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Checking Rates

Checking accounts that fit your spending style.

Free checking with great benefits.
Convenience, plus choose high yields or rewards.

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Checking Rates

Whether you're looking for a simple banking experience or to increase your dividend earning potential, there's a checking account that's perfect for you.

Checking & Savings Disclosure & Fee Schedule

First Class Checking Account

Account Dividend Rate Annual Percentage Yield
First Class Checking Account 0.01% 0.01%

Rates effective as of January 1, 2022 and subject to change.
Above are prospective dividend rates for the current period.
Membership with a $5 Share Account required.

High-Yield Checking Account

If Requirements are Met Dividend Rate1 Annual Percentage Yield
On the first $25,000 2.00% 2.02%
Amounts over $25,000 0.01% 0.01% - 2.02%
If Requirements are Not Met Dividend Rate1 Annual Percentage Yield
All Balances 0.01% 0.01%
Rates effective as of July 6, 2022 and subject to change.
Above are prospective dividend rates for the current period.
Membership with a $5 Share Account required.
1Dividends are calculated based on the average daily balance in the account. If requirements are met, a higher rate will be paid for the first $25,000 and a lower rate will be paid for any amounts over $25,000. If requirements are not met, your dividend rate on your entire balance will be the lower rate.
To earn the higher dividend rate, members must meet the following requirements:
- Must be enrolled in eDocuments
- Must have ACH direct deposit(s) totaling over $300 in the 34 calendar days preceding the last day of the month. Income earned through self-employment or working an IRS classified “Gig Economy” job does not qualify as direct deposit.
- Must have 15 net PIN or signature point-of-sale debit card transactions over $5 in the 34 calendar days preceding the last business day of the month. The net is calculated by counting the number of PIN and signature point-of-sale debit purchase transactions over $5 and subtracting any PIN or signature point-of-sale debit return transactions processed during that period.

Student Spend Account

Account Dividend Rate Annual Percentage Yield
Student Spend Account 0.01% 0.01%
Rates effective as of August 1, 2022 and subject to change.
Above are prospective dividend rates for the current period.
Must enroll in eDocuments or will receive a Paper Statement Fee of $3 per month.
Account not eligible for Overdraft Protection Plus.
Membership with a $5 Share Account required.