Checking + savings
Accounts that work for you, not against you
No monthly fees on our flagship checking. 4.10% APY on Money Market savings. Free overdraft buffers up to $500. The accounts a credit union should offer.
Checking
Three checking options
Free Member Checking
$0 monthly fee. $0 minimum. Free debit card. Mobile deposit, Zelle, bill pay. Most members open this. Default for everyday spending.
Rewards Checking
3.50% APY on balances up to $20,000 if you swipe debit 12+ times/month and receive $500+ in direct deposit. For active users who can hit the requirements.
GreaterStart Youth Checking
Ages 13–18. Free. Parent co-owner with optional spending controls. Includes financial education modules built into the app.
Savings
Four ways to save
Money Market — 4.10% APY
Highest-rate savings option. $5 minimum to open. No monthly fee. Limited to 6 outbound transfers per month.
Standard Savings — 0.50% APY
Required for membership ($5 minimum). Use it as the hub of your money — transfer in/out without limits.
Goal Sub-Accounts — 0.50% APY
Up to 8 free named sub-accounts under your savings (vacation, emergency fund, house down payment, etc.). Mental accounting that works.
Certificates (CDs) — up to 4.85% APY
Lock in rates for 6 months to 5 years. $500 minimum. Best for money you won’t need short-term. APY varies by term.
Why these rates beat banks
4.10%
Our Money Market APY
Member savings
0.42%
National bank avg APY
FDIC data, Q1 2026
$0
Monthly checking fee
Free account
$15+
Big bank monthly fee
If balance below threshold
What every account includes
Standard with all checking + savings
Mobile + online banking
iOS, Android, web. Mobile deposit, Zelle, transfers, bill pay, card controls — all included free.
5,000+ free ATMs
Through the CO-OP shared network. Most members never pay an ATM fee.
Overdraft buffer (up to $500)
We don’t charge $35 NSF fees. Free buffer up to $500 covers occasional misses without penalty.
Federally insured
Each member insured up to $250,000 by NCUA. Same protection as FDIC insurance at banks.
Card controls
Lock/unlock your debit card, set per-merchant limits, get instant transaction alerts. All from the app.
Apple Pay + Google Pay
Tap-to-pay on iPhone, Apple Watch, Android. Zero setup beyond adding the card.
Account questions
What people ask
- $5 to establish membership (deposited into the savings account). After that, most checking and savings products have $0 minimum balance.