High-Yield Checking (HYC) - InTouch Credit Union
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High-Yield Checking (HYC)

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Earn Higher Interest on Any Balance Amount

Open Your Account Today


High-Yield Checking (HYC) appeals to members who are primarily focused on one particular checking feature - the highest possible dividend (interest) rate. This minimum-frills checking account pays dividends based on your monthly net debit card spending- the more you use your debit card for purchases, the higher your dividend rate will be for the month.

Two Ways to Earn More with High-Yield Checking

The High-Yield Checking account is unique in featuring two ways to increase the dividend rate you earn on your deposit balances.

The More You Spend, the Higher Your Dividend Rate

Use your debit card for purchases and bills whenever you can to reach the highest possible spending tier each month. The spending tier you reach each month will determine the dividend rate for the month, up to the maximum "cap" balance (currently $30,000.00).

Spending Tiers

  • Tier 1: $500.00 - $749.99
  • Tier 2: $750.00 - $1,499.99
  • Tier 3: $1,500.00 - $2,499.99
  • Tier 4: $2,500.00+

View current rates

Use our High-Yield Checking Monthly Debit Spend Calculator to see the impact your spending will have on your rate.

Please note, a monthly fee will apply if debit card spending does not reach at least Tier 1 each month; see Fee Schedule for additional information.

High-Yield Checking Certificates of Deposits (CD) Provide Our Highest Dividend Rates

With your HYC Account, you can take advantage of special premium rates (over regular CD rates) on select HYC Certificates of Deposit (CDs)!

HYC CDs earn an additional 25 basis points (over regular CD rates) while an HYC account is open and in good standing.*

For as little as $1,000.00, you can enjoy special CD offers on 3-, 6-, 12-, 24-, 36- and 60-mo. CD! Visit our All Rates page to see current rates.

*The HYC CD rate will be reduced to the equivalent regular CD term (at the time it was opened) if the HYC account is closed while the HYC CD is still open. Rates subject to change without notice. For CD rates and disclosures, visit our All Rates page.

Earn More With Your Checking Account!

Open Your High-Yield Checking Account Today

Additional Benefits to Get Even More Value from Your High-Yield Checking Account

The following services are included or available, most of them without additional charge, to complement the High-Yield Checking Account:

High-Yield Checking FAQ

Q: Are there other checking accounts that pay dividends on balances?

A: InTouch also offers the Prime checking account that pays tiered dividend rates based on your account balance rather than debit card use. Be sure you pick the account that best suits your needs by checking out our checking comparison chart.

Q: Where are the 30,000 surcharge-free ATMs located?

A: The ATMs in the CO-OP network are located in all 50 states and 10 countries. The nearly 30,000 ATM network is larger than almost any bank network. You can find an ATM near you easily using our branch and ATM locator.

Three Ways to Open Your Account

1 See Retail Fee Schedule for fee and related disclosures.
2 Message and data rates may apply.