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Dividend Checking

Earn dividends on your balance and rewards on your spending

Benefit from two unique ways to earn so you can improve your financial life.


Save more money by earning monthly dividends on your everyday checking account balance.

Dividend Earning Checking

As high as  APY

High Balance Dividend Checking

As high as  APY


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.

Earn rewards2

With your debit card, you'll earn rewards points with every signature-based purchase. Redeem points for gift cards, cash back, and more.

Learn More

No fees with minimum balance

Keep a minimum balance of $500 and you won't pay a minimum balance fee.

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

And more...

Good to know

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.

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.

  • ChatCallsEmails_icon8

    That's how many chats, emails, and calls were served by our local Member Service Center in 2020.

  • forbes-largest3

    Best in State Credit Union by Forbes Magazine

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!

— Delaina M.

How to open an account

Opening an account is easy and we're here to help if you need it.

  • 1

    Apply online

    It takes just minutes. Grab your Social Security number and driver's license or valid ID.

  • 2

    Deposit money

    Move money into your new account so you can start using it.

  • 3

    Manage your money online

    Easily manage your money with online and mobile banking.

Open an Account

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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!

More mobile banking highlights

Account alerts

Keep track of your account activity by setting up text or email notifications to let you know when your balance is low, or other activities occur on your account.

Go paperless

Sign up for eStatements and start keeping track of your account activity in a more eco-friendly and accessible way.

Deposit checks

Report lost or stolen cards with the click of a button.

Mobile payments

Worry less about missing payment due dates when you are away from your branch or computer. Never miss another payment with the ability to make payments and transfers with mobile banking.

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.

  • 1Rates are effective December 5, 2023 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

    2Debit Rewards available for personal accounts only. Business Accounts are not eligible for Debit Rewards. Signature-based transactions only.

    3First two non-RCU ATM fees reimbursed with active checking; first four non-RCU ATM fees reimbursed with checking and active RCU loan or credit card. Active=at least one transaction or payment in prior month. Casino/gambling and ATMs outside U.S. excluded.

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