Rewards Checking

Get the account that Rewards you the most!

Get the free checking account that rewards you the most, with 1.50% APY* on your checking balance. There are no monthly service charges or minimum balance requirements to earn rewards -- you can even get ATM fee refunds* nationwide!

Each monthly qualification cycle you qualify, you'll receive these outstanding rewards. And if for some reason you don't qualify one cycle, you can always get the rewards the following cycle you qualify! It's easy!

Why is it so Rewarding?

  • 1.50% APY* on balances up to $25,000
  • 1.50% to 0.28% APY on balances over $25,000 depending on balance in account*
  • 0.05% APY* base rate if qualifications aren't met
  • Nationwide ATM fee refunds up to $25 each month you qualify*
  • It's a free account! No monthly service charges or minimum balance required to earn rewards
  • First Pay - get paid up to two days before your co-workers!***
  • Free debit card
  • Free Online Banking, Bill Payer, and Mobile Banking
  • Free CALL 24 Access Line Telephone Banking
  • Free ATMs nationwide via the CO-OP network
  • Access to the CO-OP Shared Branching Network
  • Direct deposit available
  • ACH origination services
  • NCUA insured

As an added bonus.....

You're eligible to open our new Rewards Saver Account, which is a high-interest savings solution!  Each  month you qualify in your Rewards Checking account, your Saver account will earn 0.50% APY** on balances up to $25,000.  Plus, your Rewards will automatically transfer into your Saver, making it easier to save!

How do I qualify?

  • Have at least 12 debit card purchases (PIN - or signature-based, ATM withdrawals do not qualify) post and settle to the account
  • Have at least one direct deposit or ACH auto debit post and settle to your Rewards Checking Account
  • Be enrolled in and receive our free, paperless eStatements

Apply Now for your Rewards Checking Account!

The Fine Print
*Annual Percentage Yield (APY) accurate as of 03/01/14. Rate tiers are as follows: 1.50% APY paid on balances between $0.01 - $25,000, and 0.10% dividend rate paid on all amounts above $25,000 each monthly qualification cycle the minimum qualifications are met resulting in an effective APY range of 1.50% to 0.28% (assuming a $125,000 balance). If you do not meet the qualifications one cycle, your account will function as a free checking account earning a rate of 0.05%, however, it will not receive ATM fee refunds for that cycle. Debit card transactions must be point of sale or signature based transactions. ATM withdrawals do not count towards qualifying debit card transactions. All qualification transactions must post and settle to the account during the qualification cycle. Transactions could take anywhere from, but not limited to, 1-5 business days to post to and settle to an account from the date the transaction is made. Dividends are paid on the last business day of the month, therefore all debit card transactions must be executed, and must post and settle to the account, by one business day prior to the last business day of the month. Debit card purchases authorized after a given month's statement cycle end-date will be included in the following month's qualifying transaction totals. To qualify for ATM fee refunds, the ATM withdrawal must be withdrawn from the Rewards Checking, no other accounts qualify. Available to personal accounts only: one account per unique SSN. We may change the interest rate and APY at any time after the account is opened. Members First Checking Accounts do not feature a monthly service charge, nor is there a minimum balance required to maintain the account. Minimum deposit of $25.00 required to open a Members First Checking account. Past financial history is verified and Members First reserves the right to deny account opening requests. Fees may reduce earnings. The above offer is subject to change without notice.

** To be eligible for a Saver Account, you must open a Rewards Checking account. If qualifications in Rewards Checking are met each monthly qualification cycle: (1) balances up to $25,000 in SAVER receive an APY of 0.50%; and (2) balances over $25,000 in SAVER earn 0.10% interest rate on portion of balance over $25,000, resulting in 0.50% - 0.18% APY depending on the balance. If qualifications are not met in Rewards Checking, all balances in the SAVER account will earn 0.05% APY.

*** To qualify for First Pay you must have direct deposit into your Members First Credit Union checking account and be a member in good standing. First Pay offers immediate credit of your direct deposit to your Members First account up to two (2) days early based upon when we receive your payroll from your employer or payroll company. As the deposit is based upon when we receive the funds, Members First cannot assume any liability for not depositing these funds to your account early. This offer is subject to change without notice.

Go Mobile

Go Mobile

With Mobile Banking, you can access your account from anywhere, at anytime!Learn More!
Shared Branching

Shared Branching

As our member, you can access your accounts at convenient locations nationwide!LEARN MORE!