High Yield Checking
Why let your money sit when it can work harder for you? With High Yield Checking at Community Focus Federal Credit Union, members across Downriver, Michigan can enjoy 4.50% APY* on balances up to $10,000—all by doing the things you already do every month.
How to Qualify (It’s Easier Than You Think!)
You don’t need thousands to get started. Just:
- Open your account with $25
- Set up $1,000+ in monthly Direct Deposits (payroll, Social Security, or pension)
- Make 10+ debit card purchases per month (signature-based)
- Stay connected with Online Banking + enroll in e-Statements
That’s it—no hoops, no stress. Just rewards.
Perks You’ll Love
- 4.50% APY* on average daily balances up to $10,000
- 1 free debit card replacement every year
- 6 free shared branch transactions monthly
- Superb debit card controls with CardCentral
- Free Online and Mobile Banking
- Access to local, friendly service right here in Downriver, Michigan
- Plus access to over 30,000 CO-OP Network ATMs
Why Choose High Yield Checking at CFFCU?
Because we’re not just a bank—we’re your community partner. We help our members in Brownstown, Woodhaven, Southgate, Ecorse and across the Downriver area earn more, save smarter, and bank with confidence.
Ready to start earning more on your everyday checking? Open your High Yield Checking today with just $25 and watch your money grow!
High Yield Checking – Quick FAQs
What is High Yield Checking?
It’s a checking account that rewards you with 4.50% APY* on balances up to $10,000 when you meet simple monthly requirements.
What if I don’t meet the monthly qualifications?
No worries—you’ll still have a free checking account, just without the high-interest reward for that month. You can try again next month!
How much do I need to open an account?
You can open your High Yield Checking with just $25 at Community Focus Federal Credit Union in Downriver, Michigan.
Is there a monthly fee?
Nope! There are no monthly service fees for High Yield Checking.
Do debit card purchases have to be credit (signature) or PIN?
To qualify, you’ll need at least 10 signature-based debit card transactions each month.
Can I still access ATMs and shared branches?
Absolutely! You get 6 free shared branch transactions per month and access to 30,000+ surcharge-free ATMs nationwide.
Who can open a High Yield Checking account?
Anyone who qualifies for membership at Community Focus FCU. If you live, work, worship, or go to school in the Downriver area, chances are you’re eligible!
*APY = Annual Percentage Yield. To earn the advertised dividend for your High Yield Checking account, you must you must meet the following minimum checking account requirements each statement cycle: (1) make minimum 10 debit card purchase transactions on accounts to which you are an owner during the statement cycle, (2) receive an aggregate of $1,000 or more during the statement cycle in recurring direct deposits to the account, and (3) be enrolled in Online Banking and receive monthly eStatements. Statement cycle: The 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. 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.
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