Checking

*America 250 Checking Account Giveaway: No purchase necessary to enter or win. Open to existing members who open a checking account, and new members who open a membership savings and checking account, between July 1, 2026 and August 15, 2026. Membership eligibility and account requirements apply. Offer cannot be combined with any other discounts or promotions. ULFCU may amend, suspend, or discontinue this offer at any time without notice. On the day of the drawing, the account must be active, in good standing, and maintain a minimum balance of $50. See Official Rules for details.

ULFCU checking account disclaimers:

¹Restrictions apply. Member must have a picture ID to open an account. If the member is a minor, then a guardian must become a joint member on said minor’s account.

²APY=Annual Percentage Yield. Fees may reduce earnings on the account. Must maintain a minimum daily balance of $1,000 to earn dividends. Dividends are paid monthly. Please refer to your ‘Truth in Savings and Electronic Services Disclosure’ found in your ‘Membership Booklet’ for specific details about any account.

Cypress Cash Reward Information:

¹When your Cypress Cash account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $5,000.00 in your Cypress Cash account earn a dividend rate of 2.959% resulting in an APY of 3.00%; and average daily balances over $5,000.00 earn a dividend rate of 0.249% on the portion of the average daily balance over $5,000.00, resulting in a range from 3.00% to 0.38% APY depending on the account’s average daily balance.

²You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Cypress Cash account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction.

³When your Cypress Cash qualifications are not met, the dividend rate earned on the account’s entire average daily balance will be 0.049% resulting in a non-compounding annual percentage yield of 0.05% and ATM withdrawal fees are not refunded.

Dividends will be credited to your Cypress Cash account on the second business day of the next cycle.

Nationwide ATM withdrawal fee reimbursements will be credited to your account on the first processing day of the following statement cycle.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. No minimum balance is required to earn or receive the account’s rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.