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Free Reward Checking

Watch your money grow with our FREE Reward Checking account!

With a CRCU Reward Checking account, you earn a premium interest rate, get nationwide ATM fee refunds*, and it costs absolutely nothing. Zero, Zip, Nada.


*2.00% Annual Percentage Yield (APY) paid on balances between one penny to $20,000 each monthly qualification cycle the minimum requirements are met. An interest rate of 0.20% will be paid only for that portion of your average daily balance that is greater than $20,000. The annual percentage yield for this tier will range from 2.00% to .50%, depending on the balance in the account. If you do not meet the requirements per qualification cycle, your account will still function as a free checking account earning 0.05% APY; however, you will not receive ATM refunds for that time period.  Rates as of July 1, 2019. We may change the interest rate and APY at any time after the account is opened. No Minimum Balance Required. However, you must deposit a minimum of $50 to open this account. Available to Personal Accounts only. No monthly service charge. Fees may reduce earnings. Interest will be paid the first business day of the following month.

**Nationwide ATM refunds if requirements are met. ATM refunds limited to a maximum of $10 per qualification cycle.  Qualifying transactions must post and settle to your account during the business cycle. Transactions may take one or more business days from the transaction date to post an account from the date transaction is made. Intra-bank transfers do not count as qualifying ACH transactions. ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction. ATM fees of $5.00 and higher will be reimbursed if the appropriate ATM receipt is presented to a representative at one of our branches. If you believe that you have not been reimbursed the correct amount, please contact us. We must hear from you no later than 30 days after the statement cycle where the reimbursement was applicable.

 ***Message and data rates may apply from your wireless carrier.

****Requires a minimum of one transaction per 30 day period to avoid a monthly service charge of $3.95. Service charge only applies to those accounts currently subscribing for Bill Pay service that are deemed inactive.


To earn the Reward Rates, perform the following each statement cycle:

  • Have at least 10 debit card purchases post and settle (excluding ATM transactions)
  • Have at least one automatic payment or direct deposit post and settle
  • Be enrolled and receive e-statement notice

Thatís it. So start earning your rewards today!


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