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Illustration of two orange checks with a heart on them on a purple background
Illustration of two orange checks with a heart on them on a purple background
Illustration of two orange checks with a heart on them on a purple background
relationship rewards checking

As high as 5.12% APY*

Rate based on a balance between $0-$10,000 and having met all level 2 qualifications.

APY effective 09/06/2023

Live. Laugh. Love at first deposit.

Relationship Rewards checking goes above and beyond, with competitive dividends and other perks on top of the secure and convenient features you can expect from an STCU checking account.

Love is a two-way street.

Unlock two levels of rewards by meeting monthly qualifications.

Relationship Rewards checking level comparison.

Level 1
Level 1

Rewards icon
Level 2

Monthly qualifications.
Online statements.
Direct deposit ($250+).
10+ debit or credit purchases.
All of level one, plus:
$10,000+ average account balance.
Active STCU rewards credit card.
Monthly rewards.
3.04% APY on balances up to $5,000. View all tiers1. 5.12% APY on balances up to $10,000. View all tiers1.
0.25% certificate rate boost2. 0.50% certificate rate boost2.
Free cashier's checks and money orders. Free cashier's checks and money orders.
No debit card foreign transaction fees. No debit card foreign transaction fees.
No $5 monthly service charge. No $5 monthly service charge.
0.25% loan rate discount2.
One free wire transfer per year.
500 bonus credit card rewards points3.

Not qualified status: View rates and terms. No rewards earned, $5 monthly service charge applies.

Keep track and take stock.

See your current status and monitor your progress towards monthly qualifications in online banking and the STCU mobile app.

More about dividends.

Every Relationship Rewards checking account earns competitive, tiered dividends. Rates are based on which level of monthly qualifications are met, and the balance of the account. See current rates.1

The checking account you know and love.

And remember, Relationship Rewards checking has all the standard features of an STCU checking account:

24/7 mobile and online banking.

Bank from anywhere with our free mobile app and online banking.

Free debit cards.

The way to pay almost anywhere you go. Stay in control of your card and your spending with included card management and digital wallet compatibility.


*APY = annual percentage yield.

1Dividends compounded and credited monthly.

2Certificate and loan rate benefits on qualifying products only.

3Credit card bonus points require $500 monthly credit card purchase minimum.

No minimum balance required to open account. Available for personal memberships only. Minor memberships not eligible. One account per SSN. Credit cards and loans subject to approval. $5 monthly service charge if level 1 qualifications are not met. Rates and fees subject to change. Fees may reduce earnings. 

View full terms and disclosures (PDF).