Get more with the checking account that acts like a savings account.

You work hard for your money. Make sure it works just as hard for you. With 5Point’s Free High-Yield Checking, you can earn remarkably high dividends. We’re talking 6.00% APY on balances up to and including $15,000!
 
You'll also be reimbursed up to $25 for ATM withdrawal fees, plus loads of other exciting perks just for spending and taking care of everyday expenses.
 

6.00% APY* on balances up to and including $15,000 when qualifications are met

• 0.50% APY* on portion of balance over $15,000 if qualifications are met
• 0.05% APY* on balances, even if qualifications are not met
• Get up to $25 refunded each month on ATM withdrawal fees nationwide

Plus:

  • $0 monthly service fees

  • $0.01 minimum balance to earn rewards

  • Overdraft protection

  • Courtesy pay (once qualified– after 60 days of membership)

  • Free online banking & bill pay

  • Free mobile banking

  • Same day Visa® debit cards

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

All it takes is meeting a few monthly requirements.

  • Make at least 15 debit card purchases.

  • Make at least 1 direct deposit or ACH credit/debit.

  • Enroll in and agree to receive eStatements instead of paper.

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. ​

Enrollments must be in place, and all of the above transactions and activities must post and settle to your checking account during each Monthly Qualification Cycle.

Become a member of 5Point Credit Union and start earning the high-yield rewards you deserve today!

Free High-Yield Checking

*Qualification Information:
To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your High-Yield Checking account during each Monthly Qualification Cycle:
  • At least 1 direct deposit(s)
  • At least 15 debit card purchases
  • Be enrolled in and have agreed to receive eStatements rather than paper statements
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. The monthly qualification cycle is defined as the first day of the calendar month through the last day of the calendar month. See our website or contact one of our branch service representatives for specific Monthly Qualification Cycle dates.

Reward Information:
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 5.83% resulting in an APY of 6.00%; and daily balances over $15,000 earn a dividend rate of 0.50% 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. When your High-Yield Checking qualifications are not met, the dividend rate earned on the account's entire daily balance will be 0.05% resulting in an annual percentage yield of 0.05%. Dividends will be credited to your High-Yield Checking account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 07/08/2026. 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.

Additional Information:
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 Savings

*Qualification Information:
To earn your rewards, the following enrollments must be in place and all transactions and activities must post and settle to your High-Yield Savings account during each Monthly Qualification Cycle:
  • At least 1 direct deposit(s)
  • At least 15 debit card purchases
  • Be enrolled in and have agreed to receive eStatements rather than paper statements
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. The monthly qualification cycle is defined as the first day of the calendar month through the last day of the calendar month. See our website or contact one of our branch service representatives for specific Monthly Qualification Cycle dates.

Rewards Information:
When your linked High-Yield Savings account qualifications are met during a Monthly Qualification Cycle, High-Yield Savings daily balances up to and including $100,000 receive an APY of 3.00%; and daily balances over $100,000 earn a dividend rate of 0.50% on the portion of the daily balance over $100,000, resulting in a range from 3.00% to 1.75% APY depending on the account's daily balance. When your linked High-Yield Savings account qualifications are not met, the entire daily balance in the High-Yield Savings account earns a dividend rate of 0.05% resulting in an annual percentage yield of 0.05% APY. Dividends will be credited to your High-Yield Savings account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs are accurate as of 07/08/2026. Rates, rewards, and bonuses, if any, are variable and may change after the account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards of less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information:
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 associated with opening or closing this account. A High-Yield Checking or Cash Back Checking account is required to have a High-Yield Savings 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.
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