Earn 4.00% APY*
without changing how you spend.


With CSCU’s Spend Smart account, you don't have to change how you spend...Just where you bank! Our Spend Smart Account allows you to earn more by simply doing what you already do. Open today to begin earning 4.00% APY* on eligible balances when you meet the activity qualifiers** each month.

 
Open an account
 
 

Perks of A cscu checking account

Get paid early

Visa Debit Card

No Monthly Fees

Ready to get started?

Open your account online, or stop by one of our local branches.

We look forward to helping you Bank Happy, Spend Smart, & Live Well!

Get Started

We've worked hard to make your checking account BETTER!

Take advantage of these other account perks:

eStatements

Automated Round Up Savings

Spend Analysis

Contactless Payments

24/7 Alerts

BillPay With E-Bills

In-App Card Management

Mobile Check Deposits

MFA Protection

P2P Payments

Mobile Banking

Credit Score & Financial Wellness Tools

Qualifiers

Qualifiers

  • $1,000 or more in direct deposit transactions per month.

  • 20 posted debit card transactions per month***

  • Go paperless with eStatements

 *APY is annual percentage yield. Interest rate equals 3.93%. Balances of $1,000.00 - $10,000.00 earns 4.00% APY. Dividends are calculated daily on end of day balances, paid out monthly. Rates are subject to change without notice. See our Truth in Savings Disclosure.
** Activity Qualifiers trigger interest rate calculation on eligible balances. They are not required in order to use the account. The account has no minimum balance requirement. In order to earn interest, the account must have a balance greater than $1,000.
*** PIN or Signature-based transactions on debit cards are combined to meet the criteria. Transactions must be of at least $10 to qualify. All transactions must be posted on your account by the end of the month. Pending transactions are not counted towards the minimum qualifiers.