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Earn up to 5.00% APY*
Fast. Easy. Free. Rewarding!

  • Unlimited reimbursement for any and all ATM fees**
  • Over 30,000 ATMs & over 5,000 shared branches
  • Online banking and bill pay
  • Mobile banking
  • Get paid as much as two days early with early direct deposit**
  • No monthly maintenance fees, for anything
  • Never a minimum balance**
  • Visa debit card with chip technology
  • Write unlimited checks

*CCU’s Free Rewards Checking account is a tiered rate account. Please see all terms and conditions on qualifying rate tiers. APY = Annual Percentage Yield.  No minimum balance required.

**We offer over 30,000 surcharge-free ATMs nationwide and we refund fees charged by other bank ATMs when you meet your minimum Rewards Checking requirements.  The top rate of our Rewards Checking account is 80X the national average based on FDIC's published National Rate for balances <$100,000 for savings accounts. Minimum $5.00 opening deposit required. Early Direct Deposit: Early fund access depends upon your employer sending us a notification of the paycheck ahead of the scheduled deposit date. For this reason we cannot guarantee early deposits in all cases. 

Enjoy a Great Rate on a High Yield Account That Pays You Back.

Earn 3.00% APY* 
on balances up to $10,000

  • Receive eDocuments (enroll and accept the disclosure)
  • Make at least 12 debit card purchases each month. 
  • Direct deposits, Mobile Check Deposits or ACH Credits totaling $500 or more monthly

Earn 4.00% APY* 
on balances up to $10,000

  • Meet requirements to earn 3.00% APY plus:
  • Spend $500 or more in CCU Visa Credit Card
    purchases each month; no minimum number of transactions.

Earn 5.00% APY* 
on balances up to $10,000

  • Meet requirements to earn 3.00% APY plus:
  • Spend $1000 or more in CCU Visa Credit Card purchases each month; no minimum number of transactions.

APY = Annual Percentage Yield. For all tiers, balances from $10,000.01 - $25,000.00 earn 0.20% APY and balances $25,000.01 and greater earn 0.10% APY. Please see all terms and conditions on qualifying rate tiers.

Apply Now for Rewards Checking

 Click here to see what you need to join.

Why Choose
Consumers Credit Union?

Don't take our word for it, here's what others have to say:

CNBC Select Logo

"Named by CNBC as one of the five best credit unions in the country."


"Named one of the best checking accounts for 2022."


"Named one of the best online checking accounts for 2022."

Most Common Questions

Rewards Checking FAQ

Free Nationwide

An interest bearing checking account that pays up to 4.09% Annual Percentage Yield (APY) on balances up to $10,000! This is one of the highest interest rates you'll find for checking accounts nationwide.

Safety, Security, Convenience

Receive a Visa debit card with chip technology as well as secure online banking and bill pay. We utilize the latest security practices to ensure a safe environment when accessing your account and to protect your sensitive account information. Our secure online banking gives you full access to your account information.

Online Banking
& Tools

Access and manage all of your account information and details like paying bills, reviewing balances, making transfers, and more. Bank at your own convenience from anywhere at anytime with Online Banking.

Get The Flexibility and Perks That Make for a Great Relationship With Us

Apply Now for Rewards Checking Contact Us