Earn dividends
Discover the benefits of our free Choice Checking Account
Earn 4.25% APY* Dividends
Watch your checking account grow by earning regular dividends on your account balance 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.
Final Balance
Contributions: | Earnings:I love working with Fibre Federal Credit Union. They have been a blessing to me. They make everything easy as possible for their members.
-
1
Open a Choice Checking account
It takes only minutes to fill out the online application.
-
2
Make your opening deposit
Deposit at least $25 to start your account.
-
3
Meet qualifications to earn rewards
Enjoy premium perks of Choice Checking!
Looking for something different?
We also have a no-frills, basic non-dividend checking account available.
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.
-
*Rates stated as Annual Percentage Yield (APY), effective November 20, 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 0.5% 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 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 |
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 20, 2024
Rates are effective November 20, 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 20, 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?
Test Modal
Modal Content
Ea rerum vel molestiae omnis molestias. Et ut officiis aliquam earum et cum deleniti. Rerum temporibus ex cumque doloribus voluptatem alias.
Mobile App
Auto Link
Leaving Our Website
You are leaving Fibre Federal Credit Union and TLC’s website. This link does not constitute an endorsement by Fibre Federal Credit Union and TLC of any information, products or services on this external website. We make every effort, however, to ensure all linked sites follow similar privacy policies as ours to offer maximum security and privacy.