High-Yield Checking - Earn Higher Dividends | DuPage Credit Union

Earn 5.12% APY1skip to disclosure with High-Yield Checking

Pay no minimum balance or monthly maintenance fees. Plus, earn a $200 Welcome Reward*skip to disclosure with qualifying activities.

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    $200 Welcome Reward*skip to disclosure

    Earn a $200 Welcome Reward with qualifying activities.

  • ZeroDeductible_80dp_007777_FILL0_wght200_GRAD0_opsz48

    No monthly maintenance fees

    Because you shouldn't have to pay to access your own money.

  • ZeroDeductible_80dp_007777_FILL0_wght200_GRAD0_opsz48

    No minimum balance fee

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

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Earn 5.12% APY1skip to disclosure with High-Yield Checking

High-Yield Checking is one of the highest-earning interest bearing checking accounts in the nation. You could earn 5.12% APY1skip to disclosure on monthly balances up to $15,000 with qualifying activities. If you don't meet the monthly spending requirement, there's no penalty—you'll still earn 0.05% Annual Percentage Yield1skip to disclosure on your balance! To earn:

Sign up for free eStatements.
Spend $1,200 or more per billing cycle with any DuPage Credit Union credit card.

How to earn the $200 Welcome Reward*skip to disclosure

1

Sign up for eStatements.

Sign up to receive eStatements in Digital Banking.

2

Spend on your credit card.

Spend at least $1,200 on any DuPage Credit Union credit card the third full month after account opening.

3

Receive your reward.

That's it! The reward will be deposited into your High-Yield Checking account within the fourth full month after account opening.

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Earn up to 2.53% APY3skip to disclosure with a High-Yield Savings account

Pair High-Yield Checking with High-Yield Savings and an Inspire Cash Back or Imagine Rewards card to maximize your earnings and earn up to 2.53% APY on balances of or greater than $100,000.

Debit card with ATM fee rebates ›

We'll reimburse you up to $20 per month in ATM fees from other banks.2skip to disclosure

Early pay day ›

Get paid up to two days early with direct deposit.5skip to disclosure

Optional overdraft protection ›

No fees for overdrafts under $50. Plus, optional overdraft protection available.

Nationwide ATM and branch network

Enjoy fee-free transactions at over 30,000 ATMs. Plus, bank at over 5,600 shared branches.

DuPage Credit Union and Greenlight Co-Branded Logo

The free**skip to disclosure debit card and money app for kids and teens

With Greenlight, parents can send money to their kids quickly, set flexible controls, set up chores, automate allowance, and more.

Father sending his daughter money for chores using the Greenlight app.
Cash Back Checking, debit card

★★★★★ 4,500+ reviews

Bank anywhere with our mobile app.

Deposit checks8skip to disclosure, manage your debit card, set alerts, automate transfers, and more.6skip 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.

  • The Contactless Indicator mark, consisting of four graduating arcs, and the Contactless Symbol are trademarks owned by and used with permission of EMVCo, LLC.

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  • To qualify for the High-Yield Checking Welcome Reward, you must meet all of the following requirements: 1) open a new High-Yield Checking account, and 2) satisfy the account’s standard qualification requirements during the third full month after opening. The standard qualification requirements include enrolling in eStatements and spending at least $1,200 per billing cycle on qualifying purchases with your DuPage Credit Union Visa® credit card associated with the same membership savings account. ATM transactions, the purchase of money orders or any cash back requested over point-of-sale, cash advances, Peer to Peer transactions and purchases made using third party payment accounts (such as Venmo and PayPal), may not be eligible. The reward will be deposited into the High Yield Checking account within the fourth full month after account opening, even if the requirements are met before the end of the third month. Reward is forfeited if the account is closed within 120 days from account opening and the funds may be deducted from any remaining proceeds. Reward does not apply to existing DuPage Credit Union checking accountholders, including under a newly established Membership account. This offer cannot be combined with any other offers. Only one reward per member. Must have a Credit Union membership established and be in good standing at the time the High Yield Checking account is opened and at the time the Reward is paid. Other restrictions may apply. Offer may be revoked by DuPage Credit Union at any time.

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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 to open this account. The High Yield Savings account is a tiered dividend rate savings account and is only available to holders of a High Yield Checking or Cash Back Checking account under the same Membership account. The rate may change after the account is opened. APY is accurate of the last dividend declaration date. If you meet the minimum qualification requirements for your related High Yield Checking or Cash Back Checking account during the monthly qualification cycle, you will earn the higher dividend rate and annual percentage yields applicable to each tier as disclosed in the Rate Schedule. Once a particular range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account. If you do not meet the minimum qualifications, dividends will be paid at the stated Membership Savings rate. See current rates. If at any time the High Yield Checking or Cash Back Checking Account is closed, the High Yield Savings Account will also be closed. Earnings 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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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 dupagecu.com/inspire 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 dupagecu.com/inspire for details.

  • Annual Percentage Rate (APR). Variable rates as low as 16.24% to 24.24% 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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  • Early Pay may make incoming Automated Clearing House (ACH) electronic direct deposits available for use up to two days before the scheduled payment date. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Whether we make funds available early depends on when we receive the payer’s payment instructions, any limitations we set on the amount of early availability and standard fraud prevention screening. DuPage Credit Union also relies on ACH coding sent to us by the payer to determine if the transaction is eligible for early direct deposit. Must have a Credit Union membership established and be in good standing.

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  • Standard message and data rates may apply. Refer to your communications service provider. Other restrictions may apply.

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  • Must have a DuPage Credit Union Checking Account. Standard message and data rates may apply. Refer to your communications service provider. Other restrictions apply.

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**
  • DuPage Credit Union members are eligible for the Greenlight SELECT plan at no cost when they connect their DuPage Credit Union account as the Greenlight funding source for the entirety of the promotion. Subject to minimum balance requirements and identity verification. Upgrades will result in additional fees. Upon termination of promotion, members will be responsible for associated monthly fees. See terms for details. Offer ends 4/2/2028. Offer subject to change and partner participation.
    Must have a Credit Union membership established and be in good standing.
    The Greenlight® prepaid card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International.
    Card images shown are illustrative and may vary from the card you receive.
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