2010 High-Yield Checking Study

This survey was conducted in March 2010. Find the latest checking account yields.

At Bankrate we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here’s an explanation for

Bankrate surveyed 211 banks and credit unions to find the best high-yield checking accounts across the country. Fifty-eight institutions offer such accounts.

To see the details of each institution’s high-interest checking account, click on the name of the bank or credit union.

Banks
Institution name
Nationally offered?
APY Monthly debit transactions required Balance cap
Amegy Bank Yes 2% 10 $25,000.00
AmericaNet Bank Yes 4% 10 $10,000.00
American National Bank Yes 4.05% 12 $25,000.00
Arizona Bank & Trust No – Phoenix market only 4.01% 15 $20,000.00
Atlantic Coast Bank Yes 3.25% 10 $25,000.00
The Bank of Fayetteville Yes 3.2% 10 $50,000.00
Bank of Hiawassee & Bank of Blairsville Yes 1.5% 10 $99,999.99
Bank of the Sierra No – Calif. and W.Va. only 4.09% 12 $25,000.00
Bank of the Wichitas No – Okla. only 4% 10 $10,000.00
BankTexas Yes 3.25% 10 $25,000.00
Cambridge Savings Bank No – Mass. only 4% 15 $25,000.00
Capital Bank Yes 4.01% 10 $10,000.00
Cattleman’s National Bank No – Banking area only 4.01% 12 $35,000.00
CBDirect Bank Yes 3% 10 None
City National Bank (Texas) Yes 1.68% 10 None
Colonial Savings No – Banking area only 1.51% 5 $25,000.00
Community Bank of Pleasant Hill Yes 2.51% 10 $25,000.00
Community Bank of Raymore Yes 2.51% 10 $25,000.00
Community National Bank of Lakeway Area No – Ala., Fla., Ga., Miss., N.C., S.C., Tenn. only 3.76% 12 $25,000.00
Coulee Bank Yes 3.33% 10 $25,000.00
Cross Keys Bank Yes 3.25% 12 $25,000.00
Danversbank Yes 4.01% 12 $25,000.00
Evantage Bank Yes 4% 10 $10,000.00
First Bank & Trust (Minn.) Yes 4.01% 10 $24,999.00
First Clover Leaf Bank Yes 4.01% 10 $25,000.00
First National Community Bank Yes 3.04% 10 $25,000.00
First Security Bank & Trust Yes 4.01% 10 $25,000.00
Founders Bank No – Texas only 4.26% 10 $10,000.00
Hanmi Bank No – Calif. only 0.75% 10 $24,999.00
Heritage Bank Yes 2.14% 10 $25,000.00
Integrity Bank Yes 4.01% 10 $25,000.00
Jeff Davis Bank Yes 4.01% 10 $15,000.00
KANZA Bank Yes 4% 12 $25,000.00
Lee County Bank & Trust Yes 2.75% 10 $25,000.00
Liberty Bank Yes 3.51% 15 $25,000.00
Meredith Village Savings Bank No – N.H. only 3.51% – 6-mo

/2% after

14 $25,000.00
Nevada State Bank Yes 2.25% 10 $25,000.00
NorStates Bank No – Ill. and Wis. only 3.50% 10 $25,000.00
North Country Savings Bank Yes 3% 10 $50,000.00
Ouachita Independent Bank Yes 3.15% 12 $25,000.00
Patriot Bank (Fla.) Yes 3.01% 10 $50,000.00
Premier Valley Bank No – Banking area only 3.56% 10 $25,000.00
ProvidentNJ Direct Yes 2.51% 10 $25,000.00
Southern Community Bank & Trust Yes 4% 10 $25,000.00
State Bank of Toledo Yes 2.51% 10 $25,000.00
Sutton Bank No – Banking area only 3.01% 11 $25,000.00
ViewPoint Bank Yes 4% 15 $50,000.00
West Texas National Bank Yes 2.01% 10 $25,000.00
Worthington Federal Bank No – Ala., Tenn. and Ga. only 1.75% 10 None
Credit Unions
Institution name
Nationally offered?
APY Monthly debit transactions required Balance cap
Addison Avenue FCU Yes 3.01% 12 $25,000.00
Advantage Plus FCU No – Credit union area only 3.71% 12 $15,000.00
BECU No – Credit union area only 6.17% None $500.00
Connexus Credit Union Yes 3.25% 15 $25,000.00
Consumers Credit Union Yes 4.09% 12 $25,000.00
First New England FCU Yes 4.1% 12 $15,000.00
MidWest America FCU Yes 3.01% 10 $25,000.00
Pacific Resource Credit Union Yes 3.56% 10 $25,000.00
Provident Credit Union No – Credit union area only 2.51% 10 $25,000.00

<< Back to the 2010 High-Yield Checking Study