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Unlock higher earnings with our Peak Checking high-yield account.

Earn 3.00% APY2 on up to $20,000 and no debit card transaction requirements, minimum balance, or monthly service fee.

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PEAK CHECKING / HIGH YIELD 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: May 8, 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.

Open Peak Checking Account online:

Peak Checking Account

Why earn less when you can earn more? With CCCU Peak Checking, you'll earn over 50 times the national average3 and put your money to work with one of the best checking accounts around. Just compare Peak Checking to other banks and you'll see!

Happy couple opens a new checking account to earn high dividends.

Earn More

Earn our highest APY2 on up to $20,000 with a monthly direct deposit.

No surprise fees

No debit card transaction requirements, minimum balance, or monthly service fee.

Low Minimums

Open a high yield Checking Account with just $25 and keep earning dividends with no minimum balance!

Bank On-the-Go

Free access to our Mobile Banking app, Debit Card Controls, Zelle®, access to 30,000+ ATMs, and more.
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Peak Checking Account Perks

You are the hero of your own financial success story. We’re here to guide you with no hidden fees, easy access to your money, and financial tools to help when you need it. 

To earn these perks, simply open a Peak Checking account, then deposit your paycheck, social security, or pension directly into your checking account by signing up for direct deposit. 

Open An Account
Man using online banking for his Peak Checking account with CCCU credit union in Portland Oregon
Woman getting money out of an ATM with her Peak Checking debit card from CCCU credit union in Portland Oregon.

What is a checking account?

A checking account is a bank account that keeps your funds accessible on demand for 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 30,000+ surcharge-free ATMs. 

What is a high-yield checking account? A checking account like our Peak Checking Account earns dividends. That means the money in your account grows each month based on the offered dividend rate. High-yield accounts simply offer a higher than average rate for meeting certain requirements.2

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

Open An Account
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What our members are saying:

“The absolute best customer service!!! They know me by name. They respect my time. They are kind to my kids. And, because of my direct deposit, I don't have a monthly fee! This bank made living through the pandemic just a little bit more bearable.”

Sofia S.

“They don’t make you jump through hoops just to get their amazing rate. Most banks have all these debit transaction requirements and you only get their rate up to maybe $1-5k! With Peak Checking I get that rate on up to $20,000. That’s the difference from the other banks and credit unions.”

Mark M.

“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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DISCLOSURES

2 APY= Annual Percentage Yield. Minimum opening balance of $25.00. To receive the higher 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. See our Rate and Fee Schedule for more details.

3 Comparison based on Peak Checking APY as of 03.01.23 vs. the bank national average checking rate of 0.06% APY as of 03.20.23 sourced from FDIC.

Membership eligibility required. Contact credit union for full details.

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© Consolidated Community Credit Union | Routing #: 323075136

Privacy Policy | Schedule of Fees & Rates | Disclosures 

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.