Use your card sooner
Your new card appears in the app shortly after it's ordered. Once it's ready the next day, you can start using it before the physical card arrives.
Pay in stores and online
Use your card online or add it to your mobile wallet. Built-in protections like Face ID, fingerprint, or passcode keep purchases secure.
Get your physical card
Your mailed card will come within 10–14 business days. Once it arrives, activate it and you're ready to go.
*APY = "Annual Percentage Yield." APYs accurate as of July 21, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA.
The example provided is for illustrative purposes only. As of December 26, 2025, NCUA reports the national average interest rate for savings accounts offered by banks is 0.32% APY, based on a $2,500 balance, and the national average interest rate for savings accounts offered by credit unions is 0.19% APY, based on a $2,500 balance. Preferred Savings is a tiered account; for this account, the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. Limit of one Preferred Savings account per member.
See it in action!
Tap-to-pay uses your phone’s built-in security—like Face ID or fingerprint—and never shares your actual card number.
Checking account rates
Account | Average Daily Balance | APY* |
|---|---|---|
Premier Checking | $0 - $24,999 | 3.75% |
Premier Checking | $25,000+ | 1.25% – 3.75% |
Everyday Checking | Any | 0.00% |
*APY = "Annual Percentage Yield." APYs accurate as of July 21, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA.
Premier Checking is a tiered account. For this account the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. Limit of one Premier Checking account per member.
Savings account rates
Average Daily Balance | Membership Savings | Everyday Savings | Preferred Savings | Premier Savings | Elite Savings |
|---|---|---|---|---|---|
APY* | APY* | APY* | APY* | APY* | |
$1,000,000+ | 0.05% | 1.00% | 0.75% – 4.00% | 3.00% | 4.25% |
$250,000 - $999,999 | 0.05% | 1.00% | 0.75% – 4.00% | 3.00% | 3.75% |
$100,000 - $249,999 | 0.05% | 1.00% | 0.75% – 4.00% | 3.00% | 3.50% |
$25,000 - $99,999 | 0.05% | 1.00% | 0.75% – 4.00% | 3.00% | 0.50% |
$15,000 - $24,999 | 0.05% | 1.00% | 0.75% – 4.00% | 0.10% | 0.50% |
$10,000 - $14,999 | 0.05% | 1.00% | 4.00% | 0.10% | 0.50% |
$100 - $9,999 | 0.05% | 0.10% | 4.00% | 0.10% | 0.50% |
$0 - $99 | 0.00% | 0.10% | 4.00% | 0.10% | 0.50% |
*APY = "Annual Percentage Yield." APYs accurate as of July 21, 2026. Rates subject to change without notice. $5 Membership Share account required. Federally insured by NCUA.
Everyday Savings, Premier Savings, and Elite Savings accounts are tiered accounts; if the account balance falls within the range for a particular tier, the dividend rate and APY for that tier will apply to the entire balance in the account.
Preferred Savings is a tiered account; for this account, the specified Dividend Rate for a tier will apply only to the portion of the account balance that is within that tier. Limit of one Preferred Savings account per member.
Ready to earn more on your money? Open a savings account.
Frequently asked questions
When will my card be available digitally?
Your card will appear in the app shortly after it's ordered. Once it's ready the next day, you'll be able to view your card details, use it for online purchases, and add it to your mobile wallet.
Do I still get a physical card?
Yep. This just lets you start using your card sooner while the physical one makes its way to your mailbox. Physical cards typically arrive in 10–14 business days.
Do I need to activate my card?
When your card is ready in the app, select “Finish Setup”, then choose "I don't have my physical card" to finish setting up your digital card. Only choose "Activate card" after your physical card arrives in the mail.
When does this apply?
Whenever you’re issued a new or replacement debit card.
Why should I add my card to my mobile wallet?
Adding your card to mobile wallets like Apple Pay® or Google Wallet™ lets you pay with your phone anywhere contactless payments are accepted. Mobile wallets are also protected by built-in security features like Face ID, fingerprint authentication, or a passcode.
What if I don’t use a mobile wallet?
No problem. Once your card is ready, you can view your card details in the app and use your card number, security code, and expiration date to make online purchases.
Is this secure?
Yes. Mobile wallet payments use a secure digital card number instead of sharing your actual card details. They also require your device's security—like Face ID, fingerprint authentication, or a passcode—to complete a purchase.
Where do I find this?
Log in to the app and head to the Cards tab.