Interest Plus Checking

It’s simple to qualify each month to earn the High Reward Rate.

There are three easy steps:

  • Enroll in eStatements – receive your statements electronically
  • Have one direct deposit or one ACH (Electronic Payment)
  • Conduct a minimum of ten debit card swipe and sign purchases (Credit transactions/Non-PIN based).

NOTE: A debit card purchase using your PIN will not count as a debit card swipe and sign purchases. All direct deposit, ACH and debit card swipe and sign purchases must post to your account by 6:00pm (EST) on the last business day of the month to count towards that month.

Interest Plus Checking

Earn a Reward Rate up to

1.25% APY*

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  • Earn High Reward Rate of 1.25% APY* on balances up to $25,000
  • Earn High Reward Rate of 0.10% APY* on balances over $25,000
  • Earn Base Rate of 0.05% APY* if you don’t meet qualifications
  • ATM fee refunds from other financial institutions nation-wide, up to $25.00 per month* (does not include international ATMs)
  • Free Mobile Check Deposit
  • Digital Wallet payment options**
  • Verified by Visa® protects your existing Visa® card with a personal password, giving you reassurance that only you can use your Visa® card online. Click here for details.
  • Visa® Purchase Alerts help you keep tabs on your account anytime, anywhere. Near real-time alerts powered by Visa help you reduce fraud and monitor your spending. And the service is available free for Visa cardholders. To sign up, go to

Additional benefits from UFCU

  • A whole range of electronic services: Online Banking with Bill Pay, eStatements email alerts and online access to all your accounts
  • Overdraft protection from your savings account(s), along with Courtesy Pay protection up to $1,000 is available to save you embarrassment and expense of Non-Sufficient Funds (NSF) items! Click here for Courtesy Pay disclosures.
  • Free private and personal Financial Planning and Financial Seminars
  • Free Medallion (Signature Guarantee) and notary services

Open an account online, on the phone, or in person

It’s fast and easy!

Open Now

*Federally insured by NCUA. Annual Percentage Yield (APY) as of 2/25/15; subject to change. Minimum opening balance of $50 required. Reward Rate may be earned on account balances up to $25,000; 0.10% APY earned on balances above $25,000. Reward Rate requires enrollment in e-Statements, Direct Deposit or 1 ACH per month, and 10 signature-based (non-PIN) Debit Card transactions posted per month to earn Reward Rate; (0.05% APY earned if not meeting requirements). One account per Member. ATM foreign surcharge fees will be refunded monthly up to $25/month; excludes international ATMs, balance inquiry, and ATM deposit fees. Members not meeting requirements will not earn ATM foreign surcharge fee refunds.
**Message and data rates may apply. Android Pay is a trademark of Google Inc. Apple Pay is a registered trademark of Apple, Inc., registered in the U.S. and other countries. Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.

More Checking Options from UFCU

Rewards Checking

Enjoy checking with rewards. No monthly fees or minimum balance requirements.

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This account is great for students, travel or purchasing items online.

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Platinum Plus Checking

Get high-yield checking and extra benefits on your loans and other deposits at UFCU.

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