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Rewards Plus CheckingRewards Plus Checking pays 2.00% APY* on qualified account balances, up to $20,000, and is loaded with other valuable benefits!
Rewards Plus Checking
Rates as low as
2.00% APR
APY up to $20,000
Annual Savings Value
$1,100
To qualify for the REWARDS Plus Checking account dividend, you only have to do three easy things each monthly qualification cycle:
- Receive an electronic statement instead of a paper statement.
- At least 12 Lookout Credit Union debit card purchases must post and clear.
- Have at least one direct deposit or make at least one automatic payment from your account.
Why choose rewards checking
- Annual Savings Value: $1,100 (Rewards Benefit Guide)
- Excellent rates - 2.00% APY* on qualified account balances, up to $20,000
- $25 Out of Network ATM Fees Refunds Per Month
- Free Online Banking, Bill Pay, and eStatements
- Mobile Banking Access
- REWARDS Round-Up Savings Feature (Enjoy 2.00% APY on this savings account*)
- Mobile Phone Protection
- Identity Theft Protection (Fraud Defender)
- Access to over 30,000 CO-OP Network Surcharge Free ATMs
- Seven convenient branch locations and access to over 5,000 additional branches through the Shared Branching Network
- 1 Free Overdraft Forgiveness Per Year
- 12 FREE Official Checks Per Year
- Free instant Issue debit card
- FREE Notary Public Service
- Rewards Plus CD (0.25% bump with active Rewards account)
- .25% APR** Rewards Loan Discount on New & Used Auto's
ID Theft Protection
We’ve partnered with a national identity theft protection service called Fraud Defender to help provide aggressive safeguards for our valued members. Our new streamlined checking accounts will come with both financial rewards as before and peace of mind by being part of an identity protection system.
Rewards Round-Up
Build your savings automatically with our REWARDS Round-Up savings program
With our REWARDS Round-Up savings program, bags of groceries, cups of coffee, and tanks of gas purchased with your Lookout Credit Union debit card may automatically add up to more savings for you.
How REWARDS Round-Up works
Enroll in our REWARDS Round-Up savings program and when you make everyday purchases with your Lookout Credit Union debit card, we'll:
- Round up your purchase to the nearest dollar amount
- Transfer the difference from your REWARDS Plus checking account to your REWARDS Plus savings account (Details Below)
- Track your savings in Online Banking
| Your Purchase | Item Price | Rounded Up To | Transferred to Savings | Alert Me |
|---|---|---|---|---|
| Coffee | $3.37 | $4.00 | $0.63 | |
| Lunch Combo Meal | $5.20 | $6.00 | $0.80 | |
| Gas | $37.01 | $38.00 | $0.99 | |
| Groceries | $87.90 | $88.00 | $0.10 | |
| Total Transferred to Savings = $2.52 |
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How REWARDS Round-Up Savings account works
*This savings account pays 2.00% APY just like our Rewards Plus checking account. You will now have funds transferred to a share account paying the same amount as your checking account! This savings account does have an annual withdrawal limit of one (1) withdrawal per year. Further withdrawals are available but will have a $5 fee assessed per withdrawal. Only Round Up funds are to be held in this savings account. No other funds may be deposited. You will see this account in your home banking but will not have access to transfers to or from this account. Your annual withdrawal, if you choose to make a withdrawal, will need to be completed in branch or via phone.
Members Love Us
"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 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 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
"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 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 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 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
"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 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 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 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
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*Annual Percentage Yield (APY). Account balances over $20,000 will be paid 0.15% APY on the balance over $20,000. A “qualification cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Accounts which do not meet the three monthly qualifications will earn 0.01% APY on the entire account balance. REWARDS Plus checking is available only on personal accounts. The dividend rate and annual percentage yield may change at anytime, as determined by the board of directors.
**The .25% (APR = Annual Percentage Rate) applies to new and used auto loans opened after 6/03/19 when requested. Discount applies to those members that meet the Rewards Checking monthly qualification cycle parameters and have auto-pay set up from their Rewards Checking account. Members must keep the automatic payment active and have a qualifying Rewards Plus Checking to keep the discount. If the automatic payment is discontinued, or if the Rewards Plus Checking is considered “non-qualifying” for more than 60 days, the loan discount will be removed, and the payment may increase to reflect the change in interest rate.