High-Yield Checking

Earn 5.12% APY with High-Yield Checking.1skip to disclosure

You could earn $768 per year with a $15,000 balance.skip to disclosure

Handsome 50+ man smiling and looking off camera with arms crossed.

Earn over 70x the national average with High-Yield Checking.*skip to disclosure

  • percent-apr

    Earn 5.12% 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.2skip to disclosure

  • no-service-fees

    No monthly maintenance fees

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

  • no-fees

    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

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.

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.

ATM usage

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
Enter you average monthly credit card spend. Calculation is based on an average 2% cash back per dollar. Click here to customize your spend categories.
Enter your estimated yearly credit card spend in each category.
   
$

up to $10,000 annual spend

$

up to $6,000 annual spend

$

up to $12,000 annual spend combined

$

no maximum spend!

Enter your estimated yearly credit card spend in each category.
   
$
$
$
$

Annual Earningsskip to disclosure

From High-Yield Checking1skip to disclosure: $0
From High-Yield Savings3skip to disclosure: $0
From Inspire Card4skip to disclosure: $0
$0
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.

paying with new contactless inspire card

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, you can view your daily balances, online statements and track your transactions via Digital Banking or the mobile app.

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 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 (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 5.12% APY.1skip to disclosure

1
  • 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 have at least one ACH deposit(s) of $500, or cumulative of $1,000 deposited directly into your checking account each month; 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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2
  • 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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3
  • 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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4
DuPage Inspire Cash Back Signature®
  • 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.

  • 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.

  • Annual Percentage Rate (APR). Variable rates as low as 16.74% to 25.74% 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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5
DuPage Imagine Rewards®
  • 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. Refer to Truth-In-Lending Terms and Conditions Disclosures for details.

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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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Routing Number:
271990198