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Free Choice Checking

Spend money and earn dividends at the same time

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.

Open a choice checking account

Final Balance

Contributions:     |    Earnings: 
Initial Deposit
Dividend Rate

I love working with Fibre Federal Credit Union. They have been a blessing to me. They make everything easy as possible for their members.

— Debbie L.

How it works

Start earning dividends on your checking account balance in just three simple steps:

  • 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?

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.

  • *Rates stated as Annual Percentage Yield (APY), effective June 13, 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.

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