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An illustration of a milk carton.
An illustration of a milk carton.
An illustration of a milk carton.
dividend checking
Up to

APY effective 11/01/2011

Open account

View rates and terms

Order checks

Your more-money-for-you account.

Spend money, make deposits, and balance your accounts, with 24-hour access from almost anywhere by voice, mobile, online, or ATM.

Use checks to mail payments, to buy stuff at the store, or to pay someone directly. (Think yard sale! Or a local shop that won't take cards.)

Your free STCU checking account includes:

  • Free online banking.
  • Free debit card.
  • No service or "per check" fees.
  • 24-hour online, mobile, or ATM access. 
  • Account history archived securely online.
  • Seniors! Free checks if you're 55+ with direct deposit of your Social Security, pension, or other regular payments.

Earn dividends on your checking!

If you typically keep more than $10,000 in your checking account, we recommend an STCU dividend checking account to reward yourself for those higher balances.

There's no service fee and no limit on your number of checking/debit card transactions. Just more money earned on the funds you're already keeping in your account each month.*

Second account, anyone?

Open a second checking account for your spouse or partner at no extra charge. Why? Because a second checking account is a great way for couples to manage separate funds. Or use your second checking account to protect against fraud by designating the account strictly for online or debit card shopping.

Questions about checking? We have answers.


*APY=annual percentage yield on dividend checking accounts. APY is accurate as of the last dividend declaration date. Dividend checking account pays no dividends when balance dips below $10,000; 0.15% APY for balances $10,000 to $24,999.99, and 0.25% APY for balances of $25,000 or more. Check rates