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Premium Checking

Earn 6% APY on balances up to $10,000 and up to 5% APY on higher balances. Also benefit from Out-of-Network ATM Fee Reimbursement.
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Orion Checking

Get free checking that pays you dividends. Earn 0.01% APY with no minimum balance and access Orion perks like online and mobile banking, mobile deposit and free bill pay.
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Checking 2.0

Had difficulty in your past with checking accounts and need a fresh start? This is the account for you.

PREMIUM CHECKING

Premium Checking offers you a great return on your deposits through a tiered earning platform, plus you can also get:

  • 6% APY on balances up to $10,000
  • Up to 5% APY on higher balances
  • Free checks
  • Online and mobile banking
  • Out-of-network ATM fee reimbursement (When Premium Perks Qualifiers are met. See conditions below.)
  • Free bill pay

To earn your dividends, be eligible for ATM Fee Reimbursements, and make this a free checking account, just meet these two simple qualifiers per month:

  • Electronic deposits totaling at least $500/month Electronic deposits include: direct deposit, ATM deposit, mobile deposit, and electronic transfers from another financial institution.
  • Spend at least $500/month on your Orion debit or Orion credit card

When Premium Perks Qualifiers are not met, the dividend rate and corresponding APY are 0.01% on the entire balance. See Checking Account Details and Account Disclosures for important terms and conditions, including how to meet the Premium Perks Qualifiers. All Premium Checking rates above are those expected to be declared on the next dividend declaration date (last day of the month) but are subject to change until declared. Consumer accounts only.

Premium Checking
When Premium Perks Qualifiers are Met.
Balance
 		 Dividend Rate
(Applies to Portion of Your Balance Within the Range)		 APY
(Represents the Yield of Your Entire Balance)
$0 to $10,000 5.95203% 6.00%
$10,000.01 to $75,000 1.75000% 6.00% to 2.34%
$75,000.01 to $100,000 3.00000% 2.34% to 2.54%
Over $100,000 5.00000% 2.54% to 5.06%
Example Rate of Return When Premium Perks Qualifiers are Met.
Initial Balance Annual Dividends APY
$10,000.00 $600.00 6.00%
$25,000.00 $864.62 3.46%
$50,000.00 $1,305.64 2.61%
$100,000.00 $2,540.40 2.54%
$250,000.00 $10,214.68 4.09%
Annual Percentage Yield (APY) is accurate as of 5/1/2023 and subject to change after account opening. Advertised APY assumes Premium Perks Qualifiers are met. When qualifiers are met, on balances up to $10,000, 6.00% APY; on balances from $10,000.01 to $75,000, 6.00% to 2.34% APY; on balances from $75,000.01 to $100,000, 2.34% to 2.54% APY; on balances over $100,000, 2.54% to 5.06% APY. If qualifiers are not met, 0.01% APY on entire balance. Visit OrionFCU.com for Premium Perks Qualifiers. Fees may reduce earnings. Insured by NCUA.

ORION CHECKING

Orion Checking is Orion's standard, free checking account. There are no monthly requirements for 0.01% APY and you'll also get:

  • Free remote deposit
  • Online and mobile banking
  • Free debit card
  • No minimum balance

CHECKING 2.0

Had difficulty in your past with checking accounts and need a fresh start? This is the account for you. This account is easy to qualify for and has a low minimum balance. Interested in learning if Checking 2.0 might be right for you? Contact us.

For more information about our checking account options, visit an Orion branch location or contact us.

Ready to make the switch to Orion? Get our Checking Account Switch Kit Checklist.

COMPARE CHECKING ACCOUNTS

Premium CheckingOrion CheckingChecking 2.0
ATM Fee Reimbursement
Free Checks
Earns Dividends
Overdraft Protection
Courtesy Pay
No Minimum Balance
Orion Debit Card
Mobile Deposit
Electronic Bill Pay
Online Banking
Orion Mobile App
Dividend Rate*6% APY*0.01% APY
Monthly Fee$0

When requirements are not met**

$0$0

*Rates are subject to change. Rates are accurate as of the last dividend declaration date (last day of prior month) unless noted otherwise above. Fees may reduce earnings.
**When requirements are not met, a $5 monthly fee will apply.