DISCOVER THE BENEFITS OF OUR FREE CHOICE CHECKING ACCOUNT
Earn 4.25% APY* Dividends
Earn premium perks when you 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.*
ATM Refunds
Save money whenever you withdraw cash with up to $25 in ATM fee refunds per month when you meet the requirements.
Added Benefits for Members 62+
At 62, automatic enrollment in Patron Checking offers benefits like free yearly checks, five free monthly cashier’s checks, and more for easier financial management in your golden years.
It could mean an extra $836*** or more in your pocket! Don’t miss out on the premium perks Choice Checking has to offer.
*Rates stated as Annual Percentage Yield (APY), effective November 21, 2024 and are subject to change. Minimum $25 to open. Minimum balance of .01 to earn APY. Fees may reduce earnings. Portion of balance over $20,000 earns 0.25% 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 0.10% and ATM fees will not be refunded. Limited to two accounts per primary member. 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.
***Actual dividends may vary. Based on $20,000.00 initial deposit for 12 months at 4.16% APR with monthly compounded dividends.
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 |
4.16% |
4.25% |
$25 |
$.01 |
$.01 |
Daily |
Daily |
|
Tier 2: $20,000.01 or greater |
0.25% |
0.25% |
$25 |
$.01 |
$.01 |
Daily |
Daily |
Rates effective as of: November 21, 2024
Rates are effective November 21, 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 |
|---|---|---|---|---|---|---|
|
0.10% |
0.10% |
$25 |
$.01 |
$.01 |
Daily |
Daily |
Rate is effective November 21, 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.
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