Checking Rates
Checking accounts that fit your spending style.
Free checking with great benefits.
Convenience, plus choose high yields or rewards.
Convenience, plus choose high yields or rewards.
Checking Rates
Whether you're looking for a simple banking experience or to increase your dividend earning potential, there's a checking account that's perfect for you.
Everyday Checking Account
| Account | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| Everyday Checking Account | 0.01% | 0.01% |
Rates effective as of September 1, 2025 and subject to change.
Above are prospective dividend rates for the current period.
Fees may reduce earnings
Membership with a $5 Share Account required.
High-Yield Checking Account
| If Requirements are Met | Dividend Rate1 | Annual Percentage Yield |
|---|---|---|
| On the first $25,000 | 3.00% | 3.04% |
| Amounts over $25,000 | 0.01% | 0.01% - 3.04% |
| If Requirements are Not Met | Dividend Rate1 | Annual Percentage Yield |
|---|---|---|
| All Balances | 0.01% | 0.01% |
Rates effective as of September 1, 2025 and subject to change.
Above are prospective dividend rates for the current period.
Fees may reduce earnings
Membership with a $5 Share Account required.
Savings & Checking Disclosure & Fee Schedule
1Dividends are calculated based on the average daily balance in the account. If requirements are met, a higher rate will be paid for the first $25,000 and a lower rate will be paid for any amounts over $25,000. If requirements are not met, your dividend rate on your entire balance will be the lower rate.
To earn the higher dividend rate, members must meet the following requirements:
- Must be enrolled in eDocuments
- Must have ACH direct deposit(s) totaling $1000 or more in the 34 calendar days preceding the last day of the month. Income earned through self-employment or working an IRS classified “Gig Economy” job does not qualify as direct deposit.
- Must have 15 net PIN or signature point-of-sale debit or credit card transactions over $5 in the 34 calendar days preceding the last business day of the month. The net is calculated by counting the number of PIN and signature point-of-sale debit purchase transactions over $5 on a Wings debit or credit card and subtracting any PIN or signature point-of-sale return transactions processed during that period.
Above are prospective dividend rates for the current period.
Fees may reduce earnings
Membership with a $5 Share Account required.
Savings & Checking Disclosure & Fee Schedule
1Dividends are calculated based on the average daily balance in the account. If requirements are met, a higher rate will be paid for the first $25,000 and a lower rate will be paid for any amounts over $25,000. If requirements are not met, your dividend rate on your entire balance will be the lower rate.
To earn the higher dividend rate, members must meet the following requirements:
- Must be enrolled in eDocuments
- Must have ACH direct deposit(s) totaling $1000 or more in the 34 calendar days preceding the last day of the month. Income earned through self-employment or working an IRS classified “Gig Economy” job does not qualify as direct deposit.
- Must have 15 net PIN or signature point-of-sale debit or credit card transactions over $5 in the 34 calendar days preceding the last business day of the month. The net is calculated by counting the number of PIN and signature point-of-sale debit purchase transactions over $5 on a Wings debit or credit card and subtracting any PIN or signature point-of-sale return transactions processed during that period.
Student Spend Account
| Account | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| Student Spend Account | 0.01% | 0.01% |
Rates effective as of September 1, 2025 and subject to change.
Above are prospective dividend rates for the current period.
Fees may reduce earnings.
Must enroll in eDocuments or will receive a Paper Statement Fee of $3 per month.
Account not eligible for Overdraft Protection Plus.
Membership with a $5 Share Account required.
Above are prospective dividend rates for the current period.
Fees may reduce earnings.
Must enroll in eDocuments or will receive a Paper Statement Fee of $3 per month.
Account not eligible for Overdraft Protection Plus.
Membership with a $5 Share Account required.