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Best Banks & Checking Accounts in Columbia, Tennessee - March 2026

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Brian McKay Brian McKay
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Checking Account Rates — Last Updated and Verified: March 21, 2026

The best checking rates for Columbia, Tennessee include Ascend Federal Credit UnionAscend Federal Credit Union981 W James M Campbell Blvd, Columbia, TN 38401 4806A+5.0 ★Texas Ratio: 2.48% High-Yield Checking at 3.04% APY, Listerhill Credit UnionListerhill Credit Union1623 Hatcher Ln, Columbia, TN 38401 4826A+5.0 ★Texas Ratio: 4.62% Growth Checking Account at 2.27% APY, FirstBank (TN)FirstBank (TN)18 Public Sq, Columbia, TN 38401A5.0 ★Texas Ratio: 6.39% FirstRewards Checking at 1.51% APY, FedTrust Federal Credit UnionFedTrust Federal Credit Union167 N Main St Ste 102, Memphis, TN 38103 1867A5.0 ★Texas Ratio: 6.25% Rewards Checking at 4.59% APY, and Enbright Credit UnionEnbright Credit Union1214 Church St Ste 100, Nashville, TN 37246 0001A+5.0 ★Texas Ratio: 3.73% Interest Rewards Checking at 4.25% APY.

Looking for the best checking accounts in Columbia, Tennessee? You have two main choices: convenient local branches or high-yield online accounts.

The tables below compare the top rates available to residents of Columbia, Tennessee, featuring both local banks and credit unions near you.

Checking account rates reflect recent market quotes and representative offers available to depositors in Columbia, Tennessee. Checking Account Rates Last Updated and Verified: March 21, 2026

Columbia, TN Checking Rate Trends

Compare local Columbia, TN checking rate quotes against the statewide average

Weekly checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full Tennessee Checking Trends →
High-Yield Checking — TN Avg
1.285%
▲ 1.148 from last week

Tennessee high-yield checking rates rose 1.148 points this week to 1.285% APY, up from 0.138% last week.

Rewards Checking — TN Avg
1.763%
▲ 0.319 from last week

Tennessee rewards checking rates rose 0.319 points this week to 1.763% APY, up from 1.444% last week.

As of Mar 21, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Compare Checking Account Rates Today in Columbia, Tennessee & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
981 W James M Campbell Blvd
Columbia, TN 38401 4806
High-Yield Checking
3.04%
$0
View
▼
Rate2.99%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
1623 Hatcher Ln
Columbia, TN 38401 4826
Growth Checking Account
2.27%
$0
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Effective 3/1/2026

Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
1623 Hatcher Ln
Columbia, TN 38401 4826
Growth Checking Account
1.55%
$0
View
▼
Rate1.54%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Effective 3/1/2026

FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
18 Public Sq
Columbia, TN 38401
FirstRewards Checking
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifications Required: At least 10 debit card purchases post and clear; Have at least one ACH debit or ACH credit post and clear per monthly qualification cycle; Receive eStatement; Qualifying balance up to $25,000.00; To be eligible for a FirstRewards Checking account you must receive account statements electronically monthly.

Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
1623 Hatcher Ln
Columbia, TN 38401 4826
Growth Checking Account
1.40%
$0
View
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Effective 3/1/2026

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
981 W James M Campbell Blvd
Columbia, TN 38401 4806
Preferred Checking*
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
981 W James M Campbell Blvd
Columbia, TN 38401 4806
Preferred Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
981 W James M Campbell Blvd
Columbia, TN 38401 4806
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
981 W James M Campbell Blvd
Columbia, TN 38401 4806
Rewards Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
1623 Hatcher Ln
Columbia, TN 38401 4826
Growth Checking Account
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Effective 3/1/2026

FedTrust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.25%
167 N Main St Ste 102
Memphis, TN 38103 1867
Rewards Checking
4.59%
$0
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100
Nashville, TN 37246 0001
Interest Rewards Checking
4.25%
$0
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

Qualifications Required: Account must have E-Statements; One monthly direct deposit required; Use of debit card required; Qualifying balance up to $5,000

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
9525 Apison Pike
Collegedale, TN 37315
HY Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
7974 Centennial Dr
Memphis, TN 38125 2376
Dividend Plus Checking
3.52%
$25
View
▼
Rate3.52%
Min Deposit$25
Min Balance—
UpdatedMar 18, 2026
Details

N/A

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1316 Wilson Rd
Knoxville, TN 37912
High-Yield Checking
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2
Gray, TN 37615
Share Draft (Peak Checking)
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

based on qualifying criteria**

First National Bank of Middle Tennessee
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
200 E Main St
Mcminnville, TN 37110
FiRST Impact Interest Checking
3.04%
$100
View
▼
Rate3.00%
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required; Qualifying balance up to $20,000.00

TNConnect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
122 E Macon Ln
Seymour, TN 37865 4730
High Yield Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Qualifications Required

Eclipse Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
203 Broyles Dr
Johnson City, TN 37601
Opulent Checking
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details

Qualifying balance up to $250,000

Commercial Bank Harrogate, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
130 S Broad St
New Tazewell, TN 37825
Cash Back Checking
2.00%
$100
View
▼
Rate2.00%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

Qualifications Required: Use your debit card at least 12 times during a calendar month; Cash back earned on up to $300 in purchases monthly; Earn up to $72 cash back per year, $6 per month

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
981 W James M Campbell Blvd
Columbia, TN 38401 4806
High-Yield Checking
3.04%
$0
View
▼
Rate2.99%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
1623 Hatcher Ln
Columbia, TN 38401 4826
Growth Checking Account
2.27%
$0
View
▼
Rate2.25%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Effective 3/1/2026

Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
1623 Hatcher Ln
Columbia, TN 38401 4826
Growth Checking Account
1.55%
$0
View
▼
Rate1.54%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Effective 3/1/2026

FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
18 Public Sq
Columbia, TN 38401
FirstRewards Checking
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifications Required: At least 10 debit card purchases post and clear; Have at least one ACH debit or ACH credit post and clear per monthly qualification cycle; Receive eStatement; Qualifying balance up to $25,000.00; To be eligible for a FirstRewards Checking account you must receive account statements electronically monthly.

Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
1623 Hatcher Ln
Columbia, TN 38401 4826
Growth Checking Account
1.40%
$0
View
▼
Rate1.39%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Effective 3/1/2026

FedTrust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.25%
167 N Main St Ste 102
Memphis, TN 38103 1867
Rewards Checking
4.59%
$0
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100
Nashville, TN 37246 0001
Interest Rewards Checking
4.25%
$0
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

Qualifications Required: Account must have E-Statements; One monthly direct deposit required; Use of debit card required; Qualifying balance up to $5,000

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
9525 Apison Pike
Collegedale, TN 37315
HY Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
7974 Centennial Dr
Memphis, TN 38125 2376
Dividend Plus Checking
3.52%
$25
View
▼
Rate3.52%
Min Deposit$25
Min Balance—
UpdatedMar 18, 2026
Details

N/A

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1316 Wilson Rd
Knoxville, TN 37912
High-Yield Checking
3.50%
$0
View
▼
Rate3.45%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2
Gray, TN 37615
Share Draft (Peak Checking)
3.25%
$0
View
▼
Rate3.20%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

based on qualifying criteria**

First National Bank of Middle Tennessee
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
200 E Main St
Mcminnville, TN 37110
FiRST Impact Interest Checking
3.04%
$100
View
▼
Rate3.00%
Min Deposit$100
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required; Qualifying balance up to $20,000.00

TNConnect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
122 E Macon Ln
Seymour, TN 37865 4730
High Yield Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Qualifications Required

Eclipse Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.64%
203 Broyles Dr
Johnson City, TN 37601
Opulent Checking
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 13, 2026
Details

Qualifying balance up to $250,000

Commercial Bank Harrogate, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
130 S Broad St
New Tazewell, TN 37825
Cash Back Checking
2.00%
$100
View
▼
Rate2.00%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

Qualifications Required: Use your debit card at least 12 times during a calendar month; Cash back earned on up to $300 in purchases monthly; Earn up to $72 cash back per year, $6 per month

Gateway First Bank
Institution Rating:
F1.8 ★ Texas Ratio: 53.47%
905 Tusculum Blvd
Greeneville, TN 37745
Gateway Premier Interest Checking
1.50%
$0
View
▼
Rate1.49%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
7974 Centennial Dr
Memphis, TN 38125 2376
High Interest Checking
0.50%
$5,000
View
▼
Rate0.50%
Min Deposit$5,000
Min Balance—
UpdatedMar 18, 2026
Details

$100,000

SouthEast Bank
Institution Rating:
C-3.6 ★ Texas Ratio: 31.66%
285 Front St
Spring City, TN 37381
Premium Interest Checking
0.50%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
535 Chestnut St
Chattanooga, TN 37402
TVFCU Perks Platinum Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

FAA Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.87%
7974 Centennial Dr
Memphis, TN 38125 2376
High Interest Checking
0.40%
$5,000
View
▼
Rate0.40%
Min Deposit$5,000
Min Balance—
UpdatedMar 18, 2026
Details

Less than $100,000

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
FirstBank (TN)
Institution Rating:
A5.0 ★ Texas Ratio: 6.39%
18 Public Sq
Columbia, TN 38401
FirstRewards Checking
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

Qualifications Required: At least 10 debit card purchases post and clear; Have at least one ACH debit or ACH credit post and clear per monthly qualification cycle; Receive eStatement; Qualifying balance up to $25,000.00; To be eligible for a FirstRewards Checking account you must receive account statements electronically monthly.

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
981 W James M Campbell Blvd
Columbia, TN 38401 4806
Rewards Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

FedTrust Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.25%
167 N Main St Ste 102
Memphis, TN 38103 1867
Rewards Checking
4.59%
$0
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Enbright Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.73%
1214 Church St Ste 100
Nashville, TN 37246 0001
Interest Rewards Checking
4.25%
$0
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

Qualifications Required: Account must have E-Statements; One monthly direct deposit required; Use of debit card required; Qualifying balance up to $5,000

Commercial Bank Harrogate, TN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
130 S Broad St
New Tazewell, TN 37825
Cash Back Checking
2.00%
$100
View
▼
Rate2.00%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

Qualifications Required: Use your debit card at least 12 times during a calendar month; Cash back earned on up to $300 in purchases monthly; Earn up to $72 cash back per year, $6 per month

FNB of Oneida
Institution Rating:
A+5.0 ★ Texas Ratio: 0.96%
19260 Alberta St
Oneida, TN 37841
First Reward Checking
0.80%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required; Qualifying balance up to $50,000.00

Centennial Bank TN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
5420 Broad St S
Trezevant, TN 38258
Rewards Star Checking
0.60%
$0
View
▼
Rate0.60%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Centennial Bank TN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
5420 Broad St S
Trezevant, TN 38258
Rewards Star Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Tennessee Valley Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
535 Chestnut St
Chattanooga, TN 37402
TVFCU Perks Platinum Checking
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Centennial Bank TN
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
5420 Broad St S
Trezevant, TN 38258
Rewards Checking
0.40%
$25
View
▼
Rate0.40%
Min Deposit$25
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
300 Broad St
Elizabethton, TN 37643
Reward Interest Checking
0.40%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
300 Broad St
Elizabethton, TN 37643
Reward Interest Checking
0.30%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
300 Broad St
Elizabethton, TN 37643
Reward Interest Checking
0.25%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
300 Broad St
Elizabethton, TN 37643
Reward Interest Checking
0.20%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
300 Broad St
Elizabethton, TN 37643
Reward Interest Checking
0.15%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
300 Broad St
Elizabethton, TN 37643
Reward Interest Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd
Franklin, TN 37064 5313
Rewards Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
981 W James M Campbell Blvd
Columbia, TN 38401 4806
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

New South Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.30%
3261 N Mall Rd
Knoxville, TN 37924
FREE Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

FedEx Employees Credit Association Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.11%
50 Fed Ex Pkwy
Collierville, TN 38017 8711
Basic Checking
0.03%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Bowater Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.33%
5123 Highway 11 S
Calhoun, TN 37309
Free Interest Checking
0.01%
$0
View
▼
Rate0.01%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

TNConnect Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.73%
122 E Macon Ln
Seymour, TN 37865 4730
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No monthly fees or minimum balance

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
9525 Apison Pike
Collegedale, TN 37315
FREE Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
9525 Apison Pike
Collegedale, TN 37315
FREE Checking Account
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Southeast Financial Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.03%
220 S Royal Oaks Blvd
Franklin, TN 37064 5313
Student Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
1623 Hatcher Ln
Columbia, TN 38401 4826
Business High Yield Checking Account
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Effective 3/1/2026

Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
1623 Hatcher Ln
Columbia, TN 38401 4826
Business High Yield Checking Account
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Effective 3/1/2026

Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
1623 Hatcher Ln
Columbia, TN 38401 4826
Business High Yield Checking Account
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Effective 3/1/2026

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
981 W James M Campbell Blvd
Columbia, TN 38401 4806
Business Basic Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Ascend Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.48%
981 W James M Campbell Blvd
Columbia, TN 38401 4806
Business Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Listerhill Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.62%
1623 Hatcher Ln
Columbia, TN 38401 4826
Business High Yield Checking Account
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

Effective 3/1/2026

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2
Gray, TN 37615
Summit Business Checking
2.03%
$0
View
▼
Rate2.01%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Southern Bank of Tennessee
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
675 N Mount Juliet Rd
Mount Juliet, TN 37122
small business interest checking
1.00%
$1,000
View
▼
Rate0.00%
Min Deposit$1,000
Min Balance—
UpdatedMar 21, 2026
Details

Qualifications Required: 15 debit card transactions of $10 or more post and settle per month; Be enrolled and agree to receive e-statements; Qualifying balance up to $250,000.00

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2
Gray, TN 37615
Summit Business Checking
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Leaders Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.94%
214 Oil Well Rd
Jackson, TN 38305 7914
Leading Edge Business Checking
0.75%
$500
View
▼
Rate0.75%
Min Deposit$500
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2
Gray, TN 37615
Summit Business Checking
0.65%
$0
View
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Appalachian Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.21%
5034 Bobby Hicks Hwy Ste 2
Gray, TN 37615
Summit Business Checking
0.55%
$0
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Southern Security Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.34%
3183 Poplar Ave
Memphis, TN 38111
Business Share Draft (Checking)
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
300 Broad St
Elizabethton, TN 37643
Business Interest Checking
0.30%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1316 Wilson Rd
Knoxville, TN 37912
Preferred Business Checking Account
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Southern Security Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.34%
3183 Poplar Ave
Memphis, TN 38111
Business Share Draft (Checking)
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
300 Broad St
Elizabethton, TN 37643
Business Interest Checking
0.25%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

First National Bank (AR)
Institution Rating:
A+5.0 ★ Texas Ratio: 1.81%
100 Mcmurry Blvd E
Hartsville, TN 37074
You First Business Interest Checking
0.20%
$0
View
▼
Rate0.20%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Citizens Bank (ELIZABETHTON, TN)
Institution Rating:
A+5.0 ★ Texas Ratio: 3.69%
300 Broad St
Elizabethton, TN 37643
Business Interest Checking
0.20%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Knoxville TVA Employees Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
1316 Wilson Rd
Knoxville, TN 37912
Business Checking Account
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Methodology & Data Sources

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Columbia, Tennessee 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 pulling this data straight 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 Columbia, Tennessee. 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 TN.

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 Columbia, Tennessee earn interest?

Most traditional local checking accounts in Columbia, Tennessee 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 Columbia, Tennessee FDIC insured?

Yes. Legitimate banks with branches in Columbia, Tennessee are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.

What fees should I watch out for?

Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.

What is a Rewards Checking account?

Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.

Best Checking Rates in Columbia, Tennessee

Based on our current data, some of the highest checking account APYs available to residents of Columbia, Tennessee include:
  • Ascend Federal Credit Union
    High-Yield Checking — 3.04% APY
  • Listerhill Credit Union
    Growth Checking Account — 2.27% APY
  • FirstBank (TN)
    FirstRewards Checking — 1.51% APY
  • FedTrust Federal Credit Union
    Rewards Checking — 4.59% APY
  • Enbright Credit Union
    Interest Rewards Checking — 4.25% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Columbia, Tennessee. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: March 21, 2026

Columbia, Tennessee Rates & Resources

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