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Consumers Credit Union Rewards Checking

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Consumers Credit Union Rewards Checking

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in Checking Accounts from Consumers Credit Union

SuperMoney Net Recommendation Score +100%

SUPERMONEY NET RECOMMENDATION SCORE

+100%

-100% 0% +100%
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Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

Strongly recommended

11 users recommend
0 users are unsure
0 users don't recommend
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Highlights
Highlights
Community Rating Strongly recommended
Monthly Fee $0
ATM Fee: Out-of-Network $1
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0.1% - 4.09%
Number of Reviews 11

Consumers Credit Union Rewards Checking Review

Consumers Credit Union Rewards Checking is offered by Consumers Credit Union, a credit union founded in 1930 and based in Waukegan, IL. Consumers Credit Union Rewards Checking is available in 50 states (and Washington, DC).

Key Takeaways
  • Very high APY. This account offers an annual percentage yield of up to 4.09%, which is much higher than the average for a checking account.
  • $0 monthly fee. This account does not charge a monthly maintenance fee.
  • Small minimum initial deposit. You only need $5 to open an account.
  • No ATM fees. Consumers Credit Union Rewards Checking does not charge fees on ATM transactions.
  • ATM fee reimbursements. This account will reimburse you for the ATM fees charged by other financial institutions
  • Free bill pay. Pay your bills to practically anyone in the United States through Consumers Credit Union.
  • Hard credit pull. Consumers Credit Union may require a hard pull on your credit report to open a checking account.
Consumers Credit Union Rewards Checking Pros & Cons
Pros Cons
  • Available in all 50 states.
  • High-interest yield.
  • Access to physical branches.
  • Free debit card
  • No signup bonus.
  • Not FDIC-insured.
  • Higher than average wire transfer fees.
  • Charges a fee on out-of-network ATM transactions.
Consumers Credit Union Rewards Checking FAQ

Are checking accounts from Consumers Credit Union federally insured?

Yes, your Consumers Credit Union checking accounts are insured up to $250,000 per person by the National Credit Union Share Insurance Fund (NCUSIF). Individual Retirement Accounts (IRA) are insured separately up to $250,000. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.

What APY does Consumers Credit Union Rewards Checking offer?

Consumers Credit Union Rewards Checking offers an APY starting at 0.1% and ranging up to 4.09% (APY stands for annual percentage yield, rates may change).

Consumers Credit Union Rewards Checking Rates and Terms
Rates Amount
APY (Annualized Percentage Yield) 0.1% - 4.09%

What are the account minimums for Consumers Credit Union Rewards Checking?

Consumers Credit Union Rewards Checking requires a minimum initial deposit of $5 to open an account.

Consumers Credit Union Rewards Checking Account Minimums
Description Amount
Minimum Initial Deposit $5

What fees does Consumers Credit Union Rewards Checking charge?

The good news is that this account does not have a monthly service charge.

Consumers Credit Union Rewards Checking Fees
Description
Monthly Fee $0
Paper Statement Fee $2.50
ATM Fee: In-Network $1
ATM Fee: Out-of-Network $1
NSF Fee $30
Overdraft Protection Fee (per transfer) $10
Overdraft Item Fee $30
Early Account Closure $0
Returned Deposit Fee (Domestic) $15
Debit Card Replacement Fee $5
Bank Teller Fee N/A
Check Cashing Fee N/A
Online Bill Pay Fee $0
Stop Payment Fee $30
Check Image Service N/A
Check Copy N/A
Foreign Transaction Fee (Debit Card) 1%
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Outgoing) $0
Wire Transfer Fee - International (Incoming) $0
Returned Deposit Fee (International) $15
Wire Transfer Fee - Domestic (Incoming) $10
ATM Reimbursement Monthly Limit N/A

What features and perks does Consumers Credit Union Rewards Checking offer?

This account includes the following features:

  • ATM reimbursement - This account will reimburse you for the ATM fees charged by other networks.
  • Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Consumers Credit Union Rewards Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.
View Consumers Credit Union Rewards Checking's published terms & conditions.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Consumers Credit Union

An interest bearing checking account that pays up to 4.09% Annual Percentage Yield (APY) on balances up to $10,000! This is one of the highest interest rates you'll find for checking accounts nationwide.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Minimum Initial Deposit $5
Early Account Closure $0
Monthly Fee $0
Online Bill Pay Fee $0
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $0
ATM Fee: In-Network $1
Debit Card Replacement Fee $5
Foreign Transaction Fee (Debit Card) 1%
NSF Fee $30
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $10
Paper Statement Fee $2.50
Returned Deposit Fee (Domestic) $15
Returned Deposit Fee (International) $15
Stop Payment Fee $30
Wire Transfer Fee - Domestic (Incoming) $10
Wire Transfer Fee - Domestic (Outgoing) $25
ATM Fee: Out-of-Network $1
Bank Account Features
  • No ATM Fees
  • IRAs
  • Check Writing
  • Branch Access
  • NCUA Member
  • Bauer Financial A+/A Rating
  • Debit Card
  • Free Bill Pay
  • Mobile Banking
  • Nationwide ATM Network
  • ATM Reimbursement
  • Interest Bearing Account
  • No Monthly Maintenance Fee
  • Mobile Check Deposit
  • Teen Checking Account
APY (Annual Percentage Yield) 0.1% - 4.09%

Consumers Credit Union Rewards Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

+100%

-100% 0% +100%
No one recommends Everyone recommends

Recommendation score measures the loyalty between a provider and a consumer. It's at 100% if everybody recommends the provider, and at -100% when no one recommends.

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