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Your Day-to-Day Financial Tool

We understand the importance of a reliable checking account that fits your financial needs. Whether you're looking for a high-interest account, or prefer a basic option, we’ve got an account that will help you every step of your financial journey.

Peak Checking 

(Best Value)

Our free Peak Checking account piles up the interest on your day-to-day money.

  • Earn 5.00% APY* on balances up to $14,999 and 0.50% APY on balances greater than $15,0001
  • ATM fee refunds up to $252
  • No monthly fee
  • No minimum balance
  • 30,000 fee-free ATMs nationwide

How to earn

  • Enroll in eStatements
  • $500+ in direct deposit or ACH deposits3
  • 15+ debit card purchases4

Basic Checking

Our free Basic Checking is a no-fees and no-frills account that’s easy to love.

  • No monthly fee 
  • No minimum balance 
  • 30,000 fee-free ATMs nationwide

Competitive rates you can count on.

Watch Your Peak Earnings Add Up

Enter the amount in your checking account and see how much you could earn in 1 year.

Calculate My Savings Goals

Deposit range is $0 - $99,999,999

Distribution Breakdown

Tiers APY

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes.

Save While Spending

Saving is easy when you enroll in the Roundup Program. We’ll round your purchase to the nearest dollar every time you use your debit card and automatically transfer the rounded up amount to your savings account.

The more you use your debit card, the more you save—without having to think about it.

To enroll in the Roundup Program, chat with us online or call us at 303.427.5005.

View Disclosures

*APY = Annual Percentage Yield. 1Rate effective May 1, 2024 and subject to change at any time. No minimum balance. Fees may reduce earnings. If qualifications are met each cycle, balances up to and including $14,999 receive 5.00% APY; balances over $15,000 earn 0.50%. If qualifications are not met, all balances earn 0.05% APY. 2Credit for domestic ATM fees incurred is limited to $4.99 per transaction and $25.00 per qualification cycle. ATM fees may apply. 3$500 minimum can be met with one or multiple transactions. 4Qualifying transactions must post and settle to the account during the qualification cycle. Transactions may take one or more business days to post from the date of the transaction. ATM-processed transactions do not count toward qualifying debit card transactions.

Maximize your peak earnings.

Access on the go!

Manage your accounts worldwide with free Online and Mobile Banking and free eStatements. In the U.S., funds are accessible at nearly 30,000 fee-free CO-OP ATMs and over 5,600 CO-OP Shared Branch locations. View Locations