Checking That Rewards Real Life
Earn up to 4.50% APY* on your everyday balance by using your checking account like you normally do.
New Members: Open Your Account
Current Members: Open in Online Banking
Make Your Everyday Banking Work Harder
You use checking for real life: Groceries. Gas. Bills. Getting paid. Swiping your debit card.
With Community Focus’ High-Yield Checking, those everyday habits can help you earn more from the money already in your account.
No monthly fee. No complicated steps. Just a smarter way to bank.
New Members: Open Your Account
Current Members: Open in Online Banking
How to Earn Up to 4.50% APY*
To qualify each statement cycle, simply:
Use your debit card 10+ times
Receive $1,000+ in direct deposit
Make sure you’re signed up for online banking and eStatements.
You’re likely already doing most of this. Now your checking account can reward you for it!
More Than Just a Great Rate
- Earn up to 4.50% APY* on balances up to $10,000
- No monthly fee
- Card controls with CardCentral
- 30,000+ surcharge-free ATMs
- 6 free shared branch transactions per month
- Free debit card replacement once per year
- Local service right here in Downriver
New Members: Open Your Account
Current Members: Open in Online Banking
High Yield Checking FAQs
Ready to Make Your Checking Work Harder?
Open your Community Focus High-Yield Checking Account today and start earning more from everyday banking.
New Members: Open Your Account
Current Members: Open in Online Banking
*APY = Annual Percentage Yield. Minimum $25 to open. Rates effective July 1, 2026. To earn the advertised dividend for your High Yield Checking account, you must meet the following minimum checking account requirements each statement cycle: make minimum 10 debit card purchase transactions on accounts to which you are an owner during the statement cycle, receive an aggregate of $1,000 or more during the statement cycle in recurring direct deposits to the account, and be enrolled in Online Banking and receive monthly eStatements. Statement cycle is defined as the period beginning on the first day of each calendar month and ending on the last day of the same month. If you don’t meet the qualifications for the advertised dividend, you will not be eligible to earn dividends for that month. Rates and terms are subject to change without notice. 4.50% APY is up to the first $10,000; balances of $10,001+ earn 0.00% APY. Dividends are paid on average daily balance, at the end of the month. All transactions have to settle the account in order to meet the qualifications for both direct deposit and debit card purchases. If you close your account before interest is paid, you may not receive the accrued interest. Fees may reduce earnings on the account. Limit one high interest checking per Social Security number. Membership eligibility required. Federally insured by NCUA.