Extra Value Checking — and Extra Value Plus

From dividends to discounts, get a full package of perks and extras when you choose Extra Value or Extra Value Plus Checking from Credit Human.

  • Low monthly fees
  • Earn 0.10% APY with no minimum daily balance
  • Unlimited check writing and debit card access
  • Open with $25 minimum deposit
  • Funds federally insured up to $250,000

Note: Whether you choose Extra Value or Extra Value Plus, your low monthly fee is further reduced with direct deposit. For more options, see all checking.


Low Monthly Fees

Extra Value or Extra Value Plus Checking offers full-service with low monthly fees. Fees are further reduced when you set up direct deposit into your account.

  • Extra Value Checking: $5 monthly service fee, or $4 with direct deposit
  • Extra Value Plus Checking: $6 monthly service fee, or $5 with direct deposit

Easy Dividends

With Extra Value or Extra Value Plus Checking it’s easy to earn dividends — there’s no minimum daily balance requirement! Dividends are paid monthly on all balances. It’s as easy as can be.


Note: Dividends are calculated using the daily balance method. The rate is variable, and may change at any time after the account is opened. Fees could reduce dividend earnings.

Perks for the Traveler in You

Love to get out there and go? Extra Value Checking offers a package of perks designed with the traveler in mind. You get a free subscription to Sojourns travel magazine, a valuable Savers Club Book, and auto trip routing services. For added security, you also get key ring registration protection, credit card protection, and access to Accidental Death/Common Carrier Life Insurance.

Bonus: When you choose Extra Value Plus, you get all of the above, PLUS membership in the Shopper’s Advantage® Discount Product Club, a Medical Emergency Data Card, ID NetworkTM Safety Service, increased insurance coverage, and a 15% discount on an SACU Safety Deposit box of any size (based on availability).

More Perks Just for Extra Value Plus

Extra Value Plus account holders get extra checking convenience with two boxes of Credit Human custom checks free at account opening and your choice of 10 free traveler’s checks, cashier’s checks, or money orders per month for the life of your account.

Note: Traveler’s checks for two are not included.

A Debit Card Designed For You

Debit cards are available with all Credit Human checking accounts.  Choose from a Credit Human, Spurs or UTSA Rewards Debit Card design – all exclusively from Credit Human. Access funds at ATMs, including Credit Human ATMs in the San Antonio and Houston areas, and make purchases anywhere you see the Mastercard® logo.

Use your Credit Human debit card with your digital wallet at participating retailers.  Just add your Credit Human debit card to Apple Pay, Samsung Pay or Android Pay and complete transactions right from your mobile device.

You'll earn rewards with every purchase with the Credit Human debit card rewards program, with no annual fees. Simply choose the Credit option when using your card and you'll earn rewards at a rate of one point for every $2 you spend. Track points and redeem them for things like airline tickets, travel packages and merchandise by visiting www.scorecardrewards.com.

Note: San Antonio Spurs and UTSA debit cards are available at any Credit Human branch location.

BillPay for Added Convenience

Though you get unlimited check writing privileges with your Extra Value or Extra Value Plus Checking account, you can also opt to pay bills quickly and securely with online BillPay. You decide whom, when, and how often to pay. Set up one-time or recurring payments — cancel or change payments anytime before the processing date.

Bonus: Sign up for online banking and get a range of great ways to manage your Extra Value and other Credit Human accounts.

Your Insured Funds

As a Credit Human member, your deposits — checking, savings, certificates, and IRAs — are federally insured up to $250,000 by National Credit Union Administration (NCUA). Similar to deposit insurance coverage offered by the FDIC for banks, the NCUA operates the National Credit Union Share Insurance Fund (NCUSIF) to protect accounts at federally insured credit unions.

More Details:  Account type and ownership factor into coverage amounts. Read up on NCUA Share Insurance (PDF) to maximize your coverage, estimate your coverage online, or call our Member Service Center at (210) 258-1234 or toll free at 800-688-7228 for further information on your insured funds.

Join Credit Human and become a member today

Home Purchase or Refinance Loan

Whether you’re ready to buy a home for the first time, or need to refinance your existing home at a better rate, turn to Credit Human.

Extra Value Checking — and Extra Value Plus Rates

Account BalanceDividend RateAnnual Percentage Yield
No Minimum0.10%0.10%
Account BalanceDividend RateAnnual Percentage Yield
No Minimum0.10%0.10%

Rates are effective as of October 13, 2017

The variable rate may change after the account is opened. Fees could reduce the earnings on these accounts.

Balance tier determines daily dividend rate and annual percentage yield on the daily account balance.

Your Credit Human investments are insured up to at least $250,000 by the National Credit Union Administration (NCUA), as a U.S. Government Agency. In addition, your Credit Human IRA investments are insured, separately, up to $250,000 by the NCUA. Membership eligibility required. For current rates, APY, or additional information, please ask an Account Service Representative or call the Credit Human Member Service Center U.S. Toll Free at 1-800-234-7228 or in San Antonio at 210-258-1234.

Credit Human checking accounts require a minimum $25 deposit to open.