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Online Banking

Rewards Checking

Earn up to 4.09% APY*
Fast. Easy. Free. Rewarding!

Paying one of the highest yields nationwide while offering all the conveniences you deserve.

  • Unlimited reimbursement for any and all
    ATM fees*
  • Over 30,000 ATMs & over 5,000 shared branches
  • Online Banking and Bill Pay
  • Mobile Banking
  • Never a minimum balance**
  • Earn 80X the National Average Rate on balances up to $10,000
  • No monthly maintenance fees, for anything
  • Visa Debit Card with Chip Technology
  • Write unlimited checks
  • Get paid a day early with Early Direct Deposit***

*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.

Enjoy a great rate on a high yield account that pays you back.

Earn 2.09% 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 3.09% APY* 
on balances up to $10,000

  • Meet requirements to earn 2.09% APY plus:

  • Spend $500 or more in CCU Visa Credit Card purchases each month; no minimum number of transactions.

Earn 4.09% APY*
on balances up to $10,000

  • Meet requirements to earn 2.09% APY plus:

  • Spend $1000 or more in CCU Visa Credit Card purchases each month; no minimum number of transactions.

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.

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Most Common Questions

Rewards Checking FAQ


A dividend 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 dividend 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.

Have questions about opening an account?
Call us at 877-275-2228

* APY = Annual Percentage Yield.  No minimum balance required.

** Credit card transactions that post by the 2nd day prior to end of calendar month will count towards the total. All transactions received after end of month cut-off will be counted towards the following months qualifications.

*** 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.

Qualified Members receive Courtesy Pay, a helpful resource that covers your overdrawn checks and provides the peace of mind you should expect from an attentive credit union (fees apply.)

Rates subject to change without notice and subject to current CCU terms and conditions.

View the terms and conditions to learn more