Interest Rewards Checking

Interest Rewards Checking is the perfect checking account for you if you are a savvy saver. With this checking account, you can earn up to 2.00% APY* on your checking account balance each month! We’ll also reimburse you up to $20 in ATM fees each month.

Just complete three easy qualifications each qualifying cycle to earn the interest reward.

  • Receive electronic statements instead of paper statements.
  • Have at least ten debit card transactions post and clear from your checking account.
  • Have at least one automatic deposit post and clear in your checking account, OR at least one automatic payment post and clear from your checking account.

That’s it! If you complete those three simple qualifiers each month, you’ll receive interest and ATM refund rewards! If you don’t meet the qualifications, that’s okay, there is no fee for that, you just won’t earn your rewards. However, you’ll get to try again next month!

Visit a branch, and become a JCU Member Today!
We have been fulfilling the financial needs of our members since 1950. We offer free checking, low rates on loans and great saving rates.

  • No monthly service fees
  • No monthly minimum balance requirements
  • Unlimited check writing
  • Free online banking
  • Free mobile banking app
  • Mobile Deposits
  • Free Bill Pay
  • Free JCU Visa® Debit Card
Balance RangeAPY*ATM REFUNDS
$0 - $10,0002.00% APY^up to $20/mo.
Above $10,0000.25% APY^up to 20/mo.
No balance or qualifiers not met0.05% APY^N/A

*On approved credit. Annual Percentage Yield (APY) as of October 1, 2018. For Personal Accounts only.

^Annual Percentage Yield (APY) accurate as of 10/01/2018. On approved credit. All qualifications must be achieved each cycle to earn cash back or 2.00% APY. For Personal accounts only (1 account per SSN). ATM refunds up to $20 are provided as long as qualifications are met each qualification cycle. All qualification transactions on the account must be posted and cleared during the qualification cycle, which could take anywhere from, but not limited to, 1-5 business days to post to an account from the date the transaction is made (ATM withdrawals do not qualify). “Qualification cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. (One-day asynchronous – weekend processing). Rates subject to change. Fees may reduce earnings. Interest Reward Checking: 2.00% APY applies to balances of $0.00-$10,000, 0.25% APY applies to balances over $10,000, and 0.05% APY applies if you don’t meet any qualifications.