Earn up to

3.00% APY1

Free checking with a great return - and none of the hassle. 


Up to 3.00% APY1 on your account balance


Up to $20 each month in ATM fee refunds2

Early DepositTM

Get paid up to two days early with Early Deposit3


Easy monthly qualifications of 12 debit card transactions, direct deposit of at least $400, and receiving eStatements4

Limit one account per member. No minimum balance to open account. Products subject to change.
1APY=Annual Percentage Yield. APY is accurate as of 7/23/2024. Rates may change at any time without notice. If your account meets all monthly qualifications, you will earn 3.00% APY on balances up to $10,000.00 and 0.10% APY on balances of $10,000.01 and higher. If your account does not meet all monthly qualifications, you will earn 0.05% APY on the entire balance. Fees may reduce earnings. Please refer to our Rate & Fee Schedule for additional information.
2We will refund up to $20.00 each month in foreign ATM fees if all monthly qualifications are met. Refunds will be deposited into your account no later than the last day of the next month.
3Immediate credit of your direct deposit to your Point Breeze account up to two business days early is based upon when we receive your payroll from your employer. Point Breeze Credit Union cannot assume any liability for not depositing these funds to your account early.
4To earn the higher interest rate(s) and foreign ATM fee refunds, you must receive eStatements, have direct deposit(s) of at least $400 per month and complete a minimum of 12 debit card purchase transactions per month using your Point Breeze Visa® Debit Card. Both PIN and signature point-of-sale transactions qualify. Returns, refunds and ATM transactions do not qualify.
Must be/become a Point Breeze Credit Union member. If you work, worship, are a member of and/or volunteer for an organization located within 20 miles of a branch you and your family are eligible to join.
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