HIGH YIELD CHECKING1 

New Members| 18+ 

Built for Everyday Banking 

Use your High Yield Checking account for purchases, digital banking, and managing your day-to-day finances, while earning more on your balances.  


How to Earn 4.50% APY 

  • Enroll in eStatements
  • Complete at least 10 qualifying debit card transactions during the calendar month
  • Log in to online or mobile banking at least once during the prior calendar month

If these qualification requirements are not met, the account will earn the non-qualifying rate.

Account Features
No Monthly Fee2Yes
Contactless Debit CardYes
Free Online and Mobile Banking3Yes
Free Bill Pay3Yes
Access to more than 30,000 surcharge-free ATMs nationwide with the CO-OP ATM NetworkYes
NCUA Insured up to $250,000Yes

Getting Started is Easy

Open your account online, call us at 800-444-6327, or open your account in-branch.  

Eligibility 

Available to new members age 18 or older. For purposes of eligibility, individuals who open either a High Yield Checking Account or Digital Savings Account will continue to be considered a “new member” for thirty (30) calendar days following account opening and may qualify for the other promotional product during that period, subject to all other eligibility requirements. Qualification requirements are evaluated based on account activity and enrollment status as determined by the Credit Union. 

Additional Terms  

Online account opening is available to individuals 18 or older. Rates may change at any time without notice, and fees may reduce earnings. Please refer to our Rates and Explanation of Rates & Service Charges for complete details.  

*APY = Annual Percentage Yield. Rates effective as of 04/30/2026. Dividends and APYs are variable and may change or be discontinued at any time without notice.  

1 The advertised APY of up to 4.50% applies to balances up to the first $10,000 when all qualification requirements are met during that closing calendar months activities with the exception of online banking activity. Online banking activities must occur during the prior calendar month. Balances over $10,000, and all balances when qualifications are not met, will earn the standard rate, currently 0.10% APY as of 04/30/2026. No minimum balance is required to earn dividends on the qualifying balance tier. Qualifying debit card transactions must post and settle by the end of the closing calendar month; pending transactions and ATM withdrawals do not count. Fees may reduce earnings. Membership eligibility required. Terms and conditions apply. 

2 “No monthly fee” means no periodic service fee; other fees may apply. 

3 Message and data rates may apply. Certain features may require enrollment.