Checking Accounts to Fit Your Lifestyle

Our checking accounts are designed to help you wherever you are on your financial journey. Choose the one that best fits your needs.

Includes:

*APY = Annual Percentage Yield and accurate as of 3/1/2025. To earn the 5.50% APY on balances up to $25,000, account qualifications must be met during the monthly cycle. Balances of $25,000.01 and over will earn 0.50% APY if all account qualifications are met during the monthly cycle. When qualifications are not met, your account will earn 0.05% APY. No minimum deposit or minimum balance is required to open or maintain the account. A monthly ACH debit/credit, 15 debit card purchases per month, and enrollment in online banking and e-statements are required for this account. These transactions do not count toward earning account rewards: ATM-processed transactions, transfers between accounts and debit card purchases processed by merchants and received by our credit union as Bill Payment transactions. Rates, rewards, and bonuses may change after the account is opened; rates may change without notice. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Accounts must remain active to avoid potential dormancy fees. If account qualifications are not met ATM refunds will not apply. Membership restrictions apply. Advertised high-rate claim is based on FDIC’s National Weekly Rates for interest checking accounts. Claim is independent of any one institution’s offerings. Comparison Source: Interest Checking, FDIC 12/16/2024. Funds federally insured by NCUA. For a copy of all account opening disclosures visit www.TransFCU.org/Fees-Disclosures. Certain restrictions apply. Contact us for details.

**On occasion, we may not receive information ahead of time from the ACH originator and may not be able to post your deposit early. In this case, your deposit will post on the scheduled posting day. TFCU isn’t responsible for NSF fees or penalties from transactions in advance of an anticipated early ACH credit posting.

***Rates, rewards, and bonuses, if any, are variable and may change after the account is opened; rates may change without notice. No minimum balance is required to open or maintain the account; however, rewards less than a penny cannot be distributed. No minimum deposit or minimum balance is required to open or maintain the account. A monthly ACH debit/credit, 15 debit card purchases per month, and enrollment in online banking and e-statements are required for this account. These transactions do not count toward earning account rewards: ATM-processed transactions, transfers between accounts and debit card purchases processed by merchants and received by our credit union as Bill Payment transactions. Membership restrictions apply. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Accounts must remain active to avoid potential dormancy fees. If account qualifications are not met ATM refunds will not apply. Advertised information and rewards are based on all account qualifications being met during each cycle period. Funds federally insured by NCUA. For a copy of all account opening disclosures visit www.TransFCU.org/KasasaDisclosures. Certain restrictions apply. Contact us for details.

****APY = Annual Percentage Yield and accurate as of 3/1/2025. To earn the 2.00% APY on balances up to $100,000, account qualifications must be met during the monthly cycle. Balances of $100,000.01 and over will earn 0.50% APY if all account qualifications are met during the monthly cycle. An Xcelerate High-Yield Checking or Xcelerate Cash Back Checking account is required to have a Momentum Savings account. Rates, rewards, and bonuses may change after the account is opened; rates may change without notice. No minimum balance is required to open an account, earn or receive the account’s rewards; however, rewards less than a penny cannot be distributed. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Accounts must remain active to avoid potential dormancy fees. Advertised information and rewards are based on all account qualifications being met during each cycle period. Fees could reduce earnings. Membership restrictions apply. Funds federally insured by NCUA. For a copy of all account opening disclosures visit www.TransFCU.org/Fees-Disclosures. Certain restrictions apply. Contact us for details.

Monthly Cycle