High Yield Checking
4.75% APY1
Watch your deposits grow with CU1 High Yield Checking.
No fees, no minimum balances and get paid up to two days early!²
Move Money Easily
Transfer funds within CU1 and to and from your accounts at other financial institutions. Plus, send and receive money with Zelle.®
Pay Bills Quickly
In Digital Banking, pay a one-time bill or set up AutoPay to ensure your important bills always get paid on time.
Spend Securely
CU1 debit cards have chip-technology--plus lock your card anytime with advance card controls in the mobile app.
Courtesy Pay
A discretionary service offered for checking accounts in good standing, Courtesy Pay can cover you in instances where your account gets overdrawn.
Get Paid Sooner
Members with direct deposit at CU1 Checking account get paid up to two days sooner with CU1 Early Pay,2 no special steps required.
Set Up for Savings
Round It Up makes savings a no-brainer by rounding purchases up to the next dollar and sending your change to your savings.
Frequently Asked Questions
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Credit Union 1’s High Yield Checking account gives you easy accessibility to your money for everyday transactions, with the added opportunity to earn dividends simply by using your account. By meeting monthly requirements, you can earn a higher dividend rate on checking account balances up to $10,000. Balances over $10,000 will earn 0.01% APY.1
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The High Yield Checking account does not have an opening or minimum balance requirement. However, balances up to $10,000 can earn a higher dividend rate when monthly requirements are met. Balances over $10,000 will earn 0.01% APY.1
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To earn the higher dividend rate in High Yield Checking on balances up to $10,000 you must (1) be enrolled in digital banking, and (2) be enrolled in eStatements, and (3) post and clear 15 qualifying CU1 debit card or bill pay transactions per month, and (4) deposit a minimum of $1,000 to the high yield checking per month.
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A qualifying transaction includes CU1 debit card purchases (online or in person) and CU1 bill payments.
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Yes, ATM transactions are excluded from the transaction requirement.
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To qualify for the higher dividend rate, there must be a minimum of $1,000 deposited into your High Yield Checking each month. It can be direct deposit, cash, check, external transfer, mobile deposit, or ACH.
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There is not a minimum balance requirement.
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If you don’t meet the qualifications for the month, your High Yield Checking account will earn 0.01% APY. You will be eligible to earn the higher dividend rate if you meet the qualifications the following month.
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Yes, on balances up to $10,000 you will earn the higher dividend rate, and you will earn 0.01% APY on balances over $10,000.
Open an Account in Minutes
Online
A simple, self-service option to open your High Yield Checking account quickly, at your own convenience.
In Person
Our CU1 team members would be happy to assist you with account opening and more at the branch closest to you.
Have Questions?
Our Member Solutions Specialists are available to answer questions over the phone Monday through Friday, 9:00am - 6:00pm CST.
24/7 Banking Access
CU1 wants you to have your money at your fingertips, wherever you go. When you become a member, you can expect a modern experience that makes everyday banking a breeze.
CU1 offers:
- A Highly Rated Mobile App
- Personalized Digital Dashboard
- Advanced Card Controls
- Digital Wallets
- Online Bill Pay
- Easy Digital Transfers
Learn More Register for Digital Banking
