Checking

Premier Checking

Checking that pays you back

For households that keep a cushion in checking or have their paycheck sent here. Premier pays 0.35% APY on the whole balance, refunds other banks' ATM fees, and takes 0.25% off new personal loan rates.

APY: 0.35%
Monthly fee: $8
To open: $25

Monthly fee: waived with a $2,500 average balance or $1,000 a month in direct deposits.

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Sample rate · October 2026

What you get

Everything in Everyday Checking
0.35% APY on your whole checking balance
Refunds of up to $12 a month in other banks' ATM fees
One free outgoing wire per month
0.25% off the rate on new personal loans

Best for: Members who keep a cushion in checking or bank their paycheck with us.

Fees and terms, in plain English
Item	Cost
Monthly fee	$8
How to waive it	$2,500 average balance, or $1,000 a month in direct deposits
To open	$25
Other banks' ATM fees	Refunded up to $12 a month
Outgoing domestic wire	One free each month, then $20
Fee on a declined transaction (NSF)	$0

Sample figures for a fictional credit union, as of October 2026. APY means annual percentage yield. Rates are variable and can change after the account is opened. Fees could reduce earnings.

Questions

What members ask about Premier Checking

Still wondering? Read the full FAQ or ask a person.

What if I miss the waiver one month?

Then the $8 fee applies for that month only. We send an alert near the end of the month if you're close, so you have time to move money over.

Can I switch between Premier and Everyday Checking?

Yes, anytime and for free. Your account number, card, and direct deposits all stay the same.

How is the interest paid?

Dividends are worked out daily on your balance and paid monthly. The rate is variable, so it can change. The rate shown here is a sample figure.

Pairs well with

Also in checking: Everyday Checking

Open Premier Checking in about ten minutes

Membership starts with a $5 share. Add Premier Checking on step two of the application, or open it at any of our five branches.

Become a member Not sure? Take the quiz