Checking 2017-12-08T10:32:00+00:00



Life is expensive enough and CENT Credit Union knows that for our members, every cent counts.  We don’t believe in nickel-and-diming our members, which is why both of our checking accounts are exactly what every account should be:


Our Share Draft (plain-Jane checking account) is just that. Free. No monthly maintenance fees, no minimum balance requirement, unlimited transactions, with a free debit card and iBanking.

We knew we could do better!

So we thought, “Our Share Draft account is great, but why can’t our members be rewarded for using our free services?”  That’s when we came up with the High-Yield Checking account.  It has all the free services of our Share Draft, plus we’ll pay you 3% APY* for any balance between $0.00 and $10,000.00 just for utilizing a few of our free services.  Here’s how it works.  To get the bonus rate, just make sure you do the following in one month:

  • Post at least 15 signature-based debit card transactions

  • Receive a least one direct deposit to your High-Yield Checking Account.

  • Make sure you are signed up for CENT Credit Union’s free E-Statements and iBanking (these also help the woodland creatures).

  • Be the first to know about other exciting products and promotions by signing up for text and/or email notifications.

Ok, so what happens if you don’t use your debit card enough in a month?  Or maybe you’re off work and don’t receive a direct deposit?  Don’t worry!  We won’t charge you any fees!  You won’t receive the 3% APY bonus rate, but you will receive a little something instead.  We’ll pay 0.1% APY for any High-Yield Checking account that doesn’t receive the bonus rate for any reason.  If you meet the requirements but have over $10,000.00 then we’ll pay you 3% APY on the $10,000.00 and .1% for anything above it.

APY may change after the account is opened.  No minimum balance is required to earn the 0.01% APY.  Fees could reduce earnings on account.  Available for personal accounts only.  Other restrictions may apply.