Checking Account options to best fit your needs.

Our Checking Rates

Compare Kasasa, Choice and Premier Checking Accounts

Use the chart below to compare information for our four checking account options.


Kasasa Cash® Checking Kasasa Cash Back® Checking
Best For High Balances Debit Card Use
  • 3.00% APY* on balances up to $25,000
  • 0.25% APY* on balances over $25,000*
  • 0.05% APY* if qualifications aren’t met
  • Free Kasasa Saver® to build savings automatically
  • 3.00% cash back on debit card purchases*
  • Cash back earned on up to $300 in purchases monthly
  • Earn up to $108 cash back per year, $9 per month
  • Link to free Kasasa Saver® to build savings automatically
No Minimum Balance Requirement
No Monthly Maintenance Fee
ATM Withdrawal Fee Refunds (up to $15 per month)*
Free Access to online and mobile banking
Free Visa® Debit Card
Minimum Opening Deposit $0 $0
Courtesy Pay Protection
FREE Audio Response
FREE eStatements
Mobile Payments

*APY=Annual Percentage Yield. APYs accurate as of 2/20/2020. Rates, rewards, and bonuses, if any, are variable and may change after account is opened without notice to you. Fees may reduce earnings. Kasasa, Kasasa Cash, Kasasa Cash Back, Kasasa Saver, and Kasasa Protect are trademarks of Kasasa, Ltd., registered in the U.S.A. See Kasasa Cash®, Kasasa Cash Back® and Kasasa Saver® pages for details, terms and conditions.


HRCCU Choice Checking HRCCU Premier Checking
Best For Members 15 & older $500Minimum Balance
Minimum Balance $0 $500**Earn dividends. See interest rates below. 
Monthly Service fee $0 $5**Fee charged if Average Daily Balance falls below $500.
Check Order Fees First order of 80 free BASIC Checks Free Unlimited BASIC Checks
Per Check Charges $0**Additional fees may apply.  $0
Visa Debit Card Access
FREE* ATM Transactions
*Foreign ATM fees apply. 
Courtesy Pay Protection
FREE access to online & mobile banking
FREE Audio Response
FREE eStatements
Mobile Payments
Kasasa Rewards Checking

Earn some serious cash rewards with these free Kasasa accounts.

Get rewarded with high rates or cash back when you do simple banking activities you probably already do, like using your debit card. Our Kasasa Cash® and Cash Back® checking accounts have no monthly service fees and no minimum balance. Just meet the minimum requirements each month and earn your rewards. It’s that simple!

Apply Today
Choice Checking

Open a Choice Checking® Account Today!

Free checking account with no minimum balance requirement and no monthly fees.

Apply Today
Premier Checking

Open a Premier Checking Account Today!

This dividend bearing account is designed for those who maintain higher monthly balances. A $500 minimum balance is required. Free unlimited basic checks.

Apply Today

Premier Checking Rates

As your balance grows, your interest rate may increase too.

Average Monthly BalanceInterest RateAPY
$0.01 - $2,4990.05%0.05%
$2,500 and up0.10%0.10%

Current Rates

Auto Loans
APR as low as
Fixed Rate 36 Month
APR as low as
Fixed Rate 15-year fixed
Home Equity Line of Credit
APR as low as
Fixed Rate 5-year fixed
VISA Credit Card
APR as low as
  VISA Platinum Credit Card