* 0.50% Annual Percentage Yield (APY) Rewards Rate paid on accounts meeting above requirements with balances up to $15,000. 0.10% APY is paid each qualifying calendar month above $15,000. For any nonqualifying months, your account is a free checking account earning 0.03% APY; you will not receive ATM charge refunds for that month. Rates are subject to change. Offer limited to Co-op Advantage Checking Personal Accounts. No monthly service charge. Free Online Bill Pay. Service charges could reduce the earnings on this account.
** APYs of twelve local financial institution checking accounts were obtained by online research conducted by UMassFive, with the average checking account APY being 0.12% as of February 5, 2024. APYs used from local financial institutions are based on the highest rate available on any consumer checking account, regardless of account balance and/or qualifications. Local is defined as the financial institution having a branch presence in one or more of the following Massachusetts counties: Berkshire, Franklin, Hampden, Hampshire, or Worcester. Rates are subject to change without notice. Please contact us to obtain further information on the sources used to obtain average checking account APYs.
^ Qualifying accounts with be refunded up to $10 each calendar month for any ATM charges imposed. To qualify for this refund, you must have at least 1 Direct Deposit or ACH Auto Debit to your share draft checking, enroll in eStatements through Online Banking, and make at least 12 debit card purchases.
# uChoose Rewards points accumulate automatically for all card purchases once debit card is enrolled in program. Points post at the start of each month, and can be redeemed for rewards at any time via Online or Mobile Banking. Balance transfers and cash advances not eligible for points accumulation. See uChoose terms & conditions for additional information.