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Earn up to 5.50% APY1 with a High Yield Checking Account.

Unlock the full potential of your finances with a High-Yield Checking Account.

HIGH YIELD CHECKING ACCOUNT RATES

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

Rates as of: November 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
5.37%
APY1
5.50%
Account Balance
Daily Balance is greater than $20,000
Min Balance to Receive Dividends
$0.00
DIVIDEND RATE
0.25%
APY1
Ranges from .25% to 5.50%
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
.25%
APY1
.25%
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%

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

Start your High Yield Checking Account application

Perks of High Yield Checking

Maximize your money with our High Yield Checking Account featuring 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 High Yield Checking Account.

No Surprise Fees

With minimal requirements and no monthly fee, it's all about the perks with our High Yield 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.

Dividend Checking Account Features

Why earn less when you can earn more? With our Dividend Checking Account, 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 our Checking Account to other banks and you'll see!

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

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 Dividend 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.

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. 

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

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 Dividend or High Yield 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

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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 (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 Peak Checking (Dividend 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 (Dividend) or Peak Plus (High Yield) checking account per member.  See credit union Rate and Fee Schedule for more details.

3 Comparison based on Peak Checking (Dividend 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.