HD Checking

Choose to earn 2.02% APY!1

"High-Dividend" Checking rewards our loyal members.

With HD Checking, members earn 2.02% APY1 each month that they:

  • Complete a minimum of $250 in debit card purchases
  • Have their net paycheck directly deposited
  • Are enrolled in Online Banking, eStatements and use BillPayer
  • Have an average daily balance of $1,000.00
1No minimum balance requirement. APY (Annual Percentage Yield) earned upon meeting minimum average daily balance of $1,000 or more, minimum of $250 in debit card purchases posted within the calendar month, one electronic (ACH) deposit of at least $100 and monthly use of Online Banking, eStatements and BillPayer (inactivity fees may apply). All requirements must be met on the same account. Dividends of 0.10% APY will be paid on non-qualifying accounts, as long as they maintain a minimum average daily balance of $1,000, and on any portion of the average daily balance above $25,000. Fees may reduce earnings. One account per SSN. Contact Credit Union for details. Federally Insured by the NCUA.

Debit Cards

You can use your Credit Union MasterMoney™ Debit Card at thousands of ATM locations to access your funds 24 hours a day, 7 days a week,1 and make purchases anywhere you see the MasterCard® logo! Funds are deducted from your Checking Account and all transactions are listed on your monthly statement.

You can also enroll in a free optional service called MasterCard SecureCode Activation . This is a free optional service that prompts our cardholders to establish a SecureCode when making a purchase at a participating merchant.

To learn more information about MasterCard SecureCode or to enroll, click here. Be sure to review the Terms & Conditions.

Click here for ATM & debit card FAQs.

1If you use an automated teller machine that is not operated by us, you may be charged a fee by the operator of the machine and/or by an automated transfer network.


PictureIt - Your perfect card awaits!

We believe you are one of a kind ... your card should be too! We can help you get the picture that's right for you on your next card.  Here is just a sampling of some great, personalized card options!








An $8 Debit or getcash Card replacement fee will be applied if your card is not expired or up for reissue, and you request a new card design from our Widgey and Sprock gallery.

Surcharge Free ATMs

CU$ Network

You can also make surcharge-free withdrawals at any ATM in Pennsylvania where you see the CU$ logo. The CU$ Network includes more than 400 credit union locations across the state that have joined together to offer free ATM transactions to all their members. Just look for the CU$ logo or find a surcharge-free CU$ site near you using the ATM locator found here.

Additional ATM locations that are not part of the CU$ Network, but are still free to our membership, include:

CVS Pharmacy 1111 Peninsula Drive, Erie PA 16505
CVS Pharmacy 3800 Pine Avenue, Erie PA 16504
K Mart Shopping Center West           2873 W 26th Street, Erie PA 16506
Target 6700 Peach Street, Erie PA 16509
Millcreek Mall (Macy's Court) 5800 Peach Street, Erie PA 16565
Millcreek Mall (Widget Kidz Zone) 5800 Peach Street, Erie PA 16565