High Yield Checking
Save more for what’s next by putting your money to work for you. You get all the features plus a monthly dividend.
📞 Call Us: (815) 673-5577
Maximize your money with a checking account that rewards your everyday banking habits. High Yield Checking is designed to help you grow your balance while enjoying convenient features and financial flexibility.
Why You'll Love It
- Free instant-issue debit card for immediate access to your funds
- First order of checks is free when ordered within 30 days of opening
- May qualify for a Credit Line Overdraft (CLOC) for added peace of mind
- Generous transaction limits: $3,000 POS / $500 ATM daily
- Earn up to 3.00% APY on balances up to $30,000 when you meet simple monthly activity requirements.
- Interest-bearing account with competitive tiered rates:
- Tier 1: 0.25% APY if requirements aren’t met, or any amounts over $30,000
- Tier 2: 3.00% APY on balances up to $30,000
How to Unlock the Highest Rate
- 10 debit card transactions per month
- eStatements
- $500 electronic deposit per month (direct deposit, online banking transfer, or ACH)
*APY = Annual Percentage Yield. Balances up to $30,000 will earn 3.00% APY. Balances over $30,000 will earn 0.25% APY. Rates are effective as of September 1, 2025, and are subject to change monthly after 12/31/25. **Qualification requirements apply. Federally insured by the NCUA.