MonitorBankRates
☰
Home › Checking Accounts › Washington Checking › Spokane, Washington Washington Checking Rate Trends iAdvertiser Disclosure
Advertiser Disclosure Some of the institutions listed may have a business relationship with MonitorBankRates. However, our proprietary systems independently track and verify all rates and data displayed. Advertiser relationships do not influence our Health Safety Rating, Star Ratings or Texas Ratio calculation, or the rates shown.

Best Banks & Checking Accounts in Spokane, Washington - March 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
| 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 Spokane, Washington include Progressions Credit UnionProgressions Credit Union2919 E Mission AVE, Spokane, WA 99202 3624A+5.0 ★Texas Ratio: 1.02% Prime Checking Account at 0.25% APY, Cheney Federal Credit UnionCheney Federal Credit Union10505 W Westbow Rd, Spokane, WA 99224 7434A+5.0 ★Texas Ratio: 1.30% Share Draft Checking at 0.10% APY, Spokane Firefighters Credit UnionSpokane Firefighters Credit Union2002 N Atlantic St, Spokane, WA 99205 4805A+5.0 ★Texas Ratio: 0.61% CHECKING at 0.10% APY, Numerica Credit UnionNumerica Credit Union405 E Farwell Rd, Spokane, WA 99218A+5.0 ★Texas Ratio: 2.80% FREE CHECKING at 0.00% APY, and Harborstone Credit UnionHarborstone Credit Union9611 Gravelly Lake Dr Sw, Lakewood, WA 98499 1510A5.0 ★Texas Ratio: 7.16% PNW Premier Checking at 7.00% APY.

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

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

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

Spokane, WA Checking Rate Trends

Compare local Spokane, WA 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 Washington Checking Trends →
High-Yield Checking — WA Avg
0.820%
▲ 0.683 from last week

Washington high-yield checking rates rose 0.683 points this week to 0.820% APY, up from 0.138% last week.

Rewards Checking — WA Avg
2.997%
▲ 1.553 from last week

Washington rewards checking rates rose 1.553 points this week to 2.997% 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 Spokane, Washington & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Progressions Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
2919 E Mission AVE
Spokane, WA 99202 3624
Prime Checking Account
0.25%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Cheney Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.30%
10505 W Westbow Rd
Spokane, WA 99224 7434
Share Draft Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Spokane Firefighters Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.61%
2002 N Atlantic St
Spokane, WA 99205 4805
CHECKING
0.10%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Progressions Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
2919 E Mission AVE
Spokane, WA 99202 3624
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Numerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
405 E Farwell Rd
Spokane, WA 99218
FREE CHECKING
0.00%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Harborstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
9611 Gravelly Lake Dr Sw
Lakewood, WA 98499 1510
PNW Premier Checking
7.00%
$0
View
▼
Rate6.78%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required; Qualifying balance up to $4,000.00

First Sound Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
925 4th Ave Ste 2350
Seattle, WA 98104
PNW Premier Checking
7.00%
$0
View
▼
Rate6.78%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required; Qualifying balance up to $4,000.00

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
800 SE 192nd Ave
Vancouver, WA 98683 9510
Interest Checking
5.50%
$0
View
▼
Rate5.37%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifications Required; Qualifying balance up to $14,999.99

Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
1617 6th Ave Fl 5
Seattle, WA 98101
Free Kasasa Cash Back Checking
5.00%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $200 in debit card purchases

Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
1617 6th Ave Fl 5
Seattle, WA 98101
Youth Checking
5.00%
$0
View
▼
Rate4.91%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $500.00

Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
1617 6th Ave Fl 5
Seattle, WA 98101
Youth Checking Account
5.00%
$0
View
▼
Rate4.91%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $500.00

IQ Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
1313 Main St
Vancouver, WA 98660 2918
Intelligent Checking Qualifying
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $25,000.00

Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
301 W Wishkah St
Aberdeen, WA 98520 6130
Great Advantage Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.77%
320 SW Mt Si Blvd
North Bend, WA 98045
Youth Rewards Checking Account
4.53%
$0
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Qualifying balance up to $5000.00

Red Canoe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
1418 15th Ave
Longview, WA 98632
Elevate Checking
4.25%
$0
View
▼
Rate4.16%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Qualifying balance up to $30,000.00

Fibre Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
796 Commerce Ave
Longview, WA 98632 2459
Choice Checking (Requirements Met)
4.25%
$25
View
▼
Rate4.16%
Min Deposit$25
Min Balance—
UpdatedMar 18, 2026
Details

Qualifications Required; Qualifying balance up to $20,000.00

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
11201 SE 8th St
Bellevue, WA 98004 6420
GreenRewards Checking
4.07%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Qualifying balance up to $500.00

Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
1617 6th Ave Fl 5
Seattle, WA 98101
Free Kasasa Cash Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $25,000.00

TAPCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
5303 112th St E
Tacoma, WA 98446
High-Yield Checking
4.00%
$5
View
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
1617 6th Ave Fl 5
Seattle, WA 98101
Kasasa Cash Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required; Qualifying balance up to $25,000.00

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
First Sound Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
925 4th Ave Ste 2350
Seattle, WA 98104
PNW Premier Checking
7.00%
$0
View
▼
Rate6.78%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required; Qualifying balance up to $4,000.00

Harborstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
9611 Gravelly Lake Dr Sw
Lakewood, WA 98499 1510
PNW Premier Checking
7.00%
$0
View
▼
Rate6.78%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required; Qualifying balance up to $4,000.00

Unitus Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.22%
800 SE 192nd Ave
Vancouver, WA 98683 9510
Interest Checking
5.50%
$0
View
▼
Rate5.37%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

Qualifications Required; Qualifying balance up to $14,999.99

Great Northwest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.37%
301 W Wishkah St
Aberdeen, WA 98520 6130
Great Advantage Checking
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

IQ Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.30%
1313 Main St
Vancouver, WA 98660 2918
Intelligent Checking Qualifying
5.00%
$0
View
▼
Rate4.89%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $25,000.00

Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
1617 6th Ave Fl 5
Seattle, WA 98101
Youth Checking Account
5.00%
$0
View
▼
Rate4.91%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $500.00

Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
1617 6th Ave Fl 5
Seattle, WA 98101
Youth Checking
5.00%
$0
View
▼
Rate4.91%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $500.00

Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
1617 6th Ave Fl 5
Seattle, WA 98101
Free Kasasa Cash Back Checking
5.00%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $200 in debit card purchases

Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.77%
320 SW Mt Si Blvd
North Bend, WA 98045
Youth Rewards Checking Account
4.53%
$0
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Qualifying balance up to $5000.00

Fibre Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.43%
796 Commerce Ave
Longview, WA 98632 2459
Choice Checking (Requirements Met)
4.25%
$25
View
▼
Rate4.16%
Min Deposit$25
Min Balance—
UpdatedMar 18, 2026
Details

Qualifications Required; Qualifying balance up to $20,000.00

Red Canoe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.75%
1418 15th Ave
Longview, WA 98632
Elevate Checking
4.25%
$0
View
▼
Rate4.16%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Qualifying balance up to $30,000.00

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
11201 SE 8th St
Bellevue, WA 98004 6420
GreenRewards Checking
4.07%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Qualifying balance up to $500.00

TAPCO Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.92%
5303 112th St E
Tacoma, WA 98446
High-Yield Checking
4.00%
$5
View
▼
Rate3.93%
Min Deposit$5
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
1617 6th Ave Fl 5
Seattle, WA 98101
Free Kasasa Cash Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $25,000.00

Peninsula Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
521 W Railroad Ave
Shelton, WA 98584 3520
Vista Premier Checking Account
4.00%
$0
View
▼
Rate3.94%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Qualifications Required; Qualifying balance up to $10,000.00

Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
1617 6th Ave Fl 5
Seattle, WA 98101
Kasasa Cash Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required; Qualifying balance up to $25,000.00

Rivermark Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.55%
1910 W Fourth Plain Blvd
Vancouver, WA 98660 1338
Rewards Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Qualifying balance up to $10,000.00

Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
8308 Quinault DR NE
Lacey, WA 98516
Affinity Basic Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

OnPoint Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.91%
6711 NE 63rd St
Vancouver, WA 98661
IOLTA Checking
2.82%
$0
View
▼
Rate2.79%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.77%
320 SW Mt Si Blvd
North Bend, WA 98045
Rewards Checking Account
2.53%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Qualifying balance up to $5000.00

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Progressions Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
2919 E Mission AVE
Spokane, WA 99202 3624
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
1617 6th Ave Fl 5
Seattle, WA 98101
Free Kasasa Cash Back Checking
5.00%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $200 in debit card purchases

Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.77%
320 SW Mt Si Blvd
North Bend, WA 98045
Youth Rewards Checking Account
4.53%
$0
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Qualifying balance up to $5000.00

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
11201 SE 8th St
Bellevue, WA 98004 6420
GreenRewards Checking
4.07%
$0
View
▼
Rate4.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Qualifying balance up to $500.00

Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
1617 6th Ave Fl 5
Seattle, WA 98101
Free Kasasa Cash Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $25,000.00

Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
1617 6th Ave Fl 5
Seattle, WA 98101
Kasasa Cash Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required; Qualifying balance up to $25,000.00

Rivermark Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.55%
1910 W Fourth Plain Blvd
Vancouver, WA 98660 1338
Rewards Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Qualifying balance up to $10,000.00

Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.77%
320 SW Mt Si Blvd
North Bend, WA 98045
Rewards Checking Account
2.53%
$0
View
▼
Rate2.50%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Qualifying balance up to $5000.00

Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
1 Microsoft Way
Redmond, WA 98052
Smart REWARDS Checking
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $15,000.00

Harborstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
9611 Gravelly Lake Dr Sw
Lakewood, WA 98499 1510
PNW Cash Back FREE Checking
1.00%
$25
View
▼
Rate1.00%
Min Deposit$25
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required: one direct deposit or one ACH withdrawal; Qualifying balance up to $3,000.00; Earning 1% cash back means you receive 1 cent back for every $1 you spend, so if you spend $100, you will get $1 in cash back.

Coastal Community Bank
Institution Rating:
A5.0 ★ Texas Ratio: 13.51%
5415 Evergreen Way
Everett, WA 98203
Green Rewards Checking
0.25%
$100
View
▼
Rate0.00%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

Qualifying balance up to $9,999.99

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Numerica Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.80%
405 E Farwell Rd
Spokane, WA 99218
FREE CHECKING
0.00%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
1617 6th Ave Fl 5
Seattle, WA 98101
Free Kasasa Cash Back Checking
5.00%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $200 in debit card purchases

Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
1617 6th Ave Fl 5
Seattle, WA 98101
Free Kasasa Cash Checking
4.00%
$0
View
▼
Rate3.93%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $25,000.00

Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
8308 Quinault DR NE
Lacey, WA 98516
Affinity Basic Checking
3.00%
$0
View
▼
Rate2.96%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Peninsula Community Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.70%
521 W Railroad Ave
Shelton, WA 98584 3520
Vista Basic Checking Account
2.00%
$0
View
▼
Rate1.98%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Qualifying balance up to $10,000.00; Qualifications Required

Harborstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
9611 Gravelly Lake Dr Sw
Lakewood, WA 98499 1510
PNW Cash Back FREE Checking
1.00%
$25
View
▼
Rate1.00%
Min Deposit$25
Min Balance—
UpdatedMar 20, 2026
Details

Qualifications Required: one direct deposit or one ACH withdrawal; Qualifying balance up to $3,000.00; Earning 1% cash back means you receive 1 cent back for every $1 you spend, so if you spend $100, you will get $1 in cash back.

Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
8308 Quinault DR NE
Lacey, WA 98516
Affinity Basic Checking
0.75%
$1,000
View
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Americas Federal Credit Union ACU
Institution Rating:
A+5.0 ★ Texas Ratio: 3.49%
8308 Quinault DR NE
Lacey, WA 98516
Affinity Basic Checking
0.50%
$15,000
View
▼
Rate0.50%
Min Deposit$15,000
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Puget Sound Cooperative Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.96%
11201 SE 8th St
Bellevue, WA 98004 6420
Better-than-Basic Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Pacific Crest SB
Institution Rating:
A+5.0 ★ Texas Ratio: 4.95%
3500 188th St Sw
Lynnwood, WA 98037
Free Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Pacific NW Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.79%
1650 NE Ross St
Vancouver, WA 98663
Basic Checking
0.00%
$25
View
▼
Rate0.00%
Min Deposit$25
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Northwest Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
2821 Hewitt Ave
Everett, WA 98201
Basic Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Governmental Employees Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.65%
1811 N Hutchinson Rd
Spokane Valley, WA 99212 2444
Basic Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

WCLA Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.61%
2419 Pacific Ave SE
Olympia, WA 98501
Basic Checking (personal)
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
19802 62nd Ave S
Kent, WA 98032 4009
Simple Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
1617 6th Ave Fl 5
Seattle, WA 98101
Youth Checking
5.00%
$0
View
▼
Rate4.91%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $500.00

Nordstrom Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.29%
1617 6th Ave Fl 5
Seattle, WA 98101
Youth Checking Account
5.00%
$0
View
▼
Rate4.91%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Qualifying balance up to $500.00

Sno Falls Credit Union
Institution Rating:
A-4.9 ★ Texas Ratio: 16.77%
320 SW Mt Si Blvd
North Bend, WA 98045
Youth Rewards Checking Account
4.53%
$0
View
▼
Rate4.50%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Qualifying balance up to $5000.00

Verity Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.01%
18530 33rd Ave W
Lynnwood, WA 98037
Youth Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
303 NE Thornton PL
Seattle, WA 98125
Youth Checking
0.05%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Account limited to those under 18 years of age.

First Sound Bank
Institution Rating:
A5.0 ★ Texas Ratio: 9.17%
925 4th Ave Ste 2350
Seattle, WA 98104
Teen Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Northwest Plus Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.75%
2821 Hewitt Ave
Everett, WA 98201
Smart Checking (Youth)
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Harborstone Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.16%
9611 Gravelly Lake Dr Sw
Lakewood, WA 98499 1510
Teen Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Canopy Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.08%
930 N Howard St
Spokane, WA 99201
Business Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Seattle Bank
Institution Rating:
C-3.7 ★ Texas Ratio: 30.78%
401 Union Street
Seattle, WA 98101
Private Business Interest Checking
2.30%
$0
View
▼
Rate2.27%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
303 NE Thornton PL
Seattle, WA 98125
Premium Commercial Checking Account
2.02%
$0
View
▼
Rate2.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Seattle Bank
Institution Rating:
C-3.7 ★ Texas Ratio: 30.78%
401 Union Street
Seattle, WA 98101
Business Interest Checking
1.90%
$0
View
▼
Rate1.88%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Seattle Bank
Institution Rating:
C-3.7 ★ Texas Ratio: 30.78%
401 Union Street
Seattle, WA 98101
Business Interest Checking
1.85%
$0
View
▼
Rate1.83%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Seattle Bank
Institution Rating:
C-3.7 ★ Texas Ratio: 30.78%
401 Union Street
Seattle, WA 98101
Business Checking - IOLTA, IRETA
1.80%
$0
View
▼
Rate1.78%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Seattle Bank
Institution Rating:
C-3.7 ★ Texas Ratio: 30.78%
401 Union Street
Seattle, WA 98101
Business Interest Checking
1.80%
$0
View
▼
Rate1.78%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
303 NE Thornton PL
Seattle, WA 98125
Premium Commercial Checking Account
1.76%
$0
View
▼
Rate1.75%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
303 NE Thornton PL
Seattle, WA 98125
Commercial Checking Account
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
303 NE Thornton PL
Seattle, WA 98125
Premium Commercial Checking Account
1.51%
$0
View
▼
Rate1.50%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
303 NE Thornton PL
Seattle, WA 98125
Premium Commercial Checking Account
1.26%
$0
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
303 NE Thornton PL
Seattle, WA 98125
Commercial Checking Account
1.26%
$0
View
▼
Rate1.25%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
303 NE Thornton PL
Seattle, WA 98125
Commercial Checking Account
1.01%
$0
View
▼
Rate1.00%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Verity Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.01%
18530 33rd Ave W
Lynnwood, WA 98037
Business Analysis Checking
0.75%
$1,000
View
▼
Rate0.75%
Min Deposit$1,000
Min Balance—
UpdatedMar 15, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
303 NE Thornton PL
Seattle, WA 98125
Commercial Checking Account
0.75%
$0
View
▼
Rate0.75%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.24%
303 NE Thornton PL
Seattle, WA 98125
Premium Commercial Checking Account
0.55%
$0
View
▼
Rate0.55%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Sound Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.49%
1331 Broadway
Tacoma, WA 98402 3410
Business Interest Checking
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Meriwest Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.41%
1 Microsoft Way
Redmond, WA 98052
Business Elite Checking
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Rivermark Community Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.55%
1910 W Fourth Plain Blvd
Vancouver, WA 98660 1338
Business Checking Plus
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Sound Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.49%
1331 Broadway
Tacoma, WA 98402 3410
Business Interest Checking
0.25%
$0
View
▼
Rate0.25%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Methodology & Data Sources

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Spokane, Washington 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 Spokane, Washington. 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 WA.

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 Spokane, Washington earn interest?

Most traditional local checking accounts in Spokane, Washington 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 Spokane, Washington FDIC insured?

Yes. Legitimate banks with branches in Spokane, Washington 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 Spokane, Washington

Based on our current data, some of the highest checking account APYs available to residents of Spokane, Washington include:
  • Progressions Credit Union
    Prime Checking Account — 0.25% APY
  • Cheney Federal Credit Union
    Share Draft Checking — 0.10% APY
  • Spokane Firefighters Credit Union
    CHECKING — 0.10% APY
  • Numerica Credit Union
    FREE CHECKING — 0.00% APY
  • Harborstone Credit Union
    PNW Premier Checking — 7.00% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Spokane, Washington. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: March 21, 2026

Spokane, Washington Rates & Resources

$
Spokane, Washington CD Rates
$
Spokane, Washington Savings Rates
$
Spokane, Washington Money Market Rates
$
Spokane, Washington Mortgage Rates
$
Spokane, Washington Auto Loan Rates
$
Spokane, Washington Personal Loan Rates