I once had an opponent say "Check yo king, mother#$%^&"
Is it rude to announce "Check" in OTB chess?

Are you asking for yourself or a child? Think I've kind of given away my answer by my question... IMHO

It's considered unnecessary, unless your opponent tries to make an illegal move while he is in check.

From "Rules of Chess" on Wiki:
In informal games, it is customary to announce "check" when making a move that puts the opponent's king in check. However, in formal competitions check is rarely announced (Just 2014).

A friend of mine, long ago, in a chess club, said that to announce check is not polite OTB, as it assumes that the opponent maybe not realize it is a check. But if he/she makes the illegal move while in check, so it is ok to point it.

Verbally announcing check is often viewed as a distraction to the other player more than anything else.
Anybody that knows how to play chess should easily be able to identify that they are in check. Some may even see it as an insult to announce check.
And especially if you have a bunch of forced checking moves, some may even report to the director that they've asked you to quit announcing and wouldn't. It could be a time penalty in some cases, typically 2 minutes added to the opponent's clock, but it could be a dock on your clock.
I specifically tell my opponents that announce to quit announcing or I'll get the director.
If you can't even identify that you are in check, you should take up Tic-Tac-Toe. Harder to miss the direct one-move threats there!
Also, when you play over the board, how would a player know to put "Qxd5+" on their scoresheet if they didn't already know that it was check? They clearly don't need to hear it from you!

I've announced in beginner adult tournaments. And I don't remember anyone announcing it for me. I don't really care if they think I'm rude or stupid. It's just a habit and always seemed like a courtesy to my opponent. It's not that I assume they're too bad to notice it themselves. It would take a lot for me to break that habit.

I don't consider it rude, it's only stating the status of the game, indicating to the opponent that he/she must take care of that business first. I would say it quietly, of course, without the 'YO MAMA!' or 'IN YOU FACE WITH CAN OF MACE, HA HA!'. Now what about the extra polite situation where you attack the opponent's queen in one way or another? Should you announce 'Gardez' to warn them (as is the custom)? I play in a club where that is the accepted thing to do, so I am learning to do so as well!

I dont think it's rude. it's good manners. as above. I've always said check. many years ago somebody at a chess club I was at always used to say chess!
An opponent who says check is like when you play a new kid who don't resign and they play until mate. It's not rude because they don't know any different.
If an experienced person is talking (by saying check or anything else) of course you can have the director warn them, and then penalize them. It's distracting to everyone else too... like when I had a guy offer me a draw 4 times in a row. I had the TD come over to watch the game... my opponent shut up real quick
So, is it okay for a player to announce "check" when he makes a move that puts the opponent in check, or is it considered rude?