First Rewards Checking

Set up to really pay off.

Combine the freedom of a checking account with the earnings of an investment account to earn rewards on your checking account with First Rewards Checking. Earn 1.99% APY1 with no fees when qualifications are met. 

  • No Minimum Balance Required
  • Overdraft Options2
  • .20% APR3 rate discount on Auto and Personal loans 
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Let your money work for you

With a First Rewards Checking account, earn high dividends paid monthly.

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3 Easy Qualifications 4

  1. 12 Debit Card purchases post and clear each month

  2. Receive full payroll through Direct Deposit

  3. Sign up for eStatements

First Rewards Checking Rates

  Min Balance To Open Min Balance To Earn Min Balance - $5K DIV - APY1 $5K+ - $10K DIV - APY1 $10K+ - $20K DIV - APY1 $20K+ DIV - APY1
First Rewards² $25.00 $0.00 1.96% -  1.99% 1.96% -  1.99% 0.14% -  0.15% 0.14% -  0.15%

Free Checking

Totally easy, hassle free.

Money Management

Start financial growth at a lower minimum.

Compare all Checking Accounts

Need more options? Explore accounts that get members moving towards financial goals.

Ready to get started

Are you ready to let your money work for you? First Rewards Checking Accounts may be opened online or in-person. 

Debit Card Styles

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Overdraft Options

Emergencies happen, we’ve got you covered.


Investments & Planning

Here to help you build a stronger tomorrow.


1The APY (Annual Percentage Yield) for balances up to $10,000 will be 1.99% APY when the qualifications for the First Rewards Checking are met and .15% APY for balances over $10,000. Dividend rates and APY are subject to change monthly without notice. The calculation method used for calculating the APY is “Method B”. Method B blends the below cap interest rate with the above cap interest rate when determining your actual APY. As a result, your actual rate will vary, depending on the balance in the account and will be in the range of 1.99% APY - 0.15% APY. In any month where all qualifications are not met, a monthly fee of $4.95 will be assessed. Members will automatically qualify for the Rewards for the first month their account is open and will not incur the monthly fee of $4.95 in the first month.

2Overdraft Options are available on most FCCU consumer checking accounts being maintained in good standing and the member is 18 or older. Standard Overdraft Practices automatically come with most accounts. For debit and ATM transactions to be covered, you must Opt-in to Enhanced Overdraft Privilege. Overdraft Transfers are an option. Nominal fees may apply for the service selected.

3APR = Annual Percentage Rate. 


4Qualification period begins the first day of each month and ends at the cut-off time of 10pm CST on the last business day of each month. Credit Union closed on Sundays and Holidays. Rates valid as of 5/11/2021

Become a Member

Open an Account Personal appointmentMake an in person appointment Online bankingEnroll in Online Banking

Money Tips

Top tips to keep your finances on track.

FCCU Card Manager

Manage your FCCU Visa Rewards Card with ease!

Direct Deposit Form

Click here to download and print the form for payroll deduction.

Overdraft Options

Emergencies happen, we’ve got you covered.