couple smiling in sunset

Cash Rewards Checking

Home » Personal » Checking » Cash Rewards Checking

Reward Yourself with 1.50% APY*

Earn dividends on your checking balance while you do your shopping, pay your bills and live your life. Just $50 opens your Cash Rewards Checking with no monthly fees. This rewards-earning account comes packed with a long list of extras, including surcharge-free ATM access at over 30,000 CO-OP Network ATMs. Want to use an ATM that’s not part of our network? No problem. We’ll refund up to $20 per month in surcharge fees from any ATM*. Need a loan? Learn more about our personal Cash Loans program.



Open Your Cash Rewards Checking Account Today

    • 1.50% APY*
    • No monthly fees
    • ATM fee refunds (up to $20 monthly)*
    • Free overdraft protection
    • $50 minimum initial deposit
    • Earns competitive rates on average monthly balance

There are no minimum balance requirements. Just use your Cash Rewards Checking account like you would any other and you’ll see your cash rewards add up fast.

  1. Complete a minimum of 10 debit card purchases per month
  2. Have a direct deposit or ACH transaction post to your St. Helens Community account
  3. Use e-Statements and maintain a valid email address

If you don’t qualify one month, don’t worry. You won’t lose your account. You can start earning rewards the next month. Plus, you’ll still earn dividends on your account balance whether you earn rewards or not.

Open Your Cash Rewards Checking Account Today

Current Members: Apply now, call us at 503.397.2376 (toll free: 800.275.6434), or stop by any branch.

New to St. Helens Community?: It takes less than 15 minutes to join the Credit Union and open your Cash Rewards Checking account online. You’re also welcome to call 503.397.2376 (toll free: 800.275.6434) or stop by any branch.

Ready to open your account?
Get Started Today

You might also be interested in...

Team Up for Schools

visa credit cards

When you pledge your support for the Indians, Columbians, or Lions, we’ll send you a special debit card. We’ll also pledge our support by donating 5¢ to your favorite high school every time you use that new debit card.
Learn more


couple looking at laptop together

With e-Statements, you can save money and add security to your finances. Instead of mailing you a paper statement, you can view yours anytime you like.
Learn more

Bill Pay

asian girl with laptop_billpay

Bill Pay is one of the greatest Online Banking features ever. How do we know? Because members tell us how much they love it every day.
Learn more

*APY= Annual Percentage Yield. Annual Percentage Yield (APY) accurate as of 1/1/2016. Rate tiers are as follows: 1.50% APY* applies to balances of $.01 – $15,000 and 0.28% APY* applies to balances over $15,000 as long as qualifications are met each statement cycle. 0.01% APY* applies to all balances if qualifications are not met. All balances will earn 0.28% APY* to 1.50% APY* as long as qualifications are met. Rates may change after the account is opened. Fees may reduce earnings. Qualifying transactions must post and settle to the account during the monthly qualification cycle. Qualification cycle ends on the second to the last business day of each month. Transactions may take one or more business days from the transaction date to post and settle to an account. Intra-bank transfers do not count as qualifying ACH transactions. ATM Fee reimbursements provided only if qualifications are met within the monthly qualification cycle.