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  Consumers Credit Union Rewards Checking
Consumers Credit Union Rewards Checking
in Checking Accounts from Consumers Credit Union · Insured by NCUA
Claimed

Consumers Credit Union Rewards Checking

Claimed
in Checking Accounts from Consumers Credit Union · Insured by NCUA
SuperMoney Net Recommendation Score +94  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +94, equating to 4.9 on a 5 point rating scale.

+94

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

15 users recommend
1 user is unsure
0 users don't recommend
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3 reviews
Highlights
Community Rating Strongly recommended
Cashback Rewards N/A
APY (Annual Percentage Yield) 0.1% - 4.09%
(Verified 06/30/2022)
Monthly Fee $0
Minimum Balance to Avoid Monthly Fee $0
Number of Reviews 16

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

  • Bonus offer. Open a new account and you can get
  • Very high annual percentage yield (APY). This account offers an annual percentage yield of up to 4.09%, which is much higher than the average for a checking account.
  • Supports joint accounts. This allows two people to have equal authority over the management of an account.
  • $0 monthly fee. This account does not charge any monthly account fees.
  • 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 within its network but there is a fee of up to $1 for out-of-network ATM transactions.
  • ATM fee rebates. This account will reimburse you for ATM fees (see terms and conditions for details).
  • Bill pay. Pay your bills to practically anyone in the United States through Consumers Credit Union.

Consumers Credit Union Rewards checking Pros & Cons

Pros Cons
  • Joint accounts available.
  • Available in all 50 states.
  • High variable APY.
  • Insured by NCUA.
  • Access to physical branches.
  • Free debit card
  • No signup bonus.
  • 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 share owner for each account ownership category. 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 (Annual 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 Minimums
Description
Minimum Opening Deposit Starting at $5
Minimum Balance to Avoid Monthly Fee $0

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
ATM Fee: In-Network $1
ATM Fee: Out-of-Network Starting at $1
Foreign Transaction Fee (Debit Card) 1%
NSF Fee $30
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $10
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
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $0
Paper Statement Fee $2.50
Online Bill Pay Fee $0
Check Cashing Fee $0
Debit Card Replacement Fee $5
Early Account Closure $0

Does Consumers Credit Union Rewards checking charge overdraft fees?

Yes, Consumers Credit Union Rewards checking charges a $30 fee for every overdraft. You can get overdraft protection at a cost of $10 per transaction.

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

This account includes the following features:

  • ATM rebates - This account will reimburse you for any domestic ATM fees.
  • Online Bill Pay - Online 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 or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for Consumers Credit Union Rewards checking?

The customer support email for Consumers Credit Union Rewards checking is ccuinfo@myconsumers.org.

How do people rate the customer service and user experience of Consumers Credit Union Rewards checking?

Overall, Consumers Credit Union Rewards checking is strongly recommended based on community reviews that rate customer service and user experience.

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

Feature Breakdown

Minimum Opening Deposit Starting at $5
Minimum Balance to Avoid Monthly Fee $0
Monthly Fee $0
ATM Fee: In-Network $1
ATM Fee: Out-of-Network Starting at $1
Foreign Transaction Fee (Debit Card) 1%
NSF Fee $30
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $10
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
Wire Transfer Fee - International (Incoming) $0
Wire Transfer Fee - International (Outgoing) $0
Paper Statement Fee $2.50
Online Bill Pay Fee $0
Check Cashing Fee $0
Debit Card Replacement Fee $5
Early Account Closure $0
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required Government Issued Photo ID
Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Interest Bearing Account
  • ATM Reimbursement
  • Nationwide ATM Network
  • Mobile Banking
  • IRAs
  • Debit Card
  • Bauer Financial A+/A Rating
  • Insured by NCUA
  • Branch Access
  • Check Writing
  • Joint Accounts
  • Rewards
Signup Bonus Starting at $0
APY (Annual Percentage Yield) 0.1% - 4.09%
(Verified 06/30/2022)

Consumers Credit Union Rewards Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +94, equating to 4.9 on a 5 point rating scale.

+94

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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