Online Banking

Savings

Your Gateway to Membership

At Members Choice Credit Union, everyone is part of a community and we invite you to join the credit union community. With only a $5 deposit to a Savings Account, you can establish your Membership.

Features & Benefits

  • All the benefits of Credit Union membership
  • No Monthly or quarterly service charges on active savings accounts
  • Unlimited deposits and withdrawals1
  • Competitive dividends paid monthly
  • Overdraft Protection for your Checking Account

Reward Saver is a free savings account that is paired with Reward Checking to earn high dividends* & automatically save. (See rates below.)

Each time you qualify on Reward Checking, you get:

  • Great rewards & nationwide ATM fee refunds
  • Funds automatically deposited into your Reward Saver account
  • High interest on Reward Saver balances**

To qualify on both accounts each monthly qualification cycle, just do the following on your Reward Checking Account:

  • Have at least 10 debit card purchases post and clear
  • Receive eStatements
  • Have at least one direct deposit or ACH auto debit post and clear

Open an Account Now!

Reward Saver Rates

Amount Dividend Rates APY*
$0-$10,000 if requirements are met in Reward Checking .20% .20%
Above $10,000 if requirements are met .15% .15%
If requirements are not met - all balances .05% .05%

Reward Checking Rates

Amount Dividend Rates APY*
$0-$10,000 if requirements are met .30% .30%
Above $10,000 if requirements are met .15% .15%
If requirements are not met - all balances .05% .05%

1 Due to Regulation D – a regulation of the federal government – electronic withdrawals are limited to six (6) per month.
* APY=Annual Percentage Yield. All APYs are accurate as 01/01/17. Dividends for these accounts are calculated on a daily balance method. All yields are calculated on monthly dividend payments.

The advertised Reward Checking APY is based on compounding dividends. The dividends earned in Reward Checking are automatically transferred to Reward Saver each statement cycle and does not compound. The actual dividends paid could be less than the advertised Reward Checking APY. The Reward Saver APYs may be less than the Reward Checking APYs. All rates may change after the account is opened. Fees may reduce earnings. The minimum to open is $25.00 for Reward Checking and $5.00 for Reward Saver. Balances up to $10,000 receive an APY of .30% if qualifications are met each monthly qualification cycle. Balances above $10,000 receive a dividend rate of 0.15% on the portion of the balance above $10,000 if qualifications are met each monthly qualification cycle. As a result, the APY for balances above $10,000 will range from .30% – 0.15% if qualifications are met each monthly qualification cycle, depending on the balance in the account. If qualifications are not met, the APY will be 0.05% on all balances. Qualifying transactions must post to and clear the Reward Checking account during the monthly qualification cycle. 

Transactions may take one or more banking days from the date the transaction was made to post to an account. Transfers between your accounts with us do not count as qualifying transactions. The monthly qualification cycle is the same as your monthly statement cycle. Contact us for more information about the monthly qualification cycle. **Balances up to $10,000 in the Reward Saver account receive a dividend rate of .20% if qualifications in the Reward Checking account are met each monthly qualification cycle. Balances above $10,000 receive an interest rate of 0.15% on the portion of the balance above $10,000 if qualifications in the Reward Checking account are met each monthly qualification cycle. As a result, the APY for balances above $10,000 will range from .20% – 0.15% if qualifications in the Reward Checking account are met each monthly qualification cycle, depending on the balance in the account. If qualifications in the Reward Checking account are not met, the APY will be 0.05% on all balances in the Reward Saver account. One Reward Saver account per member number.

†ATM fees incurred during the monthly qualification cycle will be reimbursed up to $25 if qualifications are met during the monthly qualification cycle. If you believe that you have not been reimbursed the correct amount, please contact us within 30 days after the statement cycle. ATM-processed transactions do not count towards qualifying debit card transactions.

Members Choice Credit Union

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