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Checking Rate Trends

West Milford, New Jersey Best Checking Accounts & Rates October 2026

West Milford, New Jersey checking account rates from banks and credit unions serving New Jersey range from 0.01% to 5.50% APY, verified by MonitorBankRates as of October 23, 2026. The best checking rates for West Milford, New Jersey include Hanover Community BankHanover Community BankA5.0 ★Texas Ratio: 9.30%Rate verified Oct 20, 2026 Max Cash Checking at 5.50% APY, Affinity Federal Credit UnionAffinity Federal Credit UnionA5.0 ★Texas Ratio: 9.20%Rate verified Oct 23, 2026 High-Yield Checking Account at 5.50% APY, Andrews Federal Credit UnionAndrews Federal Credit UnionA5.0 ★Texas Ratio: 10.28%Rate verified Oct 20, 2026 Kasasa Cash Checking at 5.25% APY, Peoples Security BankPeoples Security BankA+5.0 ★Texas Ratio: 2.51%Rate verified Oct 20, 2026 MaxEarnings Checking at 5.00% APY, and Garden Savings FCUGarden Savings FCUA5.0 ★Texas Ratio: 10.13%Rate verified Oct 19, 2026 Platinum Checking at 5.00% APY. Checking account rates as of October 23, 2026 according to verified data from MonitorBankRates.

West Milford is a smaller community with no bank or credit union branches currently in our database. 50 institutions serving the New Jersey area are available to West Milford residents, with checking rates as high as 5.50% APY from Hanover Community Bank. Rates are continually updated, so we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in West Milford, New Jersey. Checking Account Rates Last Updated and Verified: October 23, 2026

Compare Checking Account Rates Today in West Milford, New Jersey & the Surrounding Area

Institutions:

West Milford Checking Account Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Hanover Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Max Cash Checking
5.50%
$100
▼
Rate5.37%
Min Deposit$100
Min BalanceN/A
UpdatedOct 20, 2026
Details

Qualifications Required; Balance: $0.00 - $25,000.00; Qualifying tier APY on balances up to $25,000 when qualifications are met; 0.05% APY on all balances when qualifications aren't met; ATM withdrawal fee refunds up to $25 monthly

Rate History
No change since Sep 18, 2026 · 5.50% APY · checked 6 times
5.00%5.50%6.00%Sep 18, 2026: 5.50% APYSep 18, 2026Oct 25, 2026
Affinity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.20%
High-Yield Checking Account
5.50%
$5
▼
Rate5.35%
Min Deposit$5
Min BalanceN/A
UpdatedOct 23, 2026
Details

Qualifications Required; Qualifying balance up to $15,000.00; Dividend rate 5.35% with 5.50% APY; A $5 minimum deposit to open; Affinity membership required with $5 deposit to membership eligibility account; eStatement enrollment required to avoid $2 monthly paper statement fee

Rate History
No change since Oct 12, 2026 · 5.50% APY · checked 2 times
5.00%5.50%6.00%Oct 12, 2026: 5.50% APYOct 12, 2026Oct 25, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.28%
Kasasa Cash Checking
5.25%
$0
▼
Rate5.13%
Min Deposit$0
Min BalanceN/A
UpdatedOct 20, 2026
Details

Qualifications Required; Qualifying balance up to $25,000.00; Rates are variable and may change at any time

Rate History
No change since Sep 18, 2026 · 5.25% APY · checked 6 times
4.75%5.25%5.75%Sep 18, 2026: 5.25% APYSep 18, 2026Oct 25, 2026
Peoples Security Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
MaxEarnings Checking
5.00%
$25
▼
Rate4.89%
Min Deposit$25
Min BalanceN/A
UpdatedOct 20, 2026
Details

Qualifying balance up to $10,000.00

Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 9 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APYSep 14, 2026Oct 25, 2026
Peoples Security Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Micro Business MaxEarnings Checking Business
5.00%
$25
▼
Rate4.89%
Min Deposit$25
Min BalanceN/A
UpdatedOct 20, 2026
Details

Qualifying balance up to $5,000.00

Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 8 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APYSep 14, 2026Oct 25, 2026
Garden Savings FCU
Institution Rating:
A5.0 ★ Texas Ratio: 10.13%
Platinum Checking
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

Qualifications Required; Balance: On the first $15,000 on deposit (average balance), if all qualifiers met; Qualifying balance up to $15,000.00; up to $20 per month ATM rebate; maximum of one Platinum Checking account per membership; no monthly service charges.

Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 9 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APYSep 14, 2026Oct 25, 2026
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
Healthy Checking
4.07%
$0
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $1,000.01 to $2,500.00

Rate History
No change since Sep 18, 2026 · 4.07% APY · checked 8 times
3.57%4.07%4.57%Sep 18, 2026: 4.07% APYSep 18, 2026Oct 25, 2026
Spencer Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
Kasasa Cash Checking
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
UpdatedOct 21, 2026
Details

Qualifications Required; Balance: $0.01 - $25,000; Available to NJ residents and former NJM Bank customers in Bucks County, PA; Nationwide ATM fees up to $25 monthly refunded

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 25, 2026
The Atlantic Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.92%
Ultra Checking
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $0 - $999.99; Blended APY

Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 25, 2026: 4.00% APYSep 25, 2026Oct 25, 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 19, 2026
Details

Balance: up to $15,000.00; Introductory APY 8.00%; Introductory Dividend Rate 7.72%

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
PowerPlusTM Checking - Level 1 Introductory
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

Balance: up to $15,000; Introductory rate

Rate History
No change since Oct 19, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 25, 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 19, 2026
Details

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

Rate History
2 changes since Sep 27, 2026 · 1.00% → 4.00% ▲ 3.00 pts · high 8.00% / low 1.00%
0.00%7.50%15.00%Sep 27, 2026: 1.00% APYOct 10, 2026: 8.00% APYOct 19, 2026: 4.00% APYSep 27, 2026Oct 25, 2026
  • Oct 19, 20264.00%▼ from 8.00%
  • Oct 10, 20268.00%▲ from 1.00%
  • Sep 27, 20261.00%first recorded
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
Healthy Checking
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $30,000.01 to $50,000.00

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 9 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 25, 2026
Bogota Savings Bank
Institution Rating:
B4.5 ★ Texas Ratio: 20.77%
Prestige Checking
3.00%
$500
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
UpdatedOct 21, 2026
Details

Qualifications Required; Balance: $500+; Interest Compounded Daily. Posted Monthly.

Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 19, 2026: 3.00% APYSep 19, 2026Oct 25, 2026
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
Wellness Checking
2.53%
$0
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $500.01 to $5,000.00

Rate History
No change since Sep 18, 2026 · 2.53% APY · checked 8 times
2.03%2.53%3.03%Sep 18, 2026: 2.53% APYSep 18, 2026Oct 25, 2026
IRCO Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
Business Interest Checking Business
2.25%
$0
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $1,000,000 and over; No monthly fee; Unlimited cash deposits, unlimited transactions

Rate History
No change since Oct 22, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Oct 22, 2026: 2.25% APYOct 22, 2026Oct 25, 2026
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
Choice Checking Account
2.00%
$100
▼
Rate1.98%
Min Deposit$100
Min BalanceN/A
UpdatedOct 22, 2026
Details

Balance: $2,500 or more; Premium Checking

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 9 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 25, 2026
First Harvest FCU
Institution Rating:
A5.0 ★ Texas Ratio: 8.18%
Growth Checking
2.00%
$0
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
UpdatedOct 20, 2026
Details

Balance: $1,000.00 - $4,999.99; Tier 2; Monthly service fee of $4.99 may apply unless a $1,000 average daily balance or $500 monthly direct deposit is maintained

Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 8 times
1.50%2.00%2.50%Sep 18, 2026: 2.00% APYSep 18, 2026Oct 25, 2026
IRCO Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
Business Interest Checking Business
1.75%
$0
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $500,000 to $999,999; No monthly fee; Unlimited cash deposits, unlimited transactions

Rate History
No change since Oct 22, 2026 · 1.75% APY · checked 2 times
1.25%1.75%2.25%Oct 22, 2026: 1.75% APYOct 22, 2026Oct 25, 2026
Ponce Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.49%
Non-Profit Business Checking Business
1.73%
$0
▼
Rate1.72%
Min Deposit$0
Min BalanceN/A
UpdatedOct 20, 2026
Details

No minimum balance required

Rate History
No change since Oct 14, 2026 · 1.73% APY · checked 2 times
1.23%1.73%2.23%Oct 14, 2026: 1.73% APYOct 14, 2026Oct 25, 2026
The Atlantic Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.92%
Advocate Checking
1.25%
$0
▼
Rate1.24%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

No additional details provided.

Rate History
No change since Sep 25, 2026 · 1.25% APY · checked 6 times
0.75%1.25%1.75%Sep 25, 2026: 1.25% APYSep 25, 2026Oct 25, 2026
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
Simple Checking Account
1.01%
$100
▼
Rate1.00%
Min Deposit$100
Min BalanceN/A
UpdatedOct 22, 2026
Details

Balance: $1.00 or more; Open Online

Rate History
No change since Sep 14, 2026 · 1.01% APY · checked 9 times
0.51%1.01%1.51%Sep 14, 2026: 1.01% APYSep 14, 2026Oct 25, 2026
NEW JERSEY STATE PBA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
Local PBA Checking
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 22, 2026
Details

Interest-bearing organizational account for Local PBA accounts with no fees; labeled APR** on page; footnote defines ** as APY

Rate History
No change since Oct 19, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 19, 2026: 1.00% APYOct 19, 2026Oct 25, 2026
Magyar Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Premium Checking
1.00%
$100
▼
Rate1.00%
Min Deposit$100
Min BalanceN/A
UpdatedOct 21, 2026
Details

Balance: $50,000+

Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 8 times
0.50%1.00%1.50%Sep 19, 2026: 1.00% APYSep 19, 2026Oct 25, 2026
First Hope Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Kasasa Cash Checking
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 21, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00; Reimbursement on Domestic ATM fees up to $25 per month; Balances over $10,000 earn 0.25% on the portion over $10,000 (1.00% - 0.32% APY depending on balance); If qualifications are not met, all balances earn 0.02% APY

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 11 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 25, 2026
First Citizens Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.39%
Vantage Checking
1.00%
$50
▼
Rate0.00%
Min Deposit$50
Min BalanceN/A
UpdatedOct 20, 2026
Details

Qualifications Required; Balance: $0.00 - $25,000.00; Earns Rewards: 1.00% APY on balances up to $25,000 when qualifications are met; Balances over $25,000 earn 0.25% on the portion above $25,000 (1.00% - .40% APY depending on balance); ATM refunds up to $20/month; Bypass $5 fee with $500 average daily balance or $5,000 total deposits; Balances not meeting qualifications earn .01% APY; Personal accounts only; One account per customer

Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 8 times
0.50%1.00%1.50%Sep 18, 2026: 1.00% APYSep 18, 2026Oct 25, 2026
ConnectOne Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Consumer Interest Checking
1.00%
$0
▼
Rate0.99%
Min Deposit$0
Min BalanceN/A
UpdatedOct 20, 2026
Details

Balance: $1,000.00 and over

Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 7 times
0.50%1.00%1.50%Sep 18, 2026: 1.00% APYSep 18, 2026Oct 25, 2026
IRCO Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
Business Interest Checking Business
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $25,000 to $499,999; No monthly fee; Unlimited cash deposits, unlimited transactions

Rate History
No change since Oct 22, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 22, 2026: 1.00% APYOct 22, 2026Oct 25, 2026
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
Checking
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Shares Savings Rates; Effective as of 10-01-2026; rate from column labeled APR

Rate History
No change since Oct 23, 2026 · 1.00% APY
0.50%1.00%1.50%Oct 23, 2026: 1.00% APYOct 23, 2026Oct 25, 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 19, 2026
Details

Balance: up to $15,000.00; Introductory APY 4.00%; Introductory Dividend Rate 3.93%

Rate History
No change since Oct 14, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 14, 2026: 1.00% APYOct 14, 2026Oct 25, 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 19, 2026
Details

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

Rate History
2 changes since Sep 14, 2026 · 1.00% → 1.00% ▼ 0.00 pts · high 4.00% / low 1.00%
0.00%3.50%7.00%Sep 14, 2026: 1.00% APYOct 10, 2026: 4.00% APYOct 19, 2026: 1.00% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20261.00%▼ from 4.00%
  • Oct 10, 20264.00%▲ from 1.00%
  • Sep 14, 20261.00%first recorded
IRCO Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
Business Interest Checking Business
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $10,000 to $24,999; No monthly fee; Unlimited cash deposits, unlimited transactions

Rate History
No change since Oct 22, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 22, 2026: 0.75% APYOct 22, 2026Oct 25, 2026
Haddon Savings Bank
Institution Rating:
B3.7 ★ Texas Ratio: 2.65%
Checking Account
0.70%
$50
▼
Rate0.70%
Min Deposit$50
Min BalanceN/A
UpdatedOct 22, 2026
Details

Payment of Interest: Monthly; Minimum $50.00 deposit to open

Rate History
No change since Sep 20, 2026 · 0.70% APY · checked 8 times
0.20%0.70%1.20%Sep 20, 2026: 0.70% APYSep 20, 2026Oct 25, 2026
Freedom Bank Maywood, NJ
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Business Interest Checking Business
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Qualifications Required: Enrollment in Freedom Bank e-statements; Balance: Greater than equal to $75,000.00; Minimum Daily Bal to Avoid Fees: $10,000.00; Low Bal Fee: $15.00

Rate History
No change since Oct 22, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 22, 2026: 0.50% APYOct 22, 2026Oct 25, 2026
Magyar Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Premium Checking
0.50%
$100
▼
Rate0.50%
Min Deposit$100
Min BalanceN/A
UpdatedOct 21, 2026
Details

Balance: $10,000 - $49,999.99

Rate History
No change since Sep 19, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 19, 2026: 0.50% APYSep 19, 2026Oct 25, 2026
The Berkshire Bank
Institution Rating:
A-5.0 ★ Texas Ratio: 14.36%
NOW Checking
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
UpdatedOct 21, 2026
Details

Balance: $1,000,000 and over

Rate History
No change since Sep 19, 2026 · 0.50% APY · checked 9 times
0.00%0.50%1.00%Sep 19, 2026: 0.50% APYSep 19, 2026Oct 25, 2026
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
Healthy Checking
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: Over $50,000.00

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 25, 2026
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
Wellness Checking
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: Over $50,000.00

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 25, 2026
IRCO Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
Business Interest Checking Business
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: Up to $9,999; No monthly fee; Unlimited cash deposits, unlimited transactions

Rate History
No change since Oct 22, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 22, 2026: 0.50% APYOct 22, 2026Oct 25, 2026
The Berkshire Bank
Institution Rating:
A-5.0 ★ Texas Ratio: 14.36%
NOW Checking
0.45%
$0
▼
Rate0.45%
Min Deposit$0
Min BalanceN/A
UpdatedOct 21, 2026
Details

Balance: $25,000 to $999,999

Rate History
No change since Sep 19, 2026 · 0.45% APY · checked 9 times
0.00%0.48%0.95%Sep 19, 2026: 0.45% APYSep 19, 2026Oct 25, 2026

West Milford High Yield Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Hanover Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.30%
Max Cash Checking
5.50%
$100
▼
Rate5.37%
Min Deposit$100
Min BalanceN/A
UpdatedOct 20, 2026
Details

Qualifications Required; Balance: $0.00 - $25,000.00; Qualifying tier APY on balances up to $25,000 when qualifications are met; 0.05% APY on all balances when qualifications aren't met; ATM withdrawal fee refunds up to $25 monthly

Rate History
No change since Sep 18, 2026 · 5.50% APY · checked 6 times
5.00%5.50%6.00%Sep 18, 2026: 5.50% APYSep 18, 2026Oct 25, 2026
Affinity Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.20%
High-Yield Checking Account
5.50%
$5
▼
Rate5.35%
Min Deposit$5
Min BalanceN/A
UpdatedOct 23, 2026
Details

Qualifications Required; Qualifying balance up to $15,000.00; Dividend rate 5.35% with 5.50% APY; A $5 minimum deposit to open; Affinity membership required with $5 deposit to membership eligibility account; eStatement enrollment required to avoid $2 monthly paper statement fee

Rate History
No change since Oct 12, 2026 · 5.50% APY · checked 2 times
5.00%5.50%6.00%Oct 12, 2026: 5.50% APYOct 12, 2026Oct 25, 2026
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.28%
Kasasa Cash Checking
5.25%
$0
▼
Rate5.13%
Min Deposit$0
Min BalanceN/A
UpdatedOct 20, 2026
Details

Qualifications Required; Qualifying balance up to $25,000.00; Rates are variable and may change at any time

Rate History
No change since Sep 18, 2026 · 5.25% APY · checked 6 times
4.75%5.25%5.75%Sep 18, 2026: 5.25% APYSep 18, 2026Oct 25, 2026
Peoples Security Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
MaxEarnings Checking
5.00%
$25
▼
Rate4.89%
Min Deposit$25
Min BalanceN/A
UpdatedOct 20, 2026
Details

Qualifying balance up to $10,000.00

Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 9 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APYSep 14, 2026Oct 25, 2026
Garden Savings FCU
Institution Rating:
A5.0 ★ Texas Ratio: 10.13%
Platinum Checking
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

Qualifications Required; Balance: On the first $15,000 on deposit (average balance), if all qualifiers met; Qualifying balance up to $15,000.00; up to $20 per month ATM rebate; maximum of one Platinum Checking account per membership; no monthly service charges.

Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 9 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APYSep 14, 2026Oct 25, 2026
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
Healthy Checking
4.07%
$0
▼
Rate4.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $1,000.01 to $2,500.00

Rate History
No change since Sep 18, 2026 · 4.07% APY · checked 8 times
3.57%4.07%4.57%Sep 18, 2026: 4.07% APYSep 18, 2026Oct 25, 2026
Spencer Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
Kasasa Cash Checking
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
UpdatedOct 21, 2026
Details

Qualifications Required; Balance: $0.01 - $25,000; Available to NJ residents and former NJM Bank customers in Bucks County, PA; Nationwide ATM fees up to $25 monthly refunded

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 25, 2026
The Atlantic Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.92%
Ultra Checking
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $0 - $999.99; Blended APY

Rate History
No change since Sep 25, 2026 · 4.00% APY · checked 6 times
3.50%4.00%4.50%Sep 25, 2026: 4.00% APYSep 25, 2026Oct 25, 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 19, 2026
Details

Balance: up to $15,000.00; Introductory APY 8.00%; Introductory Dividend Rate 7.72%

Rate History
No change since Oct 14, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 25, 2026
Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.31%
PowerPlusTM Checking - Level 1 Introductory
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

Balance: up to $15,000; Introductory rate

Rate History
No change since Oct 19, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 19, 2026: 4.00% APYOct 19, 2026Oct 25, 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 19, 2026
Details

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

Rate History
2 changes since Sep 27, 2026 · 1.00% → 4.00% ▲ 3.00 pts · high 8.00% / low 1.00%
0.00%7.50%15.00%Sep 27, 2026: 1.00% APYOct 10, 2026: 8.00% APYOct 19, 2026: 4.00% APYSep 27, 2026Oct 25, 2026
  • Oct 19, 20264.00%▼ from 8.00%
  • Oct 10, 20268.00%▲ from 1.00%
  • Sep 27, 20261.00%first recorded
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
Healthy Checking
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $30,000.01 to $50,000.00

Rate History
No change since Sep 14, 2026 · 3.04% APY · checked 9 times
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYSep 14, 2026Oct 25, 2026
Bogota Savings Bank
Institution Rating:
B4.5 ★ Texas Ratio: 20.77%
Prestige Checking
3.00%
$500
▼
Rate2.96%
Min Deposit$500
Min BalanceN/A
UpdatedOct 21, 2026
Details

Qualifications Required; Balance: $500+; Interest Compounded Daily. Posted Monthly.

Rate History
No change since Sep 19, 2026 · 3.00% APY · checked 5 times
2.50%3.00%3.50%Sep 19, 2026: 3.00% APYSep 19, 2026Oct 25, 2026
Healthcare Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.73%
Wellness Checking
2.53%
$0
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $500.01 to $5,000.00

Rate History
No change since Sep 18, 2026 · 2.53% APY · checked 8 times
2.03%2.53%3.03%Sep 18, 2026: 2.53% APYSep 18, 2026Oct 25, 2026
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
Choice Checking Account
2.00%
$100
▼
Rate1.98%
Min Deposit$100
Min BalanceN/A
UpdatedOct 22, 2026
Details

Balance: $2,500 or more; Premium Checking

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 9 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 25, 2026
First Harvest FCU
Institution Rating:
A5.0 ★ Texas Ratio: 8.18%
Growth Checking
2.00%
$0
▼
Rate1.99%
Min Deposit$0
Min BalanceN/A
UpdatedOct 20, 2026
Details

Balance: $1,000.00 - $4,999.99; Tier 2; Monthly service fee of $4.99 may apply unless a $1,000 average daily balance or $500 monthly direct deposit is maintained

Rate History
No change since Sep 18, 2026 · 2.00% APY · checked 8 times
1.50%2.00%2.50%Sep 18, 2026: 2.00% APYSep 18, 2026Oct 25, 2026
The Atlantic Federal Credit Union
Institution Rating:
B+4.7 ★ Texas Ratio: 18.92%
Advocate Checking
1.25%
$0
▼
Rate1.24%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

No additional details provided.

Rate History
No change since Sep 25, 2026 · 1.25% APY · checked 6 times
0.75%1.25%1.75%Sep 25, 2026: 1.25% APYSep 25, 2026Oct 25, 2026
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
Simple Checking Account
1.01%
$100
▼
Rate1.00%
Min Deposit$100
Min BalanceN/A
UpdatedOct 22, 2026
Details

Balance: $1.00 or more; Open Online

Rate History
No change since Sep 14, 2026 · 1.01% APY · checked 9 times
0.51%1.01%1.51%Sep 14, 2026: 1.01% APYSep 14, 2026Oct 25, 2026
NEW JERSEY STATE PBA
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
Local PBA Checking
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 22, 2026
Details

Interest-bearing organizational account for Local PBA accounts with no fees; labeled APR** on page; footnote defines ** as APY

Rate History
No change since Oct 19, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 19, 2026: 1.00% APYOct 19, 2026Oct 25, 2026
Magyar Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Premium Checking
1.00%
$100
▼
Rate1.00%
Min Deposit$100
Min BalanceN/A
UpdatedOct 21, 2026
Details

Balance: $50,000+

Rate History
No change since Sep 19, 2026 · 1.00% APY · checked 8 times
0.50%1.00%1.50%Sep 19, 2026: 1.00% APYSep 19, 2026Oct 25, 2026
First Hope Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Kasasa Cash Checking
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 21, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00; Reimbursement on Domestic ATM fees up to $25 per month; Balances over $10,000 earn 0.25% on the portion over $10,000 (1.00% - 0.32% APY depending on balance); If qualifications are not met, all balances earn 0.02% APY

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 11 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 25, 2026
First Citizens Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 11.39%
Vantage Checking
1.00%
$50
▼
Rate0.00%
Min Deposit$50
Min BalanceN/A
UpdatedOct 20, 2026
Details

Qualifications Required; Balance: $0.00 - $25,000.00; Earns Rewards: 1.00% APY on balances up to $25,000 when qualifications are met; Balances over $25,000 earn 0.25% on the portion above $25,000 (1.00% - .40% APY depending on balance); ATM refunds up to $20/month; Bypass $5 fee with $500 average daily balance or $5,000 total deposits; Balances not meeting qualifications earn .01% APY; Personal accounts only; One account per customer

Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 8 times
0.50%1.00%1.50%Sep 18, 2026: 1.00% APYSep 18, 2026Oct 25, 2026
ConnectOne Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Consumer Interest Checking
1.00%
$0
▼
Rate0.99%
Min Deposit$0
Min BalanceN/A
UpdatedOct 20, 2026
Details

Balance: $1,000.00 and over

Rate History
No change since Sep 18, 2026 · 1.00% APY · checked 7 times
0.50%1.00%1.50%Sep 18, 2026: 1.00% APYSep 18, 2026Oct 25, 2026
Hoboken School Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
Checking
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Shares Savings Rates; Effective as of 10-01-2026; rate from column labeled APR

Rate History
No change since Oct 23, 2026 · 1.00% APY
0.50%1.00%1.50%Oct 23, 2026: 1.00% APYOct 23, 2026Oct 25, 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 19, 2026
Details

Balance: up to $15,000.00; Introductory APY 4.00%; Introductory Dividend Rate 3.93%

Rate History
No change since Oct 14, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 14, 2026: 1.00% APYOct 14, 2026Oct 25, 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 19, 2026
Details

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

Rate History
2 changes since Sep 14, 2026 · 1.00% → 1.00% ▼ 0.00 pts · high 4.00% / low 1.00%
0.00%3.50%7.00%Sep 14, 2026: 1.00% APYOct 10, 2026: 4.00% APYOct 19, 2026: 1.00% APYSep 14, 2026Oct 25, 2026
  • Oct 19, 20261.00%▼ from 4.00%
  • Oct 10, 20264.00%▲ from 1.00%
  • Sep 14, 20261.00%first recorded
Magyar Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Premium Checking
0.50%
$100
▼
Rate0.50%
Min Deposit$100
Min BalanceN/A
UpdatedOct 21, 2026
Details

Balance: $10,000 - $49,999.99

Rate History
No change since Sep 19, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 19, 2026: 0.50% APYSep 19, 2026Oct 25, 2026
BCB Community Bank
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
Rewards Plus Checking
0.35%
$10,000
▼
Rate0.00%
Min Deposit$10,000
Min BalanceN/A
UpdatedOct 20, 2026
Details

Want to Earn Max Interest; Minimum daily balance to obtain stated APY: $10,000.00 - $25,000; Interest bearing on daily balances over $500.00; Minimum balance fee: $20.00 monthly fee if balance falls below $10,000.00; 18+ to apply

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 25, 2026
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★ Texas Ratio: 9.42%
Interest Checking
0.25%
$1,000
▼
Rate0.25%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 20, 2026
Details

Personal Banking Rates; Checking

Rate History
No change since Sep 18, 2026 · 0.25% APY · checked 8 times
0.00%0.38%0.75%Sep 18, 2026: 0.25% APYSep 18, 2026Oct 25, 2026
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★ Texas Ratio: 9.42%
Premier Interest Checking
0.25%
$500
▼
Rate0.25%
Min Deposit$500
Min BalanceN/A
UpdatedOct 20, 2026
Details

No additional details provided.

Rate History
1 change since Sep 18, 2026 · 0.30% → 0.25% ▼ 0.05 pts · high 0.30% / low 0.25%
0.00%0.40%0.80%Sep 18, 2026: 0.30% APYSep 24, 2026: 0.25% APYSep 18, 2026Oct 25, 2026
  • Sep 24, 20260.25%▼ from 0.30%
  • Sep 18, 20260.30%first recorded
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
Checking ProtectPlus
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $50,000 - $99,999

Rate History
No change since Oct 15, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Oct 15, 2026: 0.25% APYOct 15, 2026Oct 25, 2026
Ion Bank
Institution Rating:
A5.0 ★ Texas Ratio: 10.40%
Preferred Checking with Interest
0.20%
$50
▼
Rate0.20%
Min Deposit$50
Min BalanceN/A
UpdatedOct 22, 2026
Details

Rate Type: Tier III; Balance: $10,000.00 and Over

Rate History
No change since Sep 28, 2026 · 0.20% APY · checked 6 times
0.00%0.35%0.70%Sep 28, 2026: 0.20% APYSep 28, 2026Oct 25, 2026
Mid Penn Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
Advantage Checking
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
UpdatedOct 20, 2026
Details

Balance: $0.01 or more; Account rate is variable and may change at any time after the account is opened; APY based on monthly compounding

Rate History
No change since Sep 18, 2026 · 0.20% APY · checked 6 times
0.00%0.35%0.70%Sep 18, 2026: 0.20% APYSep 18, 2026Oct 25, 2026
Proponent Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.30%
Platinum Checking
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $50,000+

Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 7 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 25, 2026
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.33%
Platinum Checking Account
0.16%
$0
▼
Rate0.16%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $25,000 or more

Rate History
No change since Sep 18, 2026 · 0.16% APY · checked 4 times
0.00%0.33%0.66%Sep 18, 2026: 0.16% APYSep 18, 2026Oct 25, 2026
Magyar Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.29%
Non-Profit Checking with Interest
0.15%
$100
▼
Rate0.15%
Min Deposit$100
Min BalanceN/A
UpdatedOct 21, 2026
Details

No additional details provided.

Rate History
No change since Sep 19, 2026 · 0.15% APY · checked 8 times
0.00%0.33%0.65%Sep 19, 2026: 0.15% APYSep 19, 2026Oct 25, 2026
GSL Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
N.O.W Interest Checking
0.15%
$100
▼
Rate0.15%
Min Deposit$100
Min BalanceN/A
UpdatedOct 21, 2026
Details

Min Daily Balance to Avoid Fees: $500.00; Monthly Service Charge: $10.00

Rate History
No change since Sep 19, 2026 · 0.15% APY · checked 9 times
0.00%0.33%0.65%Sep 19, 2026: 0.15% APYSep 19, 2026Oct 25, 2026
Ponce Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.49%
Premium Interest Checking
0.15%
$1,500
▼
Rate0.00%
Min Deposit$1,500
Min BalanceN/A
UpdatedOct 20, 2026
Details

Best For: Keep more than $1,500 in your account; Monthly Service Charge: $0; $7 monthly charge if balance falls below $1,500 any day in the statement cycle

Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 7 times
0.00%0.33%0.65%Sep 18, 2026: 0.15% APYSep 18, 2026Oct 25, 2026
Kinecta Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
Checking ProtectPlus
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $25,000 - $49,999

Rate History
No change since Oct 15, 2026 · 0.15% APY · checked 2 times
0.00%0.33%0.65%Oct 15, 2026: 0.15% APYOct 15, 2026Oct 25, 2026
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.33%
Platinum Checking Account
0.11%
$0
▼
Rate0.11%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Account minimum to earn dividends: $7,500

Rate History
No change since Oct 12, 2026 · 0.11% APY · checked 3 times
0.00%0.31%0.61%Oct 12, 2026: 0.11% APYOct 12, 2026Oct 25, 2026

West Milford Rewards Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Andrews Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.28%
Kasasa Cash Checking
5.25%
$0
▼
Rate5.13%
Min Deposit$0
Min BalanceN/A
UpdatedOct 20, 2026
Details

Qualifications Required; Qualifying balance up to $25,000.00; Rates are variable and may change at any time

Rate History
No change since Sep 18, 2026 · 5.25% APY · checked 6 times
4.75%5.25%5.75%Sep 18, 2026: 5.25% APYSep 18, 2026Oct 25, 2026
Spencer Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
Kasasa Cash Checking
4.00%
$0
▼
Rate3.93%
Min Deposit$0
Min BalanceN/A
UpdatedOct 21, 2026
Details

Qualifications Required; Balance: $0.01 - $25,000; Available to NJ residents and former NJM Bank customers in Bucks County, PA; Nationwide ATM fees up to $25 monthly refunded

Rate History
No change since Oct 7, 2026 · 4.00% APY · checked 4 times
3.50%4.00%4.50%Oct 7, 2026: 4.00% APYOct 7, 2026Oct 25, 2026
First Hope Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Kasasa Cash Checking
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 21, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00; Reimbursement on Domestic ATM fees up to $25 per month; Balances over $10,000 earn 0.25% on the portion over $10,000 (1.00% - 0.32% APY depending on balance); If qualifications are not met, all balances earn 0.02% APY

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 11 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 25, 2026
BCB Community Bank
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
Rewards Plus Checking
0.35%
$10,000
▼
Rate0.00%
Min Deposit$10,000
Min BalanceN/A
UpdatedOct 20, 2026
Details

Want to Earn Max Interest; Minimum daily balance to obtain stated APY: $10,000.00 - $25,000; Interest bearing on daily balances over $500.00; Minimum balance fee: $20.00 monthly fee if balance falls below $10,000.00; 18+ to apply

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 25, 2026
BCB Community Bank
Institution Rating:
B-4.3 ★ Texas Ratio: 23.97%
Rewards Checking
0.25%
$1,000
▼
Rate0.00%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 20, 2026
Details

Minimum daily balance to obtain stated APY: $1000.00; Interest bearing on daily balances over $500.00; Minimum balance fee: $10.00 monthly fee if balance falls below $1000.00; 18+ to apply

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 25, 2026
Raritan Bay Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.93%
Rewards Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

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

Rate History
2 changes since Sep 14, 2026 · 0.05% → 0.05% ▼ 0.00 pts · high 0.05% / low 0.01%
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYOct 4, 2026: 0.01% APYOct 8, 2026: 0.05% APYSep 14, 2026Oct 25, 2026
  • Oct 8, 20260.05%▲ from 0.01%
  • Oct 4, 20260.01%▼ from 0.05%
  • Sep 14, 20260.05%first recorded

West Milford Free Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 4.67%
Simple Checking Account
1.01%
$100
▼
Rate1.00%
Min Deposit$100
Min BalanceN/A
UpdatedOct 22, 2026
Details

Balance: $1.00 or more; Open Online

Rate History
No change since Sep 14, 2026 · 1.01% APY · checked 9 times
0.51%1.01%1.51%Sep 14, 2026: 1.01% APYSep 14, 2026Oct 25, 2026
FourLeaf Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.52%
Free Checking (Bonus Checking)
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min BalanceN/A
UpdatedOct 20, 2026
Details

No additional details provided.

Rate History
No change since Sep 18, 2026 · 0.40% APY · checked 8 times
0.00%0.45%0.90%Sep 18, 2026: 0.40% APYSep 18, 2026Oct 25, 2026
Police And Fire Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.70%
Free PFFCU Checking Account
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Share Account Checking (S4); Balance: On all balances

Rate History
No change since Sep 16, 2026 · 0.25% APY · checked 7 times
0.00%0.38%0.75%Sep 16, 2026: 0.25% APYSep 16, 2026Oct 25, 2026
Schuyler Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
Totally Free Checking
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
UpdatedOct 22, 2026
Details

Interest credited: Monthly; Balance for no fee: No minimum required

Rate History
No change since Sep 20, 2026 · 0.10% APY · checked 9 times
0.00%0.30%0.60%Sep 20, 2026: 0.10% APYSep 20, 2026Oct 25, 2026
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.33%
Totally Free Checking Plus
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Account minimum to earn dividends: $1,000

Rate History
No change since Oct 12, 2026 · 0.10% APY · checked 3 times
0.00%0.30%0.60%Oct 12, 2026: 0.10% APYOct 12, 2026Oct 25, 2026
Pennsville National Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.53%
Personal Int. Freedom Checking
0.07%
$0
▼
Rate0.07%
Min Deposit$0
Min BalanceN/A
UpdatedOct 22, 2026
Details

No additional details provided.

Rate History
No change since Sep 24, 2026 · 0.07% APY · checked 7 times
0.00%0.29%0.57%Sep 24, 2026: 0.07% APYSep 24, 2026Oct 25, 2026
Somerset Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Free 50+ with Interest Checking
0.05%
$50
▼
Rate0.05%
Min Deposit$50
Min BalanceN/A
UpdatedOct 22, 2026
Details

Minimum balance to open account is $50. Fees could reduce earnings.

Rate History
No change since Oct 8, 2026 · 0.05% APY · checked 4 times
0.00%0.28%0.55%Oct 8, 2026: 0.05% APYOct 8, 2026Oct 25, 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 20, 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 4 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 25, 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 20, 2026
Details

No additional details provided.

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 25, 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 20, 2026
Details

No additional details provided.

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 25, 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 20, 2026
Details

No additional details provided.

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 25, 2026
First Harvest FCU
Institution Rating:
A5.0 ★ Texas Ratio: 8.18%
Free Checking
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
UpdatedOct 20, 2026
Details

No Minimum Balance Required

Rate History
No change since Sep 18, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Sep 18, 2026: 0.01% APYSep 18, 2026Oct 25, 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 20, 2026
Details

No additional details provided.

Rate History
No change since Sep 30, 2026 · 0.01% APY · checked 6 times
0.00%0.26%0.51%Sep 30, 2026: 0.01% APYSep 30, 2026Oct 25, 2026
New York Times Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.98%
Free Checking Accounts - No
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Dividend Rate 0.00%; APY 0.00%; No Minimum Balance

West Milford Student Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Capital One Bank
Institution Rating:
A5.0 ★ Texas Ratio: 7.00%
MONEY Teen Checking
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 20, 2026
Details

Variable APY; No fees or minimums; Joint account for teens and parents; Online Only

Rate History
No change since Sep 18, 2026 · 0.10% APY · checked 7 times
0.00%0.30%0.60%Sep 18, 2026: 0.10% APYSep 18, 2026Oct 25, 2026
Unity Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.27%
Student Checking
0.05%
$1
▼
Rate0.00%
Min Deposit$1
Min BalanceN/A
UpdatedOct 20, 2026
Details

Balance: no minimum

Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 8 times
0.00%0.28%0.55%Sep 18, 2026: 0.05% APYSep 18, 2026Oct 25, 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 20, 2026
Details

No additional details provided.

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 25, 2026
Copper State Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
Teen Checking
0.01%
$25
▼
Rate0.01%
Min Deposit$25
Min BalanceN/A
UpdatedOct 19, 2026
Details

Effective October 1, 2026; Dividend rate (as high as) 0.01%; For members ages 13-17; Minimum balance of $5,000.00 daily to earn the disclosed APY

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 25, 2026

West Milford Business Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Peoples Security Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Micro Business MaxEarnings Checking Business
5.00%
$25
▼
Rate4.89%
Min Deposit$25
Min BalanceN/A
UpdatedOct 20, 2026
Details

Qualifying balance up to $5,000.00

Rate History
No change since Sep 14, 2026 · 5.00% APY · checked 8 times
4.50%5.00%5.50%Sep 14, 2026: 5.00% APYSep 14, 2026Oct 25, 2026
IRCO Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
Business Interest Checking Business
2.25%
$0
▼
Rate2.25%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $1,000,000 and over; No monthly fee; Unlimited cash deposits, unlimited transactions

Rate History
No change since Oct 22, 2026 · 2.25% APY · checked 2 times
1.75%2.25%2.75%Oct 22, 2026: 2.25% APYOct 22, 2026Oct 25, 2026
IRCO Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
Business Interest Checking Business
1.75%
$0
▼
Rate1.75%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $500,000 to $999,999; No monthly fee; Unlimited cash deposits, unlimited transactions

Rate History
No change since Oct 22, 2026 · 1.75% APY · checked 2 times
1.25%1.75%2.25%Oct 22, 2026: 1.75% APYOct 22, 2026Oct 25, 2026
Ponce Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.49%
Non-Profit Business Checking Business
1.73%
$0
▼
Rate1.72%
Min Deposit$0
Min BalanceN/A
UpdatedOct 20, 2026
Details

No minimum balance required

Rate History
No change since Oct 14, 2026 · 1.73% APY · checked 2 times
1.23%1.73%2.23%Oct 14, 2026: 1.73% APYOct 14, 2026Oct 25, 2026
IRCO Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
Business Interest Checking Business
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $25,000 to $499,999; No monthly fee; Unlimited cash deposits, unlimited transactions

Rate History
No change since Oct 22, 2026 · 1.00% APY · checked 2 times
0.50%1.00%1.50%Oct 22, 2026: 1.00% APYOct 22, 2026Oct 25, 2026
IRCO Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
Business Interest Checking Business
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $10,000 to $24,999; No monthly fee; Unlimited cash deposits, unlimited transactions

Rate History
No change since Oct 22, 2026 · 0.75% APY · checked 2 times
0.25%0.75%1.25%Oct 22, 2026: 0.75% APYOct 22, 2026Oct 25, 2026
Freedom Bank Maywood, NJ
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Business Interest Checking Business
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Qualifications Required: Enrollment in Freedom Bank e-statements; Balance: Greater than equal to $75,000.00; Minimum Daily Bal to Avoid Fees: $10,000.00; Low Bal Fee: $15.00

Rate History
No change since Oct 22, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 22, 2026: 0.50% APYOct 22, 2026Oct 25, 2026
IRCO Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.04%
Business Interest Checking Business
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: Up to $9,999; No monthly fee; Unlimited cash deposits, unlimited transactions

Rate History
No change since Oct 22, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 22, 2026: 0.50% APYOct 22, 2026Oct 25, 2026
Freedom Bank Maywood, NJ
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Business Interest Checking Business
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Qualifications Required: Enrollment in Freedom Bank e-statements; Balance: Greater than equal to $25,000.00; Minimum Daily Bal to Avoid Fees: $10,000.00; Low Bal Fee: $15.00

Rate History
No change since Oct 22, 2026 · 0.35% APY · checked 2 times
0.00%0.43%0.85%Oct 22, 2026: 0.35% APYOct 22, 2026Oct 25, 2026
Customers Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
Commercial Interest Checking Plus Business
0.35%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 22, 2026
Details

Balance: $100,000 minimum to earn 0.35% APY; Balances under $100,000 earn 0.05% APY; Available Online Only; New commercial customers only; Variable rate account; Fees may reduce earnings

Rate History
No change since Sep 14, 2026 · 0.35% APY · checked 10 times
0.00%0.43%0.85%Sep 14, 2026: 0.35% APYSep 14, 2026Oct 25, 2026
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★ Texas Ratio: 9.42%
Business Premier Interest Checking Business
0.30%
$500
▼
Rate0.30%
Min Deposit$500
Min BalanceN/A
UpdatedOct 20, 2026
Details

No additional details provided.

Rate History
No change since Sep 24, 2026 · 0.30% APY · checked 3 times
0.00%0.40%0.80%Sep 24, 2026: 0.30% APYSep 24, 2026Oct 25, 2026
Freedom Bank Maywood, NJ
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Business Interest Checking Business
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Qualifications Required: Enrollment in Freedom Bank e-statements; Balance: Greater than or equal to $10,000.00; Minimum Daily Bal to Avoid Fees: $10,000.00; Low Bal Fee: $15.00

Rate History
No change since Oct 22, 2026 · 0.25% APY · checked 2 times
0.00%0.38%0.75%Oct 22, 2026: 0.25% APYOct 22, 2026Oct 25, 2026
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★ Texas Ratio: 9.42%
Business Non-profit Checking Business
0.25%
$50
▼
Rate0.25%
Min Deposit$50
Min BalanceN/A
UpdatedOct 20, 2026
Details

No additional details provided.

Rate History
No change since Sep 24, 2026 · 0.25% APY · checked 3 times
0.00%0.38%0.75%Sep 24, 2026: 0.25% APYSep 24, 2026Oct 25, 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 19, 2026
Details

No additional details provided.

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 25, 2026
Millville Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Business Checking Business
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
UpdatedOct 21, 2026
Details

Interest on balances maintained for the statement period; service charges: $9.00 monthly service charge, $.12 per deposit, $.17 per check; Free Internet banking, Bill Pay, Bank by Phone

Rate History
No change since Sep 19, 2026 · 0.20% APY · checked 9 times
0.00%0.35%0.70%Sep 19, 2026: 0.20% APYSep 19, 2026Oct 25, 2026
Greater Alliance Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.88%
Greater Business Checking Business
0.20%
$100
▼
Rate0.00%
Min Deposit$100
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $2,500 and Over; Minimum Balance to Avoid a Fee: $100; Minimum Balance to earn APY: $2,500; Compounding: Daily; Crediting: Quarterly

Rate History
No change since Oct 22, 2026 · 0.20% APY · checked 2 times
0.00%0.35%0.70%Oct 22, 2026: 0.20% APYOct 22, 2026Oct 25, 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 22, 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 7 times
0.00%0.33%0.65%Sep 20, 2026: 0.15% APYSep 20, 2026Oct 25, 2026
Freedom Bank Maywood, NJ
Institution Rating:
A+5.0 ★ Texas Ratio: 2.50%
Business Interest Checking Business
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Qualifications Required: Enrollment in Freedom Bank e-statements; Balance: Greater than or equal to $5,000.00; Minimum Daily Bal to Avoid Fees: $10,000.00; Low Bal Fee: $15.00

Rate History
No change since Oct 22, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 22, 2026: 0.10% APYOct 22, 2026Oct 25, 2026
First Commerce Bank (NJ)
Institution Rating:
A5.0 ★ Texas Ratio: 9.42%
Business Attorney/Client Sub Checking Business
0.10%
$50
▼
Rate0.10%
Min Deposit$50
Min BalanceN/A
UpdatedOct 20, 2026
Details

No additional details provided.

Rate History
No change since Sep 24, 2026 · 0.10% APY · checked 3 times
0.00%0.30%0.60%Sep 24, 2026: 0.10% APYSep 24, 2026Oct 25, 2026
Pennsville National Bank
Institution Rating:
A5.0 ★ Texas Ratio: 6.53%
Business Int. Freedom Checking Business
0.07%
$0
▼
Rate0.07%
Min Deposit$0
Min BalanceN/A
UpdatedOct 22, 2026
Details

No additional details provided.

Rate History
No change since Sep 24, 2026 · 0.07% APY · checked 7 times
0.00%0.29%0.57%Sep 24, 2026: 0.07% APYSep 24, 2026Oct 25, 2026
1st Bank of Sea Isle City
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Small Business Checking Business
0.05%
$50
▼
Rate0.05%
Min Deposit$50
Min BalanceN/A
UpdatedOct 22, 2026
Details

Rates effective as of September 5, 2023; $5.00 monthly service fee applies if daily balance falls below $500.00

Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 8 times
0.00%0.28%0.55%Sep 20, 2026: 0.05% APYSep 20, 2026Oct 25, 2026
Customers Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.15%
Commercial Interest Checking Business
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 22, 2026
Details

All balances earn 0.05% APY; Fees may reduce earnings; Variable rate account

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 25, 2026
Mid Penn Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
Business Interest Checking Business
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 20, 2026
Details

Balance: $100,000 or more; Rates effective 11/10/2021; Account rates are variable

Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 8 times
0.00%0.28%0.55%Sep 18, 2026: 0.05% APYSep 18, 2026Oct 25, 2026
Ponce Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.49%
Business Interest Checking Business
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 20, 2026
Details

No additional details provided.

Rate History
No change since Oct 14, 2026 · 0.05% APY · checked 2 times
0.00%0.28%0.55%Oct 14, 2026: 0.05% APYOct 14, 2026Oct 25, 2026
First Financial Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.97%
Business First Checking Business
0.05%
$100
▼
Rate0.05%
Min Deposit$100
Min BalanceN/A
UpdatedOct 23, 2026
Details

Compound Period: Monthly

Rate History
No change since Sep 25, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 25, 2026: 0.05% APYSep 25, 2026Oct 25, 2026
First Financial Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.97%
Premium Business Checking Business
0.05%
$100
▼
Rate0.05%
Min Deposit$100
Min BalanceN/A
UpdatedOct 23, 2026
Details

Compound Period: Monthly

Rate History
No change since Sep 25, 2026 · 0.05% APY · checked 6 times
0.00%0.28%0.55%Sep 25, 2026: 0.05% APYSep 25, 2026Oct 25, 2026
First Atlantic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.26%
Business Interest Checking Business
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance Requirements: No minimum

Rate History
No change since Sep 20, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 20, 2026: 0.05% APYSep 20, 2026Oct 25, 2026
FourLeaf Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.52%
Business Checking Account Business
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 20, 2026
Details

No additional details provided.

Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 8 times
0.00%0.28%0.55%Sep 18, 2026: 0.05% APYSep 18, 2026Oct 25, 2026
The Bank of Princeton
Institution Rating:
A+5.0 ★ Texas Ratio: 5.94%
Premier Business Checking Business
0.03%
$100
▼
Rate0.03%
Min Deposit$100
Min BalanceN/A
UpdatedOct 20, 2026
Details

Balance: $250,000 and over

Rate History
No change since Sep 18, 2026 · 0.03% APY · checked 8 times
0.00%0.27%0.53%Sep 18, 2026: 0.03% APYSep 18, 2026Oct 25, 2026
Mid Penn Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
Business Interest Checking Business
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
UpdatedOct 20, 2026
Details

Balance: $25,000 to $99,999; Rates effective 11/10/2021; Account rates are variable

Rate History
No change since Sep 18, 2026 · 0.03% APY · checked 8 times
0.00%0.27%0.53%Sep 18, 2026: 0.03% APYSep 18, 2026Oct 25, 2026
First Hope Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Business Interest Checking Business
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
UpdatedOct 21, 2026
Details

Balance: $2,500 & Above

Rate History
No change since Sep 14, 2026 · 0.02% APY · checked 11 times
0.00%0.26%0.52%Sep 14, 2026: 0.02% APYSep 14, 2026Oct 25, 2026
The Bank of Princeton
Institution Rating:
A+5.0 ★ Texas Ratio: 5.94%
Premier Business Checking Business
0.02%
$100
▼
Rate0.02%
Min Deposit$100
Min BalanceN/A
UpdatedOct 20, 2026
Details

Balance: $1,000 - $9,999

Rate History
No change since Sep 18, 2026 · 0.02% APY · checked 8 times
0.00%0.26%0.52%Sep 18, 2026: 0.02% APYSep 18, 2026Oct 25, 2026
Mid Penn Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
Business Interest Checking Business
0.02%
$0
▼
Rate0.02%
Min Deposit$0
Min BalanceN/A
UpdatedOct 20, 2026
Details

Balance: $7,500 to $24,999; Rates effective 11/10/2021; Account rates are variable

Rate History
No change since Sep 18, 2026 · 0.02% APY · checked 8 times
0.00%0.26%0.52%Sep 18, 2026: 0.02% APYSep 18, 2026Oct 25, 2026
Garden State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.24%
Business Checking Business
0.02%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Row label not printed in source; Rates effective as of July 1, 2026 and subject to change without notice

Rate History
No change since Sep 14, 2026 · 0.02% APY · checked 11 times
0.00%0.26%0.52%Sep 14, 2026: 0.02% APYSep 14, 2026Oct 25, 2026
Mid Penn Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
Business Interest Checking Business
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
UpdatedOct 20, 2026
Details

Balance: $0.01 to $4,999

Rate History
No change since Sep 18, 2026 · 0.01% APY · checked 8 times
0.00%0.26%0.51%Sep 18, 2026: 0.01% APYSep 18, 2026Oct 25, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
Business Checking for Non-Profits Business
0.01%
$100
▼
Rate0.01%
Min Deposit$100
Min BalanceN/A
UpdatedOct 23, 2026
Details

No additional details provided.

Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 10 times
0.00%0.26%0.51%Sep 14, 2026: 0.01% APYSep 14, 2026Oct 25, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
Plus Business Checking Business
0.01%
$100
▼
Rate0.01%
Min Deposit$100
Min BalanceN/A
UpdatedOct 23, 2026
Details

No additional details provided.

Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 10 times
0.00%0.26%0.51%Sep 14, 2026: 0.01% APYSep 14, 2026Oct 25, 2026
Polish And Slavic Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
Standard Business Checking Business
0.01%
$100
▼
Rate0.01%
Min Deposit$100
Min BalanceN/A
UpdatedOct 23, 2026
Details

No additional details provided.

Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 10 times
0.00%0.26%0.51%Sep 14, 2026: 0.01% APYSep 14, 2026Oct 25, 2026
United Teletech Financial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.09%
Business Interest Checking Accounts Business
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $0 - $4,999.99; Rate may change at any time. Rate accurate as of 1/1/2022.

Garden State Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.24%
Business Checking Business
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Row label not printed in source; Rates effective as of July 1, 2026 and subject to change without notice

West Milford, NJ Checking Rate Trends

Compare local West Milford, NJ 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 New Jersey Checking Trends
High-Yield Checking NJ Avg
2.018%
▲ 0.308 vs 7 days ago

New Jersey high-yield checking rates rose 0.308 points over the past 7 days to 2.018% APY.

Free Checking NJ Avg
0.291%
▲ 0.026 vs 7 days ago

New Jersey free checking rates rose 0.026 points over the past 7 days to 0.291% APY.

As of Oct 25, 2026 • Rate data sourced from 8,500+ monitored institutions

West Milford, NJ 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 New Jersey figures.

Current High-Yield Avg
2.02%
APY, as of Oct 25, 2026
6-Month Forecast
2.07%
Fed hold assumed
12-Month Forecast
2.12%
Range: 1.87% to 2.32%
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 West Milford, New Jersey Institutions

Highest verified APYs available today, updated October 23, 2026. Advertised rates typically require qualifying monthly activity.

B Top 5 Bank Rates
Hanover Community Bank
Max Cash Checking
A 5.0 ★ TX: 9.30%
Min: $100
5.50%
Peoples Security Bank
MaxEarnings Checking
A+ 5.0 ★ TX: 2.51%
Min: $25
5.00%
Garden Savings FCU
Platinum Checking
A 5.0 ★ TX: 10.13%
Min: $0
5.00%
Spencer Savings Bank
Kasasa Cash Checking
A+ 5.0 ★ TX: 3.96%
Min: $0
4.00%
Bogota Savings Bank
Prestige Checking
B 4.5 ★ TX: 20.77%
Min: $500
3.00%
CU Top 5 Credit Union Rates
Affinity Federal Credit Union
High-Yield Checking Account
A 5.0 ★ TX: 9.20%
Min: $5
5.50%
Andrews Federal Credit Union
Kasasa Cash Checking
A 5.0 ★ TX: 10.28%
Min: $0
5.25%
Healthcare Employees Federal Credit Union
Healthy Checking
A+ 5.0 ★ TX: 2.73%
Min: $0
4.07%
The Atlantic Federal Credit Union
Ultra Checking
B+ 4.7 ★ TX: 18.92%
Min: $0
4.00%
Baxter Credit Union
PowerPlus Checking - Level 2
A 5.0 ★ TX: 6.31%
Min: $0
4.00%
Rates verified October 23, 2026 . Click an institution name to view its full profile, safety ratings, and all checking products.
Powered byMonitorBankRates

What Your Balance Earns at NJ Checking Averages

Annual interest earnings at current New Jersey 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 (2.018% APY)Monthly Earnings Free Checking (0.291% APY)Monthly Earnings
$2,500 $50.44 / year $4.20 $7.27 / year $0.61
$5,000 $100.88 / year $8.41 $14.54 / year $1.21
$10,000 $201.76 / year $16.81 $29.07 / year $2.42
$25,000 $504.40 / year $42.03 $72.68 / year $6.06
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: New Jersey checking rate averages as of October 25, 2026.
Powered byMonitorBankRates
50
Institutions with Checking Rates
Available in West Milford, New Jersey
25 Banks 25 Credit Unions

About Our West Milford, New Jersey Checking Rate Database

MonitorBankRates tracks checking account rates from 25 banks and 25 credit unions offering checking accounts to West Milford, New Jersey 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: Hanover Community Bank offers a checking account at 5.50% APY with a minimum deposit of $100. High-yield checking rates typically require qualifying monthly activity. Check the account details before opening.

How to Find the Best Checking Rates in West Milford, New Jersey

What to compare when shopping for an interest-bearing checking account in West Milford, New Jersey

To find the best checking APYs in West Milford, New Jersey, start with credit unions and online-only banks: West Milford, New Jersey 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 NJ high-yield checking average is 2.018% but top institutions serving West Milford, New Jersey are offering as high as 5.50%, 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 West Milford, New Jersey.

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: 50 institutions serving West Milford, New Jersey report checking rates to our database

Consider an Alternative If…

New Jersey Financial Snapshot

Local demographics and economic context for account holders. Source: U.S. Census Bureau (state-level data shown; city data not available)

Population 65+
17.2%
National avg: 17.3%
Median Individual Earnings
$55,173
National avg: $47,340
Poverty Rate
9.7%
National avg: 11.1%
Unemployment Rate
6.3%
National avg: 4.8%
Checking Earnings on 10% of Salary
$111/yr
At NJ HY checking avg 2.018% APY

At today’s NJ high-yield checking average of 2.018%, keeping 10% of the local median salary ($5,517) in a high-yield checking account would earn $111 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 West Milford, New Jersey Options

How interest-bearing checking accounts compare to the other deposit products available at banks and credit unions in West Milford, New Jersey.

Feature High-Yield Checking Free Checking High-Yield Savings Money Market
Current NJ Avg APY 2.018% 0.291% 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 New Jersey averages tracked in our database as of October 25, 2026. Rates are variable and may differ by institution. See individual product pages for full details.

West Milford, New Jersey 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 West Milford, New Jersey 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 West Milford, New Jersey Checking Rates

Verified October 23, 2026 · click a rate to use it
Rates shown are actual verified offers available in West Milford, New Jersey 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 West Milford, New Jersey 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 West Milford, New Jersey 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 West Milford, New Jersey. 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 NJ.

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 West Milford, New Jersey earn interest?

Most traditional local checking accounts in West Milford, New Jersey 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 West Milford, New Jersey FDIC insured?

Yes. Legitimate banks with branches in West Milford, New Jersey 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 West Milford, New Jersey?

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 West Milford, New Jersey?

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 West Milford, New Jersey

Based on our current data, some of the highest checking account APYs available to residents of West Milford, New Jersey include:
  • Hanover Community Bank
    Max Cash Checking: 5.50% APY
  • Affinity Federal Credit Union
    High-Yield Checking Account: 5.50% APY
  • Andrews Federal Credit Union
    Kasasa Cash Checking: 5.25% APY
  • Peoples Security Bank
    MaxEarnings Checking: 5.00% APY
  • Garden Savings FCU
    Platinum Checking: 5.00% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in West Milford, New Jersey. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: October 23, 2026

West Milford, New Jersey Rates & Resources