APY (Annual Percentage Yield) as of July 21, 2025, and is subject to change. Dividends are paid monthly based on average daily balance. Fees could reduce actual earnings. Checking account and debit card establishment are subject to approval through a consumer reporting agency. Members age 17 and under require an adult joint owner. Courtesy pay is subject to the Credit Union's discretion, account must be in good standing and meet conditions as defined in the Credit Union's discretionary courtesy pay practices, which will be provided at account opening. Foreign transaction fees are 2.00% of each transaction in United States dollars (USD) and may be assessed on purchases or online purchases made in the United States if the merchant is in a foreign country. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
Rewards Checking: Dividends will only be paid if the combined total of debit and credit card purchase transactions reaches 15 or more within the month. All qualifying transactions must post to the account and the funds must be available to fund the transaction by 3:00 p.m. on the last business day of each month. Rewards Checking bonus: 1st United Visa Rewards account holders will receive a 50% bonus (1.5 points per dollar spent) on their Rewards points if they perform 15–29 combined debit and/or credit card purchase transactions or a 100% bonus (2 points per dollar spent) if they perform 30+ combined debit and/or credit card purchase transactions. Bonus will be credited in the subsequent Visa cycle.
Interest Checking: A $1,000 average daily balance or a $10 monthly fee applies.