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Free Checking

Our standard checking account, made for members who want to bank anytime, anywhere without hidden fees.

  • Free Digital Banking & Online Bill Pay
  • CU1 Debit Card with Secure Chip Technology
  • No Monthly Maintenance Fees
  • And More!
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High Yield Checking

A checking account that rewards you for everyday banking. Build your balance by earning competitive dividends when you make qualifying transactions each month.

  • Earn 5.25% APY1 on balances up to $10,000 when you make qualifying monthly transactions
  • Free Digital Banking and Online Bill Pay 
  • Get Paid Up to Two Days Sooner with Direct Deposit
  • And More!
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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. There is a $25 minimum deposit to open, or setup a minimum $500 direct deposit to the Free Checking account. For Plus Checking accounts, if balance falls below the $500 minimum average daily balance requirement there is a $9.95 fee. For Premium Plus Checking accounts, if balance falls below the $50,000 aggregate minimum relationship balance in the member’s Credit Union 1 combined accounts including: Savings Accounts, Checking Accounts, Money Market Accounts, Share Certificates, Loans, and/or Credit Cards, there is a $25 fee. Message and data rates may apply. Check with your mobile carrier for details.

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.

Credit Union 1 is celebrating 65 years of helping individuals, families and communities reach their financial goals.