RELAX. Welcome to Choice Checking.
Earn an epic rate on balances up to $20,000, plus ATM fee refunds and no minimum balance or maintenance fees! Take a few simple steps and you could earn hundreds of dollars, easy-breezy. Miss a step? You’ll still earn dividends, just at a lower rate.
Discover the benefits of our free Choice Checking Account
Earn Dividends at 4.25% APY*
Watch your checking account grow by earning regular dividends on your account balance. In fact, it could mean an extra $836*** or more in your pocket! Earn premium perks when you take three easy steps:
- Make 12+ debit card transactions of $5+ per cycle
- Receive E-Statements
- Have one direct deposit or automatic electronic payment, or one credit card purchase per cycle
Miss a step? 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 perks including a free annual box of checks and five free monthly cashier’s checks for easier financial management in your golden years.
Now’s the best time to open a Choice Checking account!
You could catch your share of our $9,000+ prize wave!
This summer, your debit card could be the key to scoring some sweet cash rewards! Now through September 30, use your FFCU/TLC debit card for everyday purchases, online or in-store, and you could get a splash of cash!
No entry forms, no fuss. Just tap, swipe, insert, or click to pay with your debit card, and you’re automatically entered in our cash prize wave! The more you use your card, the better your chances to reel in some summer cash.
Odds of winning depend on number of entries received. To enter without purchase, mail a 3×5 card with name, address, and phone number to the sweepstakes sponsor: Fibre Federal Credit Union, PO Box 1234 Longview, WA 98632, Attn: Marketing. Full sweepstakes rules
I just wanted to let you know what a game-changer it was to switch from my bank to Choice Checking. I was tired of the monthly maintenance fees, and now that's history. Plus, it's been pretty easy for me to meet the requirements for the high dividend rate - more than I ever thought I could earn. And, I love the ATM fee refunds! Thanks Fibre!
-
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!
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 July 2, 2025 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 4.25% APY 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: July 2, 2025
Rates are effective July 2, 2025 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.
Open Account
| 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 July 2, 2025 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.
Open Account
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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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