Checking & Savings

    Easy accounts that work for you.

    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
    • Free access to 55,000+ ATMs worldwide with Allpoint
    • Unlimited check writing and debit card usage

    NOTE:  If required enrollment in both direct deposit and online statements are not satisfied a $5 monthly service fee is applied. For more options, see all checking.


    Open Now

    Already a member? Open a new account through online banking.

    Early Pay

    With Early Pay, get your paycheck or federal benefits up to two days early. Early Pay is free and automatic with direct deposit into a Credit Human checking account. Setting up direct deposit is easy, learn more.

    Free access to 55,000+ Allpoint Network ATMs

    Use your Credit Human debit card to gain free access to the Allpoint Network of more than 55,000 ATMs worldwide. Allpoint ATMs can be found in popular shopping locations such as Target, CVS, Walgreens, and Circle K—just look for the Allpoint logo. Withdrawals can be made at any Allpoint ATM and cash deposits up to $1,000 can be made at select Allpoint+ ATM locations. Find a nearby Allpoint ATM by visiting our Locations page or using the Credit Human mobile app.

    Get rewarded with CashBack+

    Get up to 20% cash back on digital gift card purchases from your favorite brands. There is no limit to how much cash back you can receive. Conveniently located inside Credit Human digital banking. Try CashBack+ today.

    Easy Access

    Free mobile and online banking provides you easy access to manage your money. We offer a range of easy ways to access your accounts so you can manage your money the way you want to – anytime, anywhere. Conveniently view your statements at any time within mobile and online banking.
    Free Direct Deposit electronically deposits your recurring income into your Dividend Checking account, which means your deposits are made automatically. In addition to saving time, your funds will be available the same day and you don’t have to worry about your checks being lost or stolen. Direct Deposit is the most convenient and secure way to deposit your money.

    A Debit Card Designed For You

    Choose from a Credit Human, Spurs or UTSA 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.

    Add your Credit Human debit card to your digital wallet and use Apple Pay, Samsung Pay or Android Pay and complete transactions right from your mobile device. Plus, with Card Control you can instantly lock a misplaced debit card, set alert preferences and more - all from your mobile phone with the mobile banking app.

    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.


    Find Credit Human Near You

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

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    Checking & Savings


    Free Checking

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

    Get Details

    Share Certificate

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

    Get Details

    Dividend Checking Rates

    Account Balance Dividend Rate Annual Percentage Yield
    No Minimum 0.10% 0.10%

    Rates are effective as of April 19, 2024

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

    Your Credit Human deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), as a U.S. Government Agency. In addition, your Credit Human IRA deposits 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.