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Watch your balance grow with CU1 High Yield Checking.
No fees, no minimums and get paid up to two days early!
Open an Account Already a Member? Call Now
Set up direct deposit to your High Yield Checking Account and get paid up to two days sooner2 with CU1 Early Pay, no special steps required.
Bank anywhere without fees thanks to 30,000 CO-OP ATMs and 5,000 shared branch locations across the country.
View statements & other electronic documents within Digital Banking.
A simple, self-service option to open your High Yield Checking account quickly, at your convenience.
Open an Account
Our CU1 team members would be happy to assist you with account opening and more at the branch closest to you.
Schedule an Appointment
or Find a Location
Our Member Solutions Specialists are available by phone Monday through Friday, 9:00 am – 6:00 pm CST, and Saturday, 9:00 am – 1:00 pm CST.
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What is a high yield checking account?
How much do I need to open a high yield checking account?
What are the requirements to earn High Yield Checking’s higher dividend rate?
What is a qualifying transaction?
Are there any debit card transactions that are excluded from the transaction requirement?
Where does the required monthly deposit need to be deposited?
Is there a minimum balance requirement?
Is there a penalty if I don’t meet the qualifications?
Will I still earn dividends if my high yield checking balance is over $10,000?
Good financial health is a journey, with lots of learning along the way. Whether you are signing up for your first checking account or planning for retirement, Credit Union 1 wants to pass along our knowledge. Because our first love is banking, and our first priority is helping you achieve your goals.
High yield checking accounts combine the features of a traditional checking account with the benefit of earning dividends, often at higher-than-average interest rates than standard checking accounts.
Digital Banking makes managing your everyday finances effortless—here are five ways you can use it to stay on top of money management and achieve your goals.
Credit unions are the alternative to big banks that might just be right for you and how you manage your everyday finances. Learn more about the major differences between these two financial institutions.
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.
1APY= 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.