Your Money, Your Future.
Ready for financial independence? Collegiate Checking is made for students like you (ages 18–26). With no monthly maintenance fees or minimum balance requirements, you can keep more of your money and bank on your own terms.
Smart Banking for the Next Generation
Whether you're just starting college or preparing to graduate, the Collegiate Checking account is designed to grow with you. We offer the tools, flexibility, and support you need to succeed financially.
Account Features that Fit Your Life
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No Monthly Maintenance Fees*: Keep more of your hard-earned money in your pocket.
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No Minimum Balance Requirement*: Get the flexibility that fits your lifestyle.
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Low Minimum Opening Deposit*: A low barrier to get started.
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Easy ATM Access: Enjoy nationwide access to ATMs in the CO-OP Network.
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Mobile Banking: Manage your money wherever you are.
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Earn Interest: Grow your money on balances over $1,000.*
Built-in Financial Wellness Tools
Take control of your finances with resources designed to help you build a strong financial foundation.
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GreenPath Financial Counseling: Free, confidential support when you need it.
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Credit Builder Program: Start building your credit the smart way.
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Educational Resources: Learn key financial skills, from budgeting basics to smart saving strategies.
Security & Support
Peace of mind for your college years.
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Fraud Monitoring & Alerts – Stay protected with real-time notifications.
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Secure Online Access – Your data, your control.
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Federally Insured by NCUA – Your funds are protected up to $250,000.
*Specific Terms Applicable to Your Collegiate Checking Account
Dividend Information. This Account earns dividends based on a tiered rate structure:
Tier 1: Balances of $1,000 to $24,999.99 earn a 0.10% interest rate, with an Annual Percentage Yield (APY) of 0.10%.
Tier 2: Balances of $25,000 and above earn a 0.20% interest rate, with an APY of 0.20%.
Dividends are calculated on the daily balance and paid monthly. Rates are subject to change at the credit union’s discretion. Minimum Balance Requirements: There is no minimum balance required to open or maintain this Account. However, a minimum daily balance of $1,000 is required to earn dividends. Transaction Limitations: No transaction limitations apply to this Account. Members may access funds and perform transactions freely using mobile banking, debit card, ATM, and online services. Tiered Variable Rate Information: This Account is subject to a Tiered Variable Rate. For the current interest rate and corresponding APY, refer to the accompanying account disclosure rate supplement which We have included with and made a part of this Disclosure.
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