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Rewards Checking

Earn up to 5.00% APY*
with CCU's Rewards Checking

Open a CCU checking account and enjoy access to some of the nation's best benefits.

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Up to 5.00% APY* Earnings

Watch your balance grow with competitive, high-yield interest rates.
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30,000+ Fee-free ATMs

Withdraw funds at a convenient ATM location near you, free of charge.
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Bank whenever, wherever with the secure CCU digital portal and mobile app. Send and receive money from friends and family with Zelle®.
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Early Payday

Receive your paycheck up to two days early when you enroll in Direct Deposit.+
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Fraud Protection and NCUA Insurance

Bank with confidence with fraud protection and NCUA insured deposits, keeping your money safe in your account.
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Free Nationwide Checking**

Say goodbye to monthly fees. It's free to become a member and bank with CCU!

Download our mobile app for secure, on-the-go banking.

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Personal Banking with Rewards
A better rate means more money in your pocket.
And we have some of the best rates in the country.
Explore tiered membership benefits and compare rates.

Rewards Checking

on balances up to $10,000 and make at least 12 debit card purchases each month

Visa Debit
Earn up to
3.00
%
APY*
  • Receive eDocuments (enroll and accept the disclosure)
  • Make at least 12 debit card payments each month.
  • Direct deposits, Mobile Check Deposits or ACH Credits totaling $500 or more monthly

Rewards Checking + CCU Visa

Spend $500 or more with any CCU Visa Credit Card purchase each month

Visa Debit Visa Platinum Rewards
Earn up to
4.00
%
APY*
  • Meet requirements to earn 3.00% APY plus
  • Spend $500 or more with any CCU Visa Credit Card purchase each month; no minimum number of purchases
  • Earn on balances up to $10,000

Rewards Checking + CCU Visa

Spend $1000 or more with any CCU Visa Credit Card purchase each month

Visa Debit Visa Platinum Rewards
Earn up to
5.00
%
APY*
  • Meet requirements to earn 3.00% APY plus
  • Spend $1000 or more with any CCU Visa Credit Card purchase each month; no minimum number of transactions
  • Earn on balances up to $10,000

It's never been easier to earn more.

Eligibility Requirements

Everyone is eligible to join and bank with Consumers Credit Union, regardless of location or financial background. Apply for an account online in minutes without impacting your credit score.

Fast, Secure Digital Banking

Manage your account anytime, anywhere. With advanced encryption and fraud protection resources, you can bank with confidence. No minimum balance required.

Deposit and Withdrawal Options

We offer flexible deposit and withdrawal options, including direct deposit, mobile check deposit, ATMs, and in-branch services. Whether you're adding funds or withdrawing cash, we make it quick, convenient, and fee-free.

Frequently Asked Questions

Rewards Checking FAQs

Banking is personal business. And we've made it our mission to give our members a banking experience that puts their needs first.

Anyone can join Consumers Credit Union (CCU) and apply for a free Rewards Checking account. You can join CCU at the same time you open your Rewards Checking Account online - in minutes!

Nope, you can open an account online in minutes! However, if you would like to come in, we would love to meet with you and help you get set up.
You will still enjoy free checking with free Online Banking and free Online Bill Payment. You won't earn ATM refunds, but you will earn 0.01% APY* on your checking balance.

Rewards Update Feature

Rewards Checking Tracker

The Rewards Update feature allows members to view the progress of their Rewards Checking qualifications. Detailed in the feature are the following:

  • Rewards Tier: This field represents the Rewards Checking tier you are currently qualified for. Until the Rewards Checking Tier C requirements are met, the Rewards Tier will show Not Qualified. Once the minimum requirements have been met, the interest rate for the current tier met will be displayed along with the maximum amount that interest is calculated for. The Rewards Tier displayed may change throughout the month as more requirements are met.
  • Debit Transactions: Visa Debit Card transactions that have posted to your account will be counted in this section. Within 48 business hours of a transaction posting to your account, that transaction will be updated in the count on the Rewards Tracker.
  • Direct Deposit: The current dollar amount of Direct Deposits your Rewards Checking account has received for the current month. Once the requirement has been fulfilled, a check mark will replace the dollar amount.
  • VISA Total: The amount displayed is the current amount spent on your CCU VISA Credit Card for the current period. Once $1000.00 has been spent and transmitted on the VISA Credit Card, a check mark will be displayed. If you are not a CCU VISA Credit Card holder, this field will not be displayed.
  • Year to Date Interest: This will display the dollar amount for how much interest you have earned within the last year.

Yes! We also want to reassure you that your money is safe and is federally insured by the National Credit Union Administration (NCUA), which is equivalent to the FDIC for banks.

Related Products
More checking options to explore.

Student Choice Checking

Empower your child on the path toward financial independence with a teen checking account.

Smart Saver

Deposit a minimum of $50 or up to $1,000 each month to earn a higher dividend when paired with a CCU Checking Account.

Blogs & Related Information
Expert tips for personal finance.
link to blog post Surviving a Layoff: Your Checklist for Managing Finances

Surviving a Layoff: Your Checklist for Managing Finances

Being laid off can be a nightmare. What to do? Here are some tips about managing your finances during this stressful time.

link to blog post Protecting Elderly Family From Financial Predators

Protecting Elderly Family From Financial Predators

You may know the common scams that go around like bad jokes. But what about your family? Especially the elderly? Here's a good cheat sheet.

link to blog post How to Protect Yourself from Identity Theft

How to Protect Yourself from Identity Theft

Identity theft risks seem everywhere. You need to know how it happens, ways to prevent it, and how to repair the damage.

See all blogs

Bank anytime, anywhere.

Download the CCU mobile app for fast, secure access to your accounts, easy transfers, mobile check deposits and more.

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*APY = Annual Percentage Yield. CCU’s free Rewards Checking account is a tiered rate account.  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. Fees may reduce earnings. Please see all terms and conditions on the qualifying rate tiers. 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.

**Minimum $5.00 opening deposit required.

+Early Direct Deposit 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.