The Checking Account
that Pays

¹ APY=Annual Percentage Yield. Minimum to open account is $25. Rate tiers are as follows: 4.50% APY applies to balances of $0.01 - $25,000 and 0.10% APY applies to balances over $25,000 if qualifications are met during the monthly qualification cycle. Monthly qualifications are: 1. Agree to revive 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.

² We offer the possibility of accessing incoming direct deposits made through ACH up to two days prior to the scheduled payment date. While we strive to provide early availability for direct deposits, it's important to note that this service is not guaranteed, and availability may vary for each deposit. Factors such as the timing of the originator's instructions, any predetermined limitations on early availability, and fraud prevention screening may influence fund availability. Please note that certain types of deposits, such as physical checks, remote check deposits, and other online transfers or electronic credits, are not eligible for Early Pay Day deposits or credits to your account.