Checking that Pays.
Enjoy all the perks when you open a Reward Checking Account at CCU. Plus, manage bills, transfer money, set goals and more with CCU Mobile.
Benefits:
- Earns 2.25% APY* on balances up to $25,000
- No monthly fee or minimum balance
- Free debit card
- Free online banking and mobile app
- Free real-time alerts via our mobile app, SMS or email
- Free Mobile Deposit
- Free ATM Withdrawals at all of our locations + Refund of surcharge ATM fees (up to $20 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.
How do I qualify?
Earn 2.25% 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 2024 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.
What are the qualification cycle deadlines?
**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, 2023 - January 30, 2024
February: 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
February: 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
*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
- .25% APY on your balance over $25,000
For more details, visit our Fees & Disclosures page.