Credit Union of America - Checking Account Rates

Core Account $100 Minimum to Open
Balance Range¹	Nominal Rate/APY*
$1,000.00 to $4,999.99	0.05% / 0.05%
$5,000.00 to $9,999.99	0.10% / 0.10%
$10,000.00 or more	0.15% / 0.15%

* APY = Annual Percentage Yield

¹ Average daily balance of $1,000.00 must be maintained to earn dividends. Dividends paid monthly.

View All FAQs

A Core Checking Account is a high-yield checking account for Credit Union of America members offering dividends on deposits. This account also lets you earn CUA Rewards and get exclusive discounts from our trusted partners. Just by being a member of our credit union, you can enjoy exclusive deals on phone plans, groceries, and travel expenses.

Credit unions, unlike commercial banks, are owned by and operated on behalf of their members, rather than corporate shareholders. That means profits are returned to members in the form of low-fee banking, more generous dividends on balances, and lower rates on loans.

Expect to pay low or no fees on a credit union checking account and to enjoy better dividends on your balance when these are offered. That sounds good, doesn’t it?

Yes! You can open a Core Checking account online in just a few simple steps.

It's fast, secure, and convenient. You can get started whenever it works best for you, all without needing to visit a branch.

To open a checking account at Credit Union of America, you need to provide:

A government-issued photo ID, like a driver’s license or passport.
Your Social Security number or Individual Taxpayer Identification Number (ITIN).
Proof of eligibility for membership, such as where you live, work, or go to school.

With generous dividends, great rates on loans, and excellent member service at local branches throughout the greater Wichita area, Credit Union of America is the perfect place to open an account.

Our Core Checking account option is ideal for a wide range of customers. Enjoy free CUA ATM withdrawals and pay your bills with unlimited bill pay. Some say it’s the best credit union checking account in Wichita!

Yes, the Core Account is an interest checking account that earns dividends at a tiered rate. Please visit Credit Union of America's rates page for current Core Account tiered rates.

Upon opening a checking account at one of our branches, you will receive your permanent debit card during the same visit. For checking accounts opened remotely, you have the option to either visit a branch to receive your debit card, or you may have a card mailed and delivered within 7 to 10 business days.

The biggest benefit of using an interest-bearing checking account is that you earn dividends on the cash in your account while still having your money instantly available to you when you need it.

To order checks for the first time, please contact a representative. You can re-order checks anytime by logging into the desktop version of digital banking. On the left side, select "More," and then choose the "Draft Services" widget.