Checking & Savings

    Easy accounts that work for you.

    Credit Human offers great ways to save and convenient checking account options. With any Credit Human checking or savings account, you get a free debit card, too.

    Checking and Savings Accounts

    Great for:

    AVOIDING OVERDRAFT FEES

    Sensible Spend Account

    An alternative to a traditional checking account with everything you need without the possibility of overdraft fees that can impact your financial health.

    • Open with a $0 minimum deposit
    • No overdraft fees
    • Waive monthly fee by setting up a $3 monthly auto-transfer to your savings
    • Get paid early. Eligible to receive paycheck up to two days early
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    Great for:

    Everyone

    Free Checking

    It’s everything you need without monthly fees. Get the convenience of a full-service checking account with no minimum balance requirement.

    • Open with $25 minimum deposit
    • No minimum balance or monthly fees
    • Unlimited check writing and debit card usage
    • Eligible to receive paycheck up to two days early
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    Great for:

    Earning Dividends

    Dividend Checking

    Dividend Checking allows you to earn dividends on your balance and enjoy all the conveniences that come with all of our checking accounts.

    • Only $25 minimum deposit required to open
    • Competitive dividends paid monthly on any balance
    • No monthly fees when enrolled in direct deposit and online statements
    • Get paid early. Eligible to receive paycheck up to two days early
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    Great for:

    EVERYONE

    Share Savings

    Credit Human membership begins with a simple account designed to get you saving. All it takes is a $5 deposit to get started.

    • Open with $5 minimum deposit *
    • Earn 0.75% APY on daily balances of $100 or more
    • Even more flexibility for members under age 18
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    Great for:

    DEDICATED SAVERS

    Money Market Savings

    Step up to an insured deposit account that motivates saving with higher dividends as your balance grows.

    • Open with a $1,000 minimum deposit
    • Get a 2.00% APY on balances of $10,000
    • Up to six free withdrawals per statement cycle
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    Save for Your Future

    It’s never too soon to think about retirement. Consider an easy-to-open and maintain IRA. When you start early, a small savings habit can really add up.

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    Share Certificates

    Great for:

    FLEXIBLE SAVINGS

    Share Certificate

    Ready to work towards a savings goal? Consider a share certificate with flexible terms you choose.

    • Up to 4.30% APY with dividends paid monthly
    • Open with $500 minimum deposit
    • Flexible terms from 3 months to 10 years
    • Automatic renewal at maturity
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    Great for:

    One-Year Commitment

    Liquid Share Certificate

    Want to build savings with an easy, one-year commitment and more flexible access to your funds? Try a savings certificate designed to keep you liquid.

    • Up to 4.00% with dividends paid monthly
    • Open with $5,000 minimum deposit
    • Fixed, 1-year term with unlimited deposits and two allowed withdrawals*
    Get Details

    Find Credit Human Near You

    Need to visit us in person? Find the closest location or check out our ATM network.

    Find Us