High-Yield Checking

Earn 4.07% APY with High-Yield Checking.1skip to disclosure

You could earn $610.50 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!

High-Yield Checking

Earn 4.07% APY

on High-Yield Checking monthly account balances up to $15,000.1skip to disclosure

ATMs

$20/month in ATM rebates

We refund other banks' ATM fees—up to $20/month.4skip to disclosure

No service fees

No monthly service fees

Unlike the big banks, we don't think service fees are very serviceable.

No minimum balance

No minimum balance fee

Balances fluctuate. We believe you shouldn't be penalized for that.

See how much you could earn with High-Yield Checking.skip to disclosure

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Earnings per yearskip to disclosure

That's in addition to any cash back or points you earn with your 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

Requirements to earn 4.07% APY1skip to disclosure

1

Sign up for free Online Statements.

2

Set up monthly direct deposit(s) of $500 (single) or $1,000 (cumulative).

3

Spend $1,200 or more per billing cycle with any DuPage Credit Union credit card.

Included with every checking account.

ATM usage
paying with new contactless inspire card

Earn up to 3% cash back on top of dividends.

Meet the minimum account requirements and earn up to 3% cash back with the no annual fee Inspire Cash Back Signature card.3skip to disclosure

EXCLUSIVELY FOR HIGH-YIELD CHECKERS

Bundle a 0.80% APY High-Yield Savings account.2skip to disclosure

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Your estimated yearly earnings:
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All numbers rounded to the nearest dollar.
  • 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.

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.

Yes, you can view your daily balances, online statements and track your transactions via Online Banking or Mobile Banking.

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.

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 4.07% 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 4.07% 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 4.07% 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.

Open a High-Yield Checking account

Take the first step toward earning 4.07% APY.1skip to disclosure

1
  • High-Yield Checking APY = Annual Percentage Yield. The High-Yield Checking dividend provides a 4.07% 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 be compounded monthly and credited to your account every month. 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.

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2
  • 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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3
  • 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. Refer to Truth-In-Lending Terms and Conditions Disclosures for details.

  • 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.

  • Annual Percentage Rate (APR). Variable rates as low as 15.74% to 24.74% 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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4
  • 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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*
  • 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/.

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  • 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.

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Routing Number:
271990198