Enjoy convenience & security
with MACU checking accounts

Free checking accounts that reward you? Count us in! Kasasa® checking accounts reward you just for doing things that you're probably already doing, like using your debit card!
 
With these brand-new, FREE checking accounts, you can earn ATM fee refunds nationwide! Plus, you can choose a checking account with high-interest earnings, cash back on your purchases or rewards to spend at Amazon.com®, iTunes® and Google Play™.


Earning cash rewards and ATM fee refunds is super simple. To qualify each month, just do really convenient things that you’re probably doing already, like:
  • Use your debit card
  • Log in to online banking
  • Sign up for e-statements
There’s never a minimum balance for rewards. And, if you don’t make it one month, just try again. No worries, no penalties. Your free Kasasa® checking account is always free.
 

Choose the Kasasa account with the rewards you want.

Kasasa® Cash

Get an above-market interest rate with Kasasa® Cash.

Click to Apply
Disclosure >

Cash Details

Kasasa® Cash Benefits
  • Free checking that pays high dividends
  • 2.50% APY* on balances up to $5,000
  • 2.50% to 0.10% APY on balances over $5,000 depending on balance in account*
  • 0.05% APY* if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
  • No minimum balance to earn rewards
  • No monthly service fee
  • Free online banking
  • Online bill pay
  • Free mobile banking
  • Free e-statements
  • Free Visa® debit card
  • Nationwide shared branches via the CO-OP network
  • Nationwide surcharge-free ATMs via the CO-OP & Alliance One networks
  • Unlimited monthly transactions
  • No minimum deposit to open
Earn Rewards

It's so easy to qualify, you're probably already doing it! To earn your rewards, just do the following transactions and activities in your Kasasa Cash account during each Monthly Qualification Cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive e-statements
  • Be enrolled in and log into online banking

That's it. Even if you don't meet your qualifications during the cycle, your Kasasa Cash account is still free. Plus, you'll still earn our base interest rate. And you can get right back to earning your full rewards the very next month!

Terms & Conditions
Click here for terms & conditions.

Kasasa® Cash Back

Earn 4% back on your purchases with Kasasa® Cash Back.

Click to Apply
Disclosure >

Cash Back Details

Kasasa® Cash Back Benefits
  • Free checking that pays you back
  • 4.00% cash back on debit card purchases*
  • No category restrictions on purchases
  • Cash back earned on up to $200 in purchases monthly
  • Earn up to $96 cash back per year, $8 per month
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
  • No minimum balance to earn rewards
  • No monthly service fee
  • Free online banking
  • Online bill pay
  • Free mobile banking
  • Free e-statements
  • Free Visa® debit card
  • Nationwide shared branches via the CO-OP network
  • Nationwide surcharge-free ATMs via the CO-OP & Alliance One networks
  • Unlimited monthly transactions
  • No minimum deposit to open
Earn Rewards
It's so easy to qualify, you're probably already doing it! To earn your rewards, just do the following transactions and activities in your Kasasa Cash Back account during each Monthly Qualification Cycle:
  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive e-statements
  • Be enrolled in and log into online banking at least once

That's it. Even if you don't meet your qualifications during the cycle, your Kasasa Cash Back account is still free. And you can get right back to earning your cash rewards the very next month!

Terms & Conditions
Click here for terms & conditions.

Kasasa® Tunes

Get rewarded for your purchases at Amazon®, iTunes® and Google Play™ with Kasasa® Tunes.
Click to Apply
Disclosure >

Tunes Details

Kasasa® Tunes Benefits
  • Earn $20 iTunes® or Amazon® credit upon initial account opening*
  • Earn $10 every month in iTunes® or Amazon® credit
  • No minimum balance required
  • Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
  • No minimum balance to earn rewards
  • No monthly service fee
  • Free online banking
  • Online bill pay
  • Free mobile banking
  • Free e-statements
  • Free Visa® debit card
  • Nationwide shared branches via the CO-OP network
  • Nationwide surcharge-free ATMs via the CO-OP & Alliance One networks
  • Unlimited monthly transactions
  • No minimum deposit to open
Earn Rewards
Complete the following requirements each month to qualify:
  • Have at least 12 PIN-based/signature-based debit card purchases
  • Be enrolled in and agree to receive e-Statements
  • Be enrolled in and log into online banking at least once
Terms & Conditions
Click here for terms & conditions.

Checking

MACU Kasasa® checking accounts are backed by our commitment to convenience, customer service and account security. By choosing a MACU Kasasa® checking account, you'll enjoy:

  • Access to your account in our branches, online or by smartphone/tablet
  • Real-time fraud monitoring
  • No monthly service charges
  • Free online banking and online bill pay
  • Overdraft protection
  • e-Statements
  • No annual or monthly usage fees
  • Surcharge-free access to nearly 5,000 ATMs nationwide

Current MACU offers

Apply Online

Applying for a MACU loan or credit card has never been easier! To open an account, take advantage of MACU's low-interest loans, or open a low-interest MACU Visa, simply click here to apply! 

Special Offer for MACU Visa Card Holders

For a limited time, when you transfer a credit card balance to your MACU Visa card, you’ll get a 4.99% APR for 18 months* and no transfer fee on balance transfers of $250 or more!

Get a low-rate car loan with MACU!

It's prime car-buying season! With car rates as low as 1.99% APR*, MACU offers some of the lowest rates in the region! Get yourself in that new car or truck you've been dreaming about! 

Great Rates

Auto Loan
Rates as low as 1.99% APR*
Home Equity Line of Credit
Rates as low as 3.99% APR for 24 months***
Advantage Loans
Rates beginning as low as 6.50% APR*
6 Mo. Certificate
1.258% A.P.Y.
12 Mo. Certificate
1.765% A.P.Y.
18 Mo. Certificate
2.45% A.P.Y.
24 Mo. Certificate
2.122% A.P.Y.
Max Money Market
$25,000 - $49,999 - 0.864% A.P.Y. | $50,000+ - 0.914% A.P.Y.
Advantage Savings
$5,000 - $9,999 - 0.592% A.P.Y. | $10,000 - $24,999 - 0.612% A.P.Y. | $25,000 - $49,999 - 0.642% A.P.Y. | $50,000+ - 0.642% A.P.Y.
Visa Platinum
Rates beginning as low as 10.50% A.P.R.*** and 1.99% A.P.R. on all balance transfers!**
RVs, Boats, and Motorcycles
Rates beginning as low as 5.99% A.P.R.*