- Save & Spend
- Checking
- High-Yield Checking
Get 6.00% APY
An unmatched yield on your first $25,000.
No gimmicks. No monthly maintenance fees. No direct deposit handcuffs. Just a simple monthly routine of 15 or more debit card transactions† that pays you a market-leading return:
How to Earn It |
What You Get |
| Make 15 or more debit card transactions in the calendar month. | 6.00% APY on your balances up to $25,000 for that month, and .50% APY on your balances $25,000+. |
| Make 14 or less debit card transactions in the calendar month. | The Standard Rate‡ for that month (and we try again next month). |
| No monthly maintenance fee. | It doesn't matter how many transactions you do or don't make, there's no monthly maintenance fee. |
Pair your checking with our High-Yield Savings to earn 3.55% APY on more of your balances. Each month you meet your checking's Monthly Goal, you'll unlock this great rate with a huge balance cap.
How to Earn it |
What You Get |
| Make 15 or more debit card transactions in the calendar month on your checking account. | 3.55% APY on your balances up to $100,000 for that month, and .50% APY on balances $100,000+. |
| Make 14 or less debit card transactions in the calendar month on your checking account. | The Standard Rate‡ for that month (and we try again next month). |
Compare Your Earnings
See how much you are leaving on the table at your current bank.
Your Current Institution
Oregonians Credit Union
Your Net Annual Gain:
$0.00
Features & Benefits
All of our checking accounts offer rewards plus these great benefits:
Fee-Free ATMs
Access your cash at 37,000+ surcharge-free CO-OP ATMs nationwide without paying a fee.
Mobile Wallet Ready
Tap, pay, and checkout instantly using Apple Pay, Google Pay or Samsung Pay.
24/7 Banking
With features you expect (pay bills, manage your cash, move your money, etc.)
Seamless Transfers
Move cash to and from your other bank or brokerage accounts quickly and for free.
Instant Controls
Lock your card down or set transaction alerts right from your phone.
Free VISA® Debit
Works great worldwide whether you tap, swipe, or pay using your digital wallet.
High-Yield Checking FAQs
- Do recurring subscription payments (like Netflix or YouTube) count as a debit card transaction?
- Is there a maintenance fee if I don't meet the requirement to earn rewards?
- How do I get my money out if I need it?
- What counts as a debit card transaction?
- Is there a direct deposit requirement?
High-Yield Checking Rates
| Rate Type | Balance | Rate | APY* |
|---|---|---|---|
| High-Yield Tier 1 Rate | Up to $25,000 | 5.82% | 6.00% |
| High-Yield Tier 2 Rate | Over $25,000 | .50% | .50% |
| ‡Standard Rate | .02% | .02% |
*APY = Annual Percentage Yield. Rates are variable and subject to change after account opening, without notice. Limit of one High-Yield Checking account per member (unique SSN). Not available on business memberships. $50 minimum balance to open. Paper statements are subject to a $3.00 monthly fee; avoid this fee by enrolling in free electronic e-Statements.
- When Monthly Goal is met: Daily ending balances up to $25,000 earn High-Yield Tier 1 Rate. Portion of daily ending balances exceeding $25,000 earn High-Yield Tier 2 Rate, resulting in a blended APY.
- When Monthly Goal is not met: Daily ending balances earn the Standard Rate‡.
- Monthly Goal: Complete 15 or more debit card transactions† that post and settle to your account by 6:00PM Pacific Time on the last day of the calendar month. Pending transactions don't count.
†Debit card transactions exclude (are not): ATM transactions, P2P transfers (like Venmo or Cash App), ACH/EFT transactions, wire transfers, currency purchases, money orders, or account-funding transactions (like Apple reloads).
High-Yield Savings
Earn even more on balances up to $100,000
Get 3.55% APY* with our High-Yield Savings when you meet the Monthly Goal on your checking! And no, this savings doesn't have a tiny balance cap like other institutions.
What You Get |
How to Earn It |
| 3.55% APY on your balances up to $100,000 for that month, and .50% and balances $100,000+. | Meet your checking account's Monthly Goal. |
| The Standard Rate‡ on your balances for that month (and we try again next month). | Miss the Monthly Goal. |
High-Yield Savings Rates
| Rate Type | Balance | Rate | APY* |
|---|---|---|---|
| High-Yield Tier 1 Rate | Up to $100,000 | 3.48% | 3.55% |
| High-Yield Tier 2 Rate | Over $100,000 | .50% | .50% |
| ‡Standard Rate | .02% | .02% |
*APY = Annual Percentage Yield. Rates are variable and subject to change after account opening, without notice. Limit of one High-Yield Savings account per member (unique SSN), and per membership number (regardless of the number of joint owners or unique SSNs on the membership). Not available on business memberships. To earn the High-Yield Tier rates, you must meet your checking account's Monthly Goal:
- When Monthly Goal is met: Daily ending balances up to $100,000 earn High-Yield Tier 1 Rate. Portion of daily ending balances exceeding $100,000 earn High-Yield Tier 2 Rate, resulting in a blended APY.
- When Monthly Goal is not met: Daily ending balances earn the Standard Rate‡.
- The Monthly Goal: Complete 15 or more debit card transactions† on a High-Yield Checking or Cash Back Spend under the same membership that post and settle to your account by 6:00PM Pacific Time on the last day of the calendar month. If you have multiple checking accounts on this membership, transactions across accounts cannot be combined. Pending transactions don't count.
†Debit card transactions exclude (are not): ATM transactions, P2P transfers (like Venmo or Cash App), ACH/EFT transactions, wire transfers, currency purchases, money orders, or account-funding transactions (like Apple reloads).
