Checking

Keep more of your hard-earned cash right here with UFCU, and put it to work with our new high dividend checking account.

We now offer two different types of share draft (checking) accounts to our members: Personal Share Draft (Regular Checking) and High Dividend Share Draft. Existing members with online banking may simply log in and open a high dividend share draft account if they wish, or they may submit a request to UFCU Member Services to transfer their existing personal share draft account to the high dividend checking account. Members who request a transfer using the form below will be able to retain the same share draft account number, debit card, and/or checks and continue using without interruption. Please allow our Member Services 1-2 business days in order to process your request.

Non-members will first need to establish membership with a $10 primary shares (savings) account. Membership and any subsequent accounts may be opened online or at one of our branches.

 

Name(Required)
This will allow us to direct your request to the branch of your preference or convenience.

 

Personal Share Draft

High Dividend Share Draft
Earn 4.00% APY* on balances up to $25,000

Earn 0.500% APY* on balances over $25,000

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No minimum balance required blue check mark blue check mark
No monthly maintenance fees blue check mark blue check mark
Sync to digital wallet like Apple® Pay for contactless, cashless purchases blue check mark blue check mark
Mobile App for Apple® and Android® devices – deposit checks, apply for a loan, open a new account, send money to family and friends with Zelle® blue check mark blue check mark
Visa® Debit Card with EMV chip technology blue check mark blue check mark
CO-OP Nationwide ATM & Shared Branch Network with nearly 30,000 surcharge free ATMs, 5,000 branches blue check mark blue check mark
Overdraft line-of-credit up to $20,000 available blue check mark blue check mark
Enroll in VISA® Debit Card purchase alerts → Click here blue check mark blue check mark

Ready to become a part of our credit union? Click here to get started.

 

*APY is Annual Percentage Yield. Rates are effective 10/1/24. Rates are subject to change. To earn 4.00% APY* on balances up to $25,000, or 0.500% APY* on balances over $25,000, members must meet the following monthly requirements: ten (10) debit card transactions; direct deposit or ACH of $500 or more; log in to online or mobile banking; and receive e-Statements. If account requirements are not met, the non-qualifying rate will be 0.00% APY*. New accounts will receive the qualifying dividend rate for the first statement cycle. Existing accounts converted to High Dividend Checking may qualify to receive the qualifying dividend rate beginning on the first day of the following month after the account is converted (for example: High Dividend Checking account is opened October 15. Dividend rate would go into affect beginning November 1).

For complete Truth-In-Savings disclosures, please click here.

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