Free High Interest Checking

5.00% APY^* on balances up to $10,000

Unlock the potential of your finances with our exciting new free high interest checking account! There's no need to maintain a minimum balance and there are no service fees. Simply:

use your debit card at least 15 times a month,
opt for eStatements, and
make one direct deposit/ACH transaction or two remote/RDC deposits.

Watch your money multiply effortlessly as you go about your daily spending!

Your money. Your choice.

JOIN NOW & OPEN AN ACCOUNT

Member Benefits

Already a member? Switch your account today!

FAQs:

What is a High Interest checking account?

Our High Interest Checking account gives you easy access 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 of 5.00% APY* on checking account balances up to $10,000. Balances over $10,000 will earn 0.05% APY*.

What are the qualifications to earn High Interest Checking’s higher dividend rate?

The qualifications are:

1. Be enrolled in eStatements.

2. Make one direct/ACH deposit transaction or two remote/RDC deposits.

3. Make 15 or more qualifying debit card transactions in person, with a digital wallet (Apple Pay® / Google Pay^TM), or when shopping online per month.

What happens if I don’t meet the qualifications in any given month?

If you don’t meet the qualifications for the month, your High Interest Checking account will earn 0.05% APY* on the entire balance. You will be eligible to meet the qualifications the following month.

Are there any monthly fees associated with the High Interest Checking account?

There are no monthly maintenance fees associated with High Interest Checking account.

Will I still earn dividends if my High Interest Checking balance is over $10,000?

Yes, on balances up to $10,000, you will earn 5.00% APY*, and you will earn 0.05% APY* on balances over $10,000.

Are there any debit card transactions that are excluded from the transaction requirement?

Yes, ATM transactions and Colorado CU bill payments are excluded from the transaction requirement.

Is there a minimum balance required to avoid maintenance fees?

There is no minimum balance requirement and no monthly maintenance fees.

Will my existing checking account information change with the conversion to the High Interest Checking?

When current members convert their existing checking accounts to High Interest Checking, their ACH, Direct Deposits, bill payments, debit card, and account numbers will remain the same.

How can I switch my current checking account to a Hight Interest Checking account?

Members can easily switch their current checking account to a High Interest Checking account by visiting the online/mobile banking app and following these steps:

Once logged into online/mobile banking, select the checking account that needs to be converted.
Select the tile titled “Checking Conversion.”
You will then be prompted to select the type of account. Select the High Interest Checking account option and confirm your selection.
To see those changes, members will need to either refresh the page or close and reopen their app.

Click here for a detailed step-by-step.

Call us at 800.828.2274 or visit a branch.

How can I track my qualifications?

You can track your monthly qualifications by logging into online/mobile banking, selecting your High Interest Checking Account, and selecting "Qualification Tracking.”

Additionally, your monthly account statements will reflect your earnings and will be included in your online/mobile banking transaction history.

Membership Eligibility Required.

*APY = Annual Percentage Yield effective as of July 1, 2024, and subject to change at any time. Fees may reduce earnings. Qualifications to earn 5.00% APY include completing a minimum of 15 debit card transactions per month, enrolling in eStatements, and making either one deposit through direct deposit/ACH or two RDC deposits in the month. If qualifications are not met, member earns 0.05% on entire balance. Other restrictions may apply.