Dividend Rate
1.00%
Get the right account for your needs
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Affinity Plus Checking
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A relationship account that pays you back with a great rate, cash back and more1*.
- Generous Interest Rate on amounts up to $25,000.00
- 10¢ back on debit card purchases of $5.00 or more
- Mobile phone insurance
- Identity theft coverage
- Download the app in Apple iOS or Google Play
- Reimbursements on ATM surcharges (up to $10.00 per month)
- Monthly service fee of $7.00
To receive cash back on debit purchases, receive ATM surcharge reimbursements, and earn interest on your balance (up to $25,000), each month you must:
- Receive eStatements
- Make 15 debit card transactions of $5.00 or more
- Login to ACU Online or Mobile Banking
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Affinity Free Checking
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Affinity Free checking is designed for those with minimal activity in their account2*. Affinity Basic checking includes:
- Free mobile banking and mobile deposit
- Free and unlimited use of ACU debit card
- Free online banking and bill pay
- Free and unlimited use of ACU ATMs
- Use of nearly 30,000 surcharge-free ATMs nationwide
- Free mobile banking and mobile deposit
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Affinity Premier Checking
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Affinity Premier checking is a tiered rate checking account with no monthly service charge3*. Affinity Premier Includes:
- No monthly fee or minimum to maintain
- Market rate dividends paid on balances $5,000 or greater with direct deposit
- Free box of checks annually
- ID Theft protection
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Opportunity Checking
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Opportunity checking was created specifically for those who have been turned down for a checking account in the past due to unpaid
fees, overdrawn accounts, or other issues. Opportunity Checking can help you re-establish financial health for a low monthly fee. Your options include:- $8.95 per month when you set up direct deposit for your entire payroll, pension, or Social Security check ($500 per month minimum) to your checking account.
- $10.95 per month without direct deposit to ACU.
Opportunity Banking features include:
- No minimum balance requirement
- Unlimited check writing
- Free mobile banking and mobile deposit
- Free and unlimited use of ACU debit card
- Free online banking and bill pay
- Free and unlimited use of ACU ATMs
- Use of nearly 30,000 surcharge-free ATMs nationwide
- Free eStatements
- 10 free non-credit union-owned ATM withdrawals per month
- Ability to switch to another ACU checking account after you have 12 consecutive months with less than 12 Non-Sufficient Funds (NSFs) notices
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Teen Checking
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Young adults between the ages of 13 and 17 can open a Teen Checking account when a qualified ACU member signs on as joint account holder. A Teen checking account includes:
- No minimum balance requirement
- Free mobile banking and mobile deposit
- Free and unlimited use of ACU debit card
- Free online banking and bill pay
- Free and unlimited use of ACU ATMs
- Use of nearly 30,000 surcharge-free ATMs nationwide
- Free eStatements
VIEW ALL RATES
Checking Account Benefits
- ACU Online Services provide everything you need in a fast, easy, electronic format. Learn more.
- Mobile Banking and Mobile Deposits allow you to access your accounts anytime from anywhere. Available to all ACU members who’ve signed up for online services. Learn more.
- ACU Card App offers you greater control over your credit card.
Learn more about Online & Mobile Banking
Customize Your Debit Card
ACU offers great designs for instant-issue debit cards, but if you really want to get creative, order a personalized card online.
Prepaid Cards
ACU Visa Prepaid Debit Cards are perfect for managing your money, shopping online securely, or even teaching your teens about spending. Order your Prepaid Card online.
Open a Checking Account Today
ACU has branches conveniently located throughout Pierce and Thurston Counties. But our reach extends far beyond that. Through the CO-OP ATM and Shared Branching networks, we provide you with more than 30,000 ATMs and 5,300 branch locations nationwide where you can conduct your ACU transactions. Apply for membership today!
1* APY= Annual Percentage Yield accurate as of 02/01/2023. Limited to one Affinity Plus Checking account per primary account holder. Only consumer accounts in good standing are eligible. Fees may reduce earnings on the account. Rates are subject to change. Balances over $25,000 do not earn dividends on the portion of the balance over $25,000. The advertised Affinity Plus APY is based on compounding dividends. Regular Share Savings with a minimum deposit of $25 is required. Account receives identity theft coverage, cell phone repair coverage, 10 cents cash back for every debit card purchase over $5.00, and ATM fee reimbursement up to $10.00 per month. To earn dividends, receive ATM fee reimbursement, and 10 cents cash back, you must have eStatements, 15 POS transactions over $5.00 post and settle during the monthly statement period, and log into ACU Online or ACU Mobile App at least once per month. If qualifications are not met, all balances earn 0.00% APY. Qualifications do not have to be met to receive cell phone and identity theft insurance. Your wireless carrier may charge a data or text messaging fee. Please check with your provider. The qualification cycle is not the same as your monthly statement cycle. The Qualification Cycle is defined as the first calendar day of the month through the last calendar day of the month (example: March 1–March 31). Transactions may take one or more banking days from the date the transaction was made to post to and settle in the account. ATM-processed withdrawals do not count as qualifying debit card transactions. Accounts that do not satisfy the requirements of the account will still receive the insurance products and will be eligible for benefits in the following month. Identity theft expense reimbursement insurance is underwritten by Lyndon Southern Insurance Company, a member of the Fortegra family of companies. For questions about mobile claims please call Worth Ave Group at 877-210-7401. To redeem your monthly ATM fees, please contact the Member Contact Center at 253-964-3113.
2* APY=Annual Percentage Yield accurate as of 02/01/2023. Limited to one Affinity Free Checking account per primary account holder. Fees may reduce earnings. Rates are subject to change. See Fee Schedule. 3.00% APY applies to balances up to $1,000.00. Balances $1,000.01 to $15,000.00 earn 0.75% APY. Balances over $15,000.01 earn 0.50% APY. Regular Share Savings with a minimum deposit of $25 is required. To earn dividends, you must have direct deposit of at least $500 per month, 10 POS transactions, $15,000.00 in combined loans and/or deposits and enroll in E-Statements. The qualification cycle is not the same as your monthly statement cycle. The Qualification Cycle is defined as the first calendar day of the month through the last calendar day of the month (example: March 1–March 31). Transactions may take one or more banking days from the date the transaction was made to post to and settle in the account. ATM-processed withdrawals do not count as qualifying debit card transactions.
3* APY= Annual Percentage Yield accurate as of 02/01/2023. Limited to one Affinity Premier Checking account per primary account holder. Only consumer accounts in good standing are eligible. Rates are subject to change. Fees may reduce earnings on the account. Balances $35,000.00+ earn the Regular Share Rate. To earn dividends, you must have direct deposit of at least $500 or more per month. If qualifications are not met, all balances earn 0.00% APY. Balances $5,000.00 to $14,999.99 earn 0.25% APY. Balances $15,000.00 to $24,999.99 earn 0.50% APY. Balances $25,000.00 to $34,999.99 earn 0.75% APY. Regular Share Savings with a minimum deposit of $25 is required. Accounts that do not satisfy the requirements of the account will still receive the identity theft insurance. Identity theft expense reimbursement insurance is underwritten by Lyndon Southern Insurance Company, a member of the Fortegra family of companies.
