Checking Rewards

Stop Settling for Basic. Choose Checking That Rewards You.

Discover smarter checking options that pay you back, reward your loyalty, and grow with your hard work. Your checking account should work as hard as you do. At Capital Credit Union, we’re here to make every swipe, deposit, and dollar count.

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Our Members Earn More

With ChaChing™ Checking, you’re not just getting a place to keep your cash—you’re unlocking a smarter way to save, spend, and thrive. This isn’t just a checking account. It’s your partner in progress, designed to help you build a brighter financial future without missing a beat.

*Annual Percentage Yield (APY) accurate as of Rates effective 2/1/2025. ChaChing™ Checking rate tiers are as follows: $0.01 to $15,000.00 earn a dividend rate of 4.17%, resulting in an APY of 4.25%, balances of $15,000.01 and over earn a dividend rate of 0.15%, resulting in an APY of 0.15%. No interest is earned if qualifications are not met. Rates and APYs may change after the account is opened and fees may reduce earnings. ** Features: Earn up to $10 monthly reward for covered streaming services such as Netflix®, Hulu®, Spotify®, Apple®, Disney+®, Peacock®, Paramount+®, or Amazon® Media purchases. Streaming purchases must be made with your debit card associated with your MyDebit Rewards -Streaming Checking account. Account closure prior to end of statement cycle forfeits rewards for that statement cycle. ‡Qualifying purchase transactions must post and clear the account during the monthly cycle. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Debit card purchase transactions can be made by signature or Point-of-Sale (using a PIN to make a purchase at a merchant). Transfers between Capital accounts do not count as qualifying ACH transactions. Minimum to open account is $1. ATM fee reimbursements up to $10 provided only if qualifications are met within the monthly cycle. Maximum of 2 ChaChing™ accounts per membership share. Membership Eligibility Required. Terms and Conditions Apply. Capital Credit Union is federally Insured by the NCUA.

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Why Settle

You’re not here to settle for less. Neither are we. That's why our checking solutions are better than FREE.

CHA-CHING™

Check out our ChaChing™ checking if you want your money to work as hard as you do.

Earn 4.25% APY* on balances up to $15,000.
No Monthly Service Fee!

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MYDEBIT REWARDS

Earn up to $10 monthly credit for streaming services like Netflix®, Hulu® and more**.
OR Earn 1% cash back on up to $1,000 in debit card purchases each month.

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MYCHECKING

No hoops to jump through. No hidden fees. Just a straightforward checking account that does exactly what you need it to—keep your money accessible, secure, and working for you. Whether you're starting fresh or just want a hassle-free option, MyChecking is here to make managing your finances effortless.

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Your money, your rules

Compare Your Options

Whether you’re earning cash back on everyday purchases or streaming your favorite shows on us, our checking accounts are built to fit your life. No hoops. No hassle. Just rewards.

Compare Checking Account Perks

CHECKING REWARDS	CHA-CHING^TM	MY DEBIT REWARDS CASH BACK	MYDEBIT REWARDS - STREAMING	MyChecking
Loan Discount** with Active Checking
No Monthly Service Fee
$1 to Open
Debit Card Included^§
Digital Banking Access
Receive Monthly Credit towards Streaming Services^‡
1% Cash Back on up to $1,000 in Debit Card Purchases
Nationwide ATM Fee Refunds⁺
High Yield Interest on Qualifying Balances
Qualifications	15 Monthly Debit Transactions^† of $10/Month OR $500 Total Monthly Debit Card Spend E-Statements Direct Deposit	10 Monthly Debit Transactions^† of $10/Month OR $500 Total Monthly Debit Card Spend $100 Average Minimum Daily Balance E-Statements Direct Deposit	10 Monthly Debit Transactions^† of $10/Month OR $500 Total Monthly Debit Card Spend $100 Average Minimum Daily Balance E-Statements Direct Deposit	None for this Account

**0.50% loan discount on vehicle and personal loans requires an active checking account with at least $400 in deposits each month and 12 transactions of $5 or more during the month. $2,500 minimum new loan money or additional $2,500 to any existing Capital Credit Union loan required.
+Up to $10 per checking account at the end of the month; maximum of two ChaChing™ account per membership share.

† Debit card transactions can be made by signature or Point-of-Sale (using a PIN to make a purchase at a merchant). Must post and clear account by 6pm on the last day of the month.
‡ Features: Earn up to $10 monthly reward for covered streaming services such as Netflix®, Hulu®, Spotify®, Apple®, Disney+®, Peacock®, Paramount+®, or Amazon® Media purchases. Streaming purchases
must be made with your debit card associated with your MyDebit Rewards -Streaming Checking account. Account closure prior to end of statement cycle forfeits rewards for that statement cycle.
§ Additional fees may apply. Speak with a Member Service Representative for more details.

Membership Eligibility Required. Federally Insured by the NCUA.

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The all-in-one money app for families.

Set your family up for financial success, on us!
FREE^† for members of Capital Credit Union
Chores and allowance
Assign chores and jobs in the app - and link them to allowance.
(Or not, it's up to you!)
Debit card for kids and teens
Teach smart spending with a card of their own and get real-time notifications
Money management
Send money instantly, manage chores and allowance, set up direct deposit and more

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^†Offer ends 5/13/2027. Capital Credit Union members are eligible for the Greenlight SELECT plan at no cost when they connect their Capital Credit Union account as the Greenlight funding source for the entirety of the promotion. Subject to minimum balance requirements and identity verification. Upgrades will result in additional fees. Upon termination of promotion, customers will be responsible for associated monthly fees. See terms for details. Offer subject to change and partner participation. The Greenlight® prepaid card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International. The funds underlying the Card Account are FDIC-insured up to $250,000.

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Text us at 920.789.2464
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Call us at 920.494.2828

Give us a call to talk with one of our local Contact Center representatives.

Visit us at any branch
Find the branch location closest to you and stop in for some popcorn.

*Annual Percentage Yield (APY) accurate as of Rates effective 2/1/2025. ChaChing™ Checking rate tiers are as follows: $0.01 to $15,000.00 earn a dividend rate of 4.17%, resulting in an APY of 4.25%, balances of $15,000.01 and over earn a dividend rate of 0.15%, resulting in an APY of 0.15%. No interest is earned if qualifications are not met. Rates and APYs may change after the account is opened and fees may reduce earnings.
** Features: Earn up to $10 monthly reward for covered streaming services such as Netflix®, Hulu®, Spotify®, Apple®, Disney+®, Peacock®, Paramount+®, or Amazon® Media purchases. Streaming purchases must be made with your debit card associated with your MyDebit Rewards -Streaming Checking account. Account closure prior to end of statement cycle forfeits rewards for that statement cycle.

^‡Qualifying purchase transactions must post and clear the account during the monthly cycle. Transactions may take one or more business days from the transaction date to post to an account from the date the transaction is made. Debit card purchase transactions can be made by signature or Point-of-Sale (using a PIN to make a purchase at a merchant).
Transfers between Capital accounts do not count as qualifying ACH transactions. Minimum to open account is $1. ATM fee reimbursements up to $10 provided only if qualifications are met within the monthly cycle.
Maximum of 2 ChaChing™ accounts per membership share.

Membership Eligibility Required. Terms and Conditions Apply. Capital Credit Union is federally Insured by the NCUA.