Put Your Money to Work
Earn up to 4.50% APY* on your everyday balance—just by using your account like you normally do!
Same Habits. Better Results.
- Use your debit card
- Get paid via direct deposit
- Stay connected digitally
How to Earn 4.50% APY*?
Just:
- Use your debit card 10+ times
- Receive $1,000+ in direct deposit
- Enroll in eStatements
You're likely already doing this!
What You'll Get:
- 4.50% APY* on balances up to $10,000
- Free debit card replacement (1/year)
- 30,000+ surcharge-free ATMs
- Card controls with CardCentral
- Free Online & Mobile Banking
- Local service right here in Downriver
Start Earning More Today
Why Members Choose this Account
- Earn more without changing your habits
- No monthly fees
- Local support when you need it
- Built for everyday money—not just savings
High Yield Checking – Quick FAQs
How much do I need to open an account?
You can open your High Yield Checking with just $25.
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!
Is there a monthly fee?
Nope.
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 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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