Windfall Checking

Earn:

3.50% APY 1

You work hard for your money and with Windfall Checking, our FREE high-yield checking account, your funds will work just as hard as you do.

OPEN ACCOUNT

High-Yield Checking

Turn everyday banking into everyday earning! With CCU’s Windfall Checking, you’ll have zero monthly fees, no balance requirements, and straightforward checking you can trust.

no monthly fees

ATM fees Refunded2

Monthly Earnings

READY TO START EARNING?

Take the next step toward smarter, more rewarding checking with CCU.

OPEN ACCOUNT

earning is easy

To earn your 3.50% APY each month, you’ll need to meet these 3 requirements during each qualification period. If you don’t meet all the requirements, don’t worry. You can maximize your earnings the following month.

have direct deposit

Have a direct deposit into your account during the qualification period.

SIGN UP FOR eSTATeMENTS

12 CCU Card purchases

Have at least 12 CCU Visa® credit or debit card purchases posted to your account each qualification period.

what members have to say about windfall

"Great service always at all CCU branches, and also by phone. Love Windfall Checking!"

Helen H. - Member

"Windfall checking is an exceptional product."

Ingrid O. - Member

"Excellent value in the windfall account. Excellent customer service."

Joanne S. - Member

"Employees are well trained, and I especially like that I earn good interest on my Windfall checking account."

Catherine H. - Member

1-APY=Annual Percentage Yield. APY is effective as of February 20, 2025, and is subject to change. Dividends paid on balances up to $20,000.To qualify for a Windfall Checking dividend, member must: have at least 12 CCU Visa® credit or debit card purchases posted to their account each qualification period, have a direct deposit or ACH into their account each qualification period, and receive eStatements. If requirements are not met, no dividend will be paid. The qualification period runs from the 26th of the month through the 25th of the following month.

2-To qualify for ATM fee refunds, member must: have at least 12 CCU Visa® credit or debit card purchases posted to their account each qualification period, have a direct deposit or ACH into their account each qualification period, and receive eStatements. ATM fees refunded up to $30 per qualification period. If requirements are not met, no ATM fees will be refunded. The qualification period runs from the 26th of the month through the 25th of the following month. Restrictions may apply. Ask for details.