Get more out your money with high return checking accounts.
Online BankingClose online banking
Checking Accounts
High-Return Checking
We offer no-fee1 interest bearing or cash back checking accounts, so you can earn more while you spend.
High-Yield Spending
6.00% APY*
on balances up to $20,000Features & Benefits
- Free checking. Really1
- No minimum deposit
- Free Allpoint ATMs
- Early Pay on direct deposit
Free Services Included
- Mobile App with Remote Check Deposit
- eStatements
- Online Banking with Bill Pay
- Contactless Mastercard Debit
To Qualify for Higher Dividends each cycle2
- 15 point-of-sale transactions
- One direct deposit or ACH
- Be enrolled in eStatements
Cash-Back Spending
2% Cash Back
on purchases up to $400
per month
Features & Benefits
- Free checking. Really1
- No minimum deposit
- Free Allpoint ATMs
- Early Pay on direct deposit
Free Services Included
- Mobile App with Remote Check Deposit
- eStatements
- Online Banking with Bill Pay
- Contactless Mastercard Debit
To Qualify for Cash Back each cycle2
- 15 point-of-sale transactions
- One direct deposit or ACH
- Be enrolled in eStatements
Everyday Spending
Features & Benefits
- No monthly service fee
- No minimum deposit
- Free Allpoint ATMs
- Early Pay on direct deposit
Free Services Included
- Mobile App with Remote Check Deposit
- eStatements
- Online Banking with Bill Pay
- Contactless Mastercard Debit
More Checking Options
It’s My Money Youth Checking Account
Designed for members ages 6–17, the It’s My Money Checking Account helps you manage your own money while building healthy financial habits. Enjoy access to Mobile and Online Banking, eStatements, and more.
Fresh Start Spending
If you've had difficulties qualifying for a checking account in the past, you're likely to qualify for our Fresh Start Spending account. Fresh Start Spending gives you the opportunity to work towards financial stability and gives you access to a debit card, Mobile and Online Banking and direct deposits for a low monthly fee.
Members who selected checking also added
An ideal blend of growth and liquidity.
New credit card holders enjoy 2% cash back on balance transfers with no annual fee.
*APY = Annual Percentage Yield. APYs are accurate as of 11/1/26.
1 ”no-fee” – No monthly service fee; however, fees incurred for overdrafts and/or stop payments may apply. Refer to our Fee Schedule and membership account agreement for further details.
2If qualifications are met each monthly qualification cycle: (1) Balances up to and including $20,000 receive an APY of 6.00%; and (2) balances over $20,000 earn 0.05 % dividend rate on portion of balance over $20,000, resulting in a range from 6.00% - 0.05% APY depending on the balance. If qualifications are not met, all balances earn 0.01% APY. Qualifying debit card transactions and credit card purchase transactions must post and settle to the account during monthly qualification cycle. Debit and credit card transactions may take one or more business days from the date transaction occurred to post and settle to the account. Only debit card transactions processed by merchants and received by the credit union as point-of-sale (POS) purchase transactions count toward qualifying debit card transactions. The following activities do not count toward earning account rewards: ATM–processed transactions; transfers between accounts; and debit card transactions processed by merchants and received by the credit union as ATM transactions. “Monthly Qualification Cycle” is based upon the calendar month. Rate may change after account is opened and fees could reduce earnings. Any taxes are the responsibility of the recipient and are reported on a 1099-MISC.
For additional account details please refer to the appropriate Truth in Savings Disclosure
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