Earn More Than $495 Every Year!**

Gold Checking Earns 3.30% APY* on balances up to $15,000, standard APY after that.

With our Gold Checking account, you can enjoy one of the highest earning checking accounts in the nation, and have access to amazing features and benefits.
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Features Everybody Loves

  • Earn more than $495 every year!**
  • 3.30% APY* on balances up to $15,000, standard APY on balances over $15,000.
  • Up to $25 of nationwide ATM fees refunded.**
  • Get paid up to 2 days early.*** 
  • Access to 30,000 no-fee ATMs Nationwide through the CO-OP Network.
  • Fast, secure, and free online and mobile banking.
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Earn a Great Rate in 3 Easy Steps!

Take these 3 simple steps to be on your way to a rate of 3.30% APY*

Complete 12 Transactions

Make 12 or more in-person, online point of sale (POS), or debit card transactions that post and clear by the end of the month.

Sign Up for eStatements

Simply enroll in free eStatements to receive monthly account statements and notices electronically.

Receive Direct Deposit

Simply receive a Direct Deposit, send an outgoing ACH, or use online Bill Pay each month.

Disclosures

* APY = Annual Percentage Yield. The APY is accurate as of 2/22/2024 and subject to change.

GOLD CHECKING MONTHLY QUALIFICATIONS**

Monthly qualifications apply to earn stated rate, refer to Rate & Fee Schedule for more information. The qualification period is from the 1st day of the month until the last day of the month. Must meet Credit Union membership eligibility and account opening requirements. Minimum to open account is $25. High APY rate paid on balances between one penny and $15,000, and 0.05% APY paid on the portion of the balances above $15,000 each cycle the qualifications are met. If you do not meet the qualifications per cycle, your account will earn the Base Rate and will not receive ATM fee refunds for that period. 

Qualifications: (1) Have 12 or more in-person or online point of sale (POS) transactions or debit card purchases post and clear by close of business on the last day of the month (bill payments using debit card are excluded); (2) Sign up to receive account statements electronically (e-statements) by the last day of the month; and (3) receive a direct deposit, conduct an outgoing ACH transaction, or perform an online bill payment transaction to post and clear by close of business on the last day of the month. Available to personal accounts only and limited to one per Tax ID number.

EARLY ACCESS TO DIRECT DEPOSIT***

Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.