Checking Accounts

  
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Featured Rates
Auto Loans	as low as APR*
RV Loans	as low as APR*
Boat Loans	as low as APR*
Motorcycle Loans	as low as APR*
Mobile Home Loans	as low as APR*
Credit Cards	as low as APR*
Personal Loans	as low as APR*

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We offer a variety of checking options to meet the needs of every member.

Common Checking

Simple, convenient checking with a monthly fee that’s easy to reduce or eliminate.

Common Checking gives you the everyday banking essentials you need, with convenient digital access and surcharge-free ATM access. The $4 monthly service fee can be reduced by using services like your debit card and e-statements, or eliminated entirely when you maintain a balance of $10,000 or more.

Low $4 monthly service fee
Options to reduce or eliminate the monthly fee
No per-check charges
Access to surcharge-free ATMs
Visa® Debit Card included
Online banking and bill pay included
Mobile banking included
E-statements included
No minimum opening deposit required

Open An Account

USA Patriot Act - Customer/Member Identification Program

"To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents."

Make Your Monthly Fee Disappear!

When you do the following transactions and activities in your Common Checking Account during each Monthly Qualification Cycle, your monthly service fee of $4.00 will be reduced as follows until the fee is retired for that corresponding Statement Cycle:

$0.25 for each debit card purchase greater than $10 that posts and settles
$2.00 if you are enrolled in and agree to receive e-statements
$4.00 if you maintain a minimum daily account balance of $10,000.00

Transactions and activities may take one (1) or more days from the date transaction occurred to post and settle to the account.

Want a free account that earns rewards for doing similar activities? See our free Ultimate Checking Accounts!

To open a Common Checking, you must first open a regular share membership savings account. Common Checking is a checking account with no minimum balance with the ability to reduce and retire the account's monthly service fee by meeting minimum qualifications during the account's Monthly Qualification Cycle. When you do the following transactions and activities in your Common Checking account during each Monthly Qualification Cycle, your monthly service fee of $4.00 will be reduced as follows until the fee is retired for that corresponding Statement Cycle: $0.25 for each PIN-based and/or signature-based debit card purchase greater than $10.00 that posts and settles. $2.00 if you are enrolled in and agree to receive e-statements. The $4.00 fee will be reduced to $0.00 if your choice checking has a balance of $10,000.00.

Ultimate Cash Back Checking

Checking that rewards you with cash back on everyday purchases.

Ultimate Checking pays 2.50% cash back on qualifying debit card purchases of $10 or more, up to $4.50 each month. Plus, enjoy nationwide ATM fee refunds when you meet the monthly qualifications.*

Earn 2.50% cash back on qualifying debit card purchases of $10 or more*
No purchase category restrictions
Earn up to $4.50 cash back each month
Nationwide ATM fee refunds*
No monthly service fee
No minimum balance required to earn rewards
Access to surcharge-free ATMs
Debit card included
Online banking and bill pay included
Mobile banking included
E-statements included
No minimum opening deposit
Links to an Ultimate Saver account for automatic savings
Regular Shares Savings Account required for CCCU membership

Open An Account

How to Earn Your Rewards

Meet these simple requirements during each monthly qualification cycle:

Make at least 12 debit card purchases of $10 or more that post and settle to your account
Enroll in and receive e-statements
Enroll in and log in to online banking
Have at least one automatic payment, ACH debit or credit, or Remote Deposit post and settle

That’s it! If you don’t meet the qualifications one month, there’s still no monthly service fee—and you can start earning rewards again the next qualification cycle.

Important Account Information

Ultimate Cash Back requires a Regular Share Account with a minimum $5 deposit. When monthly qualifications are met, you’ll earn 2.50% cash back on qualifying debit card purchases, up to $4.50 per monthly qualification cycle.

Qualifying transactions must post to and settle your account during the monthly qualification cycle. Transactions may take one or more banking days to post and settle. ATM-processed transactions do not count toward the required debit card purchases.

The monthly qualification cycle begins on the first day of the current statement cycle and ends at the close of that statement cycle. Ultimate Cash Back rewards are credited to your Ultimate Saver account on the last day of the monthly statement cycle.

Domestic ATM fees incurred during the qualification cycle will be reimbursed when monthly qualifications are met. An ATM receipt is required for reimbursement of any individual ATM fee of $5 or more. Limit one Ultimate Cash Back account per Social Security number.

Ultimate Cash Checking

Checking that rewards higher balances with higher dividends.

Ultimate Cash Checking lets you earn a competitive rate on your balance while enjoying no monthly service fee and nationwide ATM fee refunds when you meet the monthly qualifications.*

Earn 2.50% APY** on balances up to $25,000
Earn 2.50%–0.76% APY** on balances over $25,000, depending on the account balance
Earn 0.01% APY** when monthly qualifications aren't met
Nationwide ATM fee refunds***
No monthly service fee
No minimum balance required to earn rewards
Access to surcharge-free ATMs
Mastercard® Debit Card included
Online banking and bill pay included
Mobile banking included
E-statements included
No minimum opening deposit
Links to an Ultimate Saver account for automatic savings
Regular Shares Account required for CCCU membership

Open An Account

Earning Your Rewards is Easy!

Meet these simple requirements during each monthly qualification cycle:

Make at least 12 debit card purchases of $10 or more that post and settle to your account
Enroll in and receive e-statements
Enroll in and log in to online banking
Have at least one automatic payment, ACH debit or credit, or Remote Deposit post and settle

That’s it! If you don’t meet the qualifications one month, there’s still no monthly service fee and your balance still earns the base dividend rate. You can start earning the full rewards again the next qualification cycle.

Important Account Information

APY = Annual Percentage Yield. Rates are accurate as of 9/1/2026. Rates may change after the account is opened. A Regular Share Account with a minimum $5 deposit is required.

When monthly qualifications are met: (1) domestic ATM fees incurred during the qualification cycle will be reimbursed and credited to the account on the last day of the monthly statement cycle; (2) balances up to $25,000 earn 2.75% APY; and (3) balances over $25,000 earn the applicable dividend rate on the portion of the balance over $25,000, resulting in an APY that varies depending on the account balance. If monthly qualifications are not met, all balances earn 0.01% APY.

Qualifying transactions must post to and settle the Ultimate Cash account during the monthly qualification cycle. Transactions may take one or more banking days to post and settle. ATM-processed transactions do not count toward qualifying debit card purchases.

The monthly qualification cycle begins on the first day of the current statement cycle and ends at the close of that statement cycle. Dividends earned in Ultimate Cash are automatically transferred to Ultimate Saver each statement cycle and do not compound in the Ultimate Cash account. As a result, the actual dividend paid may be less than the advertised Ultimate Cash APY. Ultimate Saver APYs may be lower than Ultimate Cash APYs.

Limit one account per Social Security number. An ATM receipt is required for reimbursement of any individual ATM fee of $5 or more.Share Draft Checking

A basic low-maintenance checking account that is easy to manage, no matter where you are!

The Basics

Simple checking with no monthly maintenance fee.

Regular Checking is available to members age 55 and older and members who already have an active Ultimate Account. It provides the everyday banking essentials you need with no monthly maintenance fee or per-check charges.