Looking for an account that’s loaded with premium perks while also earning a great rate?
ChoicePlus+ Checking pays a whopping 3.25% APY on balances up to $10,000. Remaining balances above $10,000 earn 0.05% APY.
To qualify, you must:
- enroll in e-Statements,
- maintain monthly aggregate direct deposits1 of at least $2,000, and
- make at least 15 debit card transactions2 per month (excluding ATM withdrawals).
If you do not meet all qualification requirements, you will receive 0.05% APY on the account's total balance.
You can open one today with an initial deposit of at least $2,500. To avoid a monthly service fee of $12.00, you must maintain a minimum average daily balance of $2,500.
In addition to a great rate, you’ll also enjoy:
- Online and mobile banking to make managing your finances a breeze
- Sending money to friends and family safely and securely with Zelle®
- Access to your paycheck up to two days early with Early Deposit
- Staying on top of your credit with Credit Score & Report
- Visa® debit card with Mobile Wallet compatibility and tap-and-go payment technology
- No withdrawal fees from Avadian or CO-OP network ATMs
- Courtesy Pay along with optional Overdraft Protection for qualified members
A ChoicePlus+ Checking Account can also help you grow your savings:
- Pair it with a Centsible Savings Account and earn a quarterly dividend of 7% APY on the first $1,000 and 1.00% APY on tyour balance over $1,0003.
- Add a High-Yield Savings Account4 and earn 3.75% APY on balances up to $25,000 and 0.25% APY on remaining balances when you enroll in e-Statements and have monthly direct deposits of at least $500 to your ChoicePlus+ Checking Account. (If you're qualifying for the ChoicePlus+ interest, you've already met these criteria!)
And it now includes ALL of these:
- ATM fee refunds, up to $10 per month
- Discounted rates on new collateral loans, like boats or cars (excluding real estate loans)
- Bonus rates on CDs5
- 25% discount on Safe Deposit Box rentals
- No issuance fee on Cashier’s Checks (up to three per month)
- Free incoming and outgoing domestic wire transfers (up to two per month; we do not offer foreign wire transfers)
- A free box of checks per year6
Replaces Choice Checking With Interest.
APY=Annual Percentage Yield
Subject to membership and eligibility. APY accurate as of Jan. 2, 2024.
1Direct deposits are electronic deposits of items such as payroll, Social Security, retirement, or other government payments. Person-to-person transfers, account-to-account transfers, mobile deposits, or deposits made in-branch or at an ATM or ATM Plus+ do not qualify as direct deposit.
2Qualifying debit card transactions include purchases made using tap-and-go, PIN, signature, Apple Pay, Google Pay, Samsung Pay, and online. Non-qualifying debit card transactions include transfers, ATM inquiries, ATM withdrawals, ATM deposits, denied ATM transactions, and Automated Clearing House (ACH) transactions.
3Must have an Avadian checking account and debit card to open a Centsible Savings Account. Centsible Savings' APY is accurate as of Dec. 31, 2024. Minimum average daily balance to earn stated APY is $.01 at the end of each quarter. Dividends will be based on your average daily balance at the end of each quarter. Rate may change after the account is opened. Fees may reduce earnings. Cannot make deposits or transfers into a Centsible Savings Account.
4Limit one High-Yield Savings account per Primary member, regardless of how many open memberships you have. If all requirements are not met, then 0.25% APY shall apply to all balance ranges.
5Excludes CD Specials. Cannot be combined with other offers or promotions.
6Member is responsible for shipping and handling fees. Free box of checks is limited to select styles.
Rates shown are subject to change.