All UFCU branches will be closed on Monday, October 14

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. Choose which one suits your style, or both! Existing members with online banking may simply log in and open a high dividend checking account if they wish. 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.

 

Basic Checking

High Dividend Checking
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 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).

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