Checking & Money Market
Ease. Convenience.
We have several attractive checking account options. Learn more below to see what works best for you!
Open a checking account online or call 800-258-0023 to set up an appointment today.
Once you've opened your new checking account, you'll need to move your direct deposits and recurring payments over. We have a free service, ClickSWITCH, to make that process easy and efficient!
FREE Reward Checking: 2.25% APY*
Earn the reward of a higher Annual Percentage Yield on your checking by completing:
- A minimum of 12 debit card purchases per qualification cycle** with your CCU debit card. See the 2023 qualification cycles below.
- Receive your monthly statement electronically. You can sign up by logging into CCU Online and clicking the eStatement tab!
- Arrange a (one or more) continuous monthly automatic debit or direct deposit to post and clear your account during each monthly qualification cycle.
- Access your account online at least once per monthly qualification cycle.
- Refund of surcharge ATM fees (up to $20.00 per statement cycle)
- Surcharge ATM fees are foreign fees assessed by merchant holding the ATM. The CCU charge of $1 fee per ATM withdrawal over the 5 allowed per month on CCU ATMs are not a surcharge fee that would be refunded.
- *2.25% APY (Annual Percentage Yield) on your balance up to and including $25,000 if requirements are met
- .25% APY on your balance over $25,000
- Base Rate: 0.05% APY if requirements are not met
**Note, the qualification cycle is defined as the last day of one month through the day preceding the last day of the next month (for example: December 31st - January 30th).
January: December 31, 2022 - January 30, 2023February: January 31st - February 27th
March: February 28th - March 30th
April: March 31st - April 29th
May: April 30th - May 30th
June: May 31st - June 29th
July: June 30th - July 30th
August: July 31st - August 30th
September: August 31st - September 29th
October: September 30th - October 30th
November: October 31st - November 29th
December: November 30th - December 30th
For more details, visit our Fees & Disclosures page.
FREE Checking
This is checking for those who enjoy the freedom and convenience of an account with no monthly fee and no minimum required balance. FREE Checking does not earn dividends but still offers unlimited check writing, first box of checks free upon opening your account, a free debit card and optional Line-of-Credit Overdraft Protection.
Money Market Account
This account presents an opportunity for those who maintain a higher balance to earn dividends at a higher rate than conventional dividend checking. There are no monthly fees for this account and deposits are unlimited. When using CCU's preferred check style, checks are complimentary. To earn the dividend rate, a minimum balance of $10,000 must be maintained or the regular savings rate will apply. Dividends are credited to this account monthly. Withdrawals of less than $500 (including checks) or more than 6 withdrawals per month will incur a $10 fee per transaction.
KWIK CASH Line-of-Credit Overdraft Protection
A Kwik-Cash Loan is a consumer line of credit. After one-time approval, you may take advances as needed, as long as your total Kwik-Cash loan balance does not exceed your approved limit. This line of credit can be used when you wish to make purchases or meet unexpected expenses. It can also serve as Overdraft Protection for your Share Draft Checking account.
Dividend Checking
Put your money to work for you. For only $1.00 per month, and a $20 minimum monthly balance, your Share Draft Dividend Checking can earn you more. Dividends are credited to the account quarterly. For added convenience, direct us to automatically transfer loan payments or deposits to another account. Dividend Checking offers unlimited check writing, first box of check free upon opening your account, a free debit card and optional Line-of-Credit Overdraft Protection.
Debit Card
If you have a checking account, you're eligible for a CCU debit card! No monthly fee to use your card, no per transaction fee. Download our PDF debit card application. To activate your new debit card or change a PIN on an existing account please call 1-800-992-3808.
See our Fees & Disclosures page for additional account information and terms.