100% Free Checking With Interest and Rewards!

Try Consumers Credit Union's Free Rewards Checking account, 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.

Check out these other great benefits from Free Rewards Checking:

  • No ATM fees - CCU will reimburse all ATM and surcharge fees
  • Available nationwide, regardless of where you live or work
  • Free VISA Debit Card*
  • Free mobile banking
  • Free online banking and bill payment
  • Free eDocuments
  • Unlimited check-writing privileges
  • Access to over 1,800 Shared Branch Networks and nearly 30,000 surcharge FREE ATMs
  • 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)

And don't worry about paying ATM fees* or any administrative fees. We charge no fees and we refund fees from other banks' ATMs when you meet your Rewards Checking requirements.

To earn the wonderful interest rate, CCU only asks that you help us operate more efficiently by banking in ways that likely are already familiar to you.

Enjoy unlimited ATM refunds and a great rate depending on your monthly activity.

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

  • 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)

Earn 3.59% APY* on balances up to $15,000

  • 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.  

Earn 4.59% APY* on balances up to $20,000

  • 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.

**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.

FAQ - FREE Rewards Checking

What happens if I don't meet the four requirements listed above?

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* dividend (interest) in such cases! With Free Rewards Checking, you get the benefits of free checking with an interest bearing checking account.

Who can take advantage of Free Rewards Checking?

Anyone – even if you already have another checking account with CCU! New Members, existing Members, friends and family are all welcome to join and enroll in Free Rewards Checking!

With Free Rewards Checking, you can't lose! Apply online and open your account today.

View the terms and conditions to learn more.

* - APY = Annual Percentage Yield