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Checking Accounts

Ultimate Checking

We are pleased to introduce our new, dividend earning checking account - Ultimate Checking! 

Benefits of Ultimate Checking: 

  • Earn 3.00% APY* on balances up to $15,000 and 0.25% APY* for balances over $15,000.01
  • Free VISA Debit Card
  • No minimum account balance requirements
  • No Fees 


  • Minimum of 12 monthly point of sale debit card purchases of $5 or more***
  • Mimimum of 1 ACH deposit of $100 or more per month
  • E-statement enrollment

*APY= Annual Percentage Yield.  ***Debit card purchases must each be point of sale transactions of at least $5.00; ATM processed transactions do not count towards qualifying debit card transactions. Transactions may take one or more business days from the transaction date to post and settle an account. Transactions are counted towards the qualifications for the month in which they post. No annual debit card maintenance fee. Replacement card fees still apply. Annual percentage yield accurate as of January 1, 2023 Rate may change after account is opened. Dividends paid monthly. Fees could reduce earnings on the account.

** 3.00% APY for balances up to $15,000 and 0.25%APY for balances $15,000.01 or greater (criteria met). 0.05% APY on all balances if criteria not met. 

Basic Checking

  • No monthly maintenance fee*** 

  • Easy record keeping with duplicate checks

  • Monthly statements

  • Overdraft protection from savings is available to sign up for

***No monthly maintenance fee regardless of minimum balance, direct deposit, debit card

Club 55

Sweetwater Federal Credit Union presents a golden opportunity for all members 55 years of age or better. The benefits of Club 55 membership include the following:

  • Free checking accounts

  • No minimum balance required

  • No monthly fees

  • Free checks (1 box per year)

  • Duplicate checks for easy record keeping