e-Checking

• Earn 4.00% APY*, just for using your account as shown below
• No monthly fee
• No minimum balance required
• Online Bill Pay transactions are free and unlimited.
• ATM and branch transactions are unlimited.

It's easy to earn eChecking Dividends. Here's how you can get this great rate!

1. Receive eStatements, opting out of paper statements
2. Make eight (8) or more debit card transactions each month
3. Direct Deposit a minimum of $500 monthly to your eChecking
   

*APY = Annual Percentage Yield. 4.00% APY paid on the first $2,500 on deposit. 2.50% APY paid on balances between $2,500 and $5,000. 0.25% APY paid on balances between $5,000 and $10,000. 0.10% APY paid on balances over $10,000. Dividends are calculated daily and compounded and paid monthly. Rates subject to change. Refer to our forms page for our Truth-in-Savings Disclosure for all applicable disclosure information. On any month you do not meet the requirements, you will not be paid a dividend but there is no fee incurred for not meeting the requirements. Fees could reduce the earnings on the account. Rates are accurate as of May 1, 2025. Existing Regular Checking accounts may be converted to an eChecking at any time.

Regular Checking

• Earn a competitive Dividend Rate
• No minimum balance required
• One box of checks free annually with a minimum Direct Deposit of $500
• No monthly fee with a minimum of 4 transactions per month or a minimum consolidated savings balances of $500.00 or any outstanding loan balance of $500 (excluding overdraft protection and VISA Credit Card balances)

All it takes is a minimum of four (4) monthly transactions to avoid an inactive monthly service fee on Regular Checking. Checking transactions may be a combination of deposits, check clearings, transfers, Debit card transactions (signature or POS), ACH debit or bill payments. Internal transfers within your account or linked account does not count towards the minimum required.

See Fee Schedule for all other checking account fees. Fees could reduce the earnings on the account. Rates are accurate as of March 1, 2023.

Teen Checking - for students 13 - 17 years old

Because making better decisions related to managing your money as an adult takes practice and education.

• No minimum balance
• No monthly fees
• Only a $20 deposit required to open an account
• FREE ATM/Debit card
• FREE mobile app
• FREE eStatements and online banking
• FREE checks (25 pack) each year
• $10 Good Grades Reward up to twice a year*

Requires a parent or legal guardian to be joint on the account.

Would you like to earn $5 gift cards just for correctly answering a few questions?

Help your teen learn more about finances. Download our free financial literacy Zogo app and start earning "pineapples" that can be traded in for gift cards to your favorite retailers. Check out our Zogo page for more information.

*Report card with a minimum GPA of 3.00 must be submitted no later than 45 days after the date of the report. Student must have a minimum of eight (8) checking transactions during the semester,  have no NSF checks or overdrawn account activity and must be enrolled in eStatements to receive the $10 savings deposit.

Fresh Start Checking Account Details

• Minimum Deposit to Open: $20.00
• Minimum Balance Requirement: none
• Dividend Rates: This account is a non-interest bearing account
• Electronic Service Limitations: 
•             $300 per day maximum for Debit Card POS or ATM Transactions                                                   
•             $300 per day maximum for Signature Debit Transactions
• Mobile Check Deposit: not available for this account type
• Direct deposit of your payroll check is required
• Excessive overdrafts or mishandling of the account, at the credit union’s sole discretion, is cause for immediate account termination.

Please see our New Account Disclosures which include the Truth in Savings Disclosures for all account disclosure information.