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Checking Rate Trends

Pocasset, Oklahoma Best Checking Accounts & Rates October 2026

Pocasset, Oklahoma checking account rates from banks and credit unions serving Oklahoma range from 0.01% to 6.00% APY, verified by MonitorBankRates as of October 15, 2026. The best checking rates for Pocasset, Oklahoma include Wisdom Heritage BankWisdom Heritage BankA+5.0 ★Texas Ratio: 5.47% Free Heritage Cash Checking at 6.00% APY, FNB Community BankFNB Community BankB4.5 ★Texas Ratio: 21.65% Rewards Checking at 5.00% APY, Sooner State BankSooner State BankA+5.0 ★Texas Ratio: 1.85% Free Kasasa Cash checking at 5.00% APY, Western Sun Federal Credit UnionWestern Sun Federal Credit UnionA+5.0 ★Texas Ratio: 2.99% Kasasa Cash Checking at 5.00% APY, and Grand Savings BankGrand Savings BankA+5.0 ★Texas Ratio: 4.58% Grand Rewards Checking at 4.07% APY. Checking account rates as of October 15, 2026 according to verified data from MonitorBankRates.

Pocasset is a smaller community with no bank or credit union branches currently in our database. 48 institutions serving the Oklahoma area are available to Pocasset residents, with checking rates as high as 6.00% APY from Wisdom Heritage Bank. Rates are continually updated, so we recommend checking back frequently.

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

Compare Checking Account Rates Today in Pocasset, Oklahoma & the Surrounding Area

Institutions:

Pocasset Checking Account Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Wisdom Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.47%
Free Heritage Cash Checking
6.00%
$100
▼
Rate5.84%
Min Deposit$100
Min BalanceN/A
UpdatedOct 15, 2026
Details

Qualifications Required; Balance: $0 - $25,000; Qualifying balance up to $25,000.00; Refunds up to $25 monthly for nationwide ATM withdrawal fees

Rate History
1 change since Sep 16, 2026 · 3.56% → 6.00% ▲ 2.44 pts · high 6.00% / low 3.56%
1.12%4.78%8.44%Sep 16, 2026: 3.56% APYOct 8, 2026: 6.00% APYSep 16, 2026Oct 15, 2026
  • Oct 8, 20266.00%▲ from 3.56%
  • Sep 16, 20263.56%first recorded
FNB Community Bank
Institution Rating:
B4.5 ★ Texas Ratio: 21.65%
Rewards Checking
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
UpdatedOct 15, 2026
Details

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

Rate History
No change since Sep 20, 2026 · 5.00% APY · checked 8 times
4.50%5.00%5.50%Sep 20, 2026: 5.00% APYSep 20, 2026Oct 15, 2026
Sooner State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
Free Kasasa Cash checking
5.00%
$100
▼
Rate4.89%
Min Deposit$100
Min BalanceN/A
UpdatedOct 11, 2026
Details

Qualifications Required: 12 debit card purchases; 1 direct deposit or ACH transaction; enrolled in and agree to eStatements; Balances up to and including $15,000 earn this APY. Daily balances over $15,000 earn an interest rate of .7474% on the portion of the daily balance over $15,000, resulting in a range from .75% to 5.00% APY depending on the account's daily balance. ATM withdrawal fee reimbursements up to $20 monthly. APYs accurate as of 11/27/2023.

Rate History
No change since Oct 7, 2026 · 5.00% APY · checked 2 times
4.50%5.00%5.50%Oct 7, 2026: 5.00% APYOct 7, 2026Oct 15, 2026
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Kasasa Cash Checking
5.00%
$0
▼
Rate4.96%
Min Deposit$0
Min BalanceN/A
UpdatedOct 15, 2026
Details

Qualifications Required; Qualifying balance up to $25,000.00; Balance: On balances up to $25,000

Rate History
No change since Oct 4, 2026 · 5.00% APY · checked 3 times
4.50%5.00%5.50%Oct 4, 2026: 5.00% APYOct 4, 2026Oct 15, 2026
Grand Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Grand Rewards Checking
4.07%
$100
▼
Rate4.00%
Min Deposit$100
Min BalanceN/A
UpdatedOct 14, 2026
Details

Qualifications Required; Qualifying balance less than $25,000.00; Interest compounded monthly; Opening balance $100; Minimum balance to earn interest is $0.01

Rate History
No change since Sep 19, 2026 · 4.07% APY · checked 8 times
3.57%4.07%4.57%Sep 19, 2026: 4.07% APYSep 19, 2026Oct 15, 2026
Red River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
High Yield Checking
4.05%
$0
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
UpdatedOct 15, 2026
Details

Requirements Met; Qualifying balance up to $25,000.00

Rate History
No change since Sep 17, 2026 · 4.05% APY · checked 5 times
3.55%4.05%4.55%Sep 17, 2026: 4.05% APYSep 17, 2026Oct 15, 2026
Frazer Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Free Kasasa Cash Checking
4.00%
$100
▼
Rate3.93%
Min Deposit$100
Min BalanceN/A
UpdatedOct 14, 2026
Details

Qualifications Required; Balance: $0.00 - $25,000.00; Daily balances over $25,000 earn 0.50% on the excess, resulting in a range from 4.00% to 1.40% APY; Refunds on nationwide ATM withdrawal fees up to $25 monthly; No minimum balance to earn rewards; No monthly maintenance fee; Base rate of 0.05% APY if qualifications are not met

Rate History
No change since Oct 14, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 15, 2026
1st Bank in Hominy
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
Regular Business Checking Business
4.00%
$250
▼
Rate4.00%
Min Deposit$250
Min BalanceN/A
UpdatedOct 11, 2026
Details

Earning allowance of 4% per year on average balance

Rate History
No change since Sep 29, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 29, 2026: 4.00% APYSep 29, 2026Oct 15, 2026
Communication Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.32%
Performance Checking
4.00%
$25
▼
Rate3.93%
Min Deposit$25
Min BalanceN/A
UpdatedOct 15, 2026
Details

Qualifications Required; Balance: $0 - $30,000; Requirements Met ($25 Minimum to Open)

Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 15, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
Click Checking
3.21%
$25
▼
Rate3.21%
Min Deposit$25
Min BalanceN/A
UpdatedOct 14, 2026
Details

Qualifications Required; Balance: $0.01 to $50,000; If electronic standards are met according to account disclosure; Dividends on balances over $50,000 paid at a lower rate; footnote APY range 1.30% APY to 3.26% APY not used as row APY

Rate History
No change since Oct 7, 2026 · 3.21% APY · checked 3 times
2.71%3.21%3.71%Oct 7, 2026: 3.21% APYOct 7, 2026Oct 15, 2026
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Security Bonus Checking
3.04%
$100
▼
Rate3.00%
Min Deposit$100
Min BalanceN/A
UpdatedOct 14, 2026
Details

Qualifications Required; Balance: Below $50,000.01; Qualifying balance up to $50,000.00; Base rate 0.10% applies when qualifications are not met; $100 minimum deposit to open; Online Banking enrollment with electronic statements

Rate History
1 change since Sep 11, 2026 · 0.10% → 3.04% ▲ 2.94 pts · high 3.04% / low 0.10%
0.00%2.99%5.98%Sep 11, 2026: 0.10% APYOct 14, 2026: 3.04% APYSep 11, 2026Oct 15, 2026
  • Oct 14, 20263.04%▲ from 0.10%
  • Sep 11, 20260.10%first recorded
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Security Platinum 55 Checking
3.04%
$100
▼
Rate3.00%
Min Deposit$100
Min BalanceN/A
UpdatedOct 14, 2026
Details

Balance: All balances; APY assumes interest is compounded monthly; withdrawal of interest will reduce earnings

Rate History
1 change since Sep 11, 2026 · 2.89% → 3.04% ▲ 0.15 pts · high 3.04% / low 2.89%
2.39%2.97%3.54%Sep 11, 2026: 2.89% APYOct 7, 2026: 3.04% APYSep 11, 2026Oct 15, 2026
  • Oct 7, 20263.04%▲ from 2.89%
  • Sep 11, 20262.89%first recorded
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.42%
SavvySpender Checking (Minor Checking)
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $100.00 - $1,000.00; Dividends Paid: Monthly

Rate History
1 change since Sep 14, 2026 · 3.04% → 3.04% ▼ 0.00 pts · high 3.04% / low 3.04%
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYOct 13, 2026: 3.04% APYSep 14, 2026Oct 15, 2026
  • Oct 13, 20263.04%▼ from 3.04%
  • Sep 14, 20263.04%first recorded
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
Ultimate with BaZing Checking
3.00%
$20
▼
Rate3.00%
Min Deposit$20
Min BalanceN/A
UpdatedOct 9, 2026
Details

Qualifications Required: twenty (20) qualifying WEOKIE debit card point of sale (POS) transactions that need to be posted to the new Ultimate with BaZing checking account within 45 days of account opening (via a POS device in-store or an online transaction); ATM transactions and Authorization Holds do not qualify; Balances up to $35,000.00 receive an APY of 3.00%, and balances over $35,000.00 earn .10% APY. Rates and rewards are variable and may change after the account is opened. Fees may reduce earnings. A minimum deposit of $20 is required to open the Ultimate with BaZing Checking account. No minimum balance is required to obtain the bonus. Each individual or organization is restricted to a single checking bonus offer. Those who have obtained a bonus for opening a WEOKIE checking account in the past 36 months are ineligible for this promotion.

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 15, 2026
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.42%
Rewards Checking with MyRewards +
2.53%
$0
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $0 - $10,000.00; Dividends Paid: Monthly; To qualify for highest APY, requirements must be met

Rate History
1 change since Sep 18, 2026 · 0.10% → 2.53% ▲ 2.43 pts · high 2.53% / low 0.10%
0.00%2.48%4.96%Sep 18, 2026: 0.10% APYOct 13, 2026: 2.53% APYSep 18, 2026Oct 15, 2026
  • Oct 13, 20262.53%▲ from 0.10%
  • Sep 18, 20260.10%first recorded
Vast Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Rewards Checking
2.50%
$100
▼
Rate2.47%
Min Deposit$100
Min BalanceN/A
UpdatedOct 14, 2026
Details

Qualifications Required; Balance: Up to $25,000; Qualifying balance up to $25,000.00; Must meet minimum monthly qualifications to earn premium rate

Rate History
No change since Oct 14, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 14, 2026: 2.50% APYOct 14, 2026Oct 15, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★ Texas Ratio: 17.16%
Gateway Premier Interest Checking
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
UpdatedOct 14, 2026
Details

Balance: $1,500 and above

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 8 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 15, 2026
Community National Bank & Trust
Institution Rating:
A5.0 ★ Texas Ratio: 6.38%
ePower Checking
1.41%
$100
▼
Rate1.40%
Min Deposit$100
Min BalanceN/A
UpdatedOct 14, 2026
Details

Qualifications Required; Qualifying balance up to $25,000.00; Available to Personal Accounts only; No monthly service charge; ATM refunds up to $25 per cycle if requirements are met

Rate History
No change since Sep 18, 2026 · 1.41% APY · checked 7 times
0.91%1.41%1.91%Sep 18, 2026: 1.41% APYSep 18, 2026Oct 15, 2026
OU Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.12%
Silver Schooner Plus Checking
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
UpdatedOct 15, 2026
Details

No additional details provided.

Rate History
No change since Sep 30, 2026 · 1.26% APY · checked 3 times
0.76%1.26%1.76%Sep 30, 2026: 1.26% APYSep 30, 2026Oct 15, 2026
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
High Interest Checking
1.25%
$0
▼
Rate1.24%
Min Deposit$0
Min BalanceN/A
UpdatedOct 15, 2026
Details

Qualifications Required; Balance: up to $20,000

Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 9 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Oct 15, 2026
True Sky Federal Credit Union
Institution Rating:
B+4.4 ★ Texas Ratio: 8.51%
Optimum Checking
1.25%
$0
▼
Rate1.24%
Min Deposit$0
Min BalanceN/A
UpdatedOct 9, 2026
Details

Balance: Up to $40,000

Rate History
1 change since Sep 18, 2026 · 0.05% → 1.25% ▲ 1.20 pts · high 1.25% / low 0.05%
0.00%1.23%2.45%Sep 18, 2026: 0.05% APYOct 9, 2026: 1.25% APYSep 18, 2026Oct 15, 2026
  • Oct 9, 20261.25%▲ from 0.05%
  • Sep 18, 20260.05%first recorded
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
Super Checking
1.01%
$0
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $25,000.00 and below

Rate History
1 change since Sep 22, 2026 · 0.05% → 1.01% ▲ 0.96 pts · high 1.01% / low 0.05%
0.00%0.99%1.97%Sep 22, 2026: 0.05% APYOct 13, 2026: 1.01% APYSep 22, 2026Oct 15, 2026
  • Oct 13, 20261.01%▲ from 0.05%
  • Sep 22, 20260.05%first recorded
Legacy Bank Hinton, OK
Institution Rating:
B-4.4 ★ Texas Ratio: 22.58%
Business Interest Checking Business
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 14, 2026
Details

Designed for sole proprietorships and not-for-profits; Free unlimited monthly transaction items

Rate History
No change since Sep 7, 2026 · 1.00% APY · checked 8 times
0.50%1.00%1.50%Sep 7, 2026: 1.00% APYSep 7, 2026Oct 15, 2026
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.99%
Rewards Checking
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 9, 2026
Details

Qualified Tier 1 ($0 - $20,000)

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 15, 2026
Allegiance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.90%
Cash Checking Account
1.00%
$25
▼
Rate0.00%
Min Deposit$25
Min BalanceN/A
UpdatedOct 9, 2026
Details

Qualifications Required: 15 debit card transactions; 1 qualifying deposit or ACH; estatements enrollment; Earn interest on your Checking Account balance. With no monthly service fees and refunds on ATM charges, this could be the Checking Account for you! Balance: up to $20,000.00

Rate History
No change since Sep 21, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 21, 2026: 1.00% APYSep 21, 2026Oct 15, 2026
First Liberty Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Freedom Checking
0.80%
$50
▼
Rate0.80%
Min Deposit$50
Min BalanceN/A
UpdatedOct 14, 2026
Details

Balance: $25,000.00 and over

Rate History
No change since Sep 14, 2026 · 0.80% APY · checked 8 times
0.30%0.80%1.30%Sep 14, 2026: 0.80% APYSep 14, 2026Oct 15, 2026
First Liberty Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Freedom Checking
0.75%
$50
▼
Rate0.75%
Min Deposit$50
Min BalanceN/A
UpdatedOct 14, 2026
Details

Balance: $5,000.00 - $24,999.00

Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 8 times
0.25%0.75%1.25%Sep 14, 2026: 0.75% APYSep 14, 2026Oct 15, 2026
FNB Community Bank
Institution Rating:
B4.5 ★ Texas Ratio: 21.65%
NOW Checking
0.50%
$1,500
▼
Rate0.50%
Min Deposit$1,500
Min BalanceN/A
UpdatedOct 15, 2026
Details

No additional details provided.

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 15, 2026
First Liberty Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Freedom Checking
0.50%
$50
▼
Rate0.50%
Min Deposit$50
Min BalanceN/A
UpdatedOct 14, 2026
Details

Balance: $100.00 - $4,999.00

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 8 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 15, 2026
BancFirst
Institution Rating:
A5.0 ★ Texas Ratio: 6.40%
Performance Checking
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
UpdatedOct 14, 2026
Details

Balance: Over $499.99

Rate History
No change since Sep 9, 2026 · 0.50% APY · checked 8 times
0.00%0.50%1.00%Sep 9, 2026: 0.50% APYSep 9, 2026Oct 15, 2026
Sooner State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
Free Kasasa Cash checking
0.50%
$100
▼
Rate0.50%
Min Deposit$100
Min BalanceN/A
UpdatedOct 11, 2026
Details

When qualifications are not met, the interest rate earned on the account's entire daily balance will be .50% resulting in an annual percentage yield of .50% and ATM withdrawal fees are not refunded. APYs accurate as of 11/27/2023.

Rate History
No change since Oct 7, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 7, 2026: 0.50% APYOct 7, 2026Oct 15, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Flagship Checking
0.45%
$0
▼
Rate0.45%
Min Deposit$0
Min BalanceN/A
UpdatedOct 14, 2026
Details

Balance: $25,000 and over

Rate History
No change since Sep 30, 2026 · 0.45% APY · checked 5 times
0.00%0.48%0.95%Sep 30, 2026: 0.45% APYSep 30, 2026Oct 15, 2026
Frontier State Bank
Institution Rating:
D3.4 ★ Texas Ratio: 34.37%
Interest Checking
0.40%
$100
▼
Rate0.40%
Min Deposit$100
Min BalanceN/A
UpdatedOct 11, 2026
Details

No additional details provided.

Rate History
No change since Sep 24, 2026 · 0.40% APY · checked 5 times
0.00%0.45%0.90%Sep 24, 2026: 0.40% APYSep 24, 2026Oct 15, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
Priority Checking
0.40%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 15, 2026
Details

APY as high as; Checking Accounts

Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 8 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Oct 15, 2026
Red River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
Business Checking Business
0.40%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 15, 2026
Details

No additional details provided.

Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 8 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Oct 15, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Flagship Checking
0.40%
$0
▼
Rate0.40%
Min Deposit$0
Min BalanceN/A
UpdatedOct 14, 2026
Details

Balance: $10,000 to $24,999

Rate History
No change since Sep 30, 2026 · 0.40% APY · checked 5 times
0.00%0.45%0.90%Sep 30, 2026: 0.40% APYSep 30, 2026Oct 15, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
Flagship Checking
0.35%
$0
▼
Rate0.35%
Min Deposit$0
Min BalanceN/A
UpdatedOct 14, 2026
Details

Balance: $1,500 to $9,999; Must maintain a daily ending balance of at least $1,500 to earn dividends

Rate History
No change since Sep 30, 2026 · 0.35% APY · checked 5 times
0.00%0.43%0.85%Sep 30, 2026: 0.35% APYSep 30, 2026Oct 15, 2026
Valor Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.19%
Valor Checking
0.30%
$100
▼
Rate0.30%
Min Deposit$100
Min BalanceN/A
UpdatedOct 14, 2026
Details

Qualifications Required: enroll in eStatements rather than paper statements; at least one electronic deposit such as direct deposit; Balance: $0 - $4,999.99

Rate History
No change since Sep 28, 2026 · 0.30% APY · checked 5 times
0.00%0.40%0.80%Sep 28, 2026: 0.30% APYSep 28, 2026Oct 15, 2026
American Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
Business Interest Checking Business
0.30%
$100
▼
Rate0.30%
Min Deposit$100
Min BalanceN/A
UpdatedOct 14, 2026
Details

Balance: $50,000.00 & up

Rate History
No change since Sep 8, 2026 · 0.30% APY · checked 6 times
0.00%0.40%0.80%Sep 8, 2026: 0.30% APYSep 8, 2026Oct 15, 2026
American Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
Interest Checking
0.30%
$100
▼
Rate0.30%
Min Deposit$100
Min BalanceN/A
UpdatedOct 14, 2026
Details

Balance: $50,000.00 & up

Rate History
No change since Sep 8, 2026 · 0.30% APY · checked 6 times
0.00%0.40%0.80%Sep 8, 2026: 0.30% APYSep 8, 2026Oct 15, 2026

Pocasset High Yield Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Wisdom Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.47%
Free Heritage Cash Checking
6.00%
$100
▼
Rate5.84%
Min Deposit$100
Min BalanceN/A
UpdatedOct 15, 2026
Details

Qualifications Required; Balance: $0 - $25,000; Qualifying balance up to $25,000.00; Refunds up to $25 monthly for nationwide ATM withdrawal fees

Rate History
1 change since Sep 16, 2026 · 3.56% → 6.00% ▲ 2.44 pts · high 6.00% / low 3.56%
1.12%4.78%8.44%Sep 16, 2026: 3.56% APYOct 8, 2026: 6.00% APYSep 16, 2026Oct 15, 2026
  • Oct 8, 20266.00%▲ from 3.56%
  • Sep 16, 20263.56%first recorded
FNB Community Bank
Institution Rating:
B4.5 ★ Texas Ratio: 21.65%
Rewards Checking
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
UpdatedOct 15, 2026
Details

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

Rate History
No change since Sep 20, 2026 · 5.00% APY · checked 8 times
4.50%5.00%5.50%Sep 20, 2026: 5.00% APYSep 20, 2026Oct 15, 2026
Sooner State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
Free Kasasa Cash checking
5.00%
$100
▼
Rate4.89%
Min Deposit$100
Min BalanceN/A
UpdatedOct 11, 2026
Details

Qualifications Required: 12 debit card purchases; 1 direct deposit or ACH transaction; enrolled in and agree to eStatements; Balances up to and including $15,000 earn this APY. Daily balances over $15,000 earn an interest rate of .7474% on the portion of the daily balance over $15,000, resulting in a range from .75% to 5.00% APY depending on the account's daily balance. ATM withdrawal fee reimbursements up to $20 monthly. APYs accurate as of 11/27/2023.

Rate History
No change since Oct 7, 2026 · 5.00% APY · checked 2 times
4.50%5.00%5.50%Oct 7, 2026: 5.00% APYOct 7, 2026Oct 15, 2026
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Kasasa Cash Checking
5.00%
$0
▼
Rate4.96%
Min Deposit$0
Min BalanceN/A
UpdatedOct 15, 2026
Details

Qualifications Required; Qualifying balance up to $25,000.00; Balance: On balances up to $25,000

Rate History
No change since Oct 4, 2026 · 5.00% APY · checked 3 times
4.50%5.00%5.50%Oct 4, 2026: 5.00% APYOct 4, 2026Oct 15, 2026
Grand Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Grand Rewards Checking
4.07%
$100
▼
Rate4.00%
Min Deposit$100
Min BalanceN/A
UpdatedOct 14, 2026
Details

Qualifications Required; Qualifying balance less than $25,000.00; Interest compounded monthly; Opening balance $100; Minimum balance to earn interest is $0.01

Rate History
No change since Sep 19, 2026 · 4.07% APY · checked 8 times
3.57%4.07%4.57%Sep 19, 2026: 4.07% APYSep 19, 2026Oct 15, 2026
Red River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
High Yield Checking
4.05%
$0
▼
Rate3.98%
Min Deposit$0
Min BalanceN/A
UpdatedOct 15, 2026
Details

Requirements Met; Qualifying balance up to $25,000.00

Rate History
No change since Sep 17, 2026 · 4.05% APY · checked 5 times
3.55%4.05%4.55%Sep 17, 2026: 4.05% APYSep 17, 2026Oct 15, 2026
Frazer Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Free Kasasa Cash Checking
4.00%
$100
▼
Rate3.93%
Min Deposit$100
Min BalanceN/A
UpdatedOct 14, 2026
Details

Qualifications Required; Balance: $0.00 - $25,000.00; Daily balances over $25,000 earn 0.50% on the excess, resulting in a range from 4.00% to 1.40% APY; Refunds on nationwide ATM withdrawal fees up to $25 monthly; No minimum balance to earn rewards; No monthly maintenance fee; Base rate of 0.05% APY if qualifications are not met

Rate History
No change since Oct 14, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 15, 2026
Communication Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.32%
Performance Checking
4.00%
$25
▼
Rate3.93%
Min Deposit$25
Min BalanceN/A
UpdatedOct 15, 2026
Details

Qualifications Required; Balance: $0 - $30,000; Requirements Met ($25 Minimum to Open)

Rate History
No change since Oct 12, 2026 · 4.00% APY · checked 2 times
3.50%4.00%4.50%Oct 12, 2026: 4.00% APYOct 12, 2026Oct 15, 2026
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.34%
Click Checking
3.21%
$25
▼
Rate3.21%
Min Deposit$25
Min BalanceN/A
UpdatedOct 14, 2026
Details

Qualifications Required; Balance: $0.01 to $50,000; If electronic standards are met according to account disclosure; Dividends on balances over $50,000 paid at a lower rate; footnote APY range 1.30% APY to 3.26% APY not used as row APY

Rate History
No change since Oct 7, 2026 · 3.21% APY · checked 3 times
2.71%3.21%3.71%Oct 7, 2026: 3.21% APYOct 7, 2026Oct 15, 2026
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Security Bonus Checking
3.04%
$100
▼
Rate3.00%
Min Deposit$100
Min BalanceN/A
UpdatedOct 14, 2026
Details

Qualifications Required; Balance: Below $50,000.01; Qualifying balance up to $50,000.00; Base rate 0.10% applies when qualifications are not met; $100 minimum deposit to open; Online Banking enrollment with electronic statements

Rate History
1 change since Sep 11, 2026 · 0.10% → 3.04% ▲ 2.94 pts · high 3.04% / low 0.10%
0.00%2.99%5.98%Sep 11, 2026: 0.10% APYOct 14, 2026: 3.04% APYSep 11, 2026Oct 15, 2026
  • Oct 14, 20263.04%▲ from 0.10%
  • Sep 11, 20260.10%first recorded
Security Bank Tulsa, OK
Institution Rating:
A+5.0 ★ Texas Ratio: 1.13%
Security Platinum 55 Checking
3.04%
$100
▼
Rate3.00%
Min Deposit$100
Min BalanceN/A
UpdatedOct 14, 2026
Details

Balance: All balances; APY assumes interest is compounded monthly; withdrawal of interest will reduce earnings

Rate History
1 change since Sep 11, 2026 · 2.89% → 3.04% ▲ 0.15 pts · high 3.04% / low 2.89%
2.39%2.97%3.54%Sep 11, 2026: 2.89% APYOct 7, 2026: 3.04% APYSep 11, 2026Oct 15, 2026
  • Oct 7, 20263.04%▲ from 2.89%
  • Sep 11, 20262.89%first recorded
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.42%
SavvySpender Checking (Minor Checking)
3.04%
$0
▼
Rate3.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $100.00 - $1,000.00; Dividends Paid: Monthly

Rate History
1 change since Sep 14, 2026 · 3.04% → 3.04% ▼ 0.00 pts · high 3.04% / low 3.04%
2.54%3.04%3.54%Sep 14, 2026: 3.04% APYOct 13, 2026: 3.04% APYSep 14, 2026Oct 15, 2026
  • Oct 13, 20263.04%▼ from 3.04%
  • Sep 14, 20263.04%first recorded
WEOKIE Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
Ultimate with BaZing Checking
3.00%
$20
▼
Rate3.00%
Min Deposit$20
Min BalanceN/A
UpdatedOct 9, 2026
Details

Qualifications Required: twenty (20) qualifying WEOKIE debit card point of sale (POS) transactions that need to be posted to the new Ultimate with BaZing checking account within 45 days of account opening (via a POS device in-store or an online transaction); ATM transactions and Authorization Holds do not qualify; Balances up to $35,000.00 receive an APY of 3.00%, and balances over $35,000.00 earn .10% APY. Rates and rewards are variable and may change after the account is opened. Fees may reduce earnings. A minimum deposit of $20 is required to open the Ultimate with BaZing Checking account. No minimum balance is required to obtain the bonus. Each individual or organization is restricted to a single checking bonus offer. Those who have obtained a bonus for opening a WEOKIE checking account in the past 36 months are ineligible for this promotion.

Rate History
No change since Sep 18, 2026 · 3.00% APY · checked 6 times
2.50%3.00%3.50%Sep 18, 2026: 3.00% APYSep 18, 2026Oct 15, 2026
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.42%
Rewards Checking with MyRewards +
2.53%
$0
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $0 - $10,000.00; Dividends Paid: Monthly; To qualify for highest APY, requirements must be met

Rate History
1 change since Sep 18, 2026 · 0.10% → 2.53% ▲ 2.43 pts · high 2.53% / low 0.10%
0.00%2.48%4.96%Sep 18, 2026: 0.10% APYOct 13, 2026: 2.53% APYSep 18, 2026Oct 15, 2026
  • Oct 13, 20262.53%▲ from 0.10%
  • Sep 18, 20260.10%first recorded
Vast Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Rewards Checking
2.50%
$100
▼
Rate2.47%
Min Deposit$100
Min BalanceN/A
UpdatedOct 14, 2026
Details

Qualifications Required; Balance: Up to $25,000; Qualifying balance up to $25,000.00; Must meet minimum monthly qualifications to earn premium rate

Rate History
No change since Oct 14, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 14, 2026: 2.50% APYOct 14, 2026Oct 15, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★ Texas Ratio: 17.16%
Gateway Premier Interest Checking
1.50%
$0
▼
Rate1.49%
Min Deposit$0
Min BalanceN/A
UpdatedOct 14, 2026
Details

Balance: $1,500 and above

Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 8 times
1.00%1.50%2.00%Sep 14, 2026: 1.50% APYSep 14, 2026Oct 15, 2026
Community National Bank & Trust
Institution Rating:
A5.0 ★ Texas Ratio: 6.38%
ePower Checking
1.41%
$100
▼
Rate1.40%
Min Deposit$100
Min BalanceN/A
UpdatedOct 14, 2026
Details

Qualifications Required; Qualifying balance up to $25,000.00; Available to Personal Accounts only; No monthly service charge; ATM refunds up to $25 per cycle if requirements are met

Rate History
No change since Sep 18, 2026 · 1.41% APY · checked 7 times
0.91%1.41%1.91%Sep 18, 2026: 1.41% APYSep 18, 2026Oct 15, 2026
OU Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.12%
Silver Schooner Plus Checking
1.26%
$0
▼
Rate1.25%
Min Deposit$0
Min BalanceN/A
UpdatedOct 15, 2026
Details

No additional details provided.

Rate History
No change since Sep 30, 2026 · 1.26% APY · checked 3 times
0.76%1.26%1.76%Sep 30, 2026: 1.26% APYSep 30, 2026Oct 15, 2026
The Focus Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
High Interest Checking
1.25%
$0
▼
Rate1.24%
Min Deposit$0
Min BalanceN/A
UpdatedOct 15, 2026
Details

Qualifications Required; Balance: up to $20,000

Rate History
No change since Sep 14, 2026 · 1.25% APY · checked 9 times
0.75%1.25%1.75%Sep 14, 2026: 1.25% APYSep 14, 2026Oct 15, 2026
True Sky Federal Credit Union
Institution Rating:
B+4.4 ★ Texas Ratio: 8.51%
Optimum Checking
1.25%
$0
▼
Rate1.24%
Min Deposit$0
Min BalanceN/A
UpdatedOct 9, 2026
Details

Balance: Up to $40,000

Rate History
1 change since Sep 18, 2026 · 0.05% → 1.25% ▲ 1.20 pts · high 1.25% / low 0.05%
0.00%1.23%2.45%Sep 18, 2026: 0.05% APYOct 9, 2026: 1.25% APYSep 18, 2026Oct 15, 2026
  • Oct 9, 20261.25%▲ from 0.05%
  • Sep 18, 20260.05%first recorded
Municipal Employees Credit Union of Oklahoma City
Institution Rating:
A+5.0 ★ Texas Ratio: 1.47%
Super Checking
1.01%
$0
▼
Rate1.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $25,000.00 and below

Rate History
1 change since Sep 22, 2026 · 0.05% → 1.01% ▲ 0.96 pts · high 1.01% / low 0.05%
0.00%0.99%1.97%Sep 22, 2026: 0.05% APYOct 13, 2026: 1.01% APYSep 22, 2026Oct 15, 2026
  • Oct 13, 20261.01%▲ from 0.05%
  • Sep 22, 20260.05%first recorded
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.99%
Rewards Checking
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 9, 2026
Details

Qualified Tier 1 ($0 - $20,000)

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 15, 2026
Allegiance Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.90%
Cash Checking Account
1.00%
$25
▼
Rate0.00%
Min Deposit$25
Min BalanceN/A
UpdatedOct 9, 2026
Details

Qualifications Required: 15 debit card transactions; 1 qualifying deposit or ACH; estatements enrollment; Earn interest on your Checking Account balance. With no monthly service fees and refunds on ATM charges, this could be the Checking Account for you! Balance: up to $20,000.00

Rate History
No change since Sep 21, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 21, 2026: 1.00% APYSep 21, 2026Oct 15, 2026
BancFirst
Institution Rating:
A5.0 ★ Texas Ratio: 6.40%
Performance Checking
0.50%
$0
▼
Rate0.50%
Min Deposit$0
Min BalanceN/A
UpdatedOct 14, 2026
Details

Balance: Over $499.99

Rate History
No change since Sep 9, 2026 · 0.50% APY · checked 8 times
0.00%0.50%1.00%Sep 9, 2026: 0.50% APYSep 9, 2026Oct 15, 2026
Frontier State Bank
Institution Rating:
D3.4 ★ Texas Ratio: 34.37%
Interest Checking
0.40%
$100
▼
Rate0.40%
Min Deposit$100
Min BalanceN/A
UpdatedOct 11, 2026
Details

No additional details provided.

Rate History
No change since Sep 24, 2026 · 0.40% APY · checked 5 times
0.00%0.45%0.90%Sep 24, 2026: 0.40% APYSep 24, 2026Oct 15, 2026
American Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
Interest Checking
0.30%
$100
▼
Rate0.30%
Min Deposit$100
Min BalanceN/A
UpdatedOct 14, 2026
Details

Balance: $50,000.00 & up

Rate History
No change since Sep 8, 2026 · 0.30% APY · checked 6 times
0.00%0.40%0.80%Sep 8, 2026: 0.30% APYSep 8, 2026Oct 15, 2026
American Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
Interest Checking
0.25%
$100
▼
Rate0.25%
Min Deposit$100
Min BalanceN/A
UpdatedOct 14, 2026
Details

Balance: $0.00 - $49,999.99

Rate History
No change since Sep 8, 2026 · 0.25% APY · checked 6 times
0.00%0.38%0.75%Sep 8, 2026: 0.25% APYSep 8, 2026Oct 15, 2026
First B&T Co. Perry, OK
Institution Rating:
A+5.0 ★ Texas Ratio: 4.42%
Interest Checking
0.20%
$0
▼
Rate0.20%
Min Deposit$0
Min BalanceN/A
UpdatedOct 14, 2026
Details

Qualifications Required; Rates effective as of October 1, 2026; Monthly service charge of $10 refunded with Avg Deposit Balance > $50,000, OR Avg Loan Balance > $50,000, OR with 4 of the following per statement cycle

Rate History
No change since Sep 11, 2026 · 0.20% APY · checked 9 times
0.00%0.35%0.70%Sep 11, 2026: 0.20% APYSep 11, 2026Oct 15, 2026
Valor Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.19%
Interest Checking
0.15%
$100
▼
Rate0.15%
Min Deposit$100
Min BalanceN/A
UpdatedOct 14, 2026
Details

Balance: $25,000 and over; For non-profit entities and IOLTA accounts only; Fees may reduce earnings on the account

Rate History
No change since Sep 28, 2026 · 0.15% APY · checked 5 times
0.00%0.33%0.65%Sep 28, 2026: 0.15% APYSep 28, 2026Oct 15, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★ Texas Ratio: 17.16%
Gateway 50 Plus Checking
0.15%
$50
▼
Rate0.15%
Min Deposit$50
Min BalanceN/A
UpdatedOct 14, 2026
Details

Balance: Any balance; Minimum opening deposit $50

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 15, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★ Texas Ratio: 17.16%
Gateway Easy Interest Checking
0.15%
$50
▼
Rate0.15%
Min Deposit$50
Min BalanceN/A
UpdatedOct 14, 2026
Details

Balance: Any balance

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 15, 2026
Gateway First Bank
Institution Rating:
B+4.8 ★ Texas Ratio: 17.16%
Gateway Premier Interest Checking
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
UpdatedOct 14, 2026
Details

Balance: $0.00 - $1,499.99

Rate History
No change since Sep 18, 2026 · 0.15% APY · checked 7 times
0.00%0.33%0.65%Sep 18, 2026: 0.15% APYSep 18, 2026Oct 15, 2026
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.19%
Interest Rewards Checking
0.15%
$25
▼
Rate0.15%
Min Deposit$25
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $50,000 and up

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 15, 2026
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★ Texas Ratio: 18.17%
Essential Interest Checking
0.10%
$100
▼
Rate0.10%
Min Deposit$100
Min BalanceN/A
UpdatedOct 14, 2026
Details

Interest Paid: Monthly; Min Balance to Obtain APY: $500

Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 8 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 15, 2026
Elevate Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.93%
Interest Checking
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
UpdatedOct 14, 2026
Details

Compounding: Monthly

Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 7 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 15, 2026
Valor Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.19%
Interest Checking
0.10%
$100
▼
Rate0.10%
Min Deposit$100
Min BalanceN/A
UpdatedOct 14, 2026
Details

Balance: $5,000 - $24,999.99; For non-profit entities and IOLTA accounts only; Fees may reduce earnings on the account

Rate History
No change since Sep 28, 2026 · 0.10% APY · checked 5 times
0.00%0.30%0.60%Sep 28, 2026: 0.10% APYSep 28, 2026Oct 15, 2026
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.19%
Interest Rewards Checking
0.10%
$25
▼
Rate0.10%
Min Deposit$25
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $10,000 - $49,999.99

Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 8 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 15, 2026
Valor Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.19%
Interest Checking
0.05%
$100
▼
Rate0.05%
Min Deposit$100
Min BalanceN/A
UpdatedOct 14, 2026
Details

Balance: $0 - $4,999.99; For non-profit entities and IOLTA accounts only; Fees may reduce earnings on the account

Rate History
No change since Sep 28, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 28, 2026: 0.05% APYSep 28, 2026Oct 15, 2026
MapleMark Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.88%
Platinum Checking
0.05%
$25,000
▼
Rate0.05%
Min Deposit$25,000
Min BalanceN/A
UpdatedOct 14, 2026
Details

Balance: $25,000 - $49,999.99

Rate History
No change since Sep 27, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 27, 2026: 0.05% APYSep 27, 2026Oct 15, 2026
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.19%
Interest Rewards Checking
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $1,000 - $9,999.99

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 15, 2026

Pocasset Rewards Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
FNB Community Bank
Institution Rating:
B4.5 ★ Texas Ratio: 21.65%
Rewards Checking
5.00%
$0
▼
Rate4.89%
Min Deposit$0
Min BalanceN/A
UpdatedOct 15, 2026
Details

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

Rate History
No change since Sep 20, 2026 · 5.00% APY · checked 8 times
4.50%5.00%5.50%Sep 20, 2026: 5.00% APYSep 20, 2026Oct 15, 2026
Sooner State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
Free Kasasa Cash checking
5.00%
$100
▼
Rate4.89%
Min Deposit$100
Min BalanceN/A
UpdatedOct 11, 2026
Details

Qualifications Required: 12 debit card purchases; 1 direct deposit or ACH transaction; enrolled in and agree to eStatements; Balances up to and including $15,000 earn this APY. Daily balances over $15,000 earn an interest rate of .7474% on the portion of the daily balance over $15,000, resulting in a range from .75% to 5.00% APY depending on the account's daily balance. ATM withdrawal fee reimbursements up to $20 monthly. APYs accurate as of 11/27/2023.

Rate History
No change since Oct 7, 2026 · 5.00% APY · checked 2 times
4.50%5.00%5.50%Oct 7, 2026: 5.00% APYOct 7, 2026Oct 15, 2026
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Kasasa Cash Checking
5.00%
$0
▼
Rate4.96%
Min Deposit$0
Min BalanceN/A
UpdatedOct 15, 2026
Details

Qualifications Required; Qualifying balance up to $25,000.00; Balance: On balances up to $25,000

Rate History
No change since Oct 4, 2026 · 5.00% APY · checked 3 times
4.50%5.00%5.50%Oct 4, 2026: 5.00% APYOct 4, 2026Oct 15, 2026
Grand Savings Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.58%
Grand Rewards Checking
4.07%
$100
▼
Rate4.00%
Min Deposit$100
Min BalanceN/A
UpdatedOct 14, 2026
Details

Qualifications Required; Qualifying balance less than $25,000.00; Interest compounded monthly; Opening balance $100; Minimum balance to earn interest is $0.01

Rate History
No change since Sep 19, 2026 · 4.07% APY · checked 8 times
3.57%4.07%4.57%Sep 19, 2026: 4.07% APYSep 19, 2026Oct 15, 2026
Frazer Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Free Kasasa Cash Checking
4.00%
$100
▼
Rate3.93%
Min Deposit$100
Min BalanceN/A
UpdatedOct 14, 2026
Details

Qualifications Required; Balance: $0.00 - $25,000.00; Daily balances over $25,000 earn 0.50% on the excess, resulting in a range from 4.00% to 1.40% APY; Refunds on nationwide ATM withdrawal fees up to $25 monthly; No minimum balance to earn rewards; No monthly maintenance fee; Base rate of 0.05% APY if qualifications are not met

Rate History
No change since Oct 14, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 15, 2026
Credit Union One Of Oklahoma Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.42%
Rewards Checking with MyRewards +
2.53%
$0
▼
Rate2.50%
Min Deposit$0
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $0 - $10,000.00; Dividends Paid: Monthly; To qualify for highest APY, requirements must be met

Rate History
1 change since Sep 18, 2026 · 0.10% → 2.53% ▲ 2.43 pts · high 2.53% / low 0.10%
0.00%2.48%4.96%Sep 18, 2026: 0.10% APYOct 13, 2026: 2.53% APYSep 18, 2026Oct 15, 2026
  • Oct 13, 20262.53%▲ from 0.10%
  • Sep 18, 20260.10%first recorded
Vast Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Rewards Checking
2.50%
$100
▼
Rate2.47%
Min Deposit$100
Min BalanceN/A
UpdatedOct 14, 2026
Details

Qualifications Required; Balance: Up to $25,000; Qualifying balance up to $25,000.00; Must meet minimum monthly qualifications to earn premium rate

Rate History
No change since Oct 14, 2026 · 2.50% APY
2.00%2.50%3.00%Oct 14, 2026: 2.50% APYOct 14, 2026Oct 15, 2026
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.99%
Rewards Checking
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 9, 2026
Details

Qualified Tier 1 ($0 - $20,000)

Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 5 times
0.50%1.00%1.50%Sep 14, 2026: 1.00% APYSep 14, 2026Oct 15, 2026
Sooner State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
Free Kasasa Cash checking
0.50%
$100
▼
Rate0.50%
Min Deposit$100
Min BalanceN/A
UpdatedOct 11, 2026
Details

When qualifications are not met, the interest rate earned on the account's entire daily balance will be .50% resulting in an annual percentage yield of .50% and ATM withdrawal fees are not refunded. APYs accurate as of 11/27/2023.

Rate History
No change since Oct 7, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 7, 2026: 0.50% APYOct 7, 2026Oct 15, 2026
Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
Member Rewards Checking Account
0.25%
$0
▼
Rate0.25%
Min Deposit$0
Min BalanceN/A
UpdatedOct 15, 2026
Details

Balance: $25,000 minimum tier; Dividends compounded and credited monthly; Minimum average daily balance tier

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 15, 2026
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.99%
Rewards Checking
0.20%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 9, 2026
Details

Qualified Tier 2 (Over $20,000)

Rate History
No change since Sep 14, 2026 · 0.20% APY · checked 5 times
0.00%0.35%0.70%Sep 14, 2026: 0.20% APYSep 14, 2026Oct 15, 2026
Community Bank Bristow, OK
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
Rewards Checking
0.15%
$100
▼
Rate0.15%
Min Deposit$100
Min BalanceN/A
UpdatedOct 11, 2026
Details

No additional details provided.

Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 15, 2026
Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
Member Rewards Checking Account
0.15%
$0
▼
Rate0.15%
Min Deposit$0
Min BalanceN/A
UpdatedOct 15, 2026
Details

Balance: $10,000 minimum tier; Dividends compounded and credited monthly; Minimum average daily balance tier

Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 7 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 15, 2026
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.19%
Interest Rewards Checking
0.15%
$25
▼
Rate0.15%
Min Deposit$25
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $50,000 and up

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 15, 2026
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.19%
Interest Rewards Checking
0.10%
$25
▼
Rate0.10%
Min Deposit$25
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $10,000 - $49,999.99

Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 8 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 15, 2026
Employees Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.70%
Member Rewards Checking Account
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 15, 2026
Details

Balance: $2,500 minimum tier; Dividends compounded and credited monthly; Minimum average daily balance tier

Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 7 times
0.00%0.28%0.55%Sep 14, 2026: 0.05% APYSep 14, 2026Oct 15, 2026
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.19%
Interest Rewards Checking
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $1,000 - $9,999.99

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 15, 2026
Oklahoma Educators Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.99%
Rewards Checking
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 9, 2026
Details

Non-Qualified Tier

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 15, 2026

Pocasset Free Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Wisdom Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 5.47%
Free Heritage Cash Checking
6.00%
$100
▼
Rate5.84%
Min Deposit$100
Min BalanceN/A
UpdatedOct 15, 2026
Details

Qualifications Required; Balance: $0 - $25,000; Qualifying balance up to $25,000.00; Refunds up to $25 monthly for nationwide ATM withdrawal fees

Rate History
1 change since Sep 16, 2026 · 3.56% → 6.00% ▲ 2.44 pts · high 6.00% / low 3.56%
1.12%4.78%8.44%Sep 16, 2026: 3.56% APYOct 8, 2026: 6.00% APYSep 16, 2026Oct 15, 2026
  • Oct 8, 20266.00%▲ from 3.56%
  • Sep 16, 20263.56%first recorded
Sooner State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
Free Kasasa Cash checking
5.00%
$100
▼
Rate4.89%
Min Deposit$100
Min BalanceN/A
UpdatedOct 11, 2026
Details

Qualifications Required: 12 debit card purchases; 1 direct deposit or ACH transaction; enrolled in and agree to eStatements; Balances up to and including $15,000 earn this APY. Daily balances over $15,000 earn an interest rate of .7474% on the portion of the daily balance over $15,000, resulting in a range from .75% to 5.00% APY depending on the account's daily balance. ATM withdrawal fee reimbursements up to $20 monthly. APYs accurate as of 11/27/2023.

Rate History
No change since Oct 7, 2026 · 5.00% APY · checked 2 times
4.50%5.00%5.50%Oct 7, 2026: 5.00% APYOct 7, 2026Oct 15, 2026
Frazer Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
Free Kasasa Cash Checking
4.00%
$100
▼
Rate3.93%
Min Deposit$100
Min BalanceN/A
UpdatedOct 14, 2026
Details

Qualifications Required; Balance: $0.00 - $25,000.00; Daily balances over $25,000 earn 0.50% on the excess, resulting in a range from 4.00% to 1.40% APY; Refunds on nationwide ATM withdrawal fees up to $25 monthly; No minimum balance to earn rewards; No monthly maintenance fee; Base rate of 0.05% APY if qualifications are not met

Rate History
No change since Oct 14, 2026 · 4.00% APY
3.50%4.00%4.50%Oct 14, 2026: 4.00% APYOct 14, 2026Oct 15, 2026
First Liberty Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Freedom Checking
0.80%
$50
▼
Rate0.80%
Min Deposit$50
Min BalanceN/A
UpdatedOct 14, 2026
Details

Balance: $25,000.00 and over

Rate History
No change since Sep 14, 2026 · 0.80% APY · checked 8 times
0.30%0.80%1.30%Sep 14, 2026: 0.80% APYSep 14, 2026Oct 15, 2026
First Liberty Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Freedom Checking
0.75%
$50
▼
Rate0.75%
Min Deposit$50
Min BalanceN/A
UpdatedOct 14, 2026
Details

Balance: $5,000.00 - $24,999.00

Rate History
No change since Sep 14, 2026 · 0.75% APY · checked 8 times
0.25%0.75%1.25%Sep 14, 2026: 0.75% APYSep 14, 2026Oct 15, 2026
First Liberty Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.50%
Freedom Checking
0.50%
$50
▼
Rate0.50%
Min Deposit$50
Min BalanceN/A
UpdatedOct 14, 2026
Details

Balance: $100.00 - $4,999.00

Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 8 times
0.00%0.50%1.00%Sep 14, 2026: 0.50% APYSep 14, 2026Oct 15, 2026
Sooner State Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.85%
Free Kasasa Cash checking
0.50%
$100
▼
Rate0.50%
Min Deposit$100
Min BalanceN/A
UpdatedOct 11, 2026
Details

When qualifications are not met, the interest rate earned on the account's entire daily balance will be .50% resulting in an annual percentage yield of .50% and ATM withdrawal fees are not refunded. APYs accurate as of 11/27/2023.

Rate History
No change since Oct 7, 2026 · 0.50% APY · checked 2 times
0.00%0.50%1.00%Oct 7, 2026: 0.50% APYOct 7, 2026Oct 15, 2026
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★ Texas Ratio: 18.17%
Essential Interest Checking
0.10%
$100
▼
Rate0.10%
Min Deposit$100
Min BalanceN/A
UpdatedOct 14, 2026
Details

Interest Paid: Monthly; Min Balance to Obtain APY: $500

Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 8 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 15, 2026
Western Sun Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.99%
Basic Checking
0.05%
$0
▼
Rate0.05%
Min Deposit$0
Min BalanceN/A
UpdatedOct 15, 2026
Details

Dividends paid monthly on a minimum $500 daily ending balance (per footnote 2)

Rate History
No change since Sep 25, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 25, 2026: 0.05% APYSep 25, 2026Oct 15, 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 14, 2026
Details

No additional details provided.

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 15, 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 14, 2026
Details

No additional details provided.

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 15, 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 14, 2026
Details

No additional details provided.

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 15, 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 14, 2026
Details

No additional details provided.

Rate History
No change since Sep 30, 2026 · 0.01% APY · checked 5 times
0.00%0.26%0.51%Sep 30, 2026: 0.01% APYSep 30, 2026Oct 15, 2026

Pocasset Student Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
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 14, 2026
Details

No additional details provided.

Rate History
No change since Sep 30, 2026 · 0.05% APY · checked 5 times
0.00%0.28%0.55%Sep 30, 2026: 0.05% APYSep 30, 2026Oct 15, 2026
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.19%
Teen Checking
0.05%
$25
▼
Rate0.05%
Min Deposit$25
Min BalanceN/A
UpdatedOct 13, 2026
Details

Balance: $500 and up

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 15, 2026

Pocasset Business Checking Rates

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
1st Bank in Hominy
Institution Rating:
A+5.0 ★ Texas Ratio: 0.46%
Regular Business Checking Business
4.00%
$250
▼
Rate4.00%
Min Deposit$250
Min BalanceN/A
UpdatedOct 11, 2026
Details

Earning allowance of 4% per year on average balance

Rate History
No change since Sep 29, 2026 · 4.00% APY · checked 5 times
3.50%4.00%4.50%Sep 29, 2026: 4.00% APYSep 29, 2026Oct 15, 2026
Legacy Bank Hinton, OK
Institution Rating:
B-4.4 ★ Texas Ratio: 22.58%
Business Interest Checking Business
1.00%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 14, 2026
Details

Designed for sole proprietorships and not-for-profits; Free unlimited monthly transaction items

Rate History
No change since Sep 7, 2026 · 1.00% APY · checked 8 times
0.50%1.00%1.50%Sep 7, 2026: 1.00% APYSep 7, 2026Oct 15, 2026
Red River Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.73%
Business Checking Business
0.40%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 15, 2026
Details

No additional details provided.

Rate History
No change since Sep 14, 2026 · 0.40% APY · checked 8 times
0.00%0.45%0.90%Sep 14, 2026: 0.40% APYSep 14, 2026Oct 15, 2026
American Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
Business Interest Checking Business
0.30%
$100
▼
Rate0.30%
Min Deposit$100
Min BalanceN/A
UpdatedOct 14, 2026
Details

Balance: $50,000.00 & up

Rate History
No change since Sep 8, 2026 · 0.30% APY · checked 6 times
0.00%0.40%0.80%Sep 8, 2026: 0.30% APYSep 8, 2026Oct 15, 2026
American Heritage Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.80%
Business Interest Checking Business
0.25%
$100
▼
Rate0.25%
Min Deposit$100
Min BalanceN/A
UpdatedOct 14, 2026
Details

Balance: $0.00 - $49,999.99

Rate History
No change since Sep 8, 2026 · 0.25% APY · checked 8 times
0.00%0.38%0.75%Sep 8, 2026: 0.25% APYSep 8, 2026Oct 15, 2026
Washita State Bank
Institution Rating:
A-5.0 ★ Texas Ratio: 15.57%
WSB Business Checking Account Business
0.20%
$100
▼
Rate0.20%
Min Deposit$100
Min BalanceN/A
UpdatedOct 14, 2026
Details

Interest Compounded: Monthly; Interest Credited: Monthly; $12 Minimum Balance Fee if balance falls below $1,500 any day during the month; Accrued interest forfeited if balance falls below $1,500 or account is closed before month end

Rate History
No change since Sep 7, 2026 · 0.20% APY · checked 9 times
0.00%0.35%0.70%Sep 7, 2026: 0.20% APYSep 7, 2026Oct 15, 2026
Community Bank Bristow, OK
Institution Rating:
A5.0 ★ Texas Ratio: 8.83%
Commercial NOW Checking Business
0.15%
$1,500
▼
Rate0.15%
Min Deposit$1,500
Min BalanceN/A
UpdatedOct 11, 2026
Details

No additional details provided.

Rate History
No change since Sep 14, 2026 · 0.15% APY · checked 6 times
0.00%0.33%0.65%Sep 14, 2026: 0.15% APYSep 14, 2026Oct 15, 2026
WeStreet Federal Credit Union
Institution Rating:
B4.6 ★ Texas Ratio: 20.19%
Business Advantage Checking Business
0.15%
$100
▼
Rate0.15%
Min Deposit$100
Min BalanceN/A
UpdatedOct 13, 2026
Details

Minimum to earn dividends: $5,000

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 15, 2026
AVB Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Business Interest Checking Business
0.12%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 14, 2026
Details

Balance: $250,000.00 & Above

Rate History
No change since Sep 15, 2026 · 0.12% APY · checked 9 times
0.00%0.31%0.62%Sep 15, 2026: 0.12% APYSep 15, 2026Oct 15, 2026
Bank of Commerce Duncan, OK
Institution Rating:
B+4.7 ★ Texas Ratio: 18.17%
Commercial Checking Interest Bearing Account Business
0.10%
$500
▼
Rate0.10%
Min Deposit$500
Min BalanceN/A
UpdatedOct 14, 2026
Details

Balance: $0.00 - $9,999.99; Interest Paid: Monthly

Rate History
No change since Sep 14, 2026 · 0.10% APY · checked 8 times
0.00%0.30%0.60%Sep 14, 2026: 0.10% APYSep 14, 2026Oct 15, 2026
AVB Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Business Interest Checking Business
0.10%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 14, 2026
Details

Balance: $25,000.00 - $249,999.99

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 15, 2026
Liberty National Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.12%
Business NOW Checking Business
0.10%
$0
▼
Rate0.10%
Min Deposit$0
Min BalanceN/A
UpdatedOct 14, 2026
Details

Balance: $1,500+

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 15, 2026
AVB Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
Business Interest Checking Business
0.05%
$0
▼
Rate0.00%
Min Deposit$0
Min BalanceN/A
UpdatedOct 14, 2026
Details

Balance: $10,000.00 - $24,999.99

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 15, 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 14, 2026
Details

Balance: $0.01 and up

Rate History
No change since Sep 18, 2026 · 0.03% APY · checked 7 times
0.00%0.27%0.53%Sep 18, 2026: 0.03% APYSep 18, 2026Oct 15, 2026
Vast Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 0.03%
Commercial Interest-Bearing Checking Accounts - Not-for-Profit Business
0.02%
$100
▼
Rate0.02%
Min Deposit$100
Min BalanceN/A
UpdatedOct 14, 2026
Details

Balance: $1,500 or greater; Account fees may reduce earnings

Rate History
No change since Oct 14, 2026 · 0.02% APY
0.00%0.26%0.52%Oct 14, 2026: 0.02% APYOct 14, 2026Oct 15, 2026

Pocasset, OK Checking Rate Trends

Compare local Pocasset, OK 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 Oklahoma Checking Trends
High-Yield Checking OK Avg
2.655%
▲ 0.755 vs 7 days ago

Oklahoma high-yield checking rates rose 0.755 points over the past 7 days to 2.655% APY.

Free Checking OK Avg
0.666%
▲ 0.054 vs 7 days ago

Oklahoma free checking rates rose 0.054 points over the past 7 days to 0.666% APY.

As of Oct 15, 2026 • Rate data sourced from 8,500+ monitored institutions

Pocasset, OK 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 Oklahoma figures.

Current High-Yield Avg
2.66%
APY, as of Oct 15, 2026
6-Month Forecast
2.71%
Fed hold assumed
12-Month Forecast
2.76%
Range: 2.51% to 2.96%
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 Pocasset, Oklahoma Institutions

Highest verified APYs available today, updated October 15, 2026. Advertised rates typically require qualifying monthly activity.

B Top 5 Bank Rates
Wisdom Heritage Bank
Free Heritage Cash Checking
A+ 5.0 ★ TX: 5.47%
Min: $100
6.00%
FNB Community Bank
Rewards Checking
B 4.5 ★ TX: 21.65%
Min: $0
5.00%
Sooner State Bank
Free Kasasa Cash checking
A+ 5.0 ★ TX: 1.85%
Min: $100
5.00%
Grand Savings Bank
Grand Rewards Checking
A+ 5.0 ★ TX: 4.58%
Min: $100
4.07%
Frazer Bank
Free Kasasa Cash Checking
A+ 5.0 ★ TX: 0.00%
Min: $100
4.00%
CU Top 5 Credit Union Rates
Western Sun Federal Credit Union
Kasasa Cash Checking
A+ 5.0 ★ TX: 2.99%
Min: $0
5.00%
Red River Federal Credit Union
High Yield Checking
A+ 5.0 ★ TX: 1.73%
Min: $0
4.05%
Communication Federal Credit Union
Performance Checking
A 5.0 ★ TX: 6.32%
Min: $25
4.00%
Tinker Federal Credit Union
Click Checking
A+ 5.0 ★ TX: 2.34%
Min: $25
3.21%
Credit Union One Of Oklahoma Credit Union
SavvySpender Checking (Minor Checking)
A 5.0 ★ TX: 8.42%
Min: $0
3.04%
Rates verified October 15, 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 OK Checking Averages

Annual interest earnings at current Oklahoma 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 (2.655% APY)Monthly Earnings Free Checking (0.666% APY)Monthly Earnings
$2,500 $66.37 / year $5.53 $16.66 / year $1.39
$5,000 $132.74 / year $11.06 $33.32 / year $2.78
$10,000 $265.47 / year $22.12 $66.63 / year $5.55
$25,000 $663.68 / year $55.31 $166.58 / year $13.88
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: Oklahoma checking rate averages as of October 15, 2026.
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48
Institutions with Checking Rates
Available in Pocasset, Oklahoma
25 Banks 23 Credit Unions

About Our Pocasset, Oklahoma Checking Rate Database

MonitorBankRates tracks checking account rates from 25 banks and 23 credit unions offering checking accounts to Pocasset, Oklahoma 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: Wisdom Heritage Bank offers a checking account at 6.00% APY with a minimum deposit of $100. High-yield checking rates typically require qualifying monthly activity. Check the account details before opening.

How to Find the Best Checking Rates in Pocasset, Oklahoma

What to compare when shopping for an interest-bearing checking account in Pocasset, Oklahoma

To find the best checking APYs in Pocasset, Oklahoma, start with credit unions and online-only banks: Pocasset, Oklahoma has 23 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 OK high-yield checking average is 2.655% but top institutions serving Pocasset, Oklahoma 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 Pocasset, Oklahoma.

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: 48 institutions serving Pocasset, Oklahoma report checking rates to our database

Consider an Alternative If…

Oklahoma Financial Snapshot

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

Population 65+
16.3%
National avg: 17.3%
Median Individual Earnings
$40,265
National avg: $47,340
Poverty Rate
15.3%
National avg: 11.1%
Unemployment Rate
4.9%
National avg: 4.8%
Checking Earnings on 10% of Salary
$107/yr
At OK HY checking avg 2.655% APY

At today’s OK high-yield checking average of 2.655%, keeping 10% of the local median salary ($4,026) in a high-yield checking account would earn $107 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 Pocasset, Oklahoma Options

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

Feature High-Yield Checking Free Checking High-Yield Savings Money Market
Current OK Avg APY 2.655% 0.666% 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 Oklahoma averages tracked in our database as of October 15, 2026. Rates are variable and may differ by institution. See individual product pages for full details.

Pocasset, Oklahoma 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 Pocasset, Oklahoma 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 Pocasset, Oklahoma Checking Rates

Verified October 15, 2026 · click a rate to use it
Rates shown are actual verified offers available in Pocasset, Oklahoma 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 Pocasset, Oklahoma 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 Pocasset, Oklahoma 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 Pocasset, Oklahoma. 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 OK.

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 Pocasset, Oklahoma earn interest?

Most traditional local checking accounts in Pocasset, Oklahoma 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 Pocasset, Oklahoma FDIC insured?

Yes. Legitimate banks with branches in Pocasset, Oklahoma 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 Pocasset, Oklahoma?

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 Pocasset, Oklahoma?

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 Pocasset, Oklahoma

Based on our current data, some of the highest checking account APYs available to residents of Pocasset, Oklahoma include:
  • Wisdom Heritage Bank
    Free Heritage Cash Checking: 6.00% APY
  • FNB Community Bank
    Rewards Checking: 5.00% APY
  • Sooner State Bank
    Free Kasasa Cash checking: 5.00% APY
  • Western Sun Federal Credit Union
    Kasasa Cash Checking: 5.00% APY
  • Grand Savings Bank
    Grand Rewards Checking: 4.07% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Pocasset, Oklahoma. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: October 15, 2026

Pocasset, Oklahoma Rates & Resources