Checking & Savings

Easy accounts that work for you.

Credit Human membership begins with a simple account designed to get you saving. All it takes is a $5 deposit to get started.

Open with $5 minimum deposit *
Earn 0.75% APY on daily balances of $100 or more
Even more flexibility for members under age 18
Four free withdrawals per month plus unlimited free withdrawals with balance of $1,500 or more
Funds federally insured up to $250,000

NOTE: Pay $2 per withdrawal if you make more than 4 transactions a month and maintain a balance less than $1,500. For other options, see all Checking & Savings.

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Great Rates and Dividends

Dividends are paid quarterly on any daily balance of $100 or more. Members under the age of 18 earn dividends on minimum daily balances of just $5. Dividends are calculated using the daily balance method. Your balance tier determines the daily dividend rate and annual percentage yield (APY) on the daily account balance. The rate is variable, and may change at any time after the account is opened . Fees could reduce dividend earnings.

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A Great Savings Account for Minors

A Minor Share Savings account is a great option for kids under 18. Get the same great rates and dividends as the grownups with fewer restrictions. A minor who is eligible to be a member can open a Credit Human Share Savings account online with a custodian or guardian. Open an account.

Minor account holders get:

Unlimited free withdrawals with no minimum balance requirement
Dividends paid quarterly on minimum daily balances of just $5.00

NOTE: Minor Share Savings account terms convert to regular Share Savings terms upon the account holder’s 18th birthday.

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 toll free at 800-688-7228 for further information on your insured funds.

Share Savings

Account Balance	Dividend Rate	Annual Percentage Yield
$100.00 and up	0.75%	0.75%

Rates are effective as of May 9, 2025

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

Balance tier determines daily dividend rate and annual percentage yield on the daily account balance.

Your Credit Human deposits are insured up to $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 Member Service Representative or call the Credit Human Member Service Center U.S. Toll Free at 1-800-234-7228.

* Each member of Credit Human is also a part owner and your $5.00 deposit establishes your membership. You must maintain $5.00 in your share savings account at all times to cover your ownership share in Credit Human.

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Free Checking

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

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Money Market Savings

Step up to an insured deposit account that motivates saving with higher dividends as your balance grows.

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