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An illustration of a milk carton.
An illustration of a milk carton.
An illustration of a milk carton.
Dividend checking
As high as
0.75%APY*

APY effective 2018-06-28

Open account

View rates and terms

Order checks

Free checking. Dividend checking.

STCU checking accounts are a secure and convenient way to manage your money, with 24-hour access and free debit cards. Choose free checking or dividend checking.

Free checking!

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

Free checking means no service or "per check" fees, no matter your account balance or number of transactions. Plus, you get:

  • Free online banking.
  • Free debit card.
  • 24-hour online, mobile, or ATM access. 
  • Online account history archive.
  • Free box of checks for seniors! (Must be 55+ with direct deposit of your Social Security, pension, or other regular payments.)
  • Free second checking account. If needed, you can manage separate funds (great for couples!) or designate as your online or debit card shopping fund to reduce exposure to fraud.  

Dividend checking!

Earn more on your money until you need it, with an STCU dividend checking account.

Unlike big banks that only reward rich customers, we pay our highest dividend rate to members who maintain a  checking account balance between $0 and $5,000. An average monthly balance of $2,500 or more avoids a $5 monthly fee.*

Dividend checking rates
BalanceRates
$0 to $5,000* 0.75% APY
$5,000.01 to $10,000 0.10% APY
$10,000.01 to $25,000 0.15% APY
$25,000.01 and higher 0.25% APY

With dividend checking, you get:

  • Free debit card.
  • Free online banking.
  • 24-hour online, mobile, or ATM access.
  • Dividends paid on any balance above $0.* 
  • Online account history archive.
  • No limit on the number of checks or transactions.
  • Free box of checks for seniors! (Must be 55+ with direct deposit of your Social Security, pension, or other regular payments.)

Questions about checking? We have answers.


disclosures

*APY=annual percentage yield. APY is accurate as of the last dividend declaration date. Rate is variable and may change after account is open. No minimum balance to open an STCU checking account.  A $5 fee is charged any month that your average monthly balance goes below $2,500. Fees may reduce earnings. Check rates


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