Rewards Checking

Earn 100X the National Average Rate
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 Up to 5.09% APY* on balances up to $10,000
No monthly maintenance fees, for anything
Visa Debit Card with Chip Technology
Write unlimited checks

*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 100X the national average based on FDIC's published National Rate for balances <$100,000 for savings accounts.

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

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

Receive eDocuments (enroll and accept the disclosure)
Make at least 12 debit card purchases totaling $100 or more each month
Direct deposits or ACH credit totaling $500 or more monthly

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

Meet requirements to earn 3.09% APY plus:
Spend $500 or more in CCU Visa Credit Card purchases each month; no minimum number of transactions.

Earn 5.09% ^APY*
on balances up to $10,000

Meet requirements to earn 3.09% 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

Who can take advantage of free Rewards Checking?

Do I have to open an account at a branch location?

What happens if I don't meet the monthly activity requirement?

How do I view the progress of my Rewards Checking qualification?

Rewards Update Feature
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 Total: The current dollar amount of Visa Debit Card transactions you have completed for the current month will be displayed. Once the requirement has been fulfilled, a check mark will replace the dollar amount.
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.
eDocuments: If you have enrolled to receive electronic documents and notices from CCU, the requirement is already met and eDocuments will not be displayed. If you are not enrolled, follow the Enroll Now link to register.
VISA: If you are a CCU Visa Credit Card holder, this link will not be displayed. If you are not a CCU Visa Credit Card holder and would like to apply, follow the Apply Now link to submit an online application.
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.

An interest bearing checking account that pays up to 5.09% 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.

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.

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 for an Account in Minutes

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.

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.