Best Banks & Checking Accounts in Madisonville, Kentucky - May 2026
Brian McKay
Brian McKay
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The best checking rates for Madisonville, Kentucky include C-Plant Federal Credit UnionC-Plant Federal Credit Union182 Madison Square Dr, Madisonville, KY 42431A+5.0 ★Texas Ratio: 1.15% Free Personal Checking at 0.10% APY, Old National BankOld National Bank501 Hospital Dr, Madisonville, KY 42431A+5.0 ★Texas Ratio: 5.09% ONB Preferred Checking at 0.01% APY, Owensboro Federal Credit UnionOwensboro Federal Credit Union1412 Chelsa Dr, Madisonville, KY 42431 1671A+5.0 ★Texas Ratio: 0.79% Checking at 0.00% APY, One Vision Federal Credit UnionOne Vision Federal Credit UnionA+5.0 ★Texas Ratio: 2.22% ONEAccount Checking at 5.00% APY, and American Bank & Trust Co, Inc.American Bank & Trust Co, Inc.A+5.0 ★Texas Ratio: 1.55% American Incentive Checking at 4.00% APY. Checking account rates as of May 15, 2026 according to verified data from MonitorBankRates.
Madisonville has 3 local institutions in our database, with checking rates as high as 0.10% APY from C-Plant Federal Credit Union at 182 Madison Square Dr, Madisonville, KY, 42431. 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 Madisonville, Kentucky. Checking Account Rates Last Updated and Verified: May 15, 2026
Compare Checking Account Rates Today in Madisonville, Kentucky & the Surrounding Area
Madisonville, KY 42431
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Madisonville, KY 42431
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Madisonville, KY 42431 1671
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Qualifying balance up to $1,000.00
Qualifications Required; Qualifying balance up to $50,000.00
Qualifying balance up to $15,000.00
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Qualifications Required; Qualifying balance up to $25,000.00
Qualifying balance up to $25,000.00
Qualifying balance up to $250,000.00
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Qualifications Required: 15 Debit Card purchases; one Direct Deposit or 2 ACH Debits; 1 Online Banking or Mobile Banking inquiry; sign up for e-Statements; Reimbursement on other banks' ATM fees
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No Requirements
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Qualifying balance up to $1,000.00
Qualifications Required; Qualifying balance up to $50,000.00
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Qualifying balance up to $15,000.00
Qualifications Required; Qualifying balance up to $25,000.00
Qualifying balance up to $25,000.00
Qualifying balance up to $250,000.00
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Qualifications Required: 15 Debit Card purchases; one Direct Deposit or 2 ACH Debits; 1 Online Banking or Mobile Banking inquiry; sign up for e-Statements; Reimbursement on other banks' ATM fees
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Unlimited transactions Minimum Deposit to Open waived with direct deposit. Low Balance Fee: $10 per month if daily balance falls below $1,500. Monthly Maintenance Fee: $5 (waived with eStatements). ATM or Debit card available upon request.
Unlimited transactions Minimum Deposit to Open waived with direct deposit. Low Balance Fee: $10 per month if daily balance falls below $1,500. Monthly Maintenance Fee: $5 (waived with eStatements). ATM or Debit card available upon request.
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Unlimited transactions Minimum Deposit to Open waived with direct deposit. Low Balance Fee: $10 per month if daily balance falls below $1,500. Monthly Maintenance Fee: $5 (waived with eStatements). ATM or Debit card available upon request.
Qualifying balance up to $15,000.00
Qualifications Required; Qualifying balance up to $25,000.00
Qualifying balance up to $25,000.00
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Madisonville, KY 42431
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Daily Balances of: up to $9,999.99
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Qualifying balance up to $10,000.00
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$5,000 and up
$5,000 and up
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$0-$4,999
$1,500-$4,999
Madisonville, KY Checking Rate Trends
Compare local Madisonville, KY 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.
Kentucky high-yield checking rates fell 0.092 points over the past 7 days to 1.911% APY.
Kentucky free checking rates rose 0.440 points over the past 7 days to 1.680% APY.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Madisonville, Kentucky 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 Madisonville, Kentucky 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 Madisonville, Kentucky. 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 KY.
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 Madisonville, Kentucky earn interest?
Are banks in Madisonville, Kentucky FDIC insured?
What fees should I watch out for?
What is a Rewards Checking account?
Best Checking Rates in Madisonville, Kentucky
- C-Plant Federal Credit Union
Free Personal Checking — 0.10% APY - Old National Bank
ONB Preferred Checking — 0.01% APY - Owensboro Federal Credit Union
Checking — 0.00% APY - One Vision Federal Credit Union
ONEAccount Checking — 5.00% APY - American Bank & Trust Co, Inc.
American Incentive Checking — 4.00% APY
