<img height="1" width="1" style="display:none" src="https://www.facebook.com/tr?id=847793522993362&amp;ev=PageView&amp;noscript=1">

Simple 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.

Peak Checking Account Rates

1APY=Annual Percentage Yield. Minimum opening balance of $25.00. To receive the higher rate APY on balances up to $20,000, Peak Checking accounts 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 dividend rate. The cycle for each month begins on the first day of each month. If account requirements are not met, standard checking dividend rates apply. Rates may change without notice. Application is subject to membership eligibility and approval.

Rates as of: August 1, 2023
Account Balance
Min Balance to Receive Dividends
DIVIDEND RATE
APY1
Account Balance
$0 - $20,000.00
Min Balance to Receive Dividends
$0.00
DIVIDEND RATE
2.96%
APY1
0.25% - 3.00%
Account Balance
$20,000.01+
Min Balance to Receive Dividends
$0.00
DIVIDEND RATE
0.25%
APY1
0.25%

1APY=Annual Percentage Yield. Minimum opening balance of $25.00. To receive the higher rate APY on balances up to $20,000, Peak Checking accounts 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 dividend rate. The cycle for each month begins on the first day of each month. If account requirements are not met, standard checking dividend rates apply. Rates may change without notice. Application is subject to membership eligibility and approval.

Start your Checking Account application

Simple Checking Account Benefits

Our Simple 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 Simple 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!

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

Friends at cafe together who enjoy simple checking account from CCCU.
CCCU Budgeting eBook

Start building your perfect budget today!

Our Budgeting Tips and Tricks: Quick Solutions to Start Saving Today guide provides everything you need to build your perfect budget and start saving money today.

Ready to get started? Download your guide now:

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.