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Enjoy free checking that pays!

High-Yield Checking pays high interest just for using your debit card and meeting a few other monthly qualifications.*
 

Features You'll Love

• Refunds on ATM withdrawal fees, nationwide*
• Manage your account with Online and Mobile Banking
• No minimum balance to earn rewards

Details

  • Free checking that pays high interest

  • 6.00% APY* on balances as much as $15,000

  • 6.00% to 1.22% APY on balances over $15,000, depending on balance in account*

  • 0.05% APY* on all balances if qualifications aren't met

  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*

  • Link to our free High-Yield Savings to build savings automatically

  • No minimum balance to earn rewards

  • No monthly maintenance fee

  • No minimum deposit to open

Qualifications to Earn Rewards

​Enrollments must be in place and all of the following transactions and activities must post and settle to your High-Yield Checking account during each Monthly Qualification Cycle:
  • At least 15 debit card transactions

  • At least 1 direct deposit, ACH payment, or ACH credit transaction

  • Be enrolled in and agree to receive eStatements

And if you don't meet these qualifications, don't worry – your account is still free.

Plus, you'll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.
*Account transactions and activities may take one or more days to post and settle to the account, and all must do so during the Monthly Qualification Cycle to qualify for the account's rewards. "Monthly Qualification Cycle" means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle. See our website for specific Monthly Qualification Cycle dates. When your High-Yield Checking account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $15,000 in your High-Yield Checking account earn a dividend rate of 5.82736% resulting in an APY of 6%; and daily balances over $15,000 earn a dividend rate of 0.049876% on the portion of the daily balance over $15,000, resulting in a range from 6% to 1.22% APY depending on the account's daily balance. You will receive reimbursements up to $25.00 for nationwide ATM withdrawal fees incurred within your High-Yield Checking account during the Monthly Qualification Cycle in which you qualified. NOTE: ATM fee reimbursements only apply to High-Yield Checking transactions via ATM; High-Yield Savings ATM transaction fees are not reimbursed or refunded. When your High-Yield Checking qualifications are not met, the dividend rate earned on the account's entire daily balance will be 0.04999% resulting in an annual percentage yield of 0.05% and ATM withdrawal fees are not refunded. Dividends will be credited to your High-Yield Checking account on the last day of the current statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 11/18/2025. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings. Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. There are no recurring monthly maintenance charges or fees to open or close this account. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA.
 
High-Yield Checking & High-Yield Savings
*Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. "Monthly Qualification Cycle" means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle. See our website for specific Monthly Qualification Cycle dates. When your High-Yield Checking account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $15,000 in your High-Yield Checking account earn a dividend rate of 5.82736% resulting in an APY* of 6.00%; and daily balances over $15,000 earn a dividend rate of 0.049876% on the portion of the daily balance over $15,000, resulting in a range from 6.00% to 1.22%% APY depending on the account's daily balance. In addition, daily balances up to and including $100,000 in your High-Yield Savings account earn a dividend rate of 2.956% resulting in an APY of 3.00%; and daily balances over $100,000 earn a dividend rate of 0.49876% on the portion of the daily balance over $100,000, resulting in a range from 3.00% to 1.75% APY depending on the High-Yield Savings account's daily balance. You will receive reimbursements up to $25.00 for nationwide ATM withdrawal fees incurred within your High-Yield Checking account during the Monthly Qualification Cycle in which you qualified. NOTE: High-Yield Savings ATM transaction fees are not reimbursed or refunded. When your High-Yield Checking qualifications are not met, the dividend rate earned on the account's entire daily balance will be 0.04999% resulting in an annual percentage yield of 0.05% and ATM withdrawal fees are not refunded. In addition, the entire daily balance in the High-Yield Savings account earns a dividend rate of 0.04999% resulting in an annual percentage yield of 0.05%. Dividends will be credited to your High-Yield Checking and High-Yield Savings accounts on the last day of the current statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 11/18/2025. Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings. Membership restrictions may apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. There are no recurring monthly maintenance charges or fees to open or close this account. A High-Yield Checking account is required to have a High-Yield Savings account. A linked High-Yield Savings account is required for automatic savings. Advertised information and rewards are based on all account qualifications being met during each cycle period. Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions. Federally insured by NCUA.
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