Interest Options Checking Accounts: Earn More on the Money You Use Every Day
- Options Credit Union
- 5 days ago
- 2 min read
Updated: 2 days ago
At Options Credit Union, we believe your checking account should work as hard as you do. That’s why our Interest Options Checking Account helps you earn competitive dividends on your everyday balance—without giving up the convenience and flexibility you need.
This is local banking that pays you back—simple, rewarding, and built around your values.
Interest Options Checking Account Highlights
Earn Interest Every Month – Enjoy a higher yield than most bank checking accounts, just for keeping your funds local.
No Monthly Service Fee – Keep what you earn. There’s no charge when you meet the minimum balance requirement each month.
Free Debit Card Access – Shop securely with your Options CU Visa® Debit Card, in person or online.
Mobile & Online Banking – Manage your money anywhere with 24/7 digital access, mobile deposit, and bill pay.
Direct Deposit Ready – Get paid faster by having your paycheck or benefits deposited directly.
Free eStatements – Save time, reduce paper waste, and stay organized.
What's New
We've made some exciting updates to help you get more from your money:
Lower Minimum Balance: There is no longer a minimum balance requirement to open an Interest Options Checking, and we have lowered the minimum balance required to maintain and earn to $5,000 - down from $25,000!
Open To Anyone: This account is now open to anyone, not just business accounts.
These changes make our Interest Options Checking more inclusive and flexible for everyone, putting more opportunity in every member's hands. If you regularly carry a larger balance in your checking account, why not convert it to an Interest Options Checking and start earning!
Why Choose an Interest Options Checking Account?
Unlike big-bank “free checking” that gives you nothing in return, Interest Options Checking rewards you for your relationship. Every swipe, every deposit, every local dollar you keep here strengthens the cooperative that gives back to you and your community. Pair it with a Simply Save round up account and earn even more.
Your money stays in Colorado—helping fund auto loans, home improvements, and savings for your neighbors. That’s the credit union difference: your values, your voice, your returns.
Is an Interest Options Checking Right for You?
This account is ideal if you:
Keep an active balance and want it to grow
Use your debit card for everyday spending
Prefer digital convenience with a local touch
Want your checking to be both practical and profitable
The Annual Percentage Yield as of 11/14/2025 is 0.25% APY, rates subject to change without notice , there is no minimum balance to open, the minimum balance required to maintain this account without being imposed a fee is $5,000, the minimum balance required to earn is $5,000, monthly account fee is $15 (waived if minimum balance requirement is met), interest compounds and pays monthly, no withdrawal or transaction penalties.
