1.76%APY*

Free Rewards Checking.

Open Account

Earn more, every day:


You deserve a checking account that works in your best interests. Our Free Rewards Checking Account lets you earn 1.76% APY* on balances up to $15,000 and provides 24/7 access to fit your busy schedule. 

  • $25 minimum deposit to open
  • No monthly service fee or minimum balance requirement
  • Access to Online, Mobile and Telephone Banking
  • Free ATM access at Sacramento Credit Union (SCU) ATMs and those within the nationwide CO-OP Network
  • ATM fee refunds available for out-of-network transactions*
  • Free Bill Pay
  • Click here to check rates

It's easy to earn your rewards:


Just follow the criteria below during each monthly qualification cycle calendar for 2021**

  1. View your monthly statement via e-Statements
  2. Make at least 12 purchases each month with your SCU Visa debit card
  3. Make sure at least one direct deposit or ACH auto debit posts and clears
Open your account today and start earning! Click the button above. 

*APY=Annual Percentage Yield. Minimum to open account is $25. Rate tiers are as follows: 1.76% APY applies to balances of $0.01 - $15,000 and 0.05% APY applies to balances over $15,000 if qualifications are met during the monthly qualification cycle. 0.01% APY applies to all balances if monthly qualifications are not met. Rates may change after the account is opened. Fees may reduce earnings. Qualifying transactions must post and clear the account during the monthly qualification cycle. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Intra-bank transfers do not count as qualifying ACH transactions. ATM Fee reimbursements on ATM surcharge fees, up to $4.99 per transaction up to $25 provided only if qualifications are met within the monthly qualification cycle. ATM fees of $5.00 and higher will be reimbursed if the appropriate ATM receipt is presented to a representative at one of our branches. Checking account opened must be qualified based upon standard Sacramento Credit Union guidelines. Existing Sacramento Credit Union checking account holders are ineligible for the $150 bonus. Direct Deposit (electronic transfer for payroll, pension or government benefits) must post to new checking account by day 60 after account opening. A $150 bonus will be deposited into the new free checking account on the first business day after 60 days of the account opening. Bonus is considered interest and will be reported on IRS form 1099-I. 

**Click the link to view the monthly qualification cycle calendar for 2021.