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Base Checking Account

Discover some of the best checking accounts around at CCCU, all of which come with access to thousands of fee-free ATMs, tons of convenient Mobile Banking tools, and much more.
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High-Yield Checking Account Rates

APY1= To receive the higher dividend rate for Apex Checking (High Yield Checking), the account must be enrolled in eStatements, must have a payroll, social security, or pension direct deposit each month, at least one log-in to the CCCU online banking system each month and a minimum of 10 debit transactions each month (ATM transactions do not count toward the debit card requirements). The 10 debit transactions must be posted to the account prior to the last business day of each month regardless of when the transaction was conducted. To receive the higher dividend rate for Ascent Checking, the account must have a payroll, social security or pension direct deposit each month. All account requirements must be met by the last day of the month to qualify for the higher rate. The cycle for each month begins on the first day of each month.  Only one Ascent or Apex (High Yield) checking account per member.  Application is subject to approval. See credit union Rate and Fee Schedule for more details.

Rates as of: February 1, 2025
Account Balance
Min Balance to Receive Dividends
DIVIDEND RATE
APY1
Account Balance
Daily Balance is $20,000 or less
Min Balance to Receive Dividends
$0.00
DIVIDEND RATE
4.889%
APY1
5.00%
Account Balance
Daily Balance is greater than $20,000
Min Balance to Receive Dividends
$0.00
DIVIDEND RATE
0.25%
APY1
Ranges from 0.25% to 5.00%
Account Balance
Min Balance to Receive Dividends
DIVIDEND RATE
(amount over $20,000)
APY1
(depending on balance)
Account Balance
Requirements Not Met
Min Balance to Receive Dividends
$0.00
DIVIDEND RATE
0.25%
APY1
0.25%
Rates as of: August 1, 2023
Account Balance
Min Balance to Receive Dividends
DIVIDEND RATE
APY1
Account Balance
Daily Balance is $20,000 or less
Min Balance to Receive Dividends
$0.00
DIVIDEND RATE
2.96%
APY1
0.25% - 3.00%
Account Balance
Daily Balance is greater than $20,000
Min Balance to Receive Dividends
$0.00
DIVIDEND RATE
0.25%
APY1
Ranges from 0.25% - 3.00%
Account Balance
Min Balance to Receive Dividends
DIVIDEND RATE
(amount over $20,000)
APY1
(depending on balance)
Account Balance
Requirements Not Met
Min Balance to Receive Dividends
$0.00
DIVIDEND RATE
0.25%
APY1
0.25%

APY1= To receive the higher dividend rate for Apex Checking (High Yield Checking), the account must be enrolled in eStatements, must have a payroll, social security, or pension direct deposit each month, at least one log-in to the CCCU online banking system each month and a minimum of 10 debit transactions each month (ATM transactions do not count toward the debit card requirements). The 10 debit transactions must be posted to the account prior to the last business day of each month regardless of when the transaction was conducted. To receive the higher dividend rate for Ascent Checking, the account must have a payroll, social security or pension direct deposit each month. All account requirements must be met by the last day of the month to qualify for the higher rate. The cycle for each month begins on the first day of each month.  Only one Ascent or Apex (High Yield) checking account per member.  Application is subject to approval. See credit union Rate and Fee Schedule for more details.

Start your Checking Account application

Base Checking Account Benefits

Our Base Checking Account is one of the best free checking accounts around! It covers all of your basic checking needs without a monthly service fee, and it's easy to open.

Young man in the city smiling after opening a simple checking account.

No Monthly Fee

Our Free Checking Account is just that - free! Enjoy the perks with no monthly fee.

24/7 Access

Enjoy access anytime, anywhere with free online and mobile banking.

Low Minimums

Our Base Checking Account has no minimum balance requirements and can be opened with just $5.

Free Bill Pay

We know you're busy - that's why we offer free Bill Pay. Easily set up your one-time or recurring payments!
Apply Now

What is a checking account?

A Checking Account is an account that grants on-demand access to your funds through cash withdrawals, debit card transactions, checks, and electronic transfers.

With a Checking Account at CCCU, you can access your account 24/7 through online and mobile banking, or in person at over 5,000 CO-OP Shared Branches and over 30,000 surcharge-free ATMs. 

Still have questions? Head to one of our local branches or give us a call at 503.232.8070

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Friends at cafe together who enjoy simple checking account from CCCU.
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What our members are saying:

“I have been a member in some capacity for almost 40 years. I no longer live in OR but have continued to do my banking with CCCU for almost 15 years. I could not be happier with my experience.”

Michael P.

“I banked with Wells Fargo my whole life and then switched to this place. Night and day! The tellers are friendly and remember my family's names, and I have done complicated banking maneuvers here (like with guardianship bank accounts, getting a mortgage and other tricky stuff) and have always been pleased with the humane and friendly way they worked with the bumps in the road. There are plenty of nice people at Wells Fargo but they are not authorized to help you the way the folks at CCCU are. Plus, they have little parties and they shred my sensitive documents. I love my credit union.”

Shuey F.

“After a lifetime of being with a Big Bank since the late 90s, I closed my account and went with CCCU. I never knew that the banking experience, services, and even higher yields were possible!!! These people are wonderful.” 

W.K.

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© Consolidated Community Credit Union 2025 | 2021 NE Sandy Blvd Portland, OR 97232 | Routing #: 323075136 

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CCCU is committed to serving all persons within its field of membership, including those with disabilities. We strive to make not only our physical branches accessible but also to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our branches or website, please contact us so that we may promptly assist you and remedy any accessibility concerns.

Consolidated Community Credit Union is an assumed business name of Consolidated Federal Credit Union. Consolidated Community Credit Union, CCCU, and Consolidated Federal Credit Union are service marks or registered service marks of Consolidated Federal Credit Union. All other marks not owned by Consolidated Federal Credit Union that appear herein are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by Consolidated Federal Credit Union. Consolidated Community Credit Union, CCCU-Cascade, and CCCU are trade names of Consolidated Federal Credit Union. Although these branches have different names, they are all part of the same credit union and shares held at each office are not separately insured.

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