High Yield Reward Checking Accounts by State

statistics Updated on June 27, 2009
 Bank/Credit Union APY Balance Cap Link to Account Review 
Alabama
New Horizons Credit Union 5.51% $25,000 initial rvw: 11/20/08
CB&S Bank 4.41% $25,000 updated rvw: 03/27/08
Noble Bank & Trust 4.05% $25,000 updated rvw: 04/04/09
Keystone Bank 4.04% $25,000 updated rvw: 03/28/09
First Community Bank 4.01% $35,000 updated rvw: 05/31/09
Bancorp South 4.00% $30,000 updated rvw: 05/13/08
Renasant Bank 3.51% $25,000 updated rvw: 06/27/09
M&F Bank 3.50% $25,000 updated rvw: 05/31/09
Community Bank 3.25% $30,000 updated rvw: 01/26/09
Alaska
Denali State Bank 1.26% $25,000 initial rvw: 01/23/09
Arizona
Bank 1440 5.01% $25,000 initial rvw: 03/04/09
Credit Union West 4.01% $25,000 updated rvw: 05/10/09
Arizona Bank & Trust 4.01% $20,000 updated rvw: 04/02/09
First Credit Union 1.75% $25,000 updated rvw: 04/04/09
Arkansas
United FCU 6.01% $25,000 updated rvw: 10/28/08
First National Bank 5.09% $25,000 updated rvw: 03/27/08
Cross County Bank 5.01% $30,000 updated rvw: 03/18/09
Southern Bank 5.01% $25,000 updated rvw: 05/10/09
Liberty Bank 5.00% $30,000 updated rvw: 11/23/08
Bank of Little Rock 4.51% $25,000 updated rvw: 03/13/09
Focus Bank 4.51% $25,000 updated rvw: 06/13/09
First Arkansas Bank & Trust * 4.44% $50,000 updated rvw: 02/02/08
First National Bank of Wynne 4.33% $25,000 updated rvw: 04/18/09
Heartland Community Bank* 4.02% $30,000 updated rvw: 04/15/09
Bancorp South 4.00% $30,000 updated rvw: 05/13/08
Parkway Bank 3.80% $25,000 updated rvw: 04/11/09
The Bank of Fayetteville* 3.50% $50,000 updated rvw: 03/17/09
California
Bank of the Sierra* 4.51% $25,000 initial rvw: 12/03/08
FAST Federal Credit Union 4.08% $25,000 initial rvw: 03/18/09
Pacific Resource Credit Union* 4.07% $25,000 updated rvw: 05/17/09
Community West Bank 4.00% $25,000 updated rvw: 01/25/09
Addison Avenue FCU* 3.51% $25,000 updated rvw: 05/03/09
American River HealthPro CU 3.25% $25,000 updated rvw: 06/07/09
State Center Credit Union 3.02% $25,000 updated rvw: 04/11/09
Provident Credit Union* 3.01% $25,000 updated rvw: 05/17/09
Sacramento Credit Union 3.01% $25,000 updated rvw: 03/07/09
Tri Counties Bank 3.00% $25,000 updated rvw: 01/27/09
Point Loma Credit Union 3.00% $25,000 updated rvw: 05/17/09
First Federal Bank of CA 2.98% $25,000 updated rvw: 05/17/09
Hanmi Bank 2.53% $25,000 updated rvw: 04/18/09
National 1st Credit Union 2.51% $50,000 updated rvw: 05/31/09
Southland Credit Union 2.00% $50,000 updated rvw: 06/07/09
Colorado
Summit Bank & Trust 4.01% $20,000 updated rvw: 04/04/09
Liberty Savings Bank* 4.01% $25,000 initial rvw: 04/27/09
The State Bank 3.82% $25,000 updated rvw: 11/22/08
Addison Avenue FCU* 3.51% $25,000 updated rvw: 05/03/09
Air Academy Federal Credit Union 3.50% $50,000 updated rvw: 05/03/09
Home State Bank 3.45% $25,000 updated rvw: 12/31/08
Bank of Choice 3.05% $35,000 updated rvw: 06/07/09
Integrity Bank & Trust 3.04% $50,000 updated rvw: 05/17/09
1st SouthWest Bank 3.01% $25,000 updated rvw: 01/06/09
Connecticut
Seasons Federal Credit Union 4.25% $25,000 initial rvw: 06/03/09
First New England Federal Credit Union* 3.65% $15,000 updated rvw: 05/17/09
Savings Institute Bank & Trust 3.00% $50,000 updated rvw: 03/05/09
Mutual Security Credit Union 2.75% $25,000 updated rvw: 06/27/09
Delaware
Artisans' Bank 4.01% $25,000 updated rvw: 03/18/09
Addison Avenue FCU* 3.51% $25,000 updated rvw: 05/03/09
Malvern Federal Savings Bank 3.50% $35,000 updated rvw: 06/12/09
Florida
Progress Bank 5.05% $25,000 initial rvw: 10/05/08
Florida Central Credit Union 5.01% $25,000 updated rvw: 04/05/09
Florida Bank of Commerce 4.32% $50,000 initial rvw: 02/05/09
Dade County Federal Credit Union 4.10% $25,000 updated rvw: 06/07/09
TriStone Community Bank 4.05% $25,000 updated rvw: 11/14/08
Montgomery Bank 4.01% $25,000 initial rvw: 04/07/08
Tampa Bay FCU 4.01% $30,000 initial rvw: 03/30/09
Panther Community Bank 4.01% $50,000 initial rvw: 04/16/09
Liberty Savings Bank* 4.01% $25,000 initial rvw: 04/27/09
Patriot Bank* 4.01% $50,000 initial rvw: 05/08/09
First Bank 4.01% $25,000 initial rvw: 06/17/09
Bancorp South 4.00% $30,000 updated rvw: 05/13/08
FirstAtlantic Bank 4.00% $30,000 updated rvw: 03/07/09
Chartway FCU 3.84% $20,000 initial rvw: 07/28/08
First East Side Savings Bank 3.51% $25,000 updated rvw: 06/07/09
First City Bank* 3.51% $50,000 initial rvw: 02/25/09
M&F Bank 3.50% $25,000 updated rvw: 05/31/09
Atlantic Coast Bank* 3.50% $25,000 updated rvw: 06/27/09
Eastern Financial Florida Credit Union 3.05% $25,000 updated rvw: 06/01/09
Premier Bank 3.01% $50,000 updated rvw: 05/03/09
Power Financial Credit Union 3.01% $25,000 updated rvw: 04/11/09
Insight Financial Credit Union 2.75% $25,000 updated rvw: 05/03/09
First Federal 2.51% $25,000 updated rvw: 05/17/09
First Commercial Bank of Florida 2.25% No Cap updated rvw: 01/11/09
Tyndall Federal Credit Union 2.25% $50,000 updated rvw: 05/31/09
Georgia
The Bank of Georgia 5.25% $25,000 initial rvw: 01/25/09
Greater Rome Bank 5.15% $25,000 initial rvw: 04/20/09
Bartow County Bank 5.01% $25,000 initial rvw: 10/19/08
Community Bank of Pickens County 5.01% $25,000 initial rvw: 11/17/08
Bank of Newington 5.01% $25,000 initial rvw: 03/02/09
Brookhaven Bank 4.50% $50,000 initial rvw: 03/06/09
Touchmark National Bank 4.18% $50,000 updated rvw: 11/23/08
TriStone Community Bank 4.05% $25,000 updated rvw: 11/14/08
United National Bank 4.01% $25,000 updated rvw: 04/02/09
Peoples Bank 4.01% $25,000 updated rvw: 03/02/09
Douglas National Bank 4.01% $35,000 updated rvw: 04/04/09
Gwinnett Community Bank 4.01% $25,000 initial rvw: 03/29/09
The Farmers Bank 4.01% $25,000 initial rvw: 05/11/09
FirstAtlantic Bank 4.00% $30,000 updated rvw: 03/07/09
Buckhead Community Bank 4.00% $100,000 updated rvw: 02/02/09
Addison Avenue FCU* 3.51% $25,000 updated rvw: 05/03/09
Atlantic Coast Bank* 3.50% $25,000 updated rvw: 06/27/09
Rossville Bank 3.33% $25,000 updated rvw: 11/22/08
Bank of Upson 3.05% $25,000 updated rvw: 05/10/09
First Chatham Bank 3.01% $50,000 updated rvw: 03/28/09
Bank of Hiawassee 2.61% $100,000 updated rvw: 04/11/09
First Federal 2.51% $25,000 updated rvw: 05/17/09
Cornerstone Bank 2.50% $50,000 updated rvw: 01/19/09
Hawaii
Aloha Pacific Federal Credit Union 5.00% $50,000 initial rvw: 03/04/08
Hawaii USA FCU 4.00% $25,000 updated rvw: 03/04/09
Central Pacific Bank 3.00% $25,000 updated rvw: 06/07/09
Idaho
Numerica Credit Union 4.51% $25,000 updated rvw: 03/04/09
Capital Educators FCU 4.08% $25,000 updated rvw: 05/10/09
Bank of Idaho 4.01% $25,000 updated rvw: 05/10/09
First Federal Savings Bank 4.01% $25,000 updated rvw: 06/22/09
Addison Avenue FCU* 3.51% $25,000 updated rvw: 05/03/09
Global Credit Union 3.00% $10,000 updated rvw: 06/22/09
Illinois
Members Choice Community Credit Union 5.51% $25,000 initial rvw: 04/05/09
First Clover Leaf Bank 5.25% $25,000 updated rvw: 03/07/09
Southeast National Bank 5.01% $25,000 updated rvw: 03/28/09
R.I.A. Federal Credit Union 5.01% $25,000 initial rvw: 04/06/09
Peotone Bank and Trust Co. 4.61% $50,000 initial rvw: 06/18/09
First Robinson Savings Bank N.A. 4.51% $25,000 updated rvw: 05/25/09
Liberty Bank* 4.25% $25,000 updated rvw: 04/25/09
Founders Bank 4.19% $50,000 initial rvw: 04/03/09
Rock River Bank 4.19% $50,000 initial rvw: 06/12/09
Devon Bank 4.15% $20,000 initial rvw: 04/26/09
Peoples State Bank 4.10% $20,000 updated rvw: 01/02/09
Crossroads Bank 4.10% $30,000 updated rvw: 06/07/09
Consumers Credit Union* 4.09% $25,000 updated rvw: 01/12/09
State Bank of Countryside 4.08% $25,000 updated rvw: 04/28/09
Scott Credit Union 4.05% $25,000 updated rvw: 02/04/09
Blackhawk Bank 4.01% $25,000 updated rvw: 12/23/08
Riverside Community Bank 4.01% $20,000 updated rvw: 04/04/09
First Community Credit Union 4.01% $25,000 updated rvw: 06/22/09
First Community Bank 4.01% $20,000 updated rvw: 04/04/09
Legence Bank 4.01% $25,000 updated rvw: 02/10/09
Galena State Bank & Trust 4.01% $20,000 updated rvw: 04/02/09
Advantage National Bank 4.01% $25,000 updated rvw: 02/22/09
State Bank of The Lakes 4.01% $25,000 initial rvw: 01/08/09
IH Mississippi Valley CU 4.01% $25,000 updated rvw: 06/07/09
Peoples Bank of Kankakee Count* 4.01% $50,000 initial rvw: 04/28/09
Bank of Illinois 4.00% $25,000 updated rvw: 04/11/09
Heritage Credit Union 3.75% $25,000 updated rvw: 05/17/09
MidWest America Federal Credit Union 3.51% $25,000 updated rvw: 03/31/09
Heartland Credit Union 3.50% $25,000 updated rvw: 04/11/09
Baxter Credit Union 3.50% $25,000 updated rvw: 04/04/09
The Bank of Marion 3.05% $75,000 initial rvw: 05/26/09
Valley Community Bank 3.01% $100,000 updated rvw: 03/23/09
Lee County Bank & Trust, N.A. 3.01% $25,000 updated rvw: 01/09/09
Indiana
Financial Center FCU 4.51% $25,000 initial rvw: 06/16/08
Three Rivers Federal Credit Union 4.25% $25,000 updated rvw: 05/03/09
Lake City Bank 4.01% $25,000 updated rvw: 01/02/09
Sutton Bank 4.01% $25,000 updated rvw: 01/02/09
Legence Bank 4.01% $25,000 updated rvw: 02/10/09
Public Service Credit Union 4.01% $40,000 updated rvw: 06/14/09
Jefferson County FCU 4.00% $25,000 updated rvw: 04/11/09
FORUM Credit Union 3.75% $25,000 updated rvw: 06/07/09
Farmers & Merchants State Bank 3.56% $25,000 updated rvw: 05/31/09
MidWest America Federal Credit Union 3.51% $25,000 updated rvw: 03/31/09
Iowa
Members Choice Community Credit Union 5.51% $25,000 initial rvw: 04/05/09
Southeast National Bank 5.01% $25,000 updated rvw: 03/28/09
R.I.A. Federal Credit Union 5.01% $25,000 initial rvw: 04/06/09
Linn Area Credit Union 5.00% $25,000 initial rvw: 05/15/08
University of Iowa Community CU 4.25% $25,000 updated rvw: 06/07/09
Bank Iowa, Altoona 4.25% $25,000 updated rvw: 06/17/09
Bank Iowa, Oskaloosa 4.25% $25,000 updated rvw: 03/10/09
Eastwood Bank 4.01% $25,000 updated rvw: 11/28/08
Gateway State Bank 4.01% $25,000 updated rvw: 01/21/09
Dubuque Bank & Trust 4.01% $20,000 updated rvw: 04/04/09
First Iowa State Bank 4.01% $25,000 updated rvw: 01/02/09
First Community Bank 4.01% $20,000 updated rvw: 04/04/09
IH Mississippi Valley CU 4.01% $25,000 updated rvw: 06/07/09
First Bank 4.01% $25,000 updated rvw: 05/31/09
MidWestOne Bank 4.00% $25,000 updated rvw: 05/25/09
West Bank 4.00% $50,000 updated rvw: 04/23/09
Heartland Credit Union 3.50% $25,000 updated rvw: 04/11/09
State Bank of Toledo* 3.01% $70,000 updated rvw: 10/15/08
Lee County Bank & Trust, N.A. 3.01% $25,000 updated rvw: 01/09/09
Kansas
Golden Plains Credit Union 6.01% $25,000 updated rvw: 11/13/08
First National Bank of Olathe 5.09% $25,000 initial rvw: 04/01/09
First State Bank 5.03% $25,000 updated rvw: 05/20/09
Bank of Blue Valley 5.01% $25,000 updated rvw: 05/25/09
Union State Bank 5.01% $25,000 updated rvw: 06/11/09
Community National Bank 5.01% $25,000 initial rvw: 05/17/09
Liberty Bank 5.00% $30,000 updated rvw: 11/23/08
Valley View Financial Group 5.00% $25,000 initial rvw: 07/27/08
Metcalf Bank 5.00% $25,000 initial rvw: 09/07/08
Kansas State Bank 4.55% $25,000 updated rvw: 03/07/09
Vision Bank 3.51% $100,000 updated rvw: 01/02/09
Verus Bank 3.51% $25,000 updated rvw: 03/04/09
First National Bank 3.00% $25,000 updated rvw: 06/27/09
Emprise Bank 2.60% $25,000 updated rvw: 12/31/08
Solutions Bank 1.75% $50,000 updated rvw: 06/14/09
Kentucky
Franklin Bank & Trust Company 5.00% $25,000 initial rvw: 01/26/09
Commonwealth Bank & Trust Company 4.50% $25,000 updated rvw: 01/17/09
Sutton Bank 4.01% $25,000 updated rvw: 01/02/09
Jefferson County FCU 4.00% $25,000 updated rvw: 04/11/09
MidWest America Federal Credit Union 3.51% $25,000 updated rvw: 03/31/09
Louisiana
Pelican State Credit Union 5.25% $30,000 initial rvw: 07/24/08
Gulf Coast Bank & Trust Co. 4.51% $25,000 updated rvw: 03/13/09
LA DOTD Federal Credit Union 4.50% $25,000 updated rvw: 06/14/09
Campus Federal 4.25% $25,000 updated rvw: 02/10/09
Ouachita Independent Bank* 4.01% $25,000 updated rvw: 12/06/08
Union Bank 4.01% $25,000 updated rvw: 01/06/09
Coastal Commerce Bank 4.01% $35,000 updated rvw: 01/02/09
St. Martin Bank & Trust Company 4.01% $25,000 updated rvw: 12/30/08
Community Bank 4.01% $35,000 initial rvw: 05/26/09
Bancorp South 4.00% $30,000 updated rvw: 05/13/08
Jeff Davis Bank* 3.82% $25,000 updated rvw: 04/11/09
Maine
Ocean Communities FCU 5.01% $25,000 initial rvw: 12/05/08
Butler Bank 3.50% $40,000 updated rvw: 04/07/09
Kennebec Federal Savings 3.15% $50,000 updated rvw: 05/31/09
Maryland
NBRS Financial Bank 4.26% $25,000 updated rvw: 06/27/09
Easton Bank and Trust 4.01% $25,000 updated rvw: 01/21/09
Baltimore County Savings Bank 4.00% $25,000 initial rvw: 06/15/09
Malvern Federal Savings Bank 3.50% $35,000 updated rvw: 06/12/09
Orrstown Bank 3.05% $25,000 updated rvw: 06/14/09
Massachusetts
Adams Co-Operative Bank 5.00% $25,000 initial rvw: 11/18/08
The Community Bank 4.51% $25,000 updated rvw: 03/17/09
Bank Gloucester 4.51% $25,000 initial rvw: 12/22/08
South Shore Savings Bank 4.44% $25,000 initial rvw: 01/21/09
Monadnock Community Bank 4.25% $25,000 updated rvw: 05/17/09
UMassFive College FCU 4.09% $25,000 updated rvw: 05/10/09
Navigant Credit Union 4.05% $25,000 initial rvw: 03/15/09
Danvers Bank* 4.01% $25,000 updated rvw: 04/01/08
Leominster Credit Union 4.01% $25,000 updated rvw: 06/14/09
Members First Credit Union 4.01% $25,000 initial rvw: 06/26/09
Rockland FCU 4.00% $50,000 initial rvw: 01/30/09
BankNewport 3.55% $50,000 updated rvw: 06/07/09
Dedham Savings 3.51% $25,000 updated rvw: 06/22/09
Addison Avenue FCU* 3.51% $25,000 updated rvw: 05/03/09
Butler Bank 3.50% $40,000 updated rvw: 04/07/09
Southbridge Savings Bank 3.25% $50,000 updated rvw: 03/28/09
Clinton Savings Bank 3.01% $50,000 updated rvw: 04/18/09
Rollstone Bank and Trust 3.01% $50,000 updated rvw: 04/18/09
Haverhill Bank 3.01% $50,000 updated rvw: 03/28/09
M/A-COM Federal Credit Union 3.00% $10,000 updated rvw: 01/02/09
Workers Credit Union 3.00% $25,000 updated rvw: 04/02/09
North Middlesex Savings Bank 2.28% $50,000 updated rvw: 06/27/09
Florence Savings Bank 2.17% $100,000 updated rvw: 04/18/09
Institution for Savings 1.50% $50,000 updated rvw: 06/27/09
Michigan
United FCU 6.01% $25,000 updated rvw: 10/28/08
United Financial Credit Union 5.00% $25,000 updated rvw: 03/31/08
Lapeer County & Trust Co. 4.51% $50,000 initial rvw: 05/03/09
Sutton Bank 4.01% $25,000 updated rvw: 01/02/09
Lake Michigan Credit Union* 4.00% $15,000 updated rvw: 05/03/09
NuUnion Credit Union 3.59% $25,000 updated rvw: 01/07/09
ELGA Credit Union 3.56% $100,000 updated rvw: 02/06/09
Monroe Bank & Trust 3.01% $25,000 updated rvw: 02/06/09
Minnesota
Endura Financial FCU 4.50% $25,000 initial rvw: 12/19/08
Crow River Bank 4.12% $25,000 updated rvw: 01/17/09
Olmsted National Bank 4.11% $25,000 updated rvw: 05/25/09
First National Bank of Elk River 4.05% $50,000 initial rvw: 02/20/09
First National Community Bank 4.02% $25,000 updated rvw: 06/07/09
Eastwood Bank 4.01% $25,000 updated rvw: 11/28/08
Citizens Bank Minnesota 4.01% $25,000 updated rvw: 01/07/09
Altra Federal Credit Union 4.00% $25,000 updated rvw: 05/03/09
US Federal Credit Union 3.80% $25,000 initial rvw: 11/02/08
City-County Federal CU 3.27% $25,000 updated rvw: 05/03/09
First National Bank of Henning 3.01% $25,000 updated rvw: 02/22/09
Beacon Bank 3.01% $25,000 updated rvw: 06/22/09
Heritage Bank* 2.24% No Cap updated rvw: 06/22/09
Mississippi
United Mississippi Bank 5.13% $25,000 initial rvw: 06/08/09
Central Sunbelt FCU 4.50% $25,000 updated rvw: 03/05/09
CB&S Bank 4.41% $25,000 updated rvw: 03/27/08
Bancorp South 4.00% $30,000 updated rvw: 05/13/08
Renasant Bank 3.51% $25,000 updated rvw: 06/27/09
M&F Bank 3.50% $25,000 updated rvw: 05/31/09
BankFirst Financial Services 3.50% $50,000 updated rvw: 03/01/09
Community Bank 3.25% $30,000 updated rvw: 01/26/09
Missouri
First State Bank 5.03% $25,000 updated rvw: 05/20/09
Union State Bank 5.01% $25,000 updated rvw: 06/11/09
Southern Bank 5.01% $25,000 updated rvw: 05/10/09
1st Financial FCU 5.01% $25,000 initial rvw: 03/24/09
Pony Express Bank 5.01% $25,000 initial rvw: 04/08/09
Liberty Bank 5.00% $30,000 updated rvw: 11/23/08
Valley View Financial Group 5.00% $25,000 initial rvw: 07/27/08
Metcalf Bank 5.00% $25,000 initial rvw: 09/07/08
Neighbors Credit Union 5.00% $25,000 initial rvw: 12/26/08
Guaranty Bank 5.00% $30,000 initial rvw: 03/23/09
Heritage State Bank 4.51% $25,000 updated rvw: 05/24/08
Focus Bank 4.51% $25,000 updated rvw: 06/13/09
Endura Financial FCU 4.50% $25,000 initial rvw: 12/19/08
Royal Banks of Missouri* 4.30% $25,000 updated rvw: 05/10/09
RCSBank 4.07% $25,000 updated rvw: 02/28/09
Montgomery Bank 4.01% $25,000 initial rvw: 04/07/08
First Community Credit Union 4.01% $25,000 updated rvw: 06/22/09
Wood and Huston Bank 4.00% $25,000 updated rvw: 05/17/09
Bancorp South 4.00% $30,000 updated rvw: 05/13/08
Concordia Bank 3.51% $25,000 updated rvw: 12/31/08
Lee County Bank & Trust, N.A. 3.01% $25,000 updated rvw: 01/09/09
Community Bank of Raymore* 3.01% $25,000 updated rvw: 03/31/09
Community Bank of Pleasant Hill* 3.01% $25,000 updated rvw: 04/01/09
Champion Bank* 2.25% $25,000 updated rvw: 05/17/09
Solutions Bank 1.75% $50,000 updated rvw: 06/14/09
Montana
Bank of Idaho 4.01% $25,000 updated rvw: 05/10/09
Rocky Mountain Bank 4.01% $20,000 updated rvw: 03/31/09
Treasure State Bank 4.01% $50,000 initial rvw: 04/26/09
Nebraska
American National Bank 5.00% $25,000 initial rvw: 02/24/09
First State Bank & Trust Company 5.00% $30,000 initial rvw: 03/17/09
ACCESSbank 4.14% $25,000 initial rvw: 06/12/09
Mutual First Federal Credit Union 4.01% $25,000 initial rvw: 06/24/09
Nevada
Greater Nevada Credit Union 2.00% $50,000 updated rvw: 05/17/09
Clearstar Financial Credit Union 1.25% $50,000 updated rvw: 06/07/09
New Hampshire
Monadnock Community Bank 4.25% $25,000 updated rvw: 05/17/09
First Colebrook Bank 4.15% $30,000 updated rvw: 05/17/09
Members First Credit Union 4.01% $25,000 initial rvw: 06/26/09
Workers Credit Union 3.00% $25,000 updated rvw: 04/02/09
Passumpsic Savings Bank 2.55% $25,000 updated rvw: 04/18/09
New Jersey
Raritan Bay FCU 5.01% $25,000 initial rvw: 03/01/09
Atlantic Stewardship Bank 4.25% $25,000 initial rvw: 04/15/09
Heritage Community Bank 4.01% $25,000 updated rvw: 01/30/09
The Provident Bank 4.01% $25,000 updated rvw: 05/03/09
Grand Bank, N.A. 4.01% $25,000 initial rvw: 04/20/09
Malvern Federal Savings Bank 3.50% $35,000 updated rvw: 06/12/09
Pinnacle FCU 3.30% $30,000 updated rvw: 06/07/09
New Mexico
State Employees Credit Union 4.25% $35,000 updated rvw: 04/01/09
Charter Bank* 4.01% $25,000 updated rvw: 04/01/09
New Mexico Bank & Trust 4.01% $20,000 updated rvw: 03/31/09
City Bank New Mexico 3.56% No Cap updated rvw: 01/07/09
New York
Tioga State Bank 4.00% $25,000 updated rvw: 05/17/09
Nassau Educators FCU 4.00% $25,000 initial rvw: 12/24/08
Northern Federal Credit Union 3.51% $25,000 updated rvw: 04/04/09
Malvern Federal Savings Bank 3.50% $35,000 updated rvw: 06/12/09
Eastern New York FCU 3.04% $25,000 updated rvw: 03/07/09
North Carolina
United FCU 6.01% $25,000 updated rvw: 10/28/08
Mountain Credit Union 5.15% $25,000 initial rvw: 05/22/09
Bank of Asheville 5.05% $25,000 initial rvw: 03/01/09
Carolinas Telco FCU 5.01% $25,000 initial rvw: 12/29/08
Crescent State Bank 5.01% $25,000 initial rvw: 01/21/09
Asheville Savings Bank 5.00% $25,000 updated rvw: 04/09/08
North Carolina Bank and Trust 4.25% $25,000 initial rvw: 04/10/09
TriStone Community Bank 4.05% $25,000 updated rvw: 11/14/08
Capital Bank* 4.01% $25,000 updated rvw: 11/02/08
CommunityOne Bank 4.01% $25,000 updated rvw: 12/10/08
Southern Community Bank & Trust* 4.00% $25,000 updated rvw: 11/01/08
Bank of the Carolinas 4.00% $25,000 updated rvw: 06/27/09
Blueharbor Bank 4.00% $30,000 updated rvw: 12/30/08
Bank of Granite 4.00% $25,000 updated rvw: 12/26/08
Chartway FCU 3.84% $20,000 initial rvw: 07/28/08
Allegacy Federal Credit Union 3.75% $25,000 updated rvw: 05/25/09
Coastal Federal Credit Union 3.01% $50,000 updated rvw: 06/22/09
First Federal 2.51% $25,000 updated rvw: 05/17/09
North Dakota
United FCU 6.01% $25,000 updated rvw: 10/28/08
CornerStone Bank* 3.60% $50,000 updated rvw: 03/11/09
Ohio
United FCU 6.01% $25,000 updated rvw: 10/28/08
River Valley Credit Union 4.50% $25,000 initial rvw: 06/07/09
Three Rivers Federal Credit Union 4.25% $25,000 updated rvw: 05/03/09
Sutton Bank 4.01% $25,000 updated rvw: 01/02/09
The Citizens Bank of Ashville 4.01% $25,000 updated rvw: 05/25/09
Liberty Savings Bank* 4.01% $25,000 initial rvw: 04/27/09
FirstDay FCU 4.00% $25,000 initial rvw: 04/30/09
Chartway FCU 3.84% $20,000 initial rvw: 07/28/08
Farmers & Merchants State Bank 3.56% $25,000 updated rvw: 05/31/09
CINCO Credit Union 3.56% $25,000 updated rvw: 05/17/09
Malvern Federal Savings Bank 3.50% $35,000 updated rvw: 06/12/09
Oklahoma
United FCU 6.01% $25,000 updated rvw: 10/28/08
Allegiance Credit Union 5.01% $35,000 initial rvw: 02/09/09
Bank2 5.01% $25,000 updated rvw: 05/07/09
Liberty Bank 5.00% $30,000 updated rvw: 11/23/08
FAA Credit Union 4.77% $30,000 updated rvw: 03/20/09
Communications FCU 4.25% $50,000 updated rvw: 02/28/09
RCB Bank 4.10% $25,000 updated rvw: 12/30/08
Evantage Bank* 4.00% $10,000 updated rvw: 04/22/09
Bank of the Wichitas* 4.00% $10,000 updated rvw: 04/22/09
AmericaNet Bank* 4.00% $10,000 updated rvw: 04/22/09
Coppermark Bank 4.00% $25,000 initial rvw: 04/09/09
First National Bank 3.50% $25,000 updated rvw: 03/13/09
F&M Bank 3.01% $25,000 updated rvw: 01/12/09
Legacy Bank 3.00% $50,000 updated rvw: 10/30/08
Oregon
Columbia River Bank 4.01% $25,000 initial rvw: 04/19/09
Willamette Community Bank 4.01% $35,000 initial rvw: 05/17/09
Addison Avenue FCU* 3.51% $25,000 updated rvw: 05/03/09
St. Helens Community FCU 3.50% $25,000 updated rvw: 05/03/09
Oregon Community Credit Union 3.01% $100,000 updated rvw: 05/17/09
Rivermark Community Credit Union 3.00% $25,000 updated rvw: 03/01/09
Advantis Credit Union 3.00% $30,000 updated rvw: 05/03/09
Pacific Crest FCU 3.00% $25,000 updated rvw: 04/04/09
Central Willamette Community CU 3.00% $25,000 updated rvw: 05/03/09
Pennsylvania
Erie General Electric FCU 5.11% $25,000 updated rvw: 05/14/09
Hyperion Bank 5.01% $30,000 updated rvw: 05/17/09
First National Community Bank* 4.51% $25,000 initial rvw: 03/05/09
NBRS Financial Bank 4.26% $25,000 updated rvw: 06/27/09
Erie Federal Credit Union 4.07% $25,000 updated rvw: 05/03/09
Community Bank 4.00% $25,000 initial rvw: 03/13/09
Union National Community Bank 3.51% $20,000 initial rvw: 06/08/09
DNB First Bank 3.50% $35,000 updated rvw: 12/30/08
Malvern Federal Savings Bank 3.50% $35,000 updated rvw: 06/12/09
Orrstown Bank 3.05% $25,000 updated rvw: 06/14/09
Reliance Bank 3.00% $50,000 updated rvw: 04/18/09
Allegiance Bank 2.75% $250,000 updated rvw: 05/03/09
Rhode Island
The Community Bank 4.51% $25,000 updated rvw: 03/17/09
Navigant Credit Union 4.05% $25,000 initial rvw: 03/15/09
People's Credit Union 4.00% $50,000 updated rvw: 03/05/09
Chartway FCU 3.84% $20,000 initial rvw: 07/28/08
BankNewport 3.55% $50,000 updated rvw: 06/07/09
NewportFed 3.10% $50,000 updated rvw: 05/31/09
South Carolina
Carolinas Telco FCU 5.01% $25,000 initial rvw: 12/29/08
Countybank* 4.75% $25,000 initial rvw: 05/04/09
Provident Community Bank 4.51% $50,000 updated rvw: 02/22/09
TriStone Community Bank 4.05% $25,000 updated rvw: 11/14/08
Southcoast Community Bank 4.01% $50,000 initial rvw: 02/27/09
Liberty Savings Bank* 4.01% $25,000 initial rvw: 04/27/09
Coastal Federal Credit Union 3.01% $50,000 updated rvw: 06/22/09
Greer State Bank 3.00% $25,000 updated rvw: 02/09/09
First Federal 2.51% $25,000 updated rvw: 05/17/09
Bank of Anderson 2.50% $25,000 updated rvw: 06/14/09
South Dakota
Reliabank Dakota 4.07% $25,000 initial rvw: 01/22/09
Tennessee
Bank of Putnam County 5.26% $50,000 updated rvw: 04/15/08
Andrew Johnson Bank 4.75% $25,000 initial rvw: 05/19/09
Community National Bank 4.51% $25,000 initial rvw: 06/02/09
CB&S Bank 4.41% $25,000 updated rvw: 03/27/08
Bank of Ripley 4.26% $25,000 updated rvw: 04/01/09
FirstBank 4.07% $25,000 updated rvw: 03/31/08
TriStone Community Bank 4.05% $25,000 updated rvw: 11/14/08
Reliant Bank 4.01% $50,000 updated rvw: 04/11/09
Altra Federal Credit Union 4.00% $25,000 updated rvw: 05/03/09
Bancorp South 4.00% $30,000 updated rvw: 05/13/08
Peoples Bank 3.91% $25,000 updated rvw: 01/12/09
Renasant Bank 3.51% $25,000 updated rvw: 06/27/09
M&F Bank 3.50% $25,000 updated rvw: 05/31/09
First Federal Savings Bank 3.50% $50,000 initial rvw: 06/22/09
Community Bank 3.25% $30,000 updated rvw: 01/26/09
Wilson Bank and Trust 3.04% $50,000 updated rvw: 01/30/09
Memphis Area Teacher's CU 2.02% $25,000 updated rvw: 06/14/09
Texas
Rio Bank 5.51% $25,000 initial rvw: 06/25/08
Legend Bank 5.13% $25,000 initial rvw: 05/11/08
Grand Bank of Texas 5.02% $25,000 initial rvw: 08/24/08
Incommons Bank 5.01% $25,000 initial rvw: 06/12/09
Texas Citizens Bank 4.76% $25,000 updated rvw: 01/12/09
Northstar Bank of Texas 4.51% $50,000 initial rvw: 03/01/09
First-Lockhart National Bank 4.51% $25,000 initial rvw: 04/16/09
Alliance Bank 4.50% $25,000 updated rvw: 06/07/09
Texans Credit Union 4.25% $25,000 initial rvw: 02/04/09
United Heritage Credit Union 4.01% $25,000 updated rvw: 04/08/09
Opportunity Bank, N.A. 4.01% $25,000 updated rvw: 02/04/09
MCT Credit Union 4.01% $25,000 updated rvw: 04/18/09
Orange Savings Bank 4.01% $35,000 updated rvw: 12/07/08
Independent Bank 4.01% $25,000 updated rvw: 01/02/09
Chemcel FCU 4.01% $25,000 updated rvw: 04/18/09
Classic Bank 4.01% $25,000 updated rvw: 01/12/09
Westbound Bank 4.01% $25,000 initial rvw: 05/10/09
Altra Federal Credit Union 4.00% $25,000 updated rvw: 05/03/09
Bancorp South 4.00% $30,000 updated rvw: 05/13/08
ViewPoint Bank* 4.00% $50,000 initial rvw: 05/22/08
Coppermark Bank 4.00% $25,000 initial rvw: 04/09/09
Chartway FCU 3.84% $20,000 initial rvw: 07/28/08
Beacon FCU 3.78% $30,000 updated rvw: 05/17/09
City Bank 3.56% No Cap updated rvw: 10/21/08
United SA Federal Credit Union 3.51% $25,000 updated rvw: 01/02/09
Addison Avenue FCU* 3.51% $25,000 updated rvw: 05/03/09
Libertad Bank* 3.50% $25,000 updated rvw: 02/01/09
City National Bank* 3.28% No Cap initial rvw: 05/26/09
Vintage Bank 3.25% No Cap updated rvw: 02/26/09
Members Choice Credit Union 3.01% $25,000 updated rvw: 12/30/08
State National Bank of Texas 3.01% $100,000 updated rvw: 04/24/09
Community Resource Credit Union 3.01% $25,000 updated rvw: 06/07/09
Members CU 3.01% $25,000 updated rvw: 03/20/09
San Antonio Federal Credit Union 3.00% $25,000 updated rvw: 04/18/09
Tradition Bank 2.75% $25,000 updated rvw: 01/05/09
Falcon International Bank 2.75% No Cap updated rvw: 05/17/09
National 1st Credit Union 2.51% $50,000 updated rvw: 05/31/09
Texas Bay Area CU 2.50% $25,000 updated rvw: 06/07/09
West Texas National Bank* 2.01% $25,000 updated rvw: 01/09/09
Solutions Bank 1.75% $50,000 updated rvw: 06/14/09
Utah
Bank of Idaho 4.01% $25,000 updated rvw: 05/10/09
Utah Central Credit Union 4.00% No Cap initial rvw: 05/08/08
Bank of American Fork 3.60% $25,000 updated rvw: 02/22/09
State Bank of Southern Utah 3.04% $50,000 updated rvw: 06/07/09
Deseret First Credit Union 3.01% $25,000 updated rvw: 03/31/09
CBDirect Bank* 3.00% No Cap updated rvw: 02/01/09
Vermont
The Brattleboro Savings & Loan 3.51% $100,000 updated rvw: 01/30/09
Vermont Federal Credit Union 3.01% $25,000 updated rvw: 03/07/09
Passumpsic Savings Bank 2.55% $25,000 updated rvw: 04/18/09
Virginia
The Page Valley Bank 5.01% $25,000 updated rvw: 01/26/09
Valley Bank 5.01% $25,000 updated rvw: 04/18/09
TriStone Community Bank 4.05% $25,000 updated rvw: 11/14/08
Farmers & Merchants Bank* 4.01% $50,000 updated rvw: 05/17/09
Belvoir FCU 4.01% $50,000 updated rvw: 02/01/09
Benchmark Community Bank 4.01% $25,000 initial rvw: 06/22/09
Chartway FCU 3.84% $20,000 initial rvw: 07/28/08
First National Bank of Altavista 3.80% $50,000 updated rvw: 05/03/09
Central Virginia Bank 3.21% $35,000 updated rvw: 04/11/09
Coastal Federal Credit Union 3.01% $50,000 updated rvw: 06/22/09
EVB Bank 3.01% $25,000 updated rvw: 06/27/09
New Generations FCU 2.75% $50,000 updated rvw: 05/03/09
Washington
Numerica Credit Union 4.51% $25,000 updated rvw: 03/04/09
Catholic Credit Union 4.11% $35,000 initial rvw: 01/18/09
NorthWest Plus Credit Union 4.01% $50,000 updated rvw: 02/09/09
The Bank of the Pacific 4.01% $25,000 updated rvw: 11/03/08
Timberland Bank 4.01% $25,000 initial rvw: 01/28/09
Columbia River Bank 4.01% $25,000 initial rvw: 04/19/09
Coastal Bank 4.01% $25,000 initial rvw: 05/19/09
People's Community FCU 4.00% $50,000 initial rvw: 02/23/09
Addison Avenue FCU* 3.51% $25,000 updated rvw: 05/03/09
Verity Credit Union 3.05% $10,000 updated rvw: 05/10/09
Gesa Credit Union 3.01% $10,000 updated rvw: 04/11/09
TwinStar Credit Union 3.00% $30,000 updated rvw: 05/03/09
iQ Credit Union 3.00% $25,000 updated rvw: 05/03/09
Global Credit Union 3.00% $10,000 updated rvw: 06/22/09
Washington DC
Department of Labor FCU 3.76% $50,000 initial rvw: 04/22/09
West Virginia
Fairmont FCU 5.01% $25,000 initial rvw: 02/12/09
Williamstown Bank 4.26% $50,000 updated rvw: 04/16/08
Sutton Bank 4.01% $25,000 updated rvw: 01/02/09
Malvern Federal Savings Bank 3.50% $35,000 updated rvw: 06/12/09
Wisconsin
First Banking Center 5.01% $25,000 updated rvw: 02/09/09
First National Bank of Berlin 5.01% $25,000 initial rvw: 02/05/09
R.I.A. Federal Credit Union 5.01% $25,000 initial rvw: 04/06/09
Connexus Credit Union* 4.15% $25,000 updated rvw: 05/01/09
Coulee Bank* 4.04% $25,000 updated rvw: 06/15/09
First National Community Bank 4.02% $25,000 updated rvw: 06/07/09
Blackhawk Bank 4.01% $25,000 updated rvw: 12/23/08
Eastwood Bank 4.01% $25,000 updated rvw: 11/28/08
Wisconsin Community Bank 4.01% $20,000 updated rvw: 03/29/09
People's State Bank 4.01% $25,000 updated rvw: 12/30/08
Altra Federal Credit Union 4.00% $25,000 updated rvw: 05/03/09
Westbury Bank 3.75% $25,000 updated rvw: 05/31/09
Harbor Credit Union 3.75% $25,000 updated rvw: 06/14/09
Heritage Credit Union 3.75% $25,000 updated rvw: 05/17/09
State Bank of Cross Plains 3.51% $25,000 updated rvw: 03/20/09
Community State Bank 3.51% $25,000 updated rvw: 06/27/09
Heartland Credit Union 3.50% $25,000 updated rvw: 04/11/09
Baxter Credit Union 3.50% $25,000 updated rvw: 04/04/09
Prime Financial Credit Union 1.51% $25,000 updated rvw: 06/14/09
Wyoming
Warren FCU 5.01% $25,000 initial rvw: 01/14/09
Bank of Idaho 4.01% $25,000 updated rvw: 05/10/09
 
Notes:
* Checking account available nationwide
Reward Checking Account Statistics

Total number of accounts: 412
  • Average yield: 3.89% APY
  • Average balance cap: $36,335

Balance cap distribution:
  • 10 - over $100,000
  • 9 - at $100,000
  • 2 - between $50,000 and $100,000
  • 64 - at $50,000
  • 34 - between $25,000 and $50,000
  • 270 - at $25,000
  • 23 - under $25,000

Number accounts first reported in 2006: 3
  • Average yield: 4.07% APY
  • Average balance cap: $25,000
Number accounts first reported in 2007: 83
  • Average yield: 3.57% APY
  • Average balance cap: $38,554
Number accounts first reported in 2008: 208
  • Average yield: 3.87% APY
  • Average balance cap: $35,288
Number accounts first reported in 2009: 118
  • Average yield: 4.15% APY
  • Average balance cap: $36,907


Number of credit unions: 131, Number of banks: 281

  • Average yield for banks: 3.92% APY
  • Average balance cap: $38,790

  • Average yield for credit unions: 3.83% APY
  • Average balance cap: $31,069


Note, average balance caps are calculated using a cap of $250,000 for accounts with no balance caps.

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