High-Yield Checking
Earn 5.12% APY with High-Yield Checking.1skip to disclosure
No minimum balance fee. No monthly maintenance fee.
Just monthly dividends.
Earn over 70x the national average with High-Yield Checking.*skip to disclosure
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Earn 5.12% APY
on High-Yield Checking monthly account balances up to $15,000.1skip to disclosure
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$20/month in ATM rebates
We refund other banks' ATM fees—up to $20/month.2skip to disclosure
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No monthly maintenance fees
Unlike the big banks, we don't think service fees are very serviceable.
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No minimum balance fee
Balances fluctuate. We believe you shouldn't be penalized for that.
Requirements to earn 5.12% APY1skip to disclosure
Even if you don't meet the requirements to earn 5.12% APY each month, you'll still earn 0.05% APY1skip to disclosure.
1
Sign up for free eStatements.
2
Spend $1,200 or more per billing cycle with any DuPage Credit Union credit card.
Fee transparency
Most banks require you to have a minimum balance or recurring direct deposit to "avoid" fees. That just doesn't jibe with the credit union spirit. We work hard to make your accounts fee-free.
| High-Yield Checking Fees | |
|---|---|
| Monthly Service | $0 |
| Minimum Balance | $0 |
| ATM fee (in network) | $0 |
| ATM fee (out of network) | $0 |
Included with every checking account.
Bundle and earn even more.
You can bundle your checking, savings, credit card, and/or certificate for maximum earning potential. Use the calculator below to estimate your annual earnings.
High-Yield Checking Average Balance 
Earn 5.12% Annual Percentage Yield¹skip to disclosure on balances up to $15,000.Learn more about High-Yield Savings
| $ |
High-Yield Savings Average Balance Earn 1.00% Annual Percentage Yield³skip to disclosure on balances up to $55,000. Learn more about High-Yield Savings
| $ |
Average Monthly Credit Card Spend
| $ |
Annual Earnings†skip to disclosure
| From High-Yield Checking1skip to disclosure: | $0 |
| From High-Yield Savings3skip to disclosure: | $0 |
| From Inspire Card4skip to disclosure: | $0 |
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Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Earn up to 3% cash back on top of the High-Yield Checking dividends.
Earn up to 3% cash back with the no annual fee with the Inspire Cash Back Signature card.4skip to disclosure
Get help with High-Yield Checking.
You can view the dividends you earned in Digital Banking by selecting your High-Yield Checking account and searching for “Split Rate” in your transactions.
The total spend during the previous month’s billing cycle will be used to determine if you qualify for the higher dividend.
Yes, ATM transactions, the purchase of money orders or any cash back requested over point-of-sale, cash advances, and Peer to Peer transactions may be excluded from earning 5.12% APY. In addition, purchases made using third party payment accounts such as (Venmo and PayPal), may not be eligible for the higher APY.
Yes, if you have multiple DuPage Credit Union credit cards under the same membership account number, the combined total of all of the purchases will go toward your $1,200 per billing cycle spend requirement. To view qualifying cards, log in to your Digital Banking account.
Yes, you’ll earn 5.12% APY on balances up to $15,000. After that, you’ll earn dividends at the stated Membership Savings account rate.
Any ATM fee credits ($20/month limit) will be posted to your account on the last day of the month.
In order to earn 5.12% APY, you must (1) Sign up for eStatements, and (2) Spend $1,200 or more per billing cycle on any DuPage Credit Union credit card. Even if you don’t meet these requirements, you’ll still receive the stated Membership Savings account rate and you won’t pay a minimum balance or service fee.
To set up direct deposit, contact your employer and provide them with your DuPage Credit Union account number and our routing number: 271990198.
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High-Yield Checking APY = Annual Percentage Yield. The High-Yield Checking dividend provides a 5.12% APY on checking balances up to a maximum of $15,000. Balances above $15,000 will be paid the stated Membership Savings Rate. See current rates. APY is accurate as of the last dividend declaration date. Checking dividends may change after the account is opened and is subject to change on a monthly basis. To qualify for the higher APY, you must meet the following requirements; otherwise, the APY will be paid at the stated Membership Savings rate on the entire balance of the account: be enrolled to receive eStatements; and spend a minimum of $1,200 during the previous billing cycle with a DuPage Credit Union Visa® Credit Card on qualifying purchases (net spend for the previous statement cycle). ATM transactions, the purchase of money orders or any cash back requested over point-of-sale, cash advances, and Peer to Peer transactions may not be eligible for the higher APY. In addition, purchases made using third party payment accounts (such as Venmo and PayPal), may not be eligible for the higher APY. No minimum balance requirements apply to this account. No monthly maintenance fee. Other restrictions may apply. Must have a Credit Union membership established and be in good standing.
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You may receive ATM rebates up to a cap of $20 per month including other financial institution fees imposed (excluding Visa foreign transaction fees). You must meet the High-Yield checking qualifications each month to receive the ATM rebates.
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High-Yield Savings Account APY = Annual Percentage Yield. No minimum balance requirements apply to this account. This is a tiered dividend rate savings account. The rate may change after the account is opened. APY is accurate of the last dividend declaration date. Daily balances up to $55,000 will earn the higher dividend rate. Balances $55,000 or more will earn the stated Membership Savings rate. You must meet the following requirements to earn the High-Yield Savings account annual percentage yield; otherwise, dividends will be paid at the stated Membership Savings rate. See current rates. Must have a Cash Back Checking account or High-Yield Checking account and meet the minimum requirements each month. If at any time the Cash Back or High-Yield Checking account is closed, the High-Yield Savings account will also be closed. Earning may be reduced if fees are incurred. Other restrictions may apply. Must have a Credit Union membership established and be in good standing.
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Inspire Cash Back Signature accounts earn up to 3% cash back for every net dollar spent on qualifying dining, travel & entertainment purchases from participating merchants. $5 minimum balance earned is required to redeem cash back online. Must have a Credit Union membership established and be in good standing. Other restrictions may apply. Refer to Truth-In-Lending Terms and Conditions Disclosures for details.
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Cash back is earned in net dollars on qualifying credit card purchases from participating merchants. $5 minimum balance earned is required to redeem cash back online. Must have a Credit Union membership established and be in good standing. Other restrictions may apply. Refer to Truth-In-Lending Terms and Conditions Disclosures for details.
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Annual Percentage Rate (APR). Variable rates as low as 16.99% to 24.99% APR. The rate you qualify for is based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Refer to Truth-In-Lending Terms and Conditions Disclosures for details.
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Points are earned for every $1 of net dollar signature credit card purchases. Must have a Credit Union membership established and be in good standing. Other restrictions may apply.
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70x based on FDIC monthly interest checking rate as of April 9, 2025.
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Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
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