Free Rewards Checking

The Checking Account
that Pays

Earn 4.50% APY with our
Free Rewards Checking Account.¹

Experience the benefits of a Free Rewards Checking Account:

Earn 4.50% APY

on balances up to $25,000.¹

Get your Payday 2 days early

when you sign up for Direct Deposit.²

30,000+ ATMs

with $0 surcharge fees.

Free Rewards Checking Rates

Checking Rates

Minimum Balance to Earn DividendsDividend RateAPY1
FREE REWARDS CHECKING
$0 - $25,0004.41% Requirements Met24.50%
$25,000+.10% Requirements Met24.50% - 1.180%
All balances if qualifications not met0.01%0.01%
DISCLOSURES:  
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Rates effective as of May 1, 2026.

1APY=Annual Percentage Yield. Dividend Rate and APY may change anytime as determined by the credit unions board of directors. Dividends are compounded and credited monthly. Fees may reduce earnings.

2The requirements are: 1. Agree to receive e-Statements. 2. At least 12 purchases each month with your SCU Visa debit card. 3. At least one direct deposit or ACH auto debit posts and clears. 4. Log into SCU Mobile or Online Banking App. Monthly Qualification Cycle means the current Statement Cycle. Statement Cycle means the period of time covered by the statement for your account. The statement cycle begins on the first day of the calendar month and ends on the last day of the calendar month.
4.50% - 1.180% APY range assumes an account balance of up to $100,000.

Reward Qualifications
  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

It pays to bank with Sacramento Credit Union