Checking Rates & Fees
Manage your daily finances with a checking account from North Island loaded with amazing features! Compare the benefits and services to choose the best account for you.
|Account Type||Minimum deposit to open and earn APY||Dividend Rate||APY|
|Minimum Opening Deposit||$100||$25|
|Monthly Maintenance Fee||
|Paper Checks||At cost||1 box free at account opening,2 then at cost|
|Dividends||Yes, minimums apply3||No|
|Digital Banking||Fee-free, optional||Fee-free, included|
|Online Bill Pay||Fee-free||Fee-free|
Co-Op ATM Access
at over 30,000 nationwide4
|Automated Telephone Attendant||Fee-free||Fee-free|
|Direct Deposit of payroll and government checks||Yes||Yes|
Find a branch | Call (800) 848-5654, option 5
Terms & Conditions
APY = Annual Percentage Yield. APY is accurate as of the last dividend declaration date. Rates may change after the account is opened.
1$2 monthly fee also is waived with direct deposit ($400+/mo. minimum into checking that receives the direct deposit), OR if under age 18.
2Applies to initial order of North Island checks at account opening. Other designs and subsequent orders available at cost.
3Effective April 26, 2014, balances over $10,000 earn a dividend rate of .05% (Annual Percentage Yield: .05%).
4All ATMs in the Co-Op Network are fee-free to Island members. Co-Op is a nationwide network of over 30,000 ATMs owned by credit unions, including North Island, as well as participating 7-Eleven® store ATMs.
Programs (including but not limited to fees, rates, and features) are subject to change without notice. After account is opened, dividend rate and APY may change at North Island Credit Union's discretion. Fees may reduce earnings.