Access your debit card instantly
View your card number and other details in the app before your physical card arrives.
Tap to pay with your phone
Add your card to Apple Pay® or Google Pay™ and start making purchases right away—no card required!
Benefit from added security
Feel confident with built-in protections like Face ID, fingerprint authentication, or a passcode.
*APY = "Annual Percentage Yield." APYs accurate as of July 1, 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.
Better banking. No strings.
Banking should be simple—and actually work in your favor. That’s why this account skips the typical limitations:
No monthly service fees
No minimum balance requirements
No transfer or withdrawal limits
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 1, 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 1, 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?
Your card will appear in your app—usually later that day or the next business day. You can use it online right away, and it’s typically ready to add to your mobile wallet shortly after.
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 7–10 business days.
Do I need to activate my card?
No. You can use your card details in the app right away. Your physical card will still need to be activated once it arrives.
When does this apply?
Whenever you’re issued a new or replacement debit card.
What if I don’t use a mobile wallet?
No problem. You can still view your card details in the app for online purchases.
Is this secure?
Yes. Mobile wallet payments use a secure digital card number instead of sharing your actual card details—and require your phone’s security (like Face ID, fingerprint, or passcode) to complete a purchase.
Where do I find this?
Log in to the app and head to the Cards tab.