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Dividend Checking

Earn dividends on your balance and rewards on your spending

Benefit from two unique ways to earn so you can improve your financial life.


Save more money by earning monthly dividends on your everyday checking account balance.

Dividend Earning Checking

As high as  % APY

High Balance Dividend Checking

As high as  % APY


Earn dividends while you spend

Use dividend checking as your everyday account to spend on the things you need and want, and still save a little with the dividends you earn.

No fees with minimum balance

Keep a minimum balance of $500 and you won't pay a minimum balance fee.

Nationwide ATM access

Enjoy free access to 30,000 Co-op® network ATMs nationwide, plus up to 4 reimbursements per month for ATMs outside our network when you have an active RCU loan or credit card.2

Free overdraft protection options

There are several options to help protect your checking account from overdraft charges.

Learn about our options

And more...

Good to know

Monthly fee if minimum is not met

If your balance is below $500, a fee of $3 will be charged monthly.

Why Choose RCU?

At RCU, we’re passionate about helping our Members improve their lives. If you want a credit union that keeps your unique needs in mind and helps you envision and manage your financial future, the friendly experts at RCU are here for you.

America's Best Credit Unions by Newsweek 2024

Named one of America’s Best Credit Unions by Newsweek

America's Best Small Employers by Forbes 2023

Recognized by Forbes as one of America’s Best Small Employers 2023

I have been a Member for over ten years and I have nothing but good experiences with their employees. They all are extremely helpful and nothing but friendly and I am truly grateful for everyone working there. Thank you all!"

— Delaina M.

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Deposit checks

Report lost or stolen cards with the click of a button.

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Have a question?

At RCU, we're known for our reliable service, and we'll answer your questions and calls quickly.

Start earning dividends on your checking account balance

Your money is working for you when you keep your hard-earned cash in a dividend checking account! Deposit your money anytime, and enjoy monthly dividends on your balance.

  • 1Rates are effective July 21, 2024 and are subject to change without notice. APY=Annual Percentage Yield. Fees may reduce earnings. Minimum balance to open account: $500.00 Minimum balance to avoid a fee: $500.00

    2First two non-RCU ATM fees reimbursed with active checking; first four non-RCU ATM fees reimbursed with active checking and active RCU loan or credit card. Active = at least one transaction or payment in prior month. (Up to $10 per transaction, casino/gambling and ATMs outside U.S. excluded from reimbursement).