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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: If balance is kept over $500
  • 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.

Blogs

Explore helpful articles, tips, and updates.

Webinars

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

Events

Discover upcoming EMUCU events.

Downloads

Find downloadable forms and account resources.
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FAQs

We make it simple to bring your high-interest debt home to EMUCU. When you are ready to learn how to do a balance transfer, you will simply need the account information and the current balance(s) of the card(s) you wish to move. Once you provide those details, we take care of the rest by paying off your external accounts and moving those balances to your EMUCU Visa® with zero transfer fees.
A balance transfer is a financial tool that allows you to pay off debt from a high-interest credit card at another institution to a card with a lower interest rate, such as an EMUCU Visa®. By doing this, you can pay high-interest charges and ensure that more of your monthly payment goes toward reducing your actual balance. It is a strategic way to consolidate multiple payments into one and give your monthly budget the breathing room it needs to reach your financial goals faster.
No. At EMUCU, we never charge a balance transfer fee. This is a benefit for our members, not just a seasonal promo.
After your 6-month 0.00% APR period ends, any remaining balance will transition to a competitive standard APR (currently 8.99% to 18.99% based on creditworthiness and card type).
This offer is specifically for balances held at other financial institutions to help you consolidate external debt into your credit union membership.
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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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