Advantage Checking

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Advantage Checking
4.00% APY1

Introducing our NEW High-Yield checking.
You work hard. Your money should too!

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4.00% APY1

A checking account that pays you? Yup!

You work hard, and your money should too! Open up our new Advantage Checking, and watch your earnings roll in on balances up to $10,000!1

  • Same benefits as Basic Checking, but you'll earn 4.00% APY1
  • No monthly fees or minimum balances
  • Don't meet the monthly qualifications1? That's ok, you won't get a fee and you can try again next month!
  • Receive your money up to 2-3 days early with Early Payday2
  • Automated Fraud Alerts
  • Debit card controls with Card Management

Check this out!

Say you keep an average $1,500 in your checking account, that means you could be earning about $5 a month! Hey, that’s like a free coffee, just for banking with us!1 If you don’t meet the qualifications to earn dividends, no biggie, we won’t fee you. There’s always next month! Play with our calculator below to see how much you could potentially earn.3

Want to keep more than $10,000 in your checking? Don't worry, you won't miss out! Our Advantage Checking offers tiered dividends for higher balances too. See those rates here. If you have any questions, feel free to call us at 734-676-7000.
Annual Percentage Yield
Average Daily Balance
Estimated Yearly Earnings
Compounding Period
To qualify for the rate, you'll need to complete these items below monthly. 

  • 18 or more qualified debit card transactions over $5 (posted in a calendar month)
  • At least $700 in electronic deposits (ACH/Mobile Deposit)
  • Enrolled in eStatements

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Advantage Checking

1APY = Annual Percentage Yield. Advantage One Credit Union limits the Advantage Checking product to one account per member social security number. To earn the advertised dividend for your Advantage Checking account, you must have: at least 18 Point-Of-Sale debit card transactions of $5 or more posted in a calendar month, $700 or more in electronic deposits (ACH or Mobile Deposit) posted in a calendar month, and be enrolled in eStatements. Balance tiered rates: $0 - $10,000 = 4.00% APY,  $10,000.01 - $25,000 = 0.20% APY, $25,000.01 - $100,000 = 0.25%, $100,000.01+ = 0.30% APY. If you don't meet the qualifications for the advertised dividend, you will not be eligible to earn dividends for that month. Rates and terms are subject to change without notice. Dividends are paid on average daily balance, at the end of the month. Fees may reduce earnings on the account. No minimum balance to open the account or earn dividends. Fees may reduce earnings on account. If the account is closed before dividends are credited, accrued dividends will not be paid. The annual percentage yield is accurate as of 03/01/2024.
2Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2-3 days earlier than the scheduled payment date. Advantage One cannot guarantee early deposits in all cases.
3The earned per year amount shown is calculated by a full year at the account balance amount selected in the slider. Your results may vary as your daily account balance fluctuates.