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Choice Checking

Spend money and earn dividends at the same time


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 3.50% 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.*


Earn 3.50% APY* Dividends

Watch your checking account grow by earning regular dividends on your account balance when you meet the requirements.

ATM Refunds

Save money whenever you withdraw cash with up to $25 in ATM fee refunds per month when you meet the requirements.

No Minimum Balance

Never worry about your balance getting too low. Choice Checking accounts have no minimum balance requirements.

Free Access to over 30,000 ATMs Nationwide

Looking for something different?

Money Market Checking

Earn money market dividend rates without the restrictions.

Checking Protection Package

Avoid unwelcome surprises and maintain your financial health.

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, five free cashier's checks each month, and more to help you better manage your finances during your golden years.

As high as APY

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!

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 September 23, 2023 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.

FRAUD ALERT: There are fraudulent texts claiming to be from us regarding pending charges. Do not click the link.

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