Checking Account Relationships

Member Checking

This account is great for members who need a basic checking account. This account is available to members 18+ years of age.

Direct Checking

Earn benefits by direct depositing your funds into your Direct Checking Account. Receive .25% discounts on loans and .25% bonus rates on Certificates of Deposit.

BONUS CD RATE FOR DIRECT CHECKING & INTEREST CHECKING
Term	Minimum Deposit to Open	Rate	APY*
3 month	$500	0.50%	0.50%
6 month	$500	0.50%	0.50%
12 month	$500	0.50%	0.50%
* Annual Percentage Yield

Interest Checking

Our interest bearing account pays you interest and provides unlimited checking writing. Receive .25% discounts on loans and .25% bonus rates on Certificates of Deposit.

Interest Checking Rates
Account	Rate	APY*	Daily Minimum Balance
Interest Checking	0.10%	0.10%	$2,500 - 4,999
	0.20%	0.20%	$5,000 - 9,999
	0.30%	0.30%	$10,000 +

BONUS CD RATE FOR DIRECT CHECKING & INTEREST CHECKING
Term	Minimum Deposit to Open	Rate	APY*
3 month	$500	0.50%	0.50%
6 month	$500	0.50%	0.50%
12 month	$500	0.50%	0.50%
* Annual Percentage Yield

Member Junior Checking

This account is designed for our newest members just beginning their first checking relationship. Account requires parent or legal guardian authorization. Available to members 15-17 years of age.

Mature Checking

Our Mature Checking Account is for members who have attained the age of 50. This account relationship offers free checking privileges with no cost for basic issue one box of checks annually.

Overdraft Protection

Members Credit Union offers two options to help you protect your checking account from being overdrawn.

Overdraft Transfer Protection

Multiple options allow you to designate up to six accounts that can be accessed by our system to look for available funds to transfer into your checking account to allow checks and electronic transactions to be paid. Account types available for overdraft transfer are:

Member Share
Direct Share
Interest Share
Member Junior Share
Mature Share
Daily Dividend Share
Vacation Fund
Christmas Club

Overdraft Protection Line of Credit

Establish your line of credit up to $2,500 based on approval. Use the line of credit to provide protection on your checking account.

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