Best credit union rewards checking rates
Rewards checking pays a high APY on an everyday account — usually up to a set balance, and usually only in months you meet a few requirements like debit card use and e-statements. Compare the top credit union rates below, then read the terms before you switch.
Rates are being gathered
We're onboarding credit unions publishing their rewards checking rates. In the meantime, find credit unions you can join or browse the directory.
Rates are published by each credit union and may not reflect the latest offer or your eligibility. Confirm current terms on the credit union's page before applying.
Frequently asked questions
What do I have to do to earn the advertised APY?
Most rewards checking accounts ask for a set number of debit card purchases each month, an electronic statement, and often a direct deposit. Miss the requirements in a given month and the account typically drops to a base rate for that cycle rather than closing.
Is the high rate paid on my whole balance?
Usually not. Rewards checking APYs are normally capped at a balance — often somewhere around $10,000 to $25,000 — with anything above that earning a much lower rate. Check the cap alongside the headline APY, because it sets what the account can actually earn you.