Fast. Easy. Free. Rewarding! One account for any balance.

All the advantages and conveniences you deserve.

  • Over 30,000 ATMs & 1,800 shared branches
  • Total reimbursement for any and all ATM fees*
  • Online Banking and Bill Pay
  • Mobile Banking
  • Never a minimum balance
  • No monthly maintenance fees, for anything
  • Earn up to 4.59% APY
  • Visa Debit Card with Chip Technology
  • Write unlimited checks
  • *No ATM fees or any administrative fees. 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.

Enjoy a great rate on high yield accounts that pay you back.

Balances up to $10,000
Earn 3.09% APY*

Complete at least 12 Debit/Check Card point-of-sale purchases (transactions must be made without using your personal identification number (PIN) to count toward the minimum of 12 and must post and clear your account as a credit transaction on or before the last day of the calendar month)

Each calendar month, one direct deposit OR one ACH debit OR pay one bill when using Consumers Credit Union's free online bill payment system must post and clear your account on or before the last day of the calendar month

Access Online Banking at least once each calendar month

Receive eDocuments (enroll and accept the disclosure)

Balances up to $15,000
Earn 3.59% APY*

Simply meet the requirements to earn 3.09% APY . . . then add:

Spend $500 or more in CCU Visa Credit Card purchase transactions**; no minimum number of transactions.

Balances up to $20,000
Earn 4.59% APY*

Simply meet the requirements to earn 3.09% APY . . . and

Spend $1000 or more in CCU Visa Credit Card purchase transactions**; no minimum number of transactions.

Top Rated By Both

WalletHub Best Online Checking Accounts
nerdwallet 2018

Most Common Questions

Who can take advantage of Free Rewards Checking?
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!
Do I have to open an account at a branch location?
Sure, we'd love to meet you! But, you can open and fund your account online in minutes.
What happens if I don't meet the monthly activity requirement?
You will still enjoy free checking with free Online Banking and free Online Bill Payment. You won't earn ATM refunds, but CCU will pay 0.01% APY* in dividends (interest) on balances.
How do I view the progress of my Rewards Checking qualification?

Rewards Update Feature
CCU is excited to announce a new feature in our Online Banking, Rewards Update. This feature allows Members to view the progress of their Rewards Checking qualifications. Detailed in the feature are the following:

    • Debit Card Transactions: counts how many qualified Visa Debit Card transactions you have in the current month.
    • eStatements: confirms if you have signed up for eStatements and have accepted the disclosure
    • VISA: confirms if you have a CCU VISA Credit Card 
    • VISA Total Amount: displays the total dollars spent with your VISA transactions during the current period (28th of prior month to 27th of current month)  
    • Note:  Purchases must clear and be transmitted by the card processor to CCU to count toward the period in which the purchase(s) was made.  Posted transactions may take up to three (3) business days or more to be added to your Rewards counter.

Rewards update screen displays rewards checking qualifications


This new feature will help you keep track of the progress of your Rewards Checking account! Even better, it is based on transactions that have already posted and cleared for your Rewards Checking Account, as well as your Debit and Credit Cards.

free nationwide checking

An interest bearing checking account that pays up to 4.59% Annual Percentage Yield (APY) on balances up to $20,000! This is one of the highest interest rates you'll find for checking accounts nationwide.

safety, security, convenience

An interest bearing checking account that pays up to 4.59% Annual Percentage Yield (APY) on balances up to $20,000! This is one of the highest interest rates you'll find for checking accounts nationwide.

Online banking and tools

Access & 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

** Purchases must clear and be transmitted by the card processor to CCU to count towards the period in which the purchase(s) was made. Posted transactions may take up to three (3) business days or more to be added to your Rewards counter.

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

View the terms and conditions to learn more.