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Interest Checking Account

Earn more while managing your everyday spending with UMCU's Interest Checking. With tiered interest rates and all the perks of a basic checking account, you can grow your funds effortlessly while keeping your money accessible.

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Earn More with UMCU's Interest Checking Account Feature Image

Earn More with UMCU's Interest Checking Account

Looking to grow your funds? UMCU's Interest Checking offers an ideal solution. Earn interest on your monthly checking account balance when you maintain a minimum balance of $2,000. Our tiered interest rates mean the more you keep in your account, the more you'll earn!

You'll also get all the benefits of our standard checking account, Go Blue™ Checking.

Open an Account 

  • Tiered Earned Interest on Deposited Funds: Earn more, as you save more
  • No Monthly Fee: If balance is kept over $500
  • Minimum Balance Required to Earn Interest: $2,000
  • Nationwide Fee-free ATM Access*
  • Overdraft Protection Option: We can ensure you always have sufficient funds available**

Interest Checking Account Rates

Deposit Tier Interest Rate APY*
$2,000 - $4,999.99 0.15% 0.15%
$5,000 - $9,999.99 0.16% 0.16%
$10,000 - $24,999.99 0.20% 0.20%
$25,000+ 0.30% 0.30%
Interest Rate APY*
0.15% 0.15%
Interest Rate APY*
0.16% 0.16%
Interest Rate APY*
0.20% 0.20%
Interest Rate APY*
0.30% 0.30%

Related Resources

Calculators

Access calculators to plan and manage your finances.

Blogs

Explore helpful articles, tips, and updates.

Webinars

Watch webinars to learn about finances, services, and more.

Events

Discover upcoming UMCU events.

Downloads

Find downloadable forms and account resources.
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FAQs

Please reach out to our Solutions Department as soon as possible. We understand that life happens, and our team is here to work with you to find a manageable path forward. Visit our appointment scheduler and select “Financial Hardship” and one of our experts will reach out to you. 
We encourage you to contact our Solutions Department even before a payment is missed. Whether you are facing a change in employment or an unexpected expense, our experts can review your account and discuss proactive options to help protect your credit and ease your financial stress. At UMCU, we are in your corner and committed to helping you navigate these transitions with confidence. Visit our appointment scheduler and select “Financial Hardship” and one of our experts will reach out to you.
We’re happy to provide FREE financial counseling to help get you back on track after a financial hardship! Visit our contact us page to schedule an appointment with a financial wellness expert. 
UMCU offers free, confidential, one-on-one financial counseling to members either in person or via telephone. These sessions are customized to your individual situation, and will always include a review and analysis of the monthly budget. Financial counselors are able to help members with credit issues, identifying options for debt management, and strategies to reduce expenses while increasing savings. The goal is to regain better control over the day-to-day finances, while also putting an emphasis on longer-term, sustainable financial health. Give us a call or schedule an appointment today!
In some situations, exploring a debt consolidation loan could be a viable option. If you find yourself with multiple unsecured debts, and many at high interest rates, a personal loan or a UMCU Visa® for debt consolidation could allow you to pay-off those debts with one new loan at a lower interest rate. It helps with getting the bills organized, and it can also save you money. UMCU’s My Choice Loan provides competitive rates and an easy application process. Credit is a factor, as is monthly income, so talk to a UMCU Member Service Representative today.
Yes, UMCU offers free monthly workshops that are designed to provide you that essential financial education to help build your knowledge and confidence. Topics rotate throughout the year, and workshops are offered at various times to accommodate schedules. Click here to view our upcoming webinars.
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Disclaimer

*It requires a minimum balance of $500.00 to avoid an $8.00 maintenance fee. APY = Annual Percentage Yield. Fees may reduce earnings on the Interest Checking Account.

*Free, unlimited access to more than 30,000 ATMs that are part of the CO-OP ATM network.

**Full details of Overdraft Policy and Opt-In

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