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Checking Rates

Interest Checking
Type Rate APY
$2,500 to $9.999
$10,000 to $24,999
$25,000 and above
0.200%
0.995%
0.995%
0.20%
1.00%
1.00%

High-Yield Interest Checking
Type Rate APY
$0 - $9,999
$10,000 and above
0.200%
1.982%
0.20%
2.00%
Click here to view disclosures

Checking Accounts

Whatever your personal preference... whatever stage of life you're in... SMCU has a checking account designed just for you. To ensure that we provide the most appropriate products and services, we have developed checking accounts tailored to a variety of lifestyles and needs:


Free Checking Offers access to your account online, by phone or at any branch
Interest Checking Pays interest if you maintain an average daily balance of $2,500
High-Yield
Interest Checking
An average daily balance of $10,000 ensures you will earn a higher interest rate on your account
On interest bearing accounts dividends are paid monthly

To determine which SMCU checking account is best for you, click here to see a side-by-side comparison chart.

Opening a checking account is easy. All you need is an initial deposit of $20, which covers the cost of your first set of checks.

FREE SERVICES AND BENEFITS

SMCU's checking accounts offer the added value of many linked services:

BENEFITS
Courtesy Pay (Learn More) Visa Direct Check Card (Learn More)
SMCU OnLine (Learn More) ATM Access* (Learn More)
Bill Pay (Learn More) CO-OP ATM Network (Learn More)
Direct Deposit (Learn More) Shared Branching (Learn More)
Call-24 (Learn More) Overdraft Protection (Learn More)
*
There is no charge to use an SMCU ATM. If you use a non-SMCU ATM, a fee may apply. In addition, other financial institutions may impose a surcharge for this service.

To contact us about any of the following please click on the item.

Click here to view our Member Relationship Tiers.

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Equal Housing Lender - NCUA