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Interest Checking Account

Earn more while managing your everyday spending with EMUCU's Interest Checking. With tiered interest rates and all the perks of a basic checking account, you can grow your funds effortlessly while keeping your money accessible.

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Earn More with EMUCU's Interest Checking Account Feature Image

Earn More with EMUCU's Interest Checking Account

Looking to grow your funds? EMUCU's Interest Checking offers an ideal solution. Earn interest on your monthly checking account balance when you maintain a minimum balance of $2,000. Our tiered interest rates mean the more you keep in your account, the more you'll earn!

You'll also get all the benefits of our standard checking account.

Open an Account 

  • Tiered Earned Interest on Deposited Funds: Earn more, as you save more*
  • No Monthly Fee
  • Minimum Balance Required to Earn Interest: $2,000
  • Nationwide Fee-free ATM Access**
  • Overdraft Protection Option: We can ensure you always have sufficient funds available***

Interest Checking Account Rates

Deposit Tier Interest Rate APY*
$2,000 - $4,999.99 0.15% 0.15%
$5,000 - $9,999.99 0.16% 0.16%
$10,000 - $24,999.99 0.20% 0.20%
$25,000+ 0.30% 0.30%
Interest Rate APY*
0.15% 0.15%
Interest Rate APY*
0.16% 0.16%
Interest Rate APY*
0.20% 0.20%
Interest Rate APY*
0.30% 0.30%

Related Resources

Calculators

Access calculators to plan and manage your finances.

Webinars

Watch webinars to learn about finances, services, and more.

Events

Discover upcoming EMUCU events.

Downloads

Find downloadable forms and account resources.
View All Resources

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FAQs

It depends on your financial goals! The Platinum Optimum* is great for establishing or rebuilding a credit score while the Platinum Cash Rewards** gives you 1.10% back on EVERY purchase. Both of EMUCU's Visa® credit cards provide below average interest rates*, so you win either way. Our team members are happy to help you decide. Give us a call, visit a branch, or send us a secure message in the online banking portal!

 
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Disclaimer

*APY = Annual Percentage Yield. It requires a minimum balance of $500.00 to avoid an $8.00 maintenance fee. Fees may reduce earnings on the Interest Checking Account.

**Fee-free, unlimited access to more than 30,000 ATMs that are part of the CO-OP ATM network.

***Full details of Overdraft Policy and Opt-In

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