Free checking that pays — an account built for champions

Earn a highly competitive rate on balances up to $50,000 and save effortlessly when linked to Champion Saver

Benefits You’ll Love  

  • Enjoy competitive interest on balances
  • Earn even if qualifications are not met
  • Put your savings in autopilot with Champion Saver
  • No monthly maintenance fees or minimum balance to earn rewards

*Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. "Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first banking day of the current statement cycle through one (1) banking day prior to the last banking day of the current statement cycle. See our website or contact one of our branch service representatives for specific Monthly Qualification Cycle dates.

Reward Information: When your Champion Cash account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $50,000.00 in your Champion Cash account earn an interest rate of 5.00% resulting in an APY of 5.12%; and average daily balances over $50,000.00 earn an interest rate of 0.25% on the portion of the average daily balance over $50,000.00, resulting in a range from 5.12% to 1.87% APY depending on the account's average daily balance. You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Champion Cash account during that Monthly Qualification Cycle. NOTE: ATM fee reimbursements only apply to Champion Cash or Champion Cash Back transactions via ATM. When your Champion Cash qualifications are not met, the interest rate earned on the account's entire average daily balance will be 0.05% resulting in an annual percentage yield of 0.05% and ATM withdrawal fees are not refunded. Interest and ATM withdrawal fee reimbursements will be credited to your Champion Cash account on the last day of the current statement cycle. APY = Annual Percentage Yield. APYs accurate as of 10/25/2024. Rates and rewards, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information: Account approval, conditions, qualifications, limits, timeframes, enrollments, and other requirements apply. $25.00 minimum deposit is required to open the Champion Cash account. Limit of one account per social security number. There are no recurring monthly maintenance charges or fees to open or close this account. This account is not to be used for commercial purposes. Contact one of our bank service representatives for additional information and details.

Champion Cash CalculatorDisclaimer

Use this calculator to determine your projected earnings from our Champion Cash account. Move the sliders or type in the numbers to see your potential rewards.

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  • Estimated monthly interest earned* $0
  • Monthly ATM fees refunded**$0
Buy vs. Lease CalculatorDisclaimer

This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.

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2. Loan Details
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CD CalculatorDisclaimer

A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.

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  • Total interest earned $0
  • Annual Percentage Yield (APY)0.000%
Savings Goal CalculatorDisclaimer

Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.

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Simple Loan CalculatorDisclaimer

This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.

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  • Total paid $0
  • Total interest paid $0

Certificates of Deposit

Term Minimum to open & obtain APY Interest Rate *APY
30 to 59 Days $1,000 to $97,999 1.00% 1.00%
60 to 89 Days $1,000 to $97,999 1.00% 1.00%
90 to 119 Days $1,000 to $97,999 1.00% 1.00%
120 to 179 Days $1,000 to $97,999 1.00% 1.00%
180 to 364 Days $1,000 to $97,999 3.25% 3.28%
365 Days $1,000 to $97,999 3.50% 3.50%
18 Months $1,000 to $97,999 3.50% 3.47%
24 Months $1,000 to $97,999 3.50% 3.44%
30 to 59 Days $98,000 and OVER 1.00% 1.00%
60 to 89 Days $98,000 and OVER 1.00% 1.00%
90 to 119 Days $98,000 and OVER 1.00% 1.00%
120 to 179 Days $98,000 and OVER 1.00% 1.00%
180 to 364 Days $98,000 and OVER 3.40% 3.43%
365 Days $98,000 and OVER 3.50% 3.50%
18 Months $98,000 and OVER 3.50% 3.47%
24 Months $98,000 and OVER 3.50% 3.44%
13 Months $100,000 and OVER 4.00% 3.99%

Rates effective as of 9/24/24.

*ANNUAL PERCENTAGE YIELD
SUBSTANTIAL PENALTY FOR EARLY WITHDRAWAL
INTEREST RATES SUBJECT TO CHANGE WITHOUT NOTICE
ACCOUNT FEES MAY REDUCE EARNINGS

Champion Cash*

Balance Rate APY
0 - $50,000 5.00% 5.12%
$50,000+ 0.25% 5.12% to 0.25%
All balances if qualifications not met 0.05% 0.05%

Qualifications

Earning the full rewards is so easy, you're probably already doing it! Enrollments must be in place and all of the following transactions and activities must post and settle to your Champion Cash account during each Monthly Qualification Cycle:

  • At least 1 direct deposit, ACH payment, or ACH credit
  • At least 12 debit card purchases
  • Be enrolled in and agree to receive e-statements

If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM fee refunds the very next month.

Champion Saver*

Balance Rate APY
0 - $100,000 1.98% 2.00%
$100,000+ 0.25% 2.00% to 0.83%
All balances if qualifications not met 0.05% 0.05%

Qualifications

Qualifying for Champion Cash or Cash Back rewards automatically qualifies you for the highest Champion Saver rate too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Champion Cash or Cash Back account during each Monthly Qualification Cycle:

  • At least 1 direct deposit, ACH payment, or ACH credit
  • At least 12 debit card purchases
  • Be enrolled in and agree to receive e-statements

It's no problem if you miss a qualification cycle. Both accounts are still free. And you can get back to earning rewards the very next month you qualify.