Get checking with the benefits you deserve
Earn dividends on your balance.
Overview
If you’re age 62 or above, you’ve earned some benefits. With RCU’s free senior checking account, you’ll earn dividends on balances of $500 or more, and higher rates on RCU certificates and money markets. Plus, it’s totally free.
Rates*
View all RatesPlus checking
As high as APY-
Good to know
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Must be age 62+
You can open a senior checking account when you're age 62 or above.
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've been an RCU member for several decades. Super glad there's a branch near my home in Sebastopol; the folks there, like Emma, are always friendly, helpful and pleasant to deal with.
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Easily manage your money with online and mobile banking
It's never been easier to track spending, save money, and stay in control of your finances. Online banking can help you do all this from the comfort of your home or office, or use mobile banking to manage your account anywhere.
Have a question?
At RCU, we're known for our reliable service, and we'll answer your questions and calls quickly.
You deserve a checking account that takes care of you
With dividends on balances of $500+ and much more for anyone age 62 or above, you'll love the benefits of senior checking.
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*APY = Annual Percentage Yield. Fees may reduce earnings.
**First 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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Free checking
You pay zero fees. That means no minimum balance fees, no monthly services fees, and no fees for writing checks.
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Dividends on balances of $500 or more
Your money makes money—enjoy dividends every month on balances of $500+.
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Automate & grow your savings
Enroll in Round Up & Save to round up your RCU debit card transactions to the nearest dollar and automatically transfer the difference into your preferred savings account.
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Nationwide ATM access
Enjoy free access to 30,000 Co-op® ATMs nationwide for easier access to your funds. Or get cash at nearly any ATM fee-free up to 4 times per month with our ATM reimbursement program.**
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Free overdraft protection options
You can have options to protect your account from overdraft charges to help give you peace of mind.
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Rate bonuses
Earn a higher rate on select RCU certificates and money market accounts when you have an active checking account.
Open a Senior Checking Account
You can open a senior checking account in-person at an RCU branch.
Need help?
Conveniently schedule a time to meet in person or speak on the phone with one of our team members.
Already a Member?
Give us a call and we can go over options to upgrade your existing accounts.
Rates
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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