Text and Call Scam Alerts | Fraud is on the rise. If you are suspicious of a call or text you have received, HANG UP and call the credit union directly. Be sure to use your keypad and type in 1.800.825.8829.
Scheduled Maintenance | We will be performing system maintenance starting Saturday, December 13, 2025, at 8:00 PM and concluding on Sunday, December 14, 2025, at 2:00 AM.  During this time, electronic services; including Home Banking, ATMs, and MATT may be intermittently unavailable.  We appreciate your patience and apologize for any inconvenience this may cause. Thank you for your understanding as we work to improve our services.
Holiday Closing | We will be closed on Wednesday, December 24th, and Thursday, December 25th in observance of Christmas.

 
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FREE HIGH-YIELD
CHECKING
Best for high interest
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FREE CASH BACK
CHECKING
Best for cash back
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SECOND CHANCE CHECKING
Best for rebuilding
APY / Rewards 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


5% cash back on everyday debit card purchases*

Earn up to $10 cash back per month. $120 per year*




N/A
ATM Fee Refunds Refunds on ATM withdrawal fees nationwide, up to $25 monthly* Refunds on ATM withdrawal fees nationwide, up to $25 monthly* N/A
Monthly Service Fees $0 $0 $10
Minimum Balance to Earn Rewards $0.01 $0.01 N/A
Overdraft Protection button button button
Courtesy Pay (once qualified–after 60 days of membership) button button N/A
Free Online Banking & Bill Pay button button button
Free Mobile Banking button button button
Access to Your Account at 5,000+ Participating Co-op Locations button button button
PayItNow (once qualified) button button N/A
Free Transactions at AllPoint & Cardtronics ATMs button button N/A
Same Day VISA® Debit Cards button button N/A
 
Monthly
Qualifications
Monthly
Qualifications
Monthly Qualifications
Debit Card Purchases At least 15 debit card purchases At least 15 debit card purchases N/A
Direct Deposit or ACH Credit At least 1 direct deposit or ACH credit At least 1 direct deposit or ACH credit N/A
eStatements Enrollment Enroll in and agree to receive eStatements instead of paper Enroll in and agree to receive eStatements instead of paper N/A

Ready to Open an Account? Become a Member Today!

Free High-Yield Checking
*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 5.83% 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. 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 0.05% 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 12/03/2025. 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.
Free Cash Back Checking
*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 Cash Back Checking qualifications are met during a Monthly Qualification Cycle, you will receive 5.00% cash back on up to a total of $200.00 on PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $10.00 cash back payments may be earned per Monthly Qualification Cycle. You will receive reimbursements up to $25.00 for nationwide ATM withdrawal fees incurred within your Cash Back Checking account during the Monthly Qualification Cycle in which you qualified. NOTE: ATM fee reimbursements only apply to Cash Back Checking transactions via ATM; High-Yield Savings ATM transaction fees are not reimbursed or refunded. When your Cash Back Checking account qualifications are not met, no cash back payments are made, and ATM withdrawal fees are not refunded. Cash Back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Cash Back Checking account on the last day of the current statement cycle. 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 less than a penny cannot be distributed. 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.
 
Enjoy free checking that pays! High-Yield Checking pays high interest just for using your debit card and meeting a few other monthly qualifications.*
 
Maximize your spending with cash back. Choose this free checking account that pays cash back on debit card purchases – plus refunds on ATM withdrawal fees.*
 
Second chances can be hard to come by, but not with us! With our Second Chance checking account, you can have the second chance you deserve.
 
SERVICE • COMMUNITY • ACCOUNTABILITY • TEAMWORK • LOYALTY