Checking & Savings Accounts
Accounts built for real life, not for generating fee income.

Checking Accounts

Free Checking

Our most popular account. No strings attached.

  • No monthly maintenance fee
  • No minimum balance requirement
  • Free Visa debit card with contactless pay
  • 85,000+ surcharge-free ATMs via CO-OP and Allpoint
  • Free mobile check deposit
  • Overdraft protection available
Open Account

Interest Checking

Earn interest on your everyday balance.

  • 0.15% APY on all balances
  • No monthly fee with $1,000 average daily balance
  • $8/month fee if balance falls below minimum
  • All Free Checking features included
  • Free standard checks (first order)
  • Priority member service line
Open Account

Teen Checking

Ages 13-17. Joint account with a parent or guardian.

  • No fees, no minimums
  • Debit card with optional spending controls
  • Mobile app with parental visibility tools
  • Automatically converts to Free Checking at 18
  • Financial literacy resources included
Open Account

Savings Accounts

Share Savings

Your membership account. Required to join Crestline CU.

  • $5 minimum to open and maintain membership
  • 0.10% APY
  • NCUA-insured up to $250,000
  • Qualifies you for all member benefits and loan rates
Become a Member

High-Yield Savings

Earn more without locking up your money.

4.25% APY
On balances $500 and above
  • $500 minimum balance to earn APY
  • No monthly fee
  • Instant transfers to your Crestline checking account
  • Up to 6 withdrawals per statement cycle
Open Account

Money Market

Higher yields for larger balances, with check-writing access.

4.10% APY
On balances $10,000+
  • $2,500 minimum to open
  • Tiered rates: 3.85% APY on $2,500-$9,999
  • Limited check-writing privileges
  • No monthly fee with $2,500 minimum balance
Open Account

Certificates of Deposit

Lock in a guaranteed rate for 3 months to 5 years.

4.15% APY
12-month term, $1,000 minimum
  • Terms from 3 months to 60 months
  • $1,000 minimum deposit
  • Guaranteed fixed rate for the full term
  • Auto-renews at maturity
View All CD Rates

Account Comparison

Feature Free Checking Interest Checking High-Yield Savings Money Market
Monthly FeeNone$8 (waived w/ $1k avg)NoneNone w/ $2,500 min
Minimum to Open$25$25$25$2,500
Earns InterestNo0.15% APY4.25% APYUp to 4.10% APY
Debit CardYesYesNoYes
Check WritingYesYesNoLimited
ATM Access85,000+ free ATMs85,000+ free ATMsNo85,000+ free ATMs
Mobile DepositYesYesYesYes
ZelleYesYesNoNo
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