Checking

Advantage Interest Checking

Looking to earn a bit more interest on your money, but don't want your funds tied up for years? AOCU's Advantage Interest Checking is what you're looking for! Get substantially better rates than a standard checking or savings account and keep full availability of your funds. Enjoy all the benefits of basic checking and earn dividends on your money with Advantage Interest Checking.

  • No minimum balance requirements to earn dividends
  • Dividends paid monthly
  • Account access through Online, Mobile and Text banking
  • Mastercard® Debit Card with rewards program
  • Optional Overdraft and No Bounce protection
  • No fees for standard checks
  • 0.25% interest rate bonus on 12-60 month certificates*
  • 0.25% interest rate discount on select loans when payments are auto deducted*
  • $50 refund on mortgage application fees*
  • Higher daily limits on signature based debit card activity
  • Monthly statements (electronic or paper)
  • Access to nearly 30,000 surcharge free ATMs

Maintain an average daily balance of $2,500 in your Advantage Interest Checking Account and one of the following requirements to avoid the $7.00 monthly service fee. 

  • A combination of five (5) or more cleared checks, signature-based debit card transactions, or Bill Pay transactions during the calendar month, OR
  • A minimum $300 Direct Deposit, into either your checking or savings account during the calendar month

Add the Extras

Members who maintain an average daily balance of $10,000 or more can choose to add Benefits Plus to this account for free. A $5.00 monthly service fee applies to accounts falling below the minimum balance requirements.


Advantage Interest Checking
Effective Date: Wednesday, July 18th, 2018
BalanceDividend RateAnnual Percentage Yield
$0 to $2,499.99 0.10% 0.10%
$2,500 to $9,999.99 0.15% 0.15%
$10,000 to $24,999.99 0.20% 0.20%
$25,000 to $99,999.99 0.30% 0.30%
$100,000 + 0.40% 0.40%
Dividends are paid and compounded monthly. No minimum balance requirements required to open account. No minimum balance required to earn dividends. Must maintain $1,000.00 minimum average daily balance to obtain the disclosed Annual Percentage Yield. Rate may change after account open. Fees may reduce earnings.

*Interest rate bonuses on fixed rate certificates only and can not be combined with promotional certificates rates. Rate discount available on installment loans and fixed-rate Home Equity Loans when payments are automatically deducted monthly from checking account. Mortgage application refund is processed after the closing of a new or refinanced first mortgage.
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