Everyday Checking

Everyday Checking


  • 0.05% APY* paid

  • Free VISA Debit Card

  • Free teller checks/money orders/cashier's checks

  • Free ATM transacations at Y-12 FCU ATMs and CO-OP ATMs nationwide

  • Free online and mobile banking, mobile deposit, and bill pay


$5 monthly fee waived, and dividends paid by meeting ONE of the following:

  • Minimum $1,000 average daily share balance


  • 10 debit AND/OR credit card monthly combined transactions (based on date posted)


  • Cumulative $500 ACH direct deposit**

Requirements waived for members age 65 and older.


  Schedule an appointment at a branch location.


Open Account

Current Rates

Move your account with ClickSWITCH

*Rates effective as of 6/15/21. APY is Annual Percentage Yield. Rate subject to change after account is opened. Fees may reduce earnings. Third party data or messaging rates may apply.

**Direct Deposit consists of an electronic deposit of wages, pension and/or social security benefits. Transfers of funds, mobile deposits, and deposits from payment vendors (PayPal, Venmo) do not qualify.

Feel Safe & Secure

We are rated five stars and recommended by BauerFinancial.

Learn More