Last Updated: 01/21/2026
Consumers Credit Union Rewards Checking
Claimed
Last Updated: 01/21/2026
SuperMoney User Recommendation Score +94
Strongly recommended17 total votes
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Highlights
Community Rating
Strongly recommended
Welcome Offer
Starting at $0(Verified 06/21/2024)
Disclaimer popup with additional information
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.1% - 4.09%(Verified 06/21/2024)
Disclaimer popup with additional information
Monthly Service Fee
$0(Verified 01/21/2026)
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Number of Reviews
Consumers Credit Union Rewards Checking Review
The Consumers Credit Union Rewards Checking is offered by Consumers Credit Union, a credit union founded in 1930 and based in Lake Forest, IL. Consumers Credit Union Rewards checking is available in 50 states and Washington, DC.
Key Takeaways
- Up to 4.09% annual percentage yield (APY). This account offers an annual percentage yield of up to 4.09%, which is much higher than the average for the checking accounts that we track
- Supports joint accounts. This allows two people to have equal authority over the management of an account.
- No monthly maintenance fees. 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 $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 when you enroll in Consumers Credit Union mobile or online banking.
Consumers Credit Union Rewards checking Pros & Cons
| Pros | Cons |
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Consumers Credit Union Rewards checking FAQ
Are checking accounts from Consumers Credit Union federally insured?
Yes, your 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).
| 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.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does Consumers Credit Union Rewards checking charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $2.5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | Starting at $1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Early Account Closure | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Cashing Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Consumers Credit Union Rewards checking charge overdraft fees?
Yes, Consumers Credit Union Rewards checking charges a $30 fee for every overdraft.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 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 checks1 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 Rewards checking
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 6:00PM
Saturday
9:00AM - 1:00PM
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +94, or 4.9 on a 5-point rating scale.
+94
-1000+100
No one recommends
Everyone recommends
Consumers Credit Union Rewards Checking Community Reviews
Would you recommend Consumers Credit Union Rewards Checking to your friends?
JM
Jacob M.
Apr 19, 2023
May or may not recommend
I have been extremely satisfied with my experience with Consumers Credit Union's Rewards Checking account, primarily due to the high annual percentage yield (APY) offered by the account. The APY is one of the highest I have seen for a checking account, which has allowed me to earn significant interest on my account balance.
In addition to the high APY, the Rewards Checking account offers a variety of other benefits, such ...Show More
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
I'm a member of Consumers Credit Union, its biggest appeal is the checking account with a rate that can even rise to 4% APY. Pro Tip: best yields when you meet transaction requirements. They have so many free ATMs in my area. We had to open a share savings account during registration. I love that there is no monthly fee and also no ongoing minimum balance requirements, and you need ...Show More
EW
Emily W.
Nov 24, 2020
May or may not recommend
I'm a member of Consumers Credit Union, its biggest appeal is the checking account with a rate that can even rise to 4% APY. Pro Tip: best yields when you meet transaction requirements. They have so many free ATMs in my area. We had to open a share savings account during registration. I love that there is no monthly fee and also no ongoing minimum balance requirements, and you need ...Show More
The E.
Nov 23, 2020
May or may not recommend
I can't praise Consumers Credit Union Rewards Checking Accounts enough for their wonderful services and professionalism. I had to open a checking account and I had very little money at the time. Yet, I was allowed to open my very own account and it worked so well with no hassle. Also, the personal cheques I ordered online came exactly as I ordered. I would not hesitate to recommend them to ...Show More
AA
Alexandrea A.
Nov 2, 2020
May or may not recommend
If you’re looking to get with a credit union, the high APY percentage that Consumers offer may get you hooked. While they do have high APY in regards to a checking account, you want to be familiar with the savings side of your account. The APY for savings is lower than most Credit Unions, and while they have two savings accounts to chose from, there are requirements that go along ...Show More
RC
Rex C.
Nov 1, 2020
May or may not recommend
With American banking dominated by a handful of massive institutions, credit unions are more important than ever. By all counts, Consumers Credit Union’s checking account program is an excellent one. Not only are its terms amenable to depositors, but the bank itself appears to be genuinely concerned with its customers, seeing them as people, rather than merely sources of income.
JB
Jenni B.
Oct 26, 2020
May or may not recommend
Consumer Credit Union offered me $0 in monthly fees with a small starter fee when opening my account! Plus, I had access to a physical branch. I would recommend using Consumer Credit Union again.
Mark W.
Oct 26, 2020
May or may not recommend
Strongly recommend, when it union it's funion, I choose this because I feel this account works very well and it's convenient. I will recommend this to my family & friends.
SF
Scarlet F.
Oct 24, 2020
May or may not recommend
The personal cheques I ordered online came exactly as I ordered. They were shipped without any problems. I would recommend this company.
CE
Chelsey E.
Oct 24, 2020
May or may not recommend
I think what I love the most about Consumers Credit Union Rewards Checking Accounts is that they are a product that perfectly depicts the "Actions not words" proverb. They fix issues ASAP and take charge of anything you want to do under their bank name. I wanted to open a checking account and had little money and yet they allowed me to open up my very own account with just ...Show More
RS
Rebecca S.
Oct 24, 2020
May or may not recommend
I was looking to open a hassle-free checking account - I don't need anything fancy and I don't need to keep a lot of money in the account, but I was finding it difficult to find a bank that doesn't charge fees and one that you can open without depositing much. I was thrilled when I came across Consumers Credit Union because they let me open my account with just ...Show More
ST
Sarah T.
Oct 19, 2020
May or may not recommend
This bank is good for customers looking for an institution with global reach and the fullest possible range of deposit and lending products. People who want the best deposit rates available should bank with the bank.
MO
Moses O.
Oct 16, 2020
May or may not recommend
I can’t say enough about Consumers Credit Union. I have accounts with other banks but I have to say Consumers Credit Union is by far the best when it comes to customer service and action. Most recently, I was looking to up my credit limit in preparation to buy our first house. This bank took on all my paperwork and within two days, my request was processed.
Ridwan H.
Oct 9, 2020
May or may not recommend
This financial institution gave me an easy landing opening my account with minimum opening deposit of $5.00. I also enjoyed a free fee charge when using ATM. What I enjoyed most of there services is the little fee charge of 1% on international wire transfer I do make. There are lots of benefits though there is no perfection anywhere yet they have not disappointed me in any way.
Shaneka P.
Oct 2, 2020
May or may not recommend
My experience with Consumers Credit Unions was everything I expected and more . It was very convenient for me , the outstanding rates and customer service experience is unmatched. I was able to refinance two my high interest car loans with this company . If you're looking for a 100% online, no human interaction, no document verification process with immediate results I would highly recommend!
RK
Ray K.
Sep 9, 2020
May or may not recommend
A checking with rewards is a big plus and this Credit Union offers some not found with other companies. Most banks for example do not give interest or a fraction of a percent. Now I have a least some sign of life that my money is working for me while I write checks for my basic overhead categories.
U
Anonymous
Aug 20, 2020
May or may not recommend
I have opened an account recently, and I and thoroughly enjoying it! Being very busy with work and at home, I tend to skip out going to the bank to check my balance. However, since I started using this platform, I’m able to sort out and become more aware of my finances. I can quickly check through my phone and even pay bills without paying an extra fee.
Showing 17 of 17 reviews
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