Interest Plus Checking

Open Now

Interest Plus Checking from UFCU. Not only do you earn a High Reward Rate on your balance (no minimum balance required) – you also receive free ATMs nationwide.*

It’s simple to qualify each month to earn the High Reward Rate and Free Nationwide ATMs. There are just THREE easy steps:

  • Enroll in eStatements – receive your statements electronically
  • Have One Direct Deposit OR One ACH (Electronic Payment)
  • Conduct a minimum of ten (10) Debit Card Swipe and Sign purchases (Credit transactions/Non-PIN based).

NOTE: A debit card purchase using your PIN will not count as a Debit Card Swipe and Sign purchases. All direct deposit, ACH and Debit Card Swipe and Sign purchases must post to your account by 6:00pm (EST) on the last business day of the month to count towards that month.


  • Earn High Reward Rate on balances up to $25,000 (current rates)
  • Earn High Reward Rate of 0.10% APY** on balances over $25,000
  • Earn Standard rate of 0.05% APY if you don’t meet qualifications
  • ATM fee refunds from other financial institutions nation-wide, up to $25.00 per month (does not include international ATMs)

Additional benefits from UFCU

  • A whole range of FREE electronic services: Online Banking with Bill Pay, eStatements, and online account aggregation.
  • Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government – NCUA (National Credit Union Administration, a U.S. Government Agency).
  • Overdraft protection from your savings account(s), along with Courtesy Pay protection up to $1,000 is available to save you embarrassment and expense of Non-Sufficient Funds (NSF) items! Click here for Courtesy Pay disclosures.
  • Free private and personal Financial Planning and Financial Seminars
  • Free Medallion (Signature Guarantee) and notary services

Want to know more? Stop by your local branch or call our Member Service Center toll-free at 888-982-1400 today.

* Minimum opening balance of $50 required. Maximum of $25,000 (.15% APY earned on dollars above $25,000). Free ATMs Nationwide (ATM foreign surcharge fees will be refunded monthly up to $25/month; excludes international ATMs, balance inquire, and ATM deposit fees). No CardPerks points on debit card transactions. Requires e-Statements, Direct Deposit or 1 ACH per month and 10 debit card transactions posted per month (signature based) to earn Interest Plus rates (.05% APY earned for not meeting requirements). Members not meeting requirements will not earn ATM foreign surcharge fee refunds. No free checks on this account. One account per Member.
** Annual Percentage Yield (APY) as of 1/1/13; subject to change.

Equal Housing LenderNational Credit Union Administration
NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government agency. Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act.