Overview
You can finally earn dividends on your account balance with a Choice Checking account. The more you deposit, the more dividends you’ll earn. To earn 2.0% APY*, you must meet three easy requirements:*
- Have a minimum of 12 debit card transactions of at least $5.00 each post and clear per Choice Checking cycle**
- Enroll in and receive E-Statements
- Have at least one direct deposit or automatic electronic payment post and clear, or one credit card purchase post per Choice Checking cycle.
If you don’t meet these requirements, you’ll still earn dividends, just at a lower rate.*
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Features
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Earn 2.0% APY* Dividends
Watch your checking account grow by earning regular dividends on your account balance when you meet the requirements.
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ATM Refunds
Save money whenever you withdraw cash with up to $25 in ATM fee refunds per month when you meet the requirements.
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No Minimum Balance
Never worry about your balance getting too low. Choice Checking accounts have no minimum balance requirements.
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Free Access to over 30,000 ATMs Nationwide
Looking for something different?
Earn dividends
Earn more for your checking account balance
Many checking accounts don't offer dividends, and many savings accounts won't let you withdraw money regularly. With a Choice Checking account from us, you can get the best of both worlds. Earn dividends on your checking account balance without losing access to your funds. Reach your goals faster without sacrificing financial flexibility.
Higher-than-certificate dividends
Earn higher rates than many savings accounts
A Choice Checking account will help you reach your financial goals even faster by earning higher dividends than many savings certificate options on balances up to $20,000. You don't have to sacrifice access to your money to earn great rates!
Patron Benefits
Added benefits for members 62 and older
Getting older comes with perks! When you turn 62, you'll be automatically enrolled in Patron Checking benefits. Patron Checking benefits include freebies such as a box of checks per calendar year, unlimited cashier checks, and more to help you better manage your finances during your golden years.
Rates
View all RatesFinal Balance
Contributions: | Earnings:My husband has been a member for a great number of years and has had quite a few loans through here. He has refinanced over the phone as we live a distance away now and they are always more than willing to answer any questions we might have. It's nice to have a place so willing to help so that you don't have to automatically travel there for every transaction as long as you have account securing measures to prove your identity. Thank you again, Fibre Federal. We plan on continuing our business with you.
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1
Open a Choice Checking account
It takes only minutes to fill out the online application.
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2
Make your opening deposit
Deposit at least $25 to start your account.
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3
Meet qualifications to earn rewards
Enjoy premium perks of Choice Checking!
Enjoy the best of both worlds
Get a checking account that earns better dividends than many savings or certificate accounts to reach your financial goals even faster.
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*Rates stated as Annual Percentage Yield (APY), effective 11/1/2021 and are subject to change. Fees may reduce earnings. Portion of balance over $20,000 earns 0.05% APY. ATM fees (up to a maximum of $25 per cycle) will be refunded if account requirements are met. If the account requirements are not met, the APY will be 0.01% and ATM fees will not be refunded. Limited to two accounts per membership. Business Accounts are not eligible.
**Choice Checking cycle is from the 25th of month to the day before the last day of the following month.
All Rates
| Tier | Current Dividend | APY | Minimum to Open | Minimum Monthly Balance | Minimum to Earn APY | Balance Method | Compounded / Credited |
|---|---|---|---|---|---|---|---|
|
Tier 1: up to $20,000.00 |
1.98% |
2.00% |
$25 |
$.01 |
$.01 |
Daily |
Daily |
|
Tier 2: $20,000.01 or greater |
0.05% |
0.05% |
$25 |
$.01 |
$.01 |
Daily |
Daily |
Rates are effective September 19, 2024 and are subject to change.
Choice Checking Accounts are tiered rate accounts. If you meet the minimum service requirements, the dividend rate for the first tier will be paid on the first $20,000.00 of the account balance. The dividend rate for the second tier will be paid on the amount of the balance that exceeds $20,000.00. If you do not meet the minimum service requirements, the third rate and annual percentage yield will apply to the entire account balance.
Also see terms for accounts.
| Current Dividend | APY | Minimum to Open | Minimum Monthly Balance | Minimum to Earn APY | Balance Method | Compounded / Credited |
|---|---|---|---|---|---|---|
|
0.01% |
0.01% |
$25 |
$.01 |
$.01 |
Daily |
Daily |
Rate is effective September 19, 2024 and is subject to change.
Choice Checking Accounts are tiered rate accounts. If you meet the minimum service requirements, the dividend rate for the first tier will be paid on the first $20,000.00 of the account balance. The dividend rate for the second tier will be paid on the amount of the balance that exceeds $20,000.00. If you do not meet the minimum service requirements, the third rate and annual percentage yield will apply to the entire account balance.
Also see terms for accounts.
More Features
Convenient ATM Access
Free ATM Access
Get the cash you need when you need it with free access to over 30,000 CO-OP® ATMs nationwide.
Membership Status
Are you a member of our credit union?
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| Minimum to Open | Minimum Monthly Balance | Minimum to Earn APY | Balance Method | Compounded / Credited | Current Dividend | APY |
|---|---|---|---|---|---|---|
|
$5 |
$5 |
$50 |
Daily |
Monthly |
0.05% |
0.05% |
Rate is effective September 19, 2024 and is subject to change.
Also see terms for accounts.
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