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Home Checking Accounts New York Checking Latham, New York iAdvertiser Disclosure
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Best Banks & Checking Accounts in Latham, New York - June 2026

The best checking rates for Latham, New York include Sunmark Credit UnionSunmark Credit Union1187 Troy Schenectady Rd, Latham, NY 12110 1086A5.0 ★Texas Ratio: 10.99% Checking Accounts at 6.00% APY, TrustCo BankTrustCo Bank602 New Loudon Rd, Latham, NY 12110A+5.0 ★Texas Ratio: 3.16% Home Town Investment Checking at 1.00% APY, Hudson Valley Credit UnionHudson Valley Credit Union851 New Loudon Rd, Latham, NY 12110 2106A+5.0 ★Texas Ratio: 3.74% Premier Checking Account at 0.05% APY, Broadview Federal Credit UnionBroadview Federal Credit Union935 New Loudon Rd, Latham, NY 12110A+5.0 ★Texas Ratio: 6.28% Free Checking at 0.00% APY, and Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.04% PowerPlusTM Checking Level 2 at 8.00% APY. Checking account rates as of June 9, 2026 according to verified data from MonitorBankRates.

Latham has 4 local institutions in our database, with checking rates as high as 6.00% APY from Sunmark Credit Union at 1187 Troy Schenectady Rd, Latham, NY, 12110 1086. 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 Latham, New York. Checking Account Rates Last Updated and Verified: June 9, 2026

Compare Checking Account Rates Today in Latham, New York & the Surrounding Area

Institutions:

Latham Checking Account Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
1187 Troy Schenectady Rd
Latham, NY 12110 1086
Checking Accounts
6.00%
$20
Rate5.84%
Min Deposit$20
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
1187 Troy Schenectady Rd
Latham, NY 12110 1086
6.00%
$0
Rate5.84%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

Qualifying balance up to $15,000.00

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
1187 Troy Schenectady Rd
Latham, NY 12110 1086
Signature Checking
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
1187 Troy Schenectady Rd
Latham, NY 12110 1086
Checking Accounts
1.00%
$20
Rate1.00%
Min Deposit$20
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
602 New Loudon Rd
Latham, NY 12110
Home Town Investment Checking
1.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedJun 3, 2026
Details

No additional details provided.

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
1187 Troy Schenectady Rd
Latham, NY 12110 1086
Checking Accounts
0.25%
$20
Rate0.25%
Min Deposit$20
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

Hudson Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
851 New Loudon Rd
Latham, NY 12110 2106
IOLA Business Checking Business
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
1187 Troy Schenectady Rd
Latham, NY 12110 1086
Business Earnings Checking Business
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
1187 Troy Schenectady Rd
Latham, NY 12110 1086
Business Earnings Checking Business
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

Hudson Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
851 New Loudon Rd
Latham, NY 12110 2106
Premier Checking Account
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

Hudson Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
851 New Loudon Rd
Latham, NY 12110 2106
Enhanced Business Checking Business
0.05%
$5
Rate0.05%
Min Deposit$5
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

Hudson Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
851 New Loudon Rd
Latham, NY 12110 2106
Teen Checking
0.02%
$0
Rate0.02%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

Hudson Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
851 New Loudon Rd
Latham, NY 12110 2106
Checking
0.02%
$0
Rate0.02%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
602 New Loudon Rd
Latham, NY 12110
Home Town Premier Checking
0.01%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedJun 3, 2026
Details

No additional details provided.

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
602 New Loudon Rd
Latham, NY 12110
Home Town Free Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedJun 3, 2026
Details

No additional details provided.

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
602 New Loudon Rd
Latham, NY 12110
Home Town Student Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedJun 3, 2026
Details

No additional details provided.

Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 6.28%
935 New Loudon Rd
Latham, NY 12110
Free Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
1187 Troy Schenectady Rd
Latham, NY 12110 1086
Business Basic Checking Business
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
1187 Troy Schenectady Rd
Latham, NY 12110 1086
Business Earnings Checking Business
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

Qualifying balance up to $2,499.99

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
PowerPlusTM Checking Level 2
8.00%
$0
Rate7.72%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

Qualifying balance up to $15000

Latham High Yield Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
1187 Troy Schenectady Rd
Latham, NY 12110 1086
6.00%
$0
Rate5.84%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

Qualifying balance up to $15,000.00

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
1187 Troy Schenectady Rd
Latham, NY 12110 1086
Checking Accounts
6.00%
$20
Rate5.84%
Min Deposit$20
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
1187 Troy Schenectady Rd
Latham, NY 12110 1086
Checking Accounts
1.00%
$20
Rate1.00%
Min Deposit$20
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
1187 Troy Schenectady Rd
Latham, NY 12110 1086
Signature Checking
1.00%
$0
Rate1.00%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
602 New Loudon Rd
Latham, NY 12110
Home Town Investment Checking
1.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedJun 3, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
PowerPlusTM Checking Level 2
8.00%
$0
Rate7.72%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

Qualifying balance up to $15000

AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.21%
High Rate Checking
7.00%
$0
Rate6.78%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

Qualifying balance up to $10,000.00

AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.21%
High Rate Checking
6.00%
$0
Rate5.84%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

Qualifying balance up to $10,000.00

Heritage Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.83%
Heritage High Yield Checking
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

Qualifying balance up to $25,000.00

Bank of Greene County
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
FREE e-CHECKING ACCOUNT
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedJun 3, 2026
Details

No additional details provided.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
PowerPlusTM Checking Level 1
4.00%
$0
Rate3.93%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

Qualifying balance up to $15000

Solvay Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.79%
High Interest Checking Special
4.00%
$15
Rate3.93%
Min Deposit$15
Min Balance
UpdatedJun 3, 2026
Details

Qualifying balance up to $15,000.00

Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Choice Checking
3.55%
$0
Rate3.48%
Min Deposit$0
Min Balance
UpdatedJun 5, 2026
Details

Preferred

Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Choice Checking
3.03%
$0
Rate2.98%
Min Deposit$0
Min Balance
UpdatedJun 5, 2026
Details

No additional details provided.

Genesee Regional Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
Elite Checking
3.00%
$0
Rate2.96%
Min Deposit$0
Min Balance
UpdatedJun 3, 2026
Details

12 transactions or more per month

Patriot Bank N.A.
Institution Rating:
F2.4 ★ Texas Ratio: 45.79%
CA IOLTA/IOLA Checking
2.80%
$0
Rate2.72%
Min Deposit$0
Min Balance
UpdatedJun 3, 2026
Details

No additional details provided.

Patriot Bank N.A.
Institution Rating:
F2.4 ★ Texas Ratio: 45.79%
CT IOLTA/IOLA Checking
2.50%
$0
Rate2.44%
Min Deposit$0
Min Balance
UpdatedJun 3, 2026
Details

No additional details provided.

Patriot Bank N.A.
Institution Rating:
F2.4 ★ Texas Ratio: 45.79%
Municipal Interest Checking
2.50%
$0
Rate2.44%
Min Deposit$0
Min Balance
UpdatedJun 3, 2026
Details

No additional details provided.

Patriot Bank N.A.
Institution Rating:
F2.4 ★ Texas Ratio: 45.79%
NY IOLTA/IOLA Checking
2.50%
$0
Rate2.44%
Min Deposit$0
Min Balance
UpdatedJun 3, 2026
Details

No additional details provided.

Centra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.67%
High Interest Checking
2.45%
$0
Rate2.42%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

Latham Rewards Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
1187 Troy Schenectady Rd
Latham, NY 12110 1086
6.00%
$0
Rate5.84%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

Qualifying balance up to $15,000.00

North Country Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
NCSB Premium Rewards Checking-Qualified
1.51%
$25
Rate1.50%
Min Deposit$25
Min Balance
UpdatedJun 4, 2026
Details

Tier 1

Northern Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.51%
Choice Rewards Checking
0.26%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

North Country Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
NCSB Premium Rewards Checking-Qualified
0.10%
$25
Rate0.10%
Min Deposit$25
Min Balance
UpdatedJun 4, 2026
Details

Tier 2

North Country Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
NCSB Premium Rewards Checking-Unqualified
0.03%
$25
Rate0.03%
Min Deposit$25
Min Balance
UpdatedJun 4, 2026
Details

No additional details provided.

Genesee Regional Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
Reward Checking
0.03%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedJun 3, 2026
Details

Qualifications Required: 12 transactions or more per month; Earn 3.00% APY on account balances from $0.01 to $15,000.00 when you have at least 12 transactions post and clear during a calendar month. Earn 0.03% on all account balances over $15,000.00.

AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.21%
Rewards Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

Latham Free Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
602 New Loudon Rd
Latham, NY 12110
Home Town Free Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedJun 3, 2026
Details

No additional details provided.

Broadview Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 6.28%
935 New Loudon Rd
Latham, NY 12110
Free Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

Bank of Greene County
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
FREE e-CHECKING ACCOUNT
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedJun 3, 2026
Details

No additional details provided.

Apple Bank for Savings
Institution Rating:
A+5.0 ★ Texas Ratio: 1.54%
Simple Checking Account
1.01%
$100
Rate1.00%
Min Deposit$100
Min Balance
UpdatedJun 5, 2026
Details

Online Only

FourLeaf Federal Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 15.93%
Free Checking (Bonus Checking)
0.40%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedJun 3, 2026
Details

No additional details provided.

ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
Free Checking
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedJun 1, 2026
Details

No additional details provided.

Access Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.31%
e-ACCESS Checking
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedJun 7, 2026
Details

No additional details provided.

GHS Federal Credit Union
Institution Rating:
D3.2 ★ Texas Ratio: 31.38%
50+ Free Checking
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMay 22, 2026
Details

No additional details provided.

GHS Federal Credit Union
Institution Rating:
D3.2 ★ Texas Ratio: 31.38%
VIP Free Checking
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMay 22, 2026
Details

No additional details provided.

Bank of Greene County
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
FREE e-CHECKING ACCOUNT
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedJun 3, 2026
Details

No additional details provided.

ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
Free Checking
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedJun 1, 2026
Details

No additional details provided.

Empire State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.86%
Free Personal Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedJun 4, 2026
Details

No additional details provided.

ADVANTAGE FINANCIAL
Institution Rating:
A5.0 ★ Texas Ratio: 7.37%
Free Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedJun 1, 2026
Details

No additional details provided.

Heritage Family Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.20%
Basic Checking Account
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedJun 9, 2026
Details

No additional details provided.

Genesee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
Free Quality Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 22, 2026
Details

No additional details provided.

Spencerport Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.78%
Free Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 22, 2026
Details

No additional details provided.

AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.21%
Freedom Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

Latham Student Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
851 New Loudon Rd
Latham, NY 12110 2106
Teen Checking
0.02%
$0
Rate0.02%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

TrustCo Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.16%
602 New Loudon Rd
Latham, NY 12110
Home Town Student Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedJun 3, 2026
Details

No additional details provided.

Genesee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.22%
Youth Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 22, 2026
Details

No additional details provided.

Palisades Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.94%
Youth Checking
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 22, 2026
Details

No additional details provided.

Latham Business Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Hudson Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
851 New Loudon Rd
Latham, NY 12110 2106
IOLA Business Checking Business
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
1187 Troy Schenectady Rd
Latham, NY 12110 1086
Business Earnings Checking Business
0.10%
$0
Rate0.10%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

Hudson Valley Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.74%
851 New Loudon Rd
Latham, NY 12110 2106
Enhanced Business Checking Business
0.05%
$5
Rate0.05%
Min Deposit$5
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
1187 Troy Schenectady Rd
Latham, NY 12110 1086
Business Earnings Checking Business
0.05%
$0
Rate0.05%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
1187 Troy Schenectady Rd
Latham, NY 12110 1086
Business Earnings Checking Business
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

Qualifying balance up to $2,499.99

Sunmark Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.99%
1187 Troy Schenectady Rd
Latham, NY 12110 1086
Business Basic Checking Business
0.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.21%
Business High Rate Checking Business
7.00%
$0
Rate6.20%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

Qualifying balance up to $10,000.00

Bank of Greene County
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
FREE e-BUSINESS CHECKING ACCOUNT Business
5.00%
$0
Rate4.89%
Min Deposit$0
Min Balance
UpdatedJun 3, 2026
Details

No additional details provided.

Patriot Bank N.A.
Institution Rating:
F2.4 ★ Texas Ratio: 45.79%
The One Account for Business (Checking) Business
2.00%
$0
Rate2.00%
Min Deposit$0
Min Balance
UpdatedJun 3, 2026
Details

No additional details provided.

Newtek Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.72%
Business Checking Business
1.00%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedJun 3, 2026
Details

Interest Income Benefit $7,500; Yearly Fee Savings $2,520.00

EverBank
Institution Rating:
B4.5 ★ Texas Ratio: 20.65%
Business Interest Checking Business
0.55%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedJun 3, 2026
Details

No additional details provided.

EverBank
Institution Rating:
B4.5 ★ Texas Ratio: 20.65%
Small Business Checking Business
0.50%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedJun 3, 2026
Details

No additional details provided.

Customers Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
Commercial Interest Checking Plus Business
0.35%
$50
Rate0.00%
Min Deposit$50
Min Balance
UpdatedJun 3, 2026
Details

Balances under $100,000 earn 0.05% APY. Fees may reduce earnings. Available Online Only. New commercial customers only.

Baxter Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.04%
Premier Business Checking Business
0.25%
$0
Rate0.25%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

Heritage Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.83%
Business Advance Checking Account Business
0.25%
$0
Rate0.12%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

AmeriCU Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 14.21%
Business High Rate Checking Business
0.20%
$0
Rate0.20%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

Qualifying balance up to $50,000.01 and Greater

Mid-Hudson Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.48%
Business Ultra Checking Business
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMay 22, 2026
Details

No additional details provided.

Heritage Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.83%
Business Next Level Checking Account Business
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMay 20, 2026
Details

No additional details provided.

GHS Federal Credit Union
Institution Rating:
D3.2 ★ Texas Ratio: 31.38%
Premier Yield Business Checking Business
0.15%
$0
Rate0.15%
Min Deposit$0
Min Balance
UpdatedMay 22, 2026
Details

No additional details provided.

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
Business Checking Business
0.15%
$0
Rate0.00%
Min Deposit$0
Min Balance
UpdatedJun 9, 2026
Details

No additional details provided.

Latham, NY Checking Rate Trends

Compare local Latham, NY 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 York Checking Trends →
High-Yield Checking — NY Avg
2.928%
▼ 0.605 vs 7 days ago

New York high-yield checking rates fell 0.605 points over the past 7 days to 2.928% APY.

Free Checking — NY Avg
1.392%
▲ 0.217 vs 7 days ago

New York free checking rates rose 0.217 points over the past 7 days to 1.392% APY.

As of Jun 9, 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 Latham, New York 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 Latham, New York 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 Latham, New York. 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 NY.

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 Latham, New York earn interest?

Most traditional local checking accounts in Latham, New York 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 Latham, New York FDIC insured?

Yes. Legitimate banks with branches in Latham, New York 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 Latham, New York

Based on our current data, some of the highest checking account APYs available to residents of Latham, New York include:
  • Sunmark Credit Union
    Checking Accounts — 6.00% APY
  • TrustCo Bank
    Home Town Investment Checking — 1.00% APY
  • Hudson Valley Credit Union
    Premier Checking Account — 0.05% APY
  • Broadview Federal Credit Union
    Free Checking — 0.00% APY
  • Baxter Credit Union
    PowerPlusTM Checking Level 2 — 8.00% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Latham, New York. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: June 9, 2026