Checking
Checking that pays you back
Tiered dividends that rise as your balance grows, ATM fee rebates nationwide, and free standard checks. Keep $2,500 to reach the top tier.
Built for balances that sit still
If your checking account carries a cushion month to month, it should be earning something.
Tiered dividends
Three tiers, from 0.50% APY on the first dollar to 2.25% APY once your balance reaches $2,500.
Nationwide ATM rebates
Use any machine anywhere. We refund the owner's surcharge, with no monthly cap on the rebate.
Free standard checks
One box of standard checks per year at no charge, reordered from the app whenever you run low.
Dividends paid monthly
Earnings are calculated on your average daily balance and credited on the last day of each month.
No hidden conditions
No debit-swipe quota, no e-statement requirement, no rate that collapses if you miss a month.
Insured to $250,000
Federally insured by the NCUA, with the same protection a bank deposit receives from the FDIC.
Rate tiers
Each tier applies to the portion of your balance that falls inside it.
Rates current as of July 2026 and subject to change. Membership eligibility required. This is a demonstration website; rates, products, and figures shown are illustrative only.
Everyday use
A premium rate without premium hassle
Interest checking at most institutions comes with a checklist: fifteen card swipes, paperless statements, a qualifying deposit. Miss one and the rate disappears for the month. Ours has none of that. Your balance sets your tier, and nothing else does.
Common questions
Is the $2,500 a minimum balance requirement?
No. It is the threshold for the top rate tier, not a condition for keeping the account. There is no fee if your balance falls below it, only a lower dividend for that period.
How are tiered rates calculated?
Tiers are blended. The first $999.99 earns 0.50%, the next slice earns 1.25%, and everything above $2,500 earns 2.23%. We use your average daily balance for the month.
How quickly are ATM surcharges refunded?
Rebates post automatically on the next business day after the surcharge clears. You do not need to submit a receipt or call us to claim them.
Should I choose this over High-Yield Savings?
Use both. Keep your spending cushion here where it is liquid and earning, and park longer-term money in High-Yield Savings at 4.15% APY. Transfers between them are instant and free.
Can I move from Free Checking to this account?
Yes, and your account number, debit card, and direct deposits all stay the same. A member advisor can convert it in a few minutes by phone or in any of our 42 branches.
Put your balance to work
Open Premium Interest Checking online, or ask an advisor which tier fits the way you actually bank.