You could earn $422 per year with a $15,000 balance.†skip to disclosure
High-Yield Checking is one of the highest divided-earning checking accounts in the nation.*skip to disclosure When bundled with the DuPage Inspire Cash Back Signature™ credit card and High-Yield Savings, you could be in for a big payday. Keep more than $15,000 in your checking account? You'll still earn additional dividends at 0.05% Annual Percentage Yield—there's no limit to how much you could earn!
Earn 2.78% APY
$20/month in ATM rebates
No monthly service fees
Unlike the big banks, we don't think service fees are very serviceable.
No minimum balance fee
Balances fluctuate. We believe you shouldn't be penalized for that.
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. For the fees that we do charge, we want to make sure that there is full transparency.
|High-Yield Checking Fees|
|ATM fee (in network)||$0|
|ATM fee (out of network)||$0|
Included with every checking account.
Get help with High-Yield Checking.
The total spend during the previous month’s billing cycle will be used to determine if you qualify for the higher dividend.
In order to earn dividends, the direct deposits must be deposited into your High-Yield Checking account.
To set up direct deposit, contact your employer and provide them with your DuPage Credit Union account number and our routing number: 271990198.
If you’re looking to set up multiple direct deposits, or transfer your auto debits over from another account to a DuPage Credit Union account, you can use ClickSWITCH®. All you have to do is sign up, submit your switches, and we’ll take care of the rest!
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 2.78% 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 Online Banking account.
Yes, you’ll earn 2.78% APY on balances up to $15,000. After that, you’ll earn dividends at the stated Membership Savings account rate.
In order to earn 2.78% APY, you must (1) Sign up for Online Statements (2) Have a monthly direct deposit(s) of $500 or more (single) or $1,000 (cumulative) (3) 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.
High-Yield Checking APY = Annual Percentage Yield. The High-Yield Checking dividend provides a 2.78% APY. 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. DuPage Credit Union High-Yield Checking dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will begin to accrue on the business day you place non-cash items (for example, checks) to your account. This APY will be paid 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. 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: have at least one ACH deposit(s) of $500, or cumulative of $1,000 deposited directly into your checking account; be enrolled to receive Online Statements; 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 monthly service fees or minimum balance requirements apply to this account. Other restrictions may apply. Must have a Credit Union membership established and be in good standing.
High-Yield Savings Account APY = Annual Percentage Yield. No minimum balance requirements apply to this account. This is a tiered dividend rate savings account. 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.
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.
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.
Annual Percentage Rate (APR). Variable rates as low as 11.49% to 20.49% 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 and Current Fees and Charges for details.
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.
Internal research conducted in September of 2021. Sources: https://www.depositaccounts.com/banks/dupage-cu/offers/ ; https://www.nerdwallet.com/best/banking/high-interest-accounts ; https://www.forbes.com/advisor/banking/best-high-yield-checking-accounts/.
All numbers rounded to the nearest cent. 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.