Earn dividends on your balance
Benefit from a unique way to earn so you can improve your financial life.
Overview
Save more money by earning monthly dividends on your everyday checking account balance.
Rates1
View all RatesPlus checking
As high as APY-
Good to know
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Monthly fee if minimum is not met
If your balance is below $500 on the last day of the month, a fee of $3 will be charged monthly.
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Why Choose RCU?
At RCU, we’re passionate about helping our Members improve their lives. If you want a credit union that keeps your unique needs in mind and helps you envision and manage your financial future, the friendly experts at RCU are here for you.
Named one of America’s Best Credit Unions by Newsweek
Recognized by Forbes as one of America’s Best Small Employers 2023
I have been a Member for over ten years and I have nothing but good experiences with their employees. They all are extremely helpful and nothing but friendly and I am truly grateful for everyone working there. Thank you all!
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Mobile banking
Thinking about the convenience of online banking? Make it even more convenient by using mobile banking. It's so easy to check your balance, transfer money, and pay bills from anywhere!
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More mobile banking highlights
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Account alerts
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Go paperless
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Deposit checks
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Mobile payments
Have a question?
At RCU, we're known for our reliable service, and we'll answer your questions and calls quickly.
Start earning dividends on your checking account balance
Your money is working for you when you keep your hard-earned cash in a dividend checking account! Deposit your money anytime, and enjoy monthly dividends on your balance.
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1Rates are effective December 21, 2024 and are subject to change without notice. APY=Annual Percentage Yield. Fees may reduce earnings. Minimum balance to open account: $500.00 Minimum balance to avoid a fee: $500.00
2First two non-RCU ATM fees reimbursed with active checking; first four non-RCU ATM fees reimbursed with active checking and active RCU loan or credit card. Active = at least one transaction or payment in prior month. Direct Access checking accounts are ineligible for ATM fee reimbursements. (Up to $10 per transaction, casino/gambling and ATMs outside U.S. excluded from reimbursement).
All Highlights
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Earn dividends while you spend
Use dividend checking as your everyday account to spend on the things you need and want, and still save a little with the dividends you earn.
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No fees with minimum balance
Keep a minimum balance of $500 and you won't pay a minimum balance fee.
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Nationwide ATM access
Enjoy free access to 30,000 Co-op® network ATMs nationwide, plus up to 4 reimbursements per month for ATMs outside our network when you have an active RCU loan or credit card.3
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Free overdraft protection options
There are several options to help protect your checking account from overdraft charges.
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Get a rate bonus
Earn a higher rate on select RCU certificates and money market accounts when you have an active RCU checking account open as well.
Rates
Plus checking online application
Already have an RCU account?
(We’ll pre-fill your application)
New to RCU?
Eligibility
You can become a Member of RCU if you meet any of the following criteria:
- You live, work or own a business in the counties of Sonoma, Marin, Napa, Mendocino, Lake, San Francisco, Solano, or Contra Costa.
- You are an immediate family member of a current RCU Member.
- You work for a designated Select Employer Group.
PPP Forgiveness Application Deadline
Congress passed The Economic Aid Act which changed the deferment period from 6 months post covered period to 10 months post covered period. For example, if your covered period ended June 30, 2021, under the new guidelines the earliest your first loan payment wouldn’t be due until April 2022, and you have until then to request forgiveness. Please use the following calculation to help you identify when your forgiveness will be due:
- PPP borrowers may select a covered period anywhere from 8 weeks to 24 weeks.
- RCU is automatically calculating your loan due date based on a 24-week covered period, if you intend on using a shorter covered period please inform us immediately as this will impact your due date.
- Your correct deadline will be reflected in your online banking account.
If all or part of your PPP loan is not forgiven, your first loan payment will be due the first of the following month after a decision is made by the SBA.
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