Get 5.00% APY*

Earn 5.00% APY* on balances up to $20,000 with Rewards+ Checking.

Rewards+ Checking Account Rates
Balance APY*
$0 to $20,000.00.10% - 5.00%**
$20,000.01 and up.10%**

**The blended rate will range from .10% APY to 5.00% APY depending on your account balance. The higher APY is the Reward Rate. To qualify for the Reward Rate, requirements must be met. View additional account information for details.

**The blended rate will range from .10% APY to 5.00% APY depending on your account balance. The higher APY is the Reward Rate. To qualify for the Reward Rate, requirements must be met. View additional account information for details.

Balance APY*
$0 to $20,000.00.10% - 5.00%**
$20,000.01 and up.10%**

**The blended rate will range from .10% APY to 5.00% APY depending on your account balance. The higher APY is the Reward Rate. To qualify for the Reward Rate, requirements must be met. View additional account information for details.

What's included with Rewards+?

Open Account Online
Early Direct Deposit

Set up your direct deposit and get paid up to two days earlier1 and enjoy a more flexible payday schedule.

Waived Overdraft Fees

Have peace of mind with up to 2 waived overdraft fees each month2. Swipe, insert or tap your card without worries.

Earn Rewards Points

Earn 1 point for every $4 you spend3. Redeem your rewards points for cash back, gift cards, travel and more.

Round Up Feature

Every transaction will round up to the next whole dollar and deposit the change to your Savings account4.

Earn 5.00% APY*

Get 5.00% APY* on balances up to $20,000.00 and get 0.10% APY on balances $20,000.01 or above.

Open Account Online
*

Annual Percentage Yield. The Annual Percentage Yield may change monthly. View additional account information.

Qualified APY of 5.00% is for balances up to $20,000.00 only. Balances $20,000.01 or above will receive an APY of 0.10%. OKCU will use the daily balance method to calculate the interest on your account. OKCU reserves the right to modify or change this agreement at any time. Fees may reduce earnings. You will earn the qualified APY by completing 25 Rewards+ Debit Card swipes or Rewards Credit Card swipes per month (transactions must post by the last calendar day of the month) and you must enroll in eStatements. ATM transactions do not qualify as a transaction. Only one Rewards+ account per primary member. Rates are earned when qualifications are met. If the requirements are not met, the account will earn the default APY of .10%. 

$12.99 non-refundable monthly fee. $25 minimum opening deposit. No minimum balance requirements after your initial opening deposit.

1

OKCU may, under our discretion, post Direct Deposit (ACH) up to 2 days earlier than the scheduled posting date of the payer. Early availability of funds is dependent on receiving the posting file from the payer. Maximum early Direct Deposit (ACH) amount is $10,000. OKCU does not guarantee 2 day early deposit on all Direct Deposits (ACH) as certain restrictions apply. Direct deposits that are not posted early will be made available according to our funds availability schedule. Accountholder is responsible if the deposit to your account is returned, rejected or uncollectable. OKCU may discontinue 2 day early deposit at any time. Other exceptions may apply.

2

$27.50 per NSF fee occurrence and you may have multiple occurrences on the same day. Your fees count against the Courtesy Pay limit. Account must be open 60 days for Courtesy Pay. Balance must be made positive within 30 days or account may be closed. Courtesy Pay will be suspended if account is negative 30 days or if loan is 20 days past due. Courtesy Pay may be reactivated once account has been positive for 30 days. Courtesy Pay is not guaranteed and could be revoked at any time without prior notice

3

How You Earn Rewards Points:

  • Cardholders will earn one point for every four U.S. dollars ($4) in eligible net purchases. "Net purchases" are defined as the dollar value of goods and services purchased beginning with the first day of the month that includes the Enrollment Date, minus any credits, returns, or other adjustments as reflected on monthly billing statements. Negative points will post on a statement if returns or credits exceed purchases.
  • Transactions excluded from point calculation include: (a) ATM withdrawals (b) any fees and card-related charges posted, including ATM fees, over-limit fees, and monthly fees; or (c) any unauthorized charges or transactions.
  • Points may be earned only if the applicable account is in good standing. If the account is closed for any reason, all points that were accumulated but unused will be forfeited immediately.
4

The Round Up feature will never make you go negative, and you can turn the feature off at any time by calling us.