Earn up to 4.5% APY¹ with a High Yield Checking Account.

Unlock the full potential of your finances with our new Peak Plus Checking Account

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HIGH YIELD CHECKING ACCOUNT RATES

Peak Plus Checking
Peak Checking

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

4.41%

APY¹

0.25 - 4.50%

Account Balance

$20,000.01+

Min Balance to Receive Dividends

$0.00

DIVIDEND RATE

0.25%

APY¹

0.25%

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%

APY¹= To receive the higher dividend rate for Peak Plus 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 Peak 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 Peak or Peak Plus checking account per member. Application is subject to approval. See credit union Rate and Fee Schedule for more details.

Start your Peak Checking Account application

Peak Plus Checking Account Benefits

Maximize your money with Peak Plus. This High Yield Checking Account features our highest APY with minimal account requirements.

Direct Deposit
Sign up for eStatements
Login to Online Banking once per month
10 Debit Card transactions per month

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

Maximize Earnings

Make your money work for you! Earn our highest APY² with a Peak Plus Checking Account.

No Surprise Fees

With minimal requirements and no monthly fee, it's all about the perks with our Peak Plus Checking Account!

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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About Our Peak Checking Account

Why earn less when you can earn more? With CCCU Peak Checking, you'll earn over 50 times the national average³and put your money to work with one of the best checking accounts around. Just compare Peak Checking to other banks and you'll see!

Earn More

Earn a higher APY² on up to $20,000 with a monthly direct deposit and minimal requirements.

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.

Open An Account

Our 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.

24/7 access with digital banking
Access to 5,000+ CO-OP Shared Branches and over 30,000 surcharge-free ATMs worldwide
Zelle^® digital payments
Account alerts and debit card controls
Mobile deposit
Bill pay
eStatements
Digital Wallet

To earn these perks, simply open a Checking Account, then deposit your paycheck, social security, or pension directly into your 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

Uncover hidden credit card perks with your free guide.

Our free guide, The Best Credit Cards Always Offer These Hidden Benefits, reveals the out of sight benefits you should be researching and comparing as you search for the best credit card for your needs.

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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.

DISCLOSURES

² APY= Annual Percentage Yield. Minimum opening balance of $25.00. To receive the higher APY on balances up to $20,000 you must meet the monthly requirements. Peak Plus 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 Peak 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 Peak or Peak Plus checking account per member. See credit union 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.

Earn up to 4.5% APY¹ with a High Yield Checking Account.

HIGH YIELD CHECKING ACCOUNT RATES

Start your Peak Checking Account application