Power Checking
Time to amp up your daily finances. This hybrid checking account works the way you expect, in one sense, but surprises you with a high-yield savings component. And the larger your balance, the more you can earn.
Ready to tap into your financial superpowers?
You have the awesome ability to transform a full-service checking option into a money-making savings tool while barely lifting a finger. How do you manage this feat? With Power Checking. It’s the account you want when you need every dollar working for you. Manage this checking account as you normally would and let the built-in, high-yield savings component work its magic automatically.
All you need to do is a few of things you’re probably already doing, like receiving e-Statements, using your debit card regularly, or benefiting from one or more of our affordable loans. The more activity and the more you maintain in your daily balance, the more you can earn.
- Dividend-earning account with a long list of money management features
- Variable dividend rate (APY) is based in part on your average daily balance
- Further increase your earnings potential by doing one or more of the following: sign up for e-Statements; make frequent use of your debit card; benefit from one or more of our affordable loans (see chart below)
- No minimum balance or monthly fees
- Unlimited deposits and withdrawals
- Free Visa debit card that can connect to mobile wallet apps for quick, secure transactions
- Unlimited access to Digital Banking and Mobile App**
- Withdraw money at a nationwide network of 135,000 surcharge-free ATMs
- Eligible for Overdraft Protection*** and Overdraft Privilege****
- Reorder checks easily through Deluxe
the higher the tier, the more powerful the account
Standard RATES
Earn up to 0.85% APY* on balances over $100,000
Or, earn:
- 0.15% APY on balances up to $9,999.99
- 0.30% APY on balances up to $10,000 - $24,999.99
- 0.45% APY on balances up to $25,000 - $49,999.99
- 0.60% APY on balances up to $50,000 - $99,999.99
Tier 1
Earn up to 2.50% APY* on balances over $100,000
Or, earn:
- 1.80% APY on balances up to $9,999.99
- 1.95% APY on balances up to $10,000 - $24,999.99
- 2.10% APY on balances up to $25,000 - $49,999.99
- 2.25% APY on balances up to $50,000 - $99,999.99
Tier 1 Requirements:
- eStatements
Tier 2
Earn up to 2.75% APY* on balances over $100,000
Or, earn:
- 2.05% APY on balances up to $9,999.99
- 2.20% APY on balances up to $10,000 - $24,999.99
- 2.35% APY on balances up to $25,000 - $49,999.99
- 2.50% APY on balances up to $50,000 - $99,999.99
Tier 2 Requirements:
- eStatements
- 20 debit card transactions per month
Tier 3
Earn Up to 3.00% APY* on balances over $100,000
Or, earn:
- 2.30% APY on balances up to $9,999.99
- 2.45% APY on balances up to $10,000 - $24,999.99
- 2.60% APY on balances up to $25,000 - $49,999.99
- 2.75% APY on balances up to $50,000 - $99,999.99
Tier 3 Requirements:
- eStatements
- 20 debit card transactions per month
- Open loan
Power your spending. Grow your Savings!
Need a more holistic view? Find your average daily balance and move to the right to compare the tiers. How much could you be earning?
* Annual Percentage Yield. Rates are variable and subject to change after account opening. APY is accurate as of the last dividend declaration date, April 16, 2024. Advertised APY is based on meeting the following criteria: enrollment in eStatements, 20 monthly debit card transactions, and an open loan. Other rates are available and are based on account balance, requirements, and mentioned criteria for the 3 tiers. If the requirements are not met, your account will earn the standard APY. No minimum balance required to open or earn the APY. No monthly service charge. All loans subject to approval. Insured by NCUA.
** Data and other wireless carrier charges may apply.
***You can choose to have funds transferred from your savings account or additional checking account to cover amounts more than your available balance.
**** Overdraft Privilege is a discretionary overdraft service, requiring no action on your part, that provides you a safety net up to an automatically assigned overdraft limit. Your Overdraft Privilege Intelligent limit may be available for checks and other transactions made using your checking account number, such as an automatic (ACH) payment transaction, automatic bill payment or recurring debit card payment. If you request us to do so (opt in), we may authorize ATM transfers or withdrawals and everyday debit card purchases using your available balance and your Overdraft Privilege limit. For business accounts the limit may be available for ATM and everyday debit card transactions with no action required. Balances displayed do not include the Overdraft Privilege limit. There is no additional cost associated with Overdraft Privilege unless you use it. If you do use the Overdraft Privilege limit, you will be charged our paid item OD Privilege fee of $32 for each overdrawn item created by checks and other transactions made using your checking account number, such as an automatic payment (ACH) transaction, automatic bill payment, or recurring debit card payment. For Overdraft Privilege consideration, your account is in “good standing” if you (1) make sufficient deposits to bring your account to a positive end-of-day balance at least once every 30 calendar days (including the payment of all credit union fees and charges); (2) avoid excessive overdrafts suggesting the use of Overdraft Privilege as a continuing line of credit; and (3) have no legal orders, levies or liens against your account.