Empower/ High-Yield Checking
Choose the checking account that fits your lifestyle and earn up to 5.00% APY*!
Enjoy a checking account that pays big interest, even if you don’t have a big balance!
Earn 5.00% APY1 on deposits of $250 – $2,500!
Empower Checking
- No minimum balance requirement
- No per check charge
- No monthly service charge
- No cashier check charge
- No non-sufficient funds (NSF) fee
Empower Checking uses a reverse-tier rate schedule.
So, the interest rate actually goes down as the deposit balance goes up. Even so, the rates are far above national averages!
Earn 3.00% APY1 on deposits up to $25,000!
High-Yield Checking
- No minimum balance requirement
- No per check charge
- No monthly maintenance fee
- Refunds for out-of-network ATM fees
To earn these rewards, sign up for online banking and use these three free services every month:
- Make at least 12 signature-based debit card purchases
- Receive eStatements
- Directly deposit your paycheck or retirement income
It’s easy to open an account!
Click on “Open an Account”
You’ll access our secure site that offers a fast account opening process.
Enter your information
Our process will snap a photo of your government-issued ID, capturing your address and date of birth so you’ll only need to add your email, phone, and Social Security number.
Fund your new account
You can electronically deposit $50 into your new checking account during the application process, send us a check, or drop by one of our branches. (We’d love to say “Hello!”)
Apply from your smartphone, tablet, or desktop, 24/7!
With either checking account, you get:
So, why wait? Start enjoying these benefits today!
1 APY = Annual Percentage Yield. Personal accounts only. For Empower Checking, average daily balance of $0 – $249.99 receives 0.00% APY. $250 is the minimum Average Daily Balance required to receive interest for Empower Checking. For High-Yield Checking, average daily balance of $0 – $24,999.99 receives 3.00% APY. High-Yield Checking balances $25,000+ receive our current free checking rate of 0.10% APY. APY is accurate as of the last dividend declaration date. New member must meet account and membership eligibility requirements, including maintaining a $5 minimum balance in a savings account. $55.00 is the minimum balance needed from new member to open an account. Available to prospective members who are 18 years or older. Rates, terms and conditions may change without notice after account opening. Any fees incurred could reduce earnings. Funds are Federally Insured by NCUA.
2 Card Manager sends notifications only for Linn Area Credit Union Visa® credit and debit card transactions processed by the Visa network. If the merchant uses a non-Visa network, you will not receive a notification. Linn Area Credit Union does not determine the network merchants use to process transactions.
