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Checking Rate Trends

Warsaw, North Carolina Best Checking Accounts & Rates October 2026

Warsaw, North Carolina checking account rates from banks and credit unions serving North Carolina range from 0.01% to 6.00% APY, verified by MonitorBankRates as of October 23, 2026. The best checking rates for Warsaw, North Carolina include Mountain Credit UnionMountain Credit UnionA+5.0 ★Texas Ratio: 3.23%Rate verified Oct 19, 2026 Summit Personal Checking at 6.00% APY, United Federal Credit UnionUnited Federal Credit UnionA+5.0 ★Texas Ratio: 4.11%Rate verified Oct 23, 2026 Ultra Checking at 5.00% APY, Center Parc Credit UnionCenter Parc Credit UnionA+5.0 ★Texas Ratio: 5.56%Rate verified Oct 22, 2026 Kasasa Cash Checking at 5.00% APY, Revity Federal Credit UnionRevity Federal Credit UnionA-5.0 ★Texas Ratio: 15.13%Rate verified Oct 19, 2026 Revity High-Yield Checking at 5.00% APY, and Blue Ridge Bank National AssociationBlue Ridge Bank National AssociationA5.0 ★Texas Ratio: 8.11%Rate verified Oct 22, 2026 Kasasa Cash Checking at 4.50% APY. Checking account rates as of October 23, 2026 according to verified data from MonitorBankRates.

Warsaw is a smaller community with no bank or credit union branches currently in our database. 37 institutions serving the North Carolina area are available to Warsaw residents, with checking rates as high as 6.00% APY from Mountain Credit Union. Rates are continually updated, so we recommend checking back frequently.

Checking account rates reflect recent market quotes and representative offers available to depositors in Warsaw, North Carolina. Checking Account Rates Last Updated and Verified: October 23, 2026

Compare Checking Account Rates Today in Warsaw, North Carolina & the Surrounding Area

Institutions:

Warsaw Checking Account Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Mountain Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
Summit Personal Checking
6.00%
$0
▼
Rate5.84%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

Dividends Paid: Monthly

Rate History
No change since Sep 18, 2026 · 6.00% APY · checked 7 times
5.50%6.00%6.50%Sep 18, 2026: 6.00% APYSep 18, 2026Oct 25, 2026
Mountain Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
Trailhead Student Checking
6.00%
$0
▼
Rate5.84%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

Dividends Paid: Monthly

Rate History
No change since Sep 18, 2026 · 6.00% APY · checked 7 times
5.50%6.00%6.50%Sep 18, 2026: 6.00% APYSep 18, 2026Oct 25, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Ultra Checking
5.00%
$50
▼
Rate4.89%
Min Deposit$50
Min BalanceN/A
UpdatedOct 23, 2026
Details

Qualifications Required: At least 20 cleared signature (swipe and sign) credit or non-PIN debit card transactions on this account (may include U Boost, U First, or U Rewards credit card transactions by the Tax Reported Owner) posted by 11:59 PM ET on the second to last calendar day of the dividend period; 1 direct deposit or electronic auto payment (ACH) from this account posted by the same deadline; active enrollment in e-statements; Qualifying balance up to $10,000.00; TOTAL Rate (Base + Bonus); Bonus APY earned when monthly requirements are met; Rates may change after account is opened; Fees could reduce earnings; One account per Member

Rate History
1 change since Sep 12, 2026 · 4.95% → 5.00% ▲ 0.05 pts · high 5.00% / low 4.95%
4.45%4.98%5.50%Sep 12, 2026: 4.95% APYOct 2, 2026: 5.00% APYSep 12, 2026Oct 25, 2026
  • Oct 2, 20265.00%▲ from 4.95%
  • Sep 12, 20264.95%first recorded
Center Parc Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
Kasasa Cash Checking
5.00%
$1
▼
Rate4.89%
Min Deposit$1
Min BalanceN/A
UpdatedOct 22, 2026
Details

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

Rate History
No change since Oct 22, 2026 · 5.00% APY
4.50%5.00%5.50%Oct 22, 2026: 5.00% APYOct 22, 2026Oct 25, 2026
Revity Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.13%
Revity High-Yield Checking
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

Qualifications Required: Monthly qualifications met; Balance: $0.01-$15,000.00

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
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
Kasasa Cash Checking
4.50%
$100
▼
Rate4.41%
Min Deposit$100
Min BalanceN/A
UpdatedOct 22, 2026
Details

Qualifications Required; Balance: $0.01 - $15,000.99; Domestic ATM fees reimbursed up to $20; Interest transferred to Kasasa Saver each statement cycle; Rates effective as of 09/28/2026

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 9 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 25, 2026
New Peoples Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
Peoples Premier Checking
4.00%
$100
▼
Rate3.92%
Min Deposit$100
Min BalanceN/A
UpdatedOct 22, 2026
Details

Term: For Your First 6 Months; Qualifications Required; Introductory premium rate for first six months from account opening; Balance: $0 - $25,000.00; Balances over $25,000 earn .25% APY after introductory period; After six months, standard variable rate applies to entire balance; APY applies to new accounts opened on or after 10/1/2026; Fees could reduce earnings

Rate History
No change since Oct 22, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 25, 2026
Benchmark Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.65%
$uccess Checking
4.00%
$100
▼
Rate3.93%
Min Deposit$100
Min BalanceN/A
UpdatedOct 20, 2026
Details

Interest is compounded monthly on checking accounts; $100 minimum to open; Fees and other charges may reduce the quoted APY

Rate History
1 change since Sep 8, 2026 · 0.10% → 4.00% ▲ 3.90 pts · high 4.00% / low 0.10%
0.00%3.95%7.90%Sep 8, 2026: 0.10% APYSep 19, 2026: 4.00% APYSep 8, 2026Oct 25, 2026
  • Sep 19, 20264.00%▲ from 0.10%
  • Sep 8, 20260.10%first recorded
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
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
Golden Advantage Checking
3.08%
$0
▼
Rate3.03%
Min Deposit$0
Min BalanceN/A
UpdatedOct 22, 2026
Details

Balance: $5,000,000.00 and Greater

Rate History
1 change since Oct 14, 2026 · 3.07% → 3.08% ▲ 0.01 pts · high 3.08% / low 3.07%
2.57%3.08%3.58%Oct 14, 2026: 3.07% APYOct 20, 2026: 3.08% APYOct 14, 2026Oct 25, 2026
  • Oct 20, 20263.08%▲ from 3.07%
  • Oct 14, 20263.07%first recorded
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
SmartRate Checking
3.00%
$50
▼
Rate2.96%
Min Deposit$50
Min BalanceN/A
UpdatedOct 23, 2026
Details

Qualifications Required; Balance: Up to $25,000.00; APYs accurate as of 02.01.26; If requirements are not met, all balances earn 0.05% APY

Rate History
No change since Oct 13, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 13, 2026: 3.00% APYOct 13, 2026Oct 25, 2026
Centra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.34%
High Interest Checking
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

Balance: $0.00 - $1,000.00; Qualifying balance up to $1,000.00; Rate Specials; must meet qualifiers (footnote 3)

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 25, 2026
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
Golden Advantage Checking
2.83%
$0
▼
Rate2.78%
Min Deposit$0
Min BalanceN/A
UpdatedOct 22, 2026
Details

Balance: $3,000,000.00 - $4,999,999.99

Rate History
1 change since Oct 14, 2026 · 2.82% → 2.83% ▲ 0.01 pts · high 2.83% / low 2.82%
2.32%2.83%3.33%Oct 14, 2026: 2.82% APYOct 20, 2026: 2.83% APYOct 14, 2026Oct 25, 2026
  • Oct 20, 20262.83%▲ from 2.82%
  • Oct 14, 20262.82%first recorded
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
Golden Advantage Checking
2.63%
$0
▼
Rate2.59%
Min Deposit$0
Min BalanceN/A
UpdatedOct 22, 2026
Details

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

Rate History
2 changes since Sep 18, 2026 · 2.52% → 2.63% ▲ 0.11 pts · high 2.63% / low 2.52%
2.02%2.58%3.13%Sep 18, 2026: 2.52% APYOct 14, 2026: 2.62% APYOct 20, 2026: 2.63% APYSep 18, 2026Oct 25, 2026
  • Oct 20, 20262.63%▲ from 2.62%
  • Oct 14, 20262.62%▲ from 2.52%
  • Sep 18, 20262.52%first recorded
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
Golden Advantage Checking
2.53%
$0
▼
Rate2.49%
Min Deposit$0
Min BalanceN/A
UpdatedOct 22, 2026
Details

Balance: $250,000.00 - $999,999.99

Rate History
1 change since Sep 18, 2026 · 2.52% → 2.53% ▲ 0.01 pts · high 2.53% / low 2.52%
2.02%2.53%3.03%Sep 18, 2026: 2.52% APYOct 20, 2026: 2.53% APYSep 18, 2026Oct 25, 2026
  • Oct 20, 20262.53%▲ from 2.52%
  • Sep 18, 20262.52%first recorded
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.95%
Non-Profit Checking
2.50%
$100
▼
Rate2.47%
Min Deposit$100
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $100,000 and over; *$100 minimum opening deposit

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 8 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 25, 2026
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
Golden Advantage Checking
2.43%
$0
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
UpdatedOct 22, 2026
Details

Balance: $100,000.00 - $249,999.99

Rate History
1 change since Sep 18, 2026 · 2.42% → 2.43% ▲ 0.01 pts · high 2.43% / low 2.42%
1.92%2.43%2.93%Sep 18, 2026: 2.42% APYOct 20, 2026: 2.43% APYSep 18, 2026Oct 25, 2026
  • Oct 20, 20262.43%▲ from 2.42%
  • Sep 18, 20262.42%first recorded
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
Golden Advantage Checking
2.08%
$0
▼
Rate2.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 22, 2026
Details

Balance: $250,000.00 - $499,999.99

Rate History
2 changes since Sep 18, 2026 · 2.52% → 2.08% ▼ 0.44 pts · high 2.52% / low 2.07%
1.57%2.30%3.02%Sep 18, 2026: 2.52% APYOct 14, 2026: 2.07% APYOct 20, 2026: 2.08% APYSep 18, 2026Oct 25, 2026
  • Oct 20, 20262.08%▲ from 2.07%
  • Oct 14, 20262.07%▼ from 2.52%
  • Sep 18, 20262.52%first recorded
Paramount Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
Interest Checking
2.00%
$100
▼
Rate2.00%
Min Deposit$100
Min BalanceN/A
UpdatedOct 22, 2026
Details

Balance: $0.00 - $100,000.00; No Monthly Requirement; No Fees; Balances over $100,000.00 earn 0.10% on the portion above $100,000.00; account must be funded within 30 days; rate as of October 22, 2026

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 25, 2026
First Federal Bank Dunn, NC
Institution Rating:
A4.8 ★ Texas Ratio: 5.15%
Smart Checking
2.00%
$100
▼
Rate1.98%
Min Deposit$100
Min BalanceN/A
UpdatedOct 22, 2026
Details

Qualifications Required; Balance: $0.00 - $10,000.00; Qualifying balance up to $10,000.00

Rate History
No change since Oct 14, 2026 · 2.00% APY · checked 4 times
1.50%2.00%2.50%Oct 14, 2026: 2.00% APYOct 14, 2026Oct 25, 2026
Sharonview Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.09%
High-Yield Checking
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance up to $10,000; dividend rate 1.98%, APY 2.00%

Rate History
1 change since Sep 14, 2026 · 0.05% → 2.00% ▲ 1.95 pts · high 2.00% / low 0.05%
0.00%1.98%3.95%Sep 14, 2026: 0.05% APYOct 13, 2026: 2.00% APYSep 14, 2026Oct 25, 2026
  • Oct 13, 20262.00%▲ from 0.05%
  • Sep 14, 20260.05%first recorded
Telco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Sharedraft/Checking Account
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
UpdatedOct 22, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Rate History
No change since Oct 22, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 22, 2026: 2.00% APYOct 22, 2026Oct 25, 2026
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
Golden Advantage Checking
1.88%
$0
▼
Rate1.85%
Min Deposit$0
Min BalanceN/A
UpdatedOct 22, 2026
Details

Balance: $100,000.00 - $249,999.99

Rate History
2 changes since Sep 18, 2026 · 2.42% → 1.88% ▼ 0.54 pts · high 2.42% / low 1.87%
1.32%2.15%2.97%Sep 18, 2026: 2.42% APYOct 14, 2026: 1.87% APYOct 20, 2026: 1.88% APYSep 18, 2026Oct 25, 2026
  • Oct 20, 20261.88%▲ from 1.87%
  • Oct 14, 20261.87%▼ from 2.42%
  • Sep 18, 20262.42%first recorded
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
Simple+ Checking
1.75%
$25
▼
Rate1.74%
Min Deposit$25
Min BalanceN/A
UpdatedOct 19, 2026
Details

Qualifications Required; Balance: up to $20,000.00 (Tier 1 rate applied to account balance up to $20,000)

Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 5 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 25, 2026
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
First Honor Checking
1.51%
$50
▼
Rate1.50%
Min Deposit$50
Min BalanceN/A
UpdatedOct 22, 2026
Details

Minimum balance to avoid $10 service fee: $1,000; Rates may change after account is opened; Fees may reduce earnings

Rate History
No change since Sep 18, 2026 · 1.51% APY · checked 8 times
1.01%1.51%2.01%Sep 18, 2026: 1.51% APYSep 18, 2026Oct 25, 2026
FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
FirstRewards Checking
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
UpdatedOct 20, 2026
Details

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

Rate History
No change since Sep 18, 2026 · 1.51% APY · checked 8 times
1.01%1.51%2.01%Sep 18, 2026: 1.51% APYSep 18, 2026Oct 25, 2026
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
Golden Advantage Checking
1.38%
$0
▼
Rate1.36%
Min Deposit$0
Min BalanceN/A
UpdatedOct 22, 2026
Details

Balance: $50,000 - $99,999.99

Rate History
2 changes since Sep 18, 2026 · 1.25% → 1.38% ▲ 0.13 pts · high 1.38% / low 1.25%
0.75%1.32%1.88%Sep 18, 2026: 1.25% APYOct 14, 2026: 1.37% APYOct 20, 2026: 1.38% APYSep 18, 2026Oct 25, 2026
  • Oct 20, 20261.38%▲ from 1.37%
  • Oct 14, 20261.37%▲ from 1.25%
  • Sep 18, 20261.25%first recorded
Grasshopper Bank, N.A.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Accelerator Business Checking Business
1.35%
$100
▼
Rate1.34%
Min Deposit$100
Min BalanceN/A
UpdatedOct 22, 2026
Details

Balance: $25,000.00 - $250,000.00

Rate History
No change since Oct 22, 2026 · 1.35% APY
0.85%1.35%1.85%Oct 22, 2026: 1.35% APYOct 22, 2026Oct 25, 2026
Grasshopper Bank, N.A.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
CRE Business Checking Business
1.35%
$100
▼
Rate1.34%
Min Deposit$100
Min BalanceN/A
UpdatedOct 22, 2026
Details

Balance: $25,000.00 - $250,000.00

Rate History
No change since Oct 22, 2026 · 1.35% APY
0.85%1.35%1.85%Oct 22, 2026: 1.35% APYOct 22, 2026Oct 25, 2026
Grasshopper Bank, N.A.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Innovator Business Checking Business
1.35%
$100
▼
Rate1.34%
Min Deposit$100
Min BalanceN/A
UpdatedOct 22, 2026
Details

Balance: $25,000.00 - $250,000.00

Rate History
No change since Oct 22, 2026 · 1.35% APY
0.85%1.35%1.85%Oct 22, 2026: 1.35% APYOct 22, 2026Oct 25, 2026
RTP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
Interest Checking
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

30 + debit card transactions

Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 9 times
0.76%1.26%1.76%Sep 14, 2026: 1.26% APYSep 14, 2026Oct 25, 2026
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
Golden Advantage Checking
1.25%
$0
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
UpdatedOct 22, 2026
Details

Balance: $50,000.00 - $99,999.99

Rate History
No change since Sep 18, 2026 · 1.25% APY · checked 7 times
0.75%1.25%1.75%Sep 18, 2026: 1.25% APYSep 18, 2026Oct 25, 2026
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
Golden Advantage Checking
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 22, 2026
Details

Balance: $25,000.00 - $49,999.99

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
Grasshopper Bank, N.A.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Accelerator Business Checking Business
1.00%
$100
▼
Rate1.00%
Min Deposit$100
Min BalanceN/A
UpdatedOct 22, 2026
Details

Balance: $0.01 - $24.999.99

Rate History
No change since Oct 22, 2026 · 1.00% APY
0.50%1.00%1.50%Oct 22, 2026: 1.00% APYOct 22, 2026Oct 25, 2026
Grasshopper Bank, N.A.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
CRE Business Checking Business
1.00%
$100
▼
Rate1.00%
Min Deposit$100
Min BalanceN/A
UpdatedOct 22, 2026
Details

Balance: $0.01 - $24,999.99

Rate History
No change since Oct 22, 2026 · 1.00% APY
0.50%1.00%1.50%Oct 22, 2026: 1.00% APYOct 22, 2026Oct 25, 2026
Grasshopper Bank, N.A.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Innovator Business Checking Business
1.00%
$100
▼
Rate1.00%
Min Deposit$100
Min BalanceN/A
UpdatedOct 22, 2026
Details

Balance: $0.01 - $24.999.99

Rate History
No change since Oct 22, 2026 · 1.00% APY
0.50%1.00%1.50%Oct 22, 2026: 1.00% APYOct 22, 2026Oct 25, 2026
Center Parc Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
Business Advantage Checking Plus Business
1.00%
$100
▼
Rate1.00%
Min Deposit$100
Min BalanceN/A
UpdatedOct 22, 2026
Details

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

Rate History
No change since Oct 22, 2026 · 1.00% APY
0.50%1.00%1.50%Oct 22, 2026: 1.00% APYOct 22, 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

Warsaw High Yield Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Mountain Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
Summit Personal Checking
6.00%
$0
▼
Rate5.84%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

Dividends Paid: Monthly

Rate History
No change since Sep 18, 2026 · 6.00% APY · checked 7 times
5.50%6.00%6.50%Sep 18, 2026: 6.00% APYSep 18, 2026Oct 25, 2026
Mountain Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
Trailhead Student Checking
6.00%
$0
▼
Rate5.84%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

Dividends Paid: Monthly

Rate History
No change since Sep 18, 2026 · 6.00% APY · checked 7 times
5.50%6.00%6.50%Sep 18, 2026: 6.00% APYSep 18, 2026Oct 25, 2026
United Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.11%
Ultra Checking
5.00%
$50
▼
Rate4.89%
Min Deposit$50
Min BalanceN/A
UpdatedOct 23, 2026
Details

Qualifications Required: At least 20 cleared signature (swipe and sign) credit or non-PIN debit card transactions on this account (may include U Boost, U First, or U Rewards credit card transactions by the Tax Reported Owner) posted by 11:59 PM ET on the second to last calendar day of the dividend period; 1 direct deposit or electronic auto payment (ACH) from this account posted by the same deadline; active enrollment in e-statements; Qualifying balance up to $10,000.00; TOTAL Rate (Base + Bonus); Bonus APY earned when monthly requirements are met; Rates may change after account is opened; Fees could reduce earnings; One account per Member

Rate History
1 change since Sep 12, 2026 · 4.95% → 5.00% ▲ 0.05 pts · high 5.00% / low 4.95%
4.45%4.98%5.50%Sep 12, 2026: 4.95% APYOct 2, 2026: 5.00% APYSep 12, 2026Oct 25, 2026
  • Oct 2, 20265.00%▲ from 4.95%
  • Sep 12, 20264.95%first recorded
Center Parc Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
Kasasa Cash Checking
5.00%
$1
▼
Rate4.89%
Min Deposit$1
Min BalanceN/A
UpdatedOct 22, 2026
Details

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

Rate History
No change since Oct 22, 2026 · 5.00% APY
4.50%5.00%5.50%Oct 22, 2026: 5.00% APYOct 22, 2026Oct 25, 2026
Revity Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.13%
Revity High-Yield Checking
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

Qualifications Required: Monthly qualifications met; Balance: $0.01-$15,000.00

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
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
Kasasa Cash Checking
4.50%
$100
▼
Rate4.41%
Min Deposit$100
Min BalanceN/A
UpdatedOct 22, 2026
Details

Qualifications Required; Balance: $0.01 - $15,000.99; Domestic ATM fees reimbursed up to $20; Interest transferred to Kasasa Saver each statement cycle; Rates effective as of 09/28/2026

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 9 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 25, 2026
New Peoples Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.62%
Peoples Premier Checking
4.00%
$100
▼
Rate3.92%
Min Deposit$100
Min BalanceN/A
UpdatedOct 22, 2026
Details

Term: For Your First 6 Months; Qualifications Required; Introductory premium rate for first six months from account opening; Balance: $0 - $25,000.00; Balances over $25,000 earn .25% APY after introductory period; After six months, standard variable rate applies to entire balance; APY applies to new accounts opened on or after 10/1/2026; Fees could reduce earnings

Rate History
No change since Oct 22, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 22, 2026: 4.00% APYOct 22, 2026Oct 25, 2026
Benchmark Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.65%
$uccess Checking
4.00%
$100
▼
Rate3.93%
Min Deposit$100
Min BalanceN/A
UpdatedOct 20, 2026
Details

Interest is compounded monthly on checking accounts; $100 minimum to open; Fees and other charges may reduce the quoted APY

Rate History
1 change since Sep 8, 2026 · 0.10% → 4.00% ▲ 3.90 pts · high 4.00% / low 0.10%
0.00%3.95%7.90%Sep 8, 2026: 0.10% APYSep 19, 2026: 4.00% APYSep 8, 2026Oct 25, 2026
  • Sep 19, 20264.00%▲ from 0.10%
  • Sep 8, 20260.10%first recorded
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
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
Golden Advantage Checking
3.08%
$0
▼
Rate3.03%
Min Deposit$0
Min BalanceN/A
UpdatedOct 22, 2026
Details

Balance: $5,000,000.00 and Greater

Rate History
1 change since Oct 14, 2026 · 3.07% → 3.08% ▲ 0.01 pts · high 3.08% / low 3.07%
2.57%3.08%3.58%Oct 14, 2026: 3.07% APYOct 20, 2026: 3.08% APYOct 14, 2026Oct 25, 2026
  • Oct 20, 20263.08%▲ from 3.07%
  • Oct 14, 20263.07%first recorded
Allegacy Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.25%
SmartRate Checking
3.00%
$50
▼
Rate2.96%
Min Deposit$50
Min BalanceN/A
UpdatedOct 23, 2026
Details

Qualifications Required; Balance: Up to $25,000.00; APYs accurate as of 02.01.26; If requirements are not met, all balances earn 0.05% APY

Rate History
No change since Oct 13, 2026 · 3.00% APY · checked 3 times
2.50%3.00%3.50%Oct 13, 2026: 3.00% APYOct 13, 2026Oct 25, 2026
Centra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.34%
High Interest Checking
3.00%
$0
▼
Rate2.96%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

Balance: $0.00 - $1,000.00; Qualifying balance up to $1,000.00; Rate Specials; must meet qualifiers (footnote 3)

Rate History
No change since Sep 14, 2026 · 3.00% APY · checked 8 times
2.50%3.00%3.50%Sep 14, 2026: 3.00% APYSep 14, 2026Oct 25, 2026
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
Golden Advantage Checking
2.83%
$0
▼
Rate2.78%
Min Deposit$0
Min BalanceN/A
UpdatedOct 22, 2026
Details

Balance: $3,000,000.00 - $4,999,999.99

Rate History
1 change since Oct 14, 2026 · 2.82% → 2.83% ▲ 0.01 pts · high 2.83% / low 2.82%
2.32%2.83%3.33%Oct 14, 2026: 2.82% APYOct 20, 2026: 2.83% APYOct 14, 2026Oct 25, 2026
  • Oct 20, 20262.83%▲ from 2.82%
  • Oct 14, 20262.82%first recorded
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
Golden Advantage Checking
2.63%
$0
▼
Rate2.59%
Min Deposit$0
Min BalanceN/A
UpdatedOct 22, 2026
Details

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

Rate History
2 changes since Sep 18, 2026 · 2.52% → 2.63% ▲ 0.11 pts · high 2.63% / low 2.52%
2.02%2.58%3.13%Sep 18, 2026: 2.52% APYOct 14, 2026: 2.62% APYOct 20, 2026: 2.63% APYSep 18, 2026Oct 25, 2026
  • Oct 20, 20262.63%▲ from 2.62%
  • Oct 14, 20262.62%▲ from 2.52%
  • Sep 18, 20262.52%first recorded
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
Golden Advantage Checking
2.53%
$0
▼
Rate2.49%
Min Deposit$0
Min BalanceN/A
UpdatedOct 22, 2026
Details

Balance: $250,000.00 - $999,999.99

Rate History
1 change since Sep 18, 2026 · 2.52% → 2.53% ▲ 0.01 pts · high 2.53% / low 2.52%
2.02%2.53%3.03%Sep 18, 2026: 2.52% APYOct 20, 2026: 2.53% APYSep 18, 2026Oct 25, 2026
  • Oct 20, 20262.53%▲ from 2.52%
  • Sep 18, 20262.52%first recorded
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.95%
Non-Profit Checking
2.50%
$100
▼
Rate2.47%
Min Deposit$100
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $100,000 and over; *$100 minimum opening deposit

Rate History
No change since Sep 14, 2026 · 2.50% APY · checked 8 times
2.00%2.50%3.00%Sep 14, 2026: 2.50% APYSep 14, 2026Oct 25, 2026
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
Golden Advantage Checking
2.43%
$0
▼
Rate2.40%
Min Deposit$0
Min BalanceN/A
UpdatedOct 22, 2026
Details

Balance: $100,000.00 - $249,999.99

Rate History
1 change since Sep 18, 2026 · 2.42% → 2.43% ▲ 0.01 pts · high 2.43% / low 2.42%
1.92%2.43%2.93%Sep 18, 2026: 2.42% APYOct 20, 2026: 2.43% APYSep 18, 2026Oct 25, 2026
  • Oct 20, 20262.43%▲ from 2.42%
  • Sep 18, 20262.42%first recorded
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
Golden Advantage Checking
2.08%
$0
▼
Rate2.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 22, 2026
Details

Balance: $250,000.00 - $499,999.99

Rate History
2 changes since Sep 18, 2026 · 2.52% → 2.08% ▼ 0.44 pts · high 2.52% / low 2.07%
1.57%2.30%3.02%Sep 18, 2026: 2.52% APYOct 14, 2026: 2.07% APYOct 20, 2026: 2.08% APYSep 18, 2026Oct 25, 2026
  • Oct 20, 20262.08%▲ from 2.07%
  • Oct 14, 20262.07%▼ from 2.52%
  • Sep 18, 20262.52%first recorded
Paramount Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
Interest Checking
2.00%
$100
▼
Rate2.00%
Min Deposit$100
Min BalanceN/A
UpdatedOct 22, 2026
Details

Balance: $0.00 - $100,000.00; No Monthly Requirement; No Fees; Balances over $100,000.00 earn 0.10% on the portion above $100,000.00; account must be funded within 30 days; rate as of October 22, 2026

Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 7 times
1.50%2.00%2.50%Sep 14, 2026: 2.00% APYSep 14, 2026Oct 25, 2026
First Federal Bank Dunn, NC
Institution Rating:
A4.8 ★ Texas Ratio: 5.15%
Smart Checking
2.00%
$100
▼
Rate1.98%
Min Deposit$100
Min BalanceN/A
UpdatedOct 22, 2026
Details

Qualifications Required; Balance: $0.00 - $10,000.00; Qualifying balance up to $10,000.00

Rate History
No change since Oct 14, 2026 · 2.00% APY · checked 4 times
1.50%2.00%2.50%Oct 14, 2026: 2.00% APYOct 14, 2026Oct 25, 2026
Sharonview Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.09%
High-Yield Checking
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance up to $10,000; dividend rate 1.98%, APY 2.00%

Rate History
1 change since Sep 14, 2026 · 0.05% → 2.00% ▲ 1.95 pts · high 2.00% / low 0.05%
0.00%1.98%3.95%Sep 14, 2026: 0.05% APYOct 13, 2026: 2.00% APYSep 14, 2026Oct 25, 2026
  • Oct 13, 20262.00%▲ from 0.05%
  • Sep 14, 20260.05%first recorded
Telco Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.00%
Sharedraft/Checking Account
2.00%
$0
▼
Rate1.98%
Min Deposit$0
Min BalanceN/A
UpdatedOct 22, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Rate History
No change since Oct 22, 2026 · 2.00% APY
1.50%2.00%2.50%Oct 22, 2026: 2.00% APYOct 22, 2026Oct 25, 2026
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
Golden Advantage Checking
1.88%
$0
▼
Rate1.85%
Min Deposit$0
Min BalanceN/A
UpdatedOct 22, 2026
Details

Balance: $100,000.00 - $249,999.99

Rate History
2 changes since Sep 18, 2026 · 2.42% → 1.88% ▼ 0.54 pts · high 2.42% / low 1.87%
1.32%2.15%2.97%Sep 18, 2026: 2.42% APYOct 14, 2026: 1.87% APYOct 20, 2026: 1.88% APYSep 18, 2026Oct 25, 2026
  • Oct 20, 20261.88%▲ from 1.87%
  • Oct 14, 20261.87%▼ from 2.42%
  • Sep 18, 20262.42%first recorded
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
Simple+ Checking
1.75%
$25
▼
Rate1.74%
Min Deposit$25
Min BalanceN/A
UpdatedOct 19, 2026
Details

Qualifications Required; Balance: up to $20,000.00 (Tier 1 rate applied to account balance up to $20,000)

Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 5 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 25, 2026
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
First Honor Checking
1.51%
$50
▼
Rate1.50%
Min Deposit$50
Min BalanceN/A
UpdatedOct 22, 2026
Details

Minimum balance to avoid $10 service fee: $1,000; Rates may change after account is opened; Fees may reduce earnings

Rate History
No change since Sep 18, 2026 · 1.51% APY · checked 8 times
1.01%1.51%2.01%Sep 18, 2026: 1.51% APYSep 18, 2026Oct 25, 2026
FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
FirstRewards Checking
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
UpdatedOct 20, 2026
Details

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

Rate History
No change since Sep 18, 2026 · 1.51% APY · checked 8 times
1.01%1.51%2.01%Sep 18, 2026: 1.51% APYSep 18, 2026Oct 25, 2026
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
Golden Advantage Checking
1.38%
$0
▼
Rate1.36%
Min Deposit$0
Min BalanceN/A
UpdatedOct 22, 2026
Details

Balance: $50,000 - $99,999.99

Rate History
2 changes since Sep 18, 2026 · 1.25% → 1.38% ▲ 0.13 pts · high 1.38% / low 1.25%
0.75%1.32%1.88%Sep 18, 2026: 1.25% APYOct 14, 2026: 1.37% APYOct 20, 2026: 1.38% APYSep 18, 2026Oct 25, 2026
  • Oct 20, 20261.38%▲ from 1.37%
  • Oct 14, 20261.37%▲ from 1.25%
  • Sep 18, 20261.25%first recorded
RTP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
Interest Checking
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

30 + debit card transactions

Rate History
No change since Sep 14, 2026 · 1.26% APY · checked 9 times
0.76%1.26%1.76%Sep 14, 2026: 1.26% APYSep 14, 2026Oct 25, 2026
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
Golden Advantage Checking
1.25%
$0
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
UpdatedOct 22, 2026
Details

Balance: $50,000.00 - $99,999.99

Rate History
No change since Sep 18, 2026 · 1.25% APY · checked 7 times
0.75%1.25%1.75%Sep 18, 2026: 1.25% APYSep 18, 2026Oct 25, 2026
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
Golden Advantage Checking
1.00%
$0
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 22, 2026
Details

Balance: $25,000.00 - $49,999.99

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
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
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
Golden Advantage Checking
0.75%
$0
▼
Rate0.75%
Min Deposit$0
Min BalanceN/A
UpdatedOct 22, 2026
Details

Balance: $10,000 - $24,999.99

Rate History
No change since Sep 18, 2026 · 0.75% APY · checked 7 times
0.25%0.75%1.25%Sep 18, 2026: 0.75% APYSep 18, 2026Oct 25, 2026
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
Golden Advantage Checking
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
UpdatedOct 22, 2026
Details

Balance: $2,500 - $9,999.99

Rate History
No change since Sep 18, 2026 · 0.50% APY · checked 7 times
0.00%0.50%1.00%Sep 18, 2026: 0.50% APYSep 18, 2026Oct 25, 2026
FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
Interest Checking
0.50%
$1,000
▼
Rate0.50%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 20, 2026
Details

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

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 9 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 25, 2026
RTP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
Interest Checking
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

12-29 debit card transactions

Rate History
1 change since Sep 14, 2026 · 1.26% → 0.50% ▼ 0.76 pts · high 1.26% / low 0.50%
0.00%1.01%2.02%Sep 14, 2026: 1.26% APYOct 23, 2026: 0.50% APYSep 14, 2026Oct 25, 2026
  • Oct 23, 20260.50%▼ from 1.26%
  • Sep 14, 20261.26%first recorded
FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
Interest Checking
0.45%
$1,000
▼
Rate0.45%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 20, 2026
Details

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

Rate History
No change since Sep 14, 2026 · 0.45% APY · checked 9 times
0.00%0.48%0.95%Sep 14, 2026: 0.45% APYSep 14, 2026Oct 25, 2026
FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
Interest Checking
0.41%
$1,000
▼
Rate0.41%
Min Deposit$1,000
Min BalanceN/A
UpdatedOct 20, 2026
Details

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

Rate History
No change since Sep 14, 2026 · 0.41% APY · checked 9 times
0.00%0.45%0.91%Sep 14, 2026: 0.41% APYSep 14, 2026Oct 25, 2026

Warsaw Rewards Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Center Parc Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
Kasasa Cash Checking
5.00%
$1
▼
Rate4.89%
Min Deposit$1
Min BalanceN/A
UpdatedOct 22, 2026
Details

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

Rate History
No change since Oct 22, 2026 · 5.00% APY
4.50%5.00%5.50%Oct 22, 2026: 5.00% APYOct 22, 2026Oct 25, 2026
Blue Ridge Bank National Association
Institution Rating:
A5.0 ★ Texas Ratio: 8.11%
Kasasa Cash Checking
4.50%
$100
▼
Rate4.41%
Min Deposit$100
Min BalanceN/A
UpdatedOct 22, 2026
Details

Qualifications Required; Balance: $0.01 - $15,000.99; Domestic ATM fees reimbursed up to $20; Interest transferred to Kasasa Saver each statement cycle; Rates effective as of 09/28/2026

Rate History
No change since Sep 18, 2026 · 4.50% APY · checked 9 times
4.00%4.50%5.00%Sep 18, 2026: 4.50% APYSep 18, 2026Oct 25, 2026
FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 7.51%
FirstRewards Checking
1.51%
$0
▼
Rate1.50%
Min Deposit$0
Min BalanceN/A
UpdatedOct 20, 2026
Details

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

Rate History
No change since Sep 18, 2026 · 1.51% APY · checked 8 times
1.01%1.51%2.01%Sep 18, 2026: 1.51% APYSep 18, 2026Oct 25, 2026
First B&T Co. Lebanon, VA
Institution Rating:
A+5.0 ★ Texas Ratio: 2.42%
Premier Checking with Perks Account
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
UpdatedOct 20, 2026
Details

Balance: Equal to or greater than $2,500.00

Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 9 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 25, 2026
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Senior Rewards Checking
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

No additional details provided.

Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 25, 2026
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
WorkPerksTM Checking
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $2,500 +; Maintenance fee associated with this account could reduce earnings.

Rate History
No change since Sep 18, 2026 · 0.05% APY · checked 9 times
0.00%0.28%0.55%Sep 18, 2026: 0.05% APYSep 18, 2026Oct 25, 2026
North Carolina Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.58%
WorkPerksTM Checking
0.00%
$25
▼
Rate0.00%
Min Deposit$25
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $0 - $2,499

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

Warsaw Free Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Piedmont Advantage Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.82%
Simple+ Checking
1.75%
$25
▼
Rate1.74%
Min Deposit$25
Min BalanceN/A
UpdatedOct 19, 2026
Details

Qualifications Required; Balance: up to $20,000.00 (Tier 1 rate applied to account balance up to $20,000)

Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 5 times
1.25%1.75%2.25%Sep 14, 2026: 1.75% APYSep 14, 2026Oct 25, 2026
Revity Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.13%
Revity Basic Checking
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

Balance: $0.01 and above

Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 7 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 25, 2026
Latino Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.08%
Checking - Basic
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

No additional details provided.

Rate History
No change since Oct 14, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 14, 2026: 0.10% APYOct 14, 2026Oct 25, 2026
Fsnb
Institution Rating:
A+5.0 ★ Texas Ratio: 4.08%
Basic Checking
0.05%
$5
▼
Rate0.05%
Min Deposit$5
Min BalanceN/A
UpdatedOct 21, 2026
Details

Minimum balance to earn Interest and obtain APY: $500.00

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 25, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★ Texas Ratio: 75.00%
Essential Checking Account
0.05%
$5
▼
Rate0.05%
Min Deposit$5
Min BalanceN/A
UpdatedOct 23, 2026
Details

No additional details provided.

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
ABNB Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.45%
Everyday Earnings Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Balance: $0.01 and over; Rates are accurate as of 2/20/2024

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 9 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 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
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
Paramount Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
Free Checking
0.00%
$100
▼
Rate0.00%
Min Deposit$100
Min BalanceN/A
UpdatedOct 22, 2026
Details

No Fees

URW Community Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.25%
Absolutely Free Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Ages: 19-60; Minimum Balance:; Fees:

First Flight Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.28%
Everyday Checking
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

No additional details provided.

Warsaw Student Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Mountain Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
Trailhead Student Checking
6.00%
$0
▼
Rate5.84%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

Dividends Paid: Monthly

Rate History
No change since Sep 18, 2026 · 6.00% APY · checked 7 times
5.50%6.00%6.50%Sep 18, 2026: 6.00% APYSep 18, 2026Oct 25, 2026
Latino Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.08%
Checking - Youth
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

No additional details provided.

Rate History
No change since Oct 14, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 14, 2026: 0.10% APYOct 14, 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
Mountain Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
Student Checking
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

Dividends Paid: Quarterly

Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 8 times
0.00%0.26%0.51%Sep 14, 2026: 0.01% APYSep 14, 2026Oct 25, 2026

Warsaw Business Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Grasshopper Bank, N.A.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Accelerator Business Checking Business
1.35%
$100
▼
Rate1.34%
Min Deposit$100
Min BalanceN/A
UpdatedOct 22, 2026
Details

Balance: $25,000.00 - $250,000.00

Rate History
No change since Oct 22, 2026 · 1.35% APY
0.85%1.35%1.85%Oct 22, 2026: 1.35% APYOct 22, 2026Oct 25, 2026
Grasshopper Bank, N.A.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
CRE Business Checking Business
1.35%
$100
▼
Rate1.34%
Min Deposit$100
Min BalanceN/A
UpdatedOct 22, 2026
Details

Balance: $25,000.00 - $250,000.00

Rate History
No change since Oct 22, 2026 · 1.35% APY
0.85%1.35%1.85%Oct 22, 2026: 1.35% APYOct 22, 2026Oct 25, 2026
Grasshopper Bank, N.A.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Innovator Business Checking Business
1.35%
$100
▼
Rate1.34%
Min Deposit$100
Min BalanceN/A
UpdatedOct 22, 2026
Details

Balance: $25,000.00 - $250,000.00

Rate History
No change since Oct 22, 2026 · 1.35% APY
0.85%1.35%1.85%Oct 22, 2026: 1.35% APYOct 22, 2026Oct 25, 2026
Grasshopper Bank, N.A.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Accelerator Business Checking Business
1.00%
$100
▼
Rate1.00%
Min Deposit$100
Min BalanceN/A
UpdatedOct 22, 2026
Details

Balance: $0.01 - $24.999.99

Rate History
No change since Oct 22, 2026 · 1.00% APY
0.50%1.00%1.50%Oct 22, 2026: 1.00% APYOct 22, 2026Oct 25, 2026
Grasshopper Bank, N.A.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
CRE Business Checking Business
1.00%
$100
▼
Rate1.00%
Min Deposit$100
Min BalanceN/A
UpdatedOct 22, 2026
Details

Balance: $0.01 - $24,999.99

Rate History
No change since Oct 22, 2026 · 1.00% APY
0.50%1.00%1.50%Oct 22, 2026: 1.00% APYOct 22, 2026Oct 25, 2026
Grasshopper Bank, N.A.
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Innovator Business Checking Business
1.00%
$100
▼
Rate1.00%
Min Deposit$100
Min BalanceN/A
UpdatedOct 22, 2026
Details

Balance: $0.01 - $24.999.99

Rate History
No change since Oct 22, 2026 · 1.00% APY
0.50%1.00%1.50%Oct 22, 2026: 1.00% APYOct 22, 2026Oct 25, 2026
Center Parc Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
Business Advantage Checking Plus Business
1.00%
$100
▼
Rate1.00%
Min Deposit$100
Min BalanceN/A
UpdatedOct 22, 2026
Details

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

Rate History
No change since Oct 22, 2026 · 1.00% APY
0.50%1.00%1.50%Oct 22, 2026: 1.00% APYOct 22, 2026Oct 25, 2026
Center Parc Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
Business Advantage Checking Plus Business
0.75%
$100
▼
Rate0.75%
Min Deposit$100
Min BalanceN/A
UpdatedOct 22, 2026
Details

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

Rate History
No change since Oct 22, 2026 · 0.75% APY
0.25%0.75%1.25%Oct 22, 2026: 0.75% APYOct 22, 2026Oct 25, 2026
Center Parc Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
Business Advantage Checking Plus Business
0.50%
$100
▼
Rate0.50%
Min Deposit$100
Min BalanceN/A
UpdatedOct 22, 2026
Details

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

Rate History
No change since Oct 22, 2026 · 0.50% APY
0.00%0.50%1.00%Oct 22, 2026: 0.50% APYOct 22, 2026Oct 25, 2026
Woodforest National Bank
Institution Rating:
A-5.0 ★ Texas Ratio: 14.96%
Business Plus Checking Business
0.25%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 20, 2026
Details

Balance: $0.01 required to earn APY; Transaction Limits: Unlimited

Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 8 times
0.00%0.38%0.75%Sep 14, 2026: 0.25% APYSep 14, 2026Oct 25, 2026
Center Parc Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.56%
Business Advantage Checking Plus Business
0.25%
$100
▼
Rate0.25%
Min Deposit$100
Min BalanceN/A
UpdatedOct 22, 2026
Details

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

Rate History
No change since Oct 22, 2026 · 0.25% APY
0.00%0.38%0.75%Oct 22, 2026: 0.25% APYOct 22, 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
United Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Business Interest Checking Business
0.20%
$100
▼
Rate0.00%
Min Deposit$100
Min BalanceN/A
UpdatedOct 22, 2026
Details

Balance: > = 100,000

Rate History
No change since Oct 22, 2026 · 0.20% APY
0.00%0.35%0.70%Oct 22, 2026: 0.20% APYOct 22, 2026Oct 25, 2026
RTP Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.20%
Business Premier Checking Business
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

Business Checking Accounts

Rate History
No change since Sep 21, 2026 · 0.20% APY · checked 6 times
0.00%0.35%0.70%Sep 21, 2026: 0.20% APYSep 21, 2026Oct 25, 2026
Fort Financial Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.95%
Business Checking Business
0.15%
$100
▼
Rate0.15%
Min Deposit$100
Min BalanceN/A
UpdatedOct 23, 2026
Details

Minimum to earn dividends: $10,000; *$100 minimum opening deposit

Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 8 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 25, 2026
United Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Business Interest Checking Business
0.10%
$100
▼
Rate0.00%
Min Deposit$100
Min BalanceN/A
UpdatedOct 22, 2026
Details

Balance: 50,000 - 99,999

Rate History
No change since Oct 22, 2026 · 0.10% APY
0.00%0.30%0.60%Oct 22, 2026: 0.10% APYOct 22, 2026Oct 25, 2026
Benchmark Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.65%
Business Navigator Checking Business
0.10%
$100
▼
Rate0.10%
Min Deposit$100
Min BalanceN/A
UpdatedOct 20, 2026
Details

Interest is compounded monthly on checking accounts; $100 minimum to open; Fees and other charges may reduce the quoted APY

Rate History
No change since Sep 8, 2026 · 0.10% APY · checked 11 times
0.00%0.30%0.60%Sep 8, 2026: 0.10% APYSep 8, 2026Oct 25, 2026
Civic Federal Credit Union
Institution Rating:
F1.0 ★ Texas Ratio: 75.00%
Business Checking Account Business
0.10%
$5
▼
Rate0.10%
Min Deposit$5
Min BalanceN/A
UpdatedOct 23, 2026
Details

No additional details provided.

Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 10 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 25, 2026
Self-Help Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.49%
Small Business Checking Business
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
UpdatedOct 22, 2026
Details

Effective Date: October 1, 2026

Rate History
No change since Oct 22, 2026 · 0.10% APY
0.00%0.30%0.60%Oct 22, 2026: 0.10% APYOct 22, 2026Oct 25, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
Business Checking Business
0.10%
$2,500
▼
Rate0.10%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 20, 2026
Details

Balance: $100,000 and over; $2,500 minimum opening deposit required

Rate History
No change since Sep 15, 2026 · 0.10% APY · checked 9 times
0.00%0.30%0.60%Sep 15, 2026: 0.10% APYSep 15, 2026Oct 25, 2026
Latino Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.08%
Checking - Business Business
0.10%
$100
▼
Rate0.10%
Min Deposit$100
Min BalanceN/A
UpdatedOct 19, 2026
Details

No additional details provided.

Rate History
No change since Oct 14, 2026 · 0.10% APY · checked 2 times
0.00%0.30%0.60%Oct 14, 2026: 0.10% APYOct 14, 2026Oct 25, 2026
Champion Credit Union Canton, NC
Institution Rating:
A+5.0 ★ Texas Ratio: 1.55%
Business Edge NPO Checking Business
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

No additional details provided.

Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 6 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 25, 2026
United Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Business Interest Checking Business
0.05%
$100
▼
Rate0.00%
Min Deposit$100
Min BalanceN/A
UpdatedOct 22, 2026
Details

Balance: 10,000 - 49,999

Rate History
No change since Oct 22, 2026 · 0.05% APY
0.00%0.28%0.55%Oct 22, 2026: 0.05% APYOct 22, 2026Oct 25, 2026
Truliant Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.43%
Business Checking Business
0.05%
$2,500
▼
Rate0.05%
Min Deposit$2,500
Min BalanceN/A
UpdatedOct 20, 2026
Details

Balance: $0; $2,500 minimum opening deposit required

Rate History
No change since Sep 15, 2026 · 0.05% APY · checked 9 times
0.00%0.28%0.55%Sep 15, 2026: 0.05% APYSep 15, 2026Oct 25, 2026
Advancial Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.30%
Business Rewards Checking Business
0.03%
$0
▼
Rate0.03%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

Minimum balance to earn: $0.01

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
United Community Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.97%
Business Interest Checking Business
0.01%
$100
▼
Rate0.00%
Min Deposit$100
Min BalanceN/A
UpdatedOct 22, 2026
Details

Balance: 0 - 9,999

Rate History
No change since Oct 22, 2026 · 0.01% APY
0.00%0.26%0.51%Oct 22, 2026: 0.01% APYOct 22, 2026Oct 25, 2026
Mountain Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.23%
Business Checking Business
0.01%
$0
▼
Rate0.01%
Min Deposit$0
Min BalanceN/A
UpdatedOct 19, 2026
Details

Dividends Paid: Quarterly

Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 8 times
0.00%0.26%0.51%Sep 14, 2026: 0.01% APYSep 14, 2026Oct 25, 2026
Skyla Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.56%
Business Checking Business
0.01%
$100
▼
Rate0.00%
Min Deposit$100
Min BalanceN/A
UpdatedOct 19, 2026
Details

Dividends credited Monthly; Item limitations apply

Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 9 times
0.00%0.26%0.51%Sep 14, 2026: 0.01% APYSep 14, 2026Oct 25, 2026
Paramount Bank
Institution Rating:
A5.0 ★ Texas Ratio: 8.70%
Small Business Checking Business
0.00%
$100
▼
Rate0.00%
Min Deposit$100
Min BalanceN/A
UpdatedOct 22, 2026
Details

No Fees

Ukrainian Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.53%
Business Checking Business
0.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 23, 2026
Details

No additional details provided.

Warsaw, NC Checking Rate Trends

Compare local Warsaw, NC 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 North Carolina Checking Trends
High-Yield Checking NC Avg
2.212%
▲ 0.229 vs 7 days ago

North Carolina high-yield checking rates rose 0.229 points over the past 7 days to 2.212% APY.

Free Checking NC Avg
0.594%
▼ 0.023 vs 7 days ago

North Carolina free checking rates fell 0.023 points over the past 7 days to 0.594% APY.

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

Warsaw, NC 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 North Carolina figures.

Current High-Yield Avg
2.21%
APY, as of Oct 25, 2026
6-Month Forecast
2.26%
Fed hold assumed
12-Month Forecast
2.31%
Range: 2.06% to 2.51%
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.

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Top Checking Rates from Warsaw, North Carolina Institutions

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

B Top 5 Bank Rates
Blue Ridge Bank National Association
Kasasa Cash Checking
A 5.0 ★ TX: 8.11%
Min: $100
4.50%
New Peoples Bank
Peoples Premier Checking
A+ 5.0 ★ TX: 3.62%
Min: $100
4.00%
Benchmark Community Bank
$uccess Checking
A+ 5.0 ★ TX: 1.65%
Min: $100
4.00%
Paramount Bank
Interest Checking
A 5.0 ★ TX: 8.70%
Min: $100
2.00%
First Federal Bank Dunn, NC
Smart Checking
A 4.8 ★ TX: 5.15%
Min: $100
2.00%
CU Top 5 Credit Union Rates
Mountain Credit Union
Summit Personal Checking
A+ 5.0 ★ TX: 3.23%
Min: $0
6.00%
United Federal Credit Union
Ultra Checking
A+ 5.0 ★ TX: 4.11%
Min: $50
5.00%
Center Parc Credit Union
Kasasa Cash Checking
A+ 5.0 ★ TX: 5.56%
Min: $1
5.00%
Revity Federal Credit Union
Revity High-Yield Checking
A- 5.0 ★ TX: 15.13%
Min: $0
5.00%
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.
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What Your Balance Earns at NC Checking Averages

Annual interest earnings at current North Carolina 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 (2.212% APY)Monthly Earnings Free Checking (0.594% APY)Monthly Earnings
$2,500 $55.29 / year $4.61 $14.84 / year $1.24
$5,000 $110.58 / year $9.22 $29.68 / year $2.47
$10,000 $221.15 / year $18.43 $59.35 / year $4.95
$25,000 $552.88 / year $46.07 $148.38 / year $12.37
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: North Carolina checking rate averages as of October 25, 2026.
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37
Institutions with Checking Rates
Available in Warsaw, North Carolina
15 Banks 22 Credit Unions

About Our Warsaw, North Carolina Checking Rate Database

MonitorBankRates tracks checking account rates from 15 banks and 22 credit unions offering checking accounts to Warsaw, North Carolina 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: Mountain Credit Union offers a checking account at 6.00% APY. High-yield checking rates typically require qualifying monthly activity. Check the account details before opening.

How to Find the Best Checking Rates in Warsaw, North Carolina

What to compare when shopping for an interest-bearing checking account in Warsaw, North Carolina

To find the best checking APYs in Warsaw, North Carolina, start with credit unions and online-only banks: Warsaw, North Carolina has 22 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 NC high-yield checking average is 2.212% but top institutions serving Warsaw, North Carolina are offering as high as 6.00%, so shopping around pays off.

Finally, weigh fees and access: a monthly maintenance fee can erase a year of interest on a modest balance, and out-of-network ATM fees add up fast. The best accounts pair a high rate with no monthly fee and nationwide ATM access or ATM-fee reimbursement, worth checking if an institution has branches or in-network ATMs near you in Warsaw, North Carolina.

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: 37 institutions serving Warsaw, North Carolina report checking rates to our database

Consider an Alternative If…

Warsaw, North Carolina Financial Snapshot

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

Population 65+
21.6%
National avg: 17.3%
Median Individual Earnings
$31,540
National avg: $47,340
Poverty Rate
17.7%
National avg: 11.1%
Unemployment Rate
3.2%
National avg: 4.8%
Checking Earnings on 10% of Salary
$70/yr
At NC HY checking avg 2.212% APY

At today’s NC high-yield checking average of 2.212%, keeping 10% of the local median salary ($3,154) in a high-yield checking account would earn $70 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 Warsaw, North Carolina Options

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

Feature High-Yield Checking Free Checking High-Yield Savings Money Market
Current NC Avg APY 2.212% 0.594% 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 North Carolina 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.

Warsaw, North Carolina 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 Warsaw, North Carolina 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 Warsaw, North Carolina Checking Rates

Verified October 23, 2026 · click a rate to use it
Rates shown are actual verified offers available in Warsaw, North Carolina 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 Warsaw, North Carolina 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 Warsaw, North Carolina 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 Warsaw, North Carolina. 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 NC.

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 Warsaw, North Carolina earn interest?

Most traditional local checking accounts in Warsaw, North Carolina 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 Warsaw, North Carolina FDIC insured?

Yes. Legitimate banks with branches in Warsaw, North Carolina 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 Warsaw, North Carolina?

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 Warsaw, North Carolina?

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 Warsaw, North Carolina

Based on our current data, some of the highest checking account APYs available to residents of Warsaw, North Carolina include:
  • Mountain Credit Union
    Summit Personal Checking: 6.00% APY
  • United Federal Credit Union
    Ultra Checking: 5.00% APY
  • Center Parc Credit Union
    Kasasa Cash Checking: 5.00% APY
  • Revity Federal Credit Union
    Revity High-Yield Checking: 5.00% APY
  • Blue Ridge Bank National Association
    Kasasa Cash Checking: 4.50% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Warsaw, North Carolina. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: October 23, 2026

Warsaw, North Carolina Rates & Resources