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Empower Checking

Empower Checking

,

Earn a 5.00% APY1 on your balances between $250 and $2,500!

Earn a 5.00% APY1 on your balances between $250 and $2,500!

Enjoy a checking account that pays big interest, even if you don’t have a big balance!

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!

Empower Checking Deposit Rates
APY1
Average Daily Balance
5.00%
$250 - $2,499.99
3.00%
$2,500 - $9,999.99
1.00%
$10,000 - $24,999.99
0.50%
$25,000 - $49,999.99
0.01%
$50,000+

It’s easy to open an account!

Apply from your smartphone, tablet, or desktop, 24/7!

With our Empower Checking account, you get:

Online Banking

Online Banking
Bank wherever and whenever you want with our online banking system. Check your account balances, pay your bills, transfer money...it's all at your fingertips.

Mobile Banking

Mobile Banking
Download our mobile banking app and take your accounts everywhere you go! Our app even lets you deposit checks with your mobile device. (Woot!)

Mobile Deposit

Mobile Deposit
You heard that right! Enjoy the ultra-convenience of depositing checks (from wherever you are!) using your mobile device, any time day or night.

Debit Card

Visa® Debit Card
Our debit card is accepted at thousands of locations across the country. Plus, you can use your debit card worldwide, anywhere Visa is accepted! (Just be sure to contact us before you travel or use our handy Card Manager app to log your travel plans.)

Card Manager

Card Manager2
Control your Linn Area debit card online and on the fly with our mobile app. Card Manager lets you instantly suspend and reactivate your card, log your travel plans, set transaction limits, receive alerts, and so much more!

Online Banking

Online Banking

Bank wherever and whenever you want with our online banking system. Check your account balances, pay your bills, transfer money…it’s all at your fingertips.

Mobile Banking

Mobile Banking

Download our mobile banking app so you can manage your loan on the go! We offer an app for both Apple and Android phones. (Woot!)

 

Mobile Deposit

Mobile Deposit

You heard that right! Enjoy the ultra-convenience of depositing checks (from wherever you are!) using your mobile device, any time day or night.

 

Debit Card

Visa® Debit Card

Our debit card is accepted at thousands of locations across the country. Plus, you can use your debit card worldwide, anywhere Visa is accepted! (Just be sure to contact us before you travel or use our handy Card Manager app to log your travel plans.)

 

Card Manager

Card Manager2

Control your Linn Area debit card online and on the fly with our mobile app. Card Manager lets you instantly suspend and reactivate your card, log your travel plans, set transaction limits, receive alerts, and so much more!

So, why wait? Start enjoying these benefits today!

1 APY = Annual Percentage Yield. Personal accounts only. Average Daily Balance $0 – $249.99 receives 0.00% APY. $250 is the minimum Average Daily Balance required to receive interest. 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. 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.

FreeChecking-Couple-1360x590

Free High-Yield Checking

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Earn more with our FREE High-Yield Checking Account!

Earn more with our FREE High-Yield Checking Account!

Earn 3.00% APY1 on deposits up to $25,000!

FREE 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!

Apply from your smartphone, tablet, or desktop, 24/7!

With our FREE High-Yield Checking account, you get:

Online Banking

Online Banking
Bank wherever and whenever you want with our online banking system. Check your account balances, pay your bills, transfer money...it's all at your fingertips.

Mobile Banking

Mobile Banking
Download our mobile banking app and take your accounts everywhere you go! Our app even lets you deposit checks with your mobile device. (Woot!)

Mobile Deposit

Mobile Deposit
You heard that right! Enjoy the ultra-convenience of depositing checks (from wherever you are!) using your mobile device, any time day or night.

Debit Card

Visa® Debit Card
Our debit card is accepted at thousands of locations across the country. Plus, you can use your debit card worldwide, anywhere Visa is accepted! (Just be sure to contact us before you travel or use our handy Card Manager app to log your travel plans.)

Card Manager

Card Manager2
Control your Linn Area debit card online and on the fly with our mobile app. Card Manager lets you instantly suspend and reactivate your card, log your travel plans, set transaction limits, receive alerts, and so much more!

Online Banking

Online Banking

Bank wherever and whenever you want with our online banking system. Check your account balances, pay your bills, transfer money…it’s all at your fingertips.

Mobile Banking

Mobile Banking

Download our mobile banking app so you can manage your loan on the go! We offer an app for both Apple and Android phones. (Woot!)

 

Mobile Deposit

Mobile Deposit

You heard that right! Enjoy the ultra-convenience of depositing checks (from wherever you are!) using your mobile device, any time day or night.

 

Debit Card

Visa® Debit Card

Our debit card is accepted at thousands of locations across the country. Plus, you can use your debit card worldwide, anywhere Visa is accepted! (Just be sure to contact us before you travel or use our handy Card Manager app to log your travel plans.)

 

Card Manager

Card Manager2

Control your Linn Area debit card online and on the fly with our mobile app. Card Manager lets you instantly suspend and reactivate your card, log your travel plans, set transaction limits, receive alerts, and so much more!

So, why wait? Start enjoying these benefits today!

1 APY (Annual Percentage Yield) is 3.00% APY (with minimum average daily balance of $0 – $24,999.99). 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.