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Home » Accounts » Checking » High-Yield

High-Yield Checking Accounts with 5.00% APY**

Boost your balance and earn more with 5.00% APY** on a High-Yield Checking account--all with $0 monthly fees.2

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Earn More with a BluCurrent Credit Union High-Yield Checking Account

  • Put Your Money to Work: Your checking account should do more than just hold your money. Earn high yields and watch your balance grow effortlessly.
  • Access Your Money Anytime: Enjoy higher rates on your deposits without having to lock your money in a CD.
  • Keep More in Your Pocket:No monthly feees mean you keep of your hard-earned money in your account.
  • Have Peace of Mind with NCUA Insurance: Your deposits are federally insured by the NCUA (National Credit Union Administration) for up to $250,000.
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Earn High Yields on Your Everyday Balance

You already have money in a checking account—why not make it work harder for you? With High-Yield Checking, your deposits earn high yields, so your money grows while you go about your daily routine. Here are some additional details about our High-Yield Checking Account.

  • Earn 5.00% APY: Earn a high interest rate of 5.00% APY** on balances up to $7,500 when you enroll in eStatements, have a bill/ACH payment, and make at least 12 debit card purchases each month.
  • Pay no monthly maintenance fees: Enjoy high yields without services fees eating into your balance.
  • Maintain no minimum balance: There are no minimum balance requirements, so you don’t have to worry about it getting too low.
  • Get a free debit card: When you open your High-Yield Checking account, you'll receive a free debit card, making it easy to spend and manage your money.
  • Access Nationwide ATM Network3: Use ATMs across the country through the CO-OP Network and get unlimited ATM fee refunds so you can access your funds wherever you are.
  • Enjoy free eStatements: Say goodbye to paper clutter with free eStatements delivered directly to your inbox.
  • Access Your Account on the Go: Bank anytime, anywhere, with free online and mobile banking.

Ready to earn a higher rate? Click the button below to open a business certificate of deposit and watch your funds work harfer for your future needs.

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Ready to Open Your High-Yield Checking Account?

Step

1
Apply Online

Getting started is as easy as clicking the button!

Step

2
Connect with a Real Person

After you apply, a member service representative will reach out to set up your account.

Step

3
Watch Your Money Grow!

Now you can sit back, relax, and watch your money grow in your account with 5.00% APY.**

Open a High-Yield Checking Account
What our Members Have to Say

BluCurrent Credit Union High-Yield Checking Accounts FAQs

The Annual Percentage Yield (APY) and the interest rate are closely related but different concepts. Here's a breakdown:

  • Interest Rate:
    • This is the nominal rate at which interest is paid on your deposit. It does not take into account the effect of compounding.

  • Annual Percentage Yield (APY):
    • This reflects the total amount of interest earned over a year, including the effects of compound interest. Compounding occurs when interest is added to your balance, and then that interest also earns interest over time. Since APY includes compounding, it is typically higher than the nominal interest rate.

    A High-Yield Checking account works just like a regular checking account, but with one key difference—it helps your money grow faster. How much interest you can earn will depend on the financial institution and the account's specific terms.

    With BluCurrent Credit Union High-Yield Checking, you'll earn 5.00% APY** on balances up to $7,500. That means your money earns interest over time, and with compounding, your balance can grow even more. For example, if you maintain a $7,500 balance all year, you could earn around $375 in interest just by keeping your money in your account!

    To qualify for our best High-Yield Checking account rates, you must:

    • Keep your account balance at or below $7,500
    • Enroll in eStatements
    • Have a bill/ACH payment
    • Make at least 12 debit card transactions per month

    Transactions must post and clear your account during the monthly qualification cycle. Pending transactions do not count toward the requirement. Depending on the merchant, transactions may take one or more business days to process fully.

    If you don't meet the qualifications in a given month, you'll still earn 0.05% APY** — and you can qualify again the following month.

    No, but it is federally insured. At BluCurrent, our deposit accounts are covered by the NCUA (National Credit Union Administration) instead of the FDIC. This provides the same level of protection, just through an institution that supports credit unions like ours.
    No, our High-Yield Checking account has no monthly maintenance fees, so you can keep more of what you earn and maximize your savings.
    Registering your account in online banking is easy — it only takes about 5 minutes. Simply click here, follow the steps to confirm your identity, and you'll be all set to start managing your account online and through our mobile app.

    Ready to Take Grow Your Money Faster with a High-Yield Checking Account?

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    ** APY = Annual Percentage Yield. The interest rate and annual percentage yield may change every month based on the determination of the credit union board of directors.

    2 Must be enrolled in eStatements, have a bill/ACH payment, and have 12 debit card swipes.4

    3 ATM fees of $4.99 or less will be reimbursed up to a maximum of $4.99 per individual transaction. ATM fees of $5.00 and higher will be reimbursed if the appropriate ATM receipt is presented to a representative at one of our branches. If you believe that you have not been reimbursed the correct amount, please contact us. We must hear from you no later than 30 days after the statement cycle where the reimbursement was applicable.

    4 To qualify for key benefits, please note that transactions must post and clear to your account during the monthly qualification cycle. They may not be in a pending state to qualify as one of the qualifications. Transactions may take one or more business days from the date the transaction was made to post to and clear an account. Account disclosures, containing the required account information, will be provided to members before an account is opened or a service provided, whichever occurs first. Contact a BluCurrent representative for additional account details.