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Ridgeline Rewards Checking
Compass Cash Back

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See your balance reach its full potential with Ridgeline Rewards, a free checking account built to help your money grow with high-dividend rewards every month you meet qualifications.* It’s the smart, rewarding way to support your daily spending.

Benefits You’ll Love

  • Free checking that pays high dividends
    4.00% APY1 on balances up to and including $20,000 when qualifications are met
    4.00% to 0.88% APY on balances over $20,000 depending on balance in account1
    0.05% APY1 on all balances if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide
    up to $25 monthly1
  • No monthly maintenance fees
    No minimum balance to earn rewards, No minimum deposit to open
  • Link to free Summit Saver to build savings automatically

Qualifications to Earn Rewards

Enrollments must be in place and all of the following transactions and activities must post and settle to your Ridgeline Rewards account during each Monthly Qualification Cycle:

  • At least 12 debit card purchases
  • At least 1 direct deposit or ACH credit transaction
  • Be enrolled in and agree to receive eStatements

And if you don’t meet these qualifications, don’t worry — your account is still free. Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.

Get ready to see your checking grow. Earn 6.00% cash back on daily purchases every month you qualify, with no monthly maintenance fees or minimum balance to earn rewards. ^ That’s more cash in your pocket.

Benefits You’ll Love

  • Free checking that pays you back
    No category restrictions on purchases
    Cash back earned on as much as $200 in purchases monthly
    Earn as much as $144 cash back per year, $12 per month
  • Refunds on ATM withdrawal fees, nationwide
    up to $25 monthly2
  • No monthly maintenance fees
    No minimum balance to earn rewards, No minimum deposit to open
  • Link to free Summit Saver to build savings automatically

    Qualifications to Earn Cash Back

    Enrollments must be in place and all of the following transactions and activities must post and settle to your Compass Cash Back Checking account during each Monthly Qualification Cycle:

    • At least 12 debit card purchases
    • At least 1 direct deposit or ACH credit
    • Be enrolled in and agree to receive eStatements

    And if you don’t meet these qualifications, don’t worry — your account is still free. And you can get right back to earning your cash rewards the very next cycle that you qualify.


    ^Compass Cash Back Disclaimer

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    Join and Open Your Checking Account Today!

    Accounts may be opened with individual or joint ownership, or as a custodian-for-a-minor account. There is a $1.00 membership fee and a minimum deposit of $25.00, your share of ownership in the Credit Union. Even if you move, retire or change employment you may continue membership by maintaining a share balance of $25.00.

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    Members Love Us

    "I got my Home Equity Line of Credit a couple of years ago and the process was quick and easy. I've enjoyed the simplicity of my HELOC and appreciate the rate and working with the credit union. It's easy to advance the money online and to also make payments online."

    Cam S.

    "I have been a Member of the Credit Union for over 14 Years now. They enabled me to buy a car with a pre-approved letter, that really helped me in my auto buying selection. I love my credit union!"

    Jim A.

    "I’ve been banking at Lookout Credit Union for many years now. They are always kind and courteous and prompt when I come in. When online banking came out, one gal at the office spent 15 minutes with me, taking time to answer all of my questions and concerns. When one of my accounts was compromised, they immediately calmed me and took steps to protect any further problems."

    Nat C.

    "I love this account because it has so many features that I use on a regular basis - $25 in monthly ATM fee refunds – great rate, free cashiers checks and more!"

    John W.

    "Excellent support. Their built in money management tool, fully into the debit cards and online banking, is a must have for budgeting."

    J.K.M

     
     
     

    1Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. “Monthly Qualification Cycle" means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle. See our website for specific Monthly Qualification Cycle dates. All of the following transactions and activities must post and settle to your Ridgeline Rewards or Compass Cash Back account during each Monthly Qualification Cycle: 12 debit card transactions must post and clear prior to the second to last day of the month. Must receive electronic statements. Must have at least (1) direct deposit or ACH credit transaction(s).  

    Ridgeline Rewards Checking – Rewards Information:

    When your Ridgeline Rewards Checking  account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $20,000 in your Ridgeline Rewards Checking account earn a dividend rate of 3.928% resulting in an APY of 4.00% and daily balances over $20,000 earn a dividend rate of 0.25% on the portion of the daily balance over $20,000, resulting in a range from 4.00% to 0.88% APY depending on the account’s daily balance.

    You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Ridgeline Rewards Checking account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. (NOTE: ATM fee reimbursements only apply to Ridgeline Rewards, Summit Saver ATM transaction fees are not reimbursed nor refunded.)

    When your Ridgeline Rewards Checking qualifications are not met, the dividend rate earned on the account’s entire daily balance will be 0.05% resulting in an annual percentage yield of 0.05% and ATM withdrawal fees are not refunded. When your Ridgeline Rewards Checking account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded.

    Dividends and ATM withdrawal fee reimbursements will be credited to your Ridgeline Rewards Checking account on the last day of the current statement cycle. Nationwide ATM withdrawal fee reimbursements will be credited to your Ridgeline Rewards Checking account on the last day of the current statement cycle.

    APY = Annual Percentage Yield. APYs are accurate as of 7/14/26. Membership eligibility required. Must be a member of the credit union to open any deposit account. Full Qualification Cycle and Details.

     
     
     

    2Qualification Information: Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. “Monthly Qualification Cycle" means a period beginning one (1) day prior to the first banking day of the current statement cycle through one (1) day prior to the last banking day of the current statement cycle. See our website for specific Monthly Qualification Cycle dates. All of the following transactions and activities must post and settle to your Ridgeline Rewards or Compass Cash Back account during each Monthly Qualification Cycle: 12 debit card transactions must post and clear prior to the second to last day of the month. Must receive electronic statements. Must have at least (1) direct deposit or ACH credit transaction(s).  

    Compass Cashback Checking - Reward Information: 

    When Compass Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 6% cash back on up to a total of $200 in debit card purchases that post and settle to the account during that cycle period. A maximum of $12.00 cash back payments may be earned per Monthly Qualification Cycle.

    You will receive reimbursements up to an aggregate total of $25 for nationwide ATM withdrawal fees incurred within your Compass Cash Back account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. (NOTE: ATM fee reimbursements only apply to Compass Cash Back, Summit Saver ATM transaction fees are not reimbursed nor refunded.)

    When your Compass Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded.

    Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Compass Cash Back account on the last day of the current statement cycle. Membership eligibility required. Must be a member of the credit union to open any deposit account. Full Qualification Cycle and Details.