Classic Checking
Perfect for members seeking a simple and everyday checking account with no monthly fee added on. Classic Checking Accounts are East Idaho Credit Union’s free checking account solution.
Instant Issue Visa® Debit Card
Access to 30,000 Surcharge Free ATMs (FREE ATM Locator)
Purchase Rewards
Enjoy cashback and other rewardsCURewards®
Earn 1 point for every $2 spent with your EICU Debit CardAccess to All of Our Online Services
Includes eBranch, Mobile App, eStatements, Bill Pay, Remote Check Deposit, and more
Velocity Checking
The Velocity Checking account is an interest-earning checking account with returns up to 2.02% APY*.
Your first $10,000 earns 2.02% APY when you meet the basic criteria:
Enroll in Online banking & eStatements
$2,000+ ACH deposits per month
11+ posted* Debit/Credit card transactions per month
Additionally, everything over $10,000 earns:
0.50% APY when you have a qualifying loan or Certificate*
0.20% APY when you do not have a qualifying loan or Certificate*
Velocity Checking Rates*
With qualifying loan or Certificate
| Average Daily Balance Tiers | APY* |
|---|---|
| First $10,000 ($0.00-$10,000.00) | 2.02% |
| Everything over $10,000 | 0.50% |
Rates effective as of 10/1/2022
Without qualifying loan or Certificate
| Average Daily Balance Tiers | APY* |
|---|---|
| First $10,000 ($0.00-$10,000.00) | 2.02% |
| Everything over $10,000 | 0.20% |
Rates effective as of 10/1/2022
Here’s an example of how much you could earn with a total average balance of $75,000 and you meet the basic criteria & have a qualifying loan or Certificate:
| Tiered Balance | APY* | Annual Interest | ||
|---|---|---|---|---|
| $10,000 | @ | 2.02% | = | $202 |
| $65,000 | @ | 0.50% | = | $325 |
| Total Earned $527 |
*Earn 2.02% APY1 on your average2 balance up to $10,000 when you: Enroll in Online Banking and e-statements, have ACH deposits of at least $2,000.003 per month, and have at least 11 posted4 debit and/or credit card transactions per month. Additionally, earn 0.50% APY on average balances greater than $10,000 when you have a qualifying loan or Certificate5 or 0.20% APY on balances greater than $10,000 when you do not have a qualifying loan or Certificate. If you don’t meet the qualification requirements you will earn 0.05% APY on your average balance.
1 APY = Annual Percentage Yield. Your interest rate and annual percentage yield are subject to change at our discretion and pursuant to applicable law. All applicants must meet East Idaho Credit Union membership and account opening requirements.
2 Interest earned based on average daily balance.
3 ACH deposits must be in the same account.
4 Posted transactions cleared by the end of the account statement cycle. Debit card transactions will only count if made from the Velocity Checking share.
5 The term “qualifying loan” is defined as an open loan with a month-end balance, but excluding Personal Lines of Credit. The term “Certificate” is defined as a Certificate of Deposit.
Golden Access Checking (59 1/2+)
The Golden Access Checking Account is for members age 59 1/2+. Enjoy all the benefits of our other Checking Accounts with no monthly service fee and a free box of checks. You’ve been around the block, isn’t it time you should be rewarded for it?
Maintain all of the great benefits of our Classic Checking Account but with a few extras
No Minimum or Monthly Fees
Free Cashier’s Checks, Money Orders and Checks
1 free box of checks per yearInstant Issue Visa® Debit Card
Access to 30,000 Surcharge Free ATMs (FREE ATM Locator)
Purchase Rewards
Enjoy cashback and other rewardsCURewards®
Earn 1 point for every $2 spent with your EICU Debit CardAccess to All of Our Online Services
Includes eBranch, Mobile App, eStatements, Bill Pay, Remote Check Deposit, and more
