Dividend Checking

Dividend Checking allows you to earn dividends on your balance while saving on fees and enjoying all the conveniences that come with all of our checking accounts.

  • Only $25 minimum deposit required to open
  • Competitive dividends paid monthly on any balance
  • No monthly fees when enrolled in direct deposit and online statements
  • Unlimited check writing and debit card usage
  • Free online and mobile banking provides easy access to manage your money
Note:  If required enrollment in both direct deposit and online statements are not satisfied a $5 monthly service fee is applied.  For more options, see all checking.
 

Features To Make Your Money Work Harder

Dividend checking offers all the flexibility of a day to day checking account, while allowing you to earn monthly on your balance and avoid fees when you use our convenience features. And with no minimum balance required to earn dividends, your money will always be working for you.

VIEW RATES

Easy Access

Free online and mobile banking provides you easy access to manage your money.  No matter the device, you have the ability to access your account, pay bills, budget, make deposits and transfer money.  Conveniently view your statements at any time online within online banking.
 
Free Direct Deposit electronically deposits your recurring income into your Dividend Checking account, which means your deposits are made automatically. In addition to saving time, your funds will be available the same day and you don’t have to worry about your checks being lost or stolen. Direct Deposit is the most convenient and secure way to deposit your money.

A Debit Card Designed For You

Choose from a Credit Human, Spurs or UTSA Rewards Debit Card design – all exclusively from Credit Human. Access funds at ATMs, including Credit Human ATMs in the San Antonio and Houston areas, and make purchases anywhere you see the Mastercard® logo.

Use your Credit Human debit card with your digital wallet at participating retailers.  Just add your debit card to Apple Pay, Samsung Pay or Android Pay and complete transactions right from your mobile device.  Plus with Card Control you can turn your debit card on and off, set alert preferences and more - all from your mobile phone with the mobile banking app.

You'll earn rewards with every purchase with the Credit Human debit card rewards program, with no annual fees. Simply choose the Credit option when using your card and you'll earn rewards at a rate of one point for every $2 you spend. Track points and redeem them for things like airline tickets, travel packages and merchandise by visiting www.scorecardrewards.com.

Note: San Antonio Spurs and UTSA debit cards are available at any Credit Human location.


Your Insured Funds

As a Credit Human member, your deposits — checking, savings, certificates, and IRAs — are federally insured up to $250,000 by National Credit Union Administration (NCUA). Similar to deposit insurance coverage offered by the FDIC for banks, the NCUA operates the National Credit Union Share Insurance Fund (NCUSIF) to protect accounts at federally insured credit unions.

More Details:  Account type and ownership factor into coverage amounts. Read up on NCUA Share Insurance (PDF) to maximize your coverage, estimate your coverage online, or call our Member Service Center at (210) 258-1234 or toll free at 800-688-7228 for further information on your insured funds.

Join Credit Human and Become a Member Today

Free Checking

It’s everything you need without monthly fees. Get the convenience of a full-service checking account with no minimum balance requirement.

Share Certificate

Ready to work towards a savings goal? Consider a savings certificate with flexible terms you choose.

Dividend Checking Rates

Account BalanceDividend RateAnnual Percentage Yield
No Minimum0.10%0.10%

Rates are effective as of September 21, 2018

The variable rate may change after the account is opened. Fees could reduce the earnings on these accounts.

Your Credit Human deposits are insured up to at least $250,000 by the National Credit Union Administration (NCUA), as a U.S. Government Agency. In addition, your Credit Human IRA deposits are insured, separately, up to $250,000 by the NCUA. Membership eligibility required. For current rates, APY, or additional information, please ask an Account Service Representative or call the Credit Human Member Service Center U.S. Toll Free at 1-800-234-7228 or in San Antonio at 210-258-1234.

Credit Human checking accounts require a minimum $25 deposit to open.

If your balance is greater than $25,000 and you meet all of the minimum service requirements listed above per cycle, you will receive the Dividend Rate and APY posted for that tier.