.00

Energy Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.46%
Ultimate Checking Tier 2
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.12%
Non-Profit Checking
2.50%
$0
View
▼
Rate2.47%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

No additional details provided.

Centra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.15%
High Interest Checking
2.45%
$0
View
▼
Rate2.42%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

INDIANA STATE UNIVERSITY
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
Elevate Checking
2.40%
$0
View
▼
Rate2.37%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $10,000.00

Purdue Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.91%
IOLTA Checking Tier 5
2.27%
$100
View
▼
Rate2.25%
Min Deposit$100
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
MIDWEST AMERICA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Reward Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

Qualifying balance up to $10,000.00

Kemba Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.17%
Get Green Rewards Checking
4.00%
$0
View
▼
Rate3.92%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

Qualifying balance up to $15,000.00

Heritage Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.83%
Rewards Checking
3.40%
$0
View
▼
Rate3.35%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Qualifications Required; Qualifying balance up to $25,000.00

Advanz Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.61%
REWARDS +Plus+ CHECKING
3.04%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Qualifying balance up to $25,000.00

First Federal S&L of Greensburg
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
Rewards Shelby Checking
0.10%
$50
View
▼
Rate0.10%
Min Deposit$50
Min Balance—
UpdatedMay 15, 2026
Details

No additional details provided.

Christian Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
Member Rewards Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Christian Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.20%
Member Rewards Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Freedom Bank Huntingburg, IN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.78%
Freedom Plus Checking
0.60%
$0
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

No additional details provided.

Freedom Bank Huntingburg, IN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.78%
Freedom Plus Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

No additional details provided.

First Federal S&L of Greensburg
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
Basic Checking NOW Account
0.10%
$50
View
▼
Rate0.10%
Min Deposit$50
Min Balance—
UpdatedMay 15, 2026
Details

Monthly maintenance fee of $7.50 will be assessed if a minimum balance of $600.00 is not maintained.

Hoosier Hills Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
FREE Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Industrial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.23%
Free Share Draft Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

Dividends are compounded and paid monthly

Advance Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Better Than Free Checking
0.04%
$20,000
View
▼
Rate0.00%
Min Deposit$20,000
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
Basic Checking
0.03%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

Advance Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Better Than Free Checking
0.03%
$5,000
View
▼
Rate0.00%
Min Deposit$5,000
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

Advance Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Better Than Free Checking
0.02%
$500
View
▼
Rate0.00%
Min Deposit$500
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
Free Checking Plus Interest
0.01%
$10
View
▼
Rate0.01%
Min Deposit$10
Min Balance—
UpdatedMay 5, 2026
Details

Rates can change daily, Daily compounding

Advance Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Better Than Free Checking
0.01%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMay 7, 2026
Details

Qualifying balance up to $499.99

First FSB Rochester, IN
Institution Rating:
A5.0 ★ Texas Ratio: 10.65%
Simply Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

MIDWEST AMERICA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Freedom Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Freedom Bank Huntingburg, IN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.78%
Freedom Plus Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

No additional details provided.

Hoosier Hills Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
FREE Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Advance Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Free Checking
0.00%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

Industrial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.23%
EveryDay Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
FREE Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
FREE Checking Account
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

Regional Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.39%
Basic Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Tech Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 18.03%
7901 Grant St
Merrillville, IN 46410 8529
Student Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Industrial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.23%
Teen Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 7, 2026
Details

No additional details provided.

Hoosier Hills Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
Smart Spending (Teen Checking)
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

First Savings Bank of Hegewisch
Institution Rating:
A+5.0 ★ Texas Ratio: 0.21%
Student Checking
0.01%
$10
View
▼
Rate0.01%
Min Deposit$10
Min Balance—
UpdatedMay 5, 2026
Details

Rates can change daily, Daily compounding

Hoosier Hills Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.40%
Smart Spending (Teen Checking)
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 10, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Tech Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 18.03%
7901 Grant St
Merrillville, IN 46410 8529
Business Checking Business
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Freedom Bank Huntingburg, IN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.78%
Business Interest Checking Business
1.11%
$0
View
▼
Rate1.10%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

No additional details provided.

Freedom Bank Huntingburg, IN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.78%
Business Interest Checking Business
0.80%
$0
View
▼
Rate0.80%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

No additional details provided.

Freedom Bank Huntingburg, IN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.78%
Business Interest Checking Business
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

No additional details provided.

Freedom Bank Huntingburg, IN
Institution Rating:
A+5.0 ★ Texas Ratio: 4.78%
Business Interest Checking Business
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMay 15, 2026
Details

No additional details provided.

MIDWEST AMERICA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Business Checking Business
0.38%
$0
View
▼
Rate0.38%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

MIDWEST AMERICA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Business Checking Business
0.29%
$0
View
▼
Rate0.29%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.73%
Premier Business Checking Business
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Forum Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
Business Analysis Checking Business
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Indiana University Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
BusinessPLUS Checking Business
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Indiana University Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
BusinessANALYSIS Checking Business
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

MIDWEST AMERICA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Business Checking Business
0.16%
$0
View
▼
Rate0.16%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.12%
Business Checking Business
0.15%
$100
View
▼
Rate0.15%
Min Deposit$100
Min Balance—
UpdatedMay 6, 2026
Details

$100 minimum opening deposit

Forum Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.22%
Business Analysis Checking Business
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMay 12, 2026
Details

No additional details provided.

The Antwerp Exchange Bank Company
Institution Rating:
B+4.7 ★ Texas Ratio: 18.93%
Interest Bearing Business Checking Business
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

The Antwerp Exchange Bank Company
Institution Rating:
B+4.7 ★ Texas Ratio: 18.93%
Interest Bearing Business Checking Business
0.12%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

Everence Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Business dividend checking Business
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

Partners 1st Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
Business Checking Business
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMay 6, 2026
Details

No additional details provided.

First Federal S&L of Greensburg
Institution Rating:
A5.0 ★ Texas Ratio: 11.52%
Business Checking Business
0.10%
$50
View
▼
Rate0.10%
Min Deposit$50
Min Balance—
UpdatedMay 15, 2026
Details

No additional details provided.

Wayne Bank and Trust Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.86%
Business Interest Checking Business
0.07%
$50
View
▼
Rate0.07%
Min Deposit$50
Min Balance—
UpdatedMay 5, 2026
Details

No additional details provided.

Merrillville, IN Checking Rate Trends

Compare local Merrillville, IN 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 Indiana Checking Trends →
High-Yield Checking — IN Avg
1.099%
▼ 0.042 vs 7 days ago

Indiana high-yield checking rates fell 0.042 points over the past 7 days to 1.099% APY.

Free Checking — IN Avg
1.101%
▼ 0.084 vs 7 days ago

Indiana free checking rates fell 0.084 points over the past 7 days to 1.101% APY.

As of May 15, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Methodology & Data Sources

Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Merrillville, Indiana 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 Merrillville, Indiana 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 Merrillville, Indiana. 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 IN.

Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.

Frequently Asked Questions

Do checking accounts in Merrillville, Indiana earn interest?

Most traditional local checking accounts in Merrillville, Indiana 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 Merrillville, Indiana FDIC insured?

Yes. Legitimate banks with branches in Merrillville, Indiana are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.

What fees should I watch out for?

Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.

What is a Rewards Checking account?

Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.

Best Checking Rates in Merrillville, Indiana

Based on our current data, some of the highest checking account APYs available to residents of Merrillville, Indiana include:
  • Tech Credit Union
    InCENTIV Checking — 3.50% APY
  • PROFINANCE
    Share Draft (Checking) — 0.10% APY
  • Old National Bank
    ONB Preferred Checking — 0.01% APY
  • Baxter Credit Union
    PowerPlusTM Checking Level 2 — 8.00% APY
  • Beacon Credit Union
    Advantage Plus Checking — 5.00% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Merrillville, Indiana. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: May 15, 2026

Merrillville, Indiana Rates & Resources

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