Free Rewards Checking

Does your checking account pay you?
Open Account

Earn more, every day:

Our Free Rewards Checking Account lets you earn 4.35% APY* on balances up to $20,000 and provides 24/7 access to fit your busy schedule.  So, get ready to do your happy dance!

  • $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

It's easy to earn your rewards:

Just follow the criteria below during each monthly qualification cycle**.

  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! 


Rates effective as of December 7, 2023.

Minimum Balance to Earn Dividends Dividend Rate APY*
Free Rewards Checking
$0 - $20,000 4.27% Requirements Met1 4.35%
$20,000+ 0.10% Requirements Met1 24.35% - 0.930%
All balances if qualifications not met 0.01% 0.01%%

*APY=Annual Percentage Yield. Minimum to open account is $25. Rate tiers are as follows: 4.35% APY applies to balances of $0.01 - $20,000 and 0.10% APY applies to balances over $20,000 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. 

**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.