High Yield Checking Account

Get Paid Up to Two Days Sooner

Members with direct deposit set up to a CU1 High Yield Checking account get paid up to two days earlier with CU1 Early Pay²—no special steps required.

Open an Account

Nationwide ATM Network

Access 130,000 surcharge-free ATMs across the country. Simply look for Allpoint, CO-OP, and MoneyPass ATMs to easily access your CU1 accounts.

Open an Account

Control Your Cards on the Go

CU1's Debit Card Controls are directly in Digital Banking, meaning you can manage your debit card from anywhere. Turn on and off your card, set travel notifications, track your spending, set account alerts, and more, all from Digital and Mobile Banking.

Open an Account

Free Credit Score Access and Tools

Get free, real-time access to your Credit Score directly in Digital Banking, plus tools and resources to help you understand, improve, and maintain your score.

Open an Account

No Monthly Service Fees¹

Set Up Automatic Savings

Courtesy Pay

Move Money Easily

Telephone Banking

Send Money with Zelle®

High Yield Checking - Dividend has been deposited illustration

What is a High Yield Checking Account?

Credit Union 1's High Yield Checking account is an everyday spending account that gives you the opportunity to earn dividends. You can make more of your money by simply using your High Yield Checking account for everyday transactions. When you meet qualifying monthly conditions, you can earn a higher dividend rate on balances up to $10,000.

Meet these monthly requirements to earn the higher dividend rate:

Enroll in Digital Banking and eStatements.
Post and clear 15 qualifying CU1 debit card or bill pay transactions each month.
Deposit a minimum of $1,000 to your High Yield Checking account each month.

Open an Account

Track Your Monthly Progress

Ensure you earn the higher dividend rate for your account with the High Yield Checking tracker in Digital Banking. The tracker will monitor:

Debit card and bill pay transactions
Deposits to your account
Enrollment in eStatements

Plus, Digital Banking offers other key features to ensure you stay on track of your finances, like free credit monitoring, education, and tools in Credit Score and easy Debit Card Controls that help you keep your card secure.

4.315,237 Ratings

Manage Your High Yield Checking Account

Step 1

Open an Account in Minutes

New members can open a High Yield Checking¹ account quickly online. Existing members can call (800) 252-6950 to add a High Yield Checking account.

Get Started

Step 2

Register for Digital Banking

Manage your finances in one place with CU1's robust Digital Banking and highly rated mobile app. Opt-in to eStatements to meet the High Yield Checking monthly account requirements.

Step 3

Set Up Direct Deposit

To keep your account in good standing, set up a direct deposit of at least $1,000 a month. Easily switch or set up your direct deposit in Digital Banking and get paid up two days sooner.²

Why Members Love Credit Union 1

Our members love our top banking technology and financial products that make managing money easier, but when asked, our members will always talk about our people. Warm, personalized service will always be a cornerstone of Credit Union 1—we are here to help you reach your financial goals.

Average Rating

4.31 5,237 Ratings

Last Updated on 12/30/2025

Message and data rates may apply. Check with your mobile carrier for details.

The App Store is a trademark of Apple Inc., registered in the U.S. and other countries. Google Play is a trademark of Google LLC.

All checking accounts are subject to approval. The dividend rates and annual percentage yields are accurate as of the last dividend declaration date. If you require current rate information, please contact us. Dividends are paid on the last day of the month to accountholders who have maintained the Minimum Balance to Earn Dividends as provided by Program type and compounded monthly.

^1.

APY= Annual Percentage Yield. Fees could reduce earnings on the account. Rate is subject to change without notice. The rate may change after the account is opened and without notice. Dividends calculated using Average Daily Balance. Requirements to earn the current declared High Yield Checking rate on balances up to $10,000: You must (1) be enrolled in digital banking by registering for CU1’s digital banking service and create a password, (2) be enrolled in eStatements for the account in which the High Yield Checking Account is established, (3) have at least 15 CU1 Bill Pay or CU1 Visa® debit card transactions per calendar month (or a combination of the two), excluding ATM transactions, in the High Yield Checking Account, and (4) have minimum aggregate deposits totaling $1,000 deposited into the High Yield Checking per calendar month. Balances over $10,000 will earn 0.01% APY. Transactions that are pending on your High Yield Checking account and have not posted as of the end of the calendar month qualification cycle, will not count as qualifying transaction for that calendar month cycle. If Requirements are not met, balances will earn 0.01% APY. Deposits, bill pay transactions, and/or debit card transactions made to any other account or sub account belonging to the account owner, or any joint owner, will not apply to these High Yield checking requirements.

^2.

Early access to direct deposit funds is a free, automatic feature and depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. Standard fraud prevention restrictions apply. If your deposit doesn't arrive early, expect it to arrive on your scheduled payday.

Get Paid Up to Two Days Sooner

Nationwide ATM Network

Control Your Cards on the Go

Free Credit Score Access and Tools

What is a High Yield Checking Account?

Track Your Monthly Progress