Checking for Everyone
A checking account should fit your lifestyle and meet your financial needs. We offer four great options to help manage your money and access it whenever you need it.
Our Lagniappe Lite CheckingSM account makes receiving a little extra each month, a bit easier. While the rate is lower than our Lagniappe Checking, it's still a great way to earn dividends with fewer requirements.
To qualify for competitive dividends, simply:
- Make one direct deposit, ACH auto debit or Campus Federal Bill Pay transaction,
- Make 5 debit or credit card purchases on your account each month**, and
- Enroll in eStatements
Even if you don’t meet the requirements in any given month, if your relationship balance (your average monthly loan balance plus average monthly deposit balance under the same membership number) is $5,000 or more, you’ll still enjoy no monthly maintenance fee!
| Term | APY* | Minimum Balance | Dividend Rate |
|---|---|---|---|
| Term: Met Qualifications - Balance up to $10,000 | APY*: 4.00% | Minimum Balance: $0.01 | Dividend Rate: 3.93% |
| Term: Met Qualifications - Balance over $10,000 | APY*: 0.05% | Minimum Balance: $10,000.01 | Dividend Rate: 0.05% |
If the Lagniappe Lite checking requirements are not met, there is a $10 monthly maintenance fee. Monthly maintenance fee is waived if you relationship balance is $5,000 or more.
* Annual Percentage Yield (APY) is accurate as of 9/3/2024. Fees could reduce earnings. APY is variable and may change after the account is opened.
** Debit or credit card purchases must be at least equal to $5.00 per purchase to count towards the 5 qualification purchases each month.
Looking for a checking account that does more for your money? Open a Lagniappe CheckingSM account and earn 5.25% APY* on your checking balance up to $10,000 and receive ATM fee refunds nationwide.
To qualify for ATM fee refunds and competitive dividends, simply:
- Make one direct deposit, ACH auto debit or Campus Federal Bill Pay transaction,
- Make 15 debit or credit card purchases on your account each month**, and
- Enroll in eStatements
Even if you don’t meet the requirements in any given month, if your relationship balance (your average monthly loan balance plus average monthly deposit balance under the same membership number) is $5,000 or more, you’ll still enjoy no monthly maintenance fee!
| Term | APY* | Minimum Balance | Dividend Rate |
|---|---|---|---|
| Term: Met Qualifications - Balance up to $10,000 | APY*: 5.25% | Minimum Balance: $0.01 | Dividend Rate: 5.13% |
| Term: Met Qualifications - Balance over $10,000 | APY*: 0.05% | Minimum Balance: $10,000.01 | Dividend Rate: 0.05% |
If the Lagniappe checking requirements are not met, there is a $10 monthly maintenance fee. Monthly maintenance fee is waived if you relationship balance is $5,000 or more.
* APY= Annual Percentage Yield. APY is accurate as of 2/1/2025. Fees could reduce earnings. APY is variable and may change after the account is opened. ATM fee refunds are capped at a maximum of $25.00 per monthly qualification cycle.
** Debit or credit card purchases must be at least equal to $5.00 per purchase to count towards the 15 qualification purchases each month.
A worry-free option to keep your finances on track.
You probably have enough on your plate, so we designed a solution to give you a head start on your monthly money management:
- Available for Campus Federal members 30 or younger
- No monthly maintenance fee when you enroll in eStatements
The account designed to deliver value every month.
More than just a place to keep your money, Campus ClassicSM delivers value based on purchases and the balance you keep. Each month we’ll waive the $8 maintenance fee if you:
- Make 15 debit or credit card purchases on your account each month, or
- Carry a $5,000 Relationship Balance (your average monthly loan balance plus average monthly deposit balance under the same membership number)
Get a clear breakdown of the details with this side-by-side view.
| Lagniappe Lite Checking2 | Lagniappe Checking4 | Young Adult Checking6 | Campus Classic Checking | |
|---|---|---|---|---|
| Card Swipes Requirement | 5 per month3 at least equal to $5.00 per purchase | 15 per month5 at least equal to $5.00 per purchase | 0 per month | 15 per month |
| eStatement Requirement | Yes | Yes | Yes | No |
| ACH/Direct Deposit/Bill Pay Requirement | One direct deposit, ACH auto debit or Campus Federal Bill Pay transaction | One direct deposit, ACH auto debit or Campus Federal Bill Pay transaction | No | No |
| Relationship Balance1 | $5,000 | $5,000 | $0 | $5,000 |
| Rewards | Dividends up to $10,000 (swipes, eStatement and ACH, Direct Deposit or Bill Pay requirement must be met) | Dividends up to $10,000 and ATM Fee Refunds up to $25 monthly (swipes, eStatement and ACH, Direct Deposit or Bill Pay requirement must be met) | None | None |
| Monthly Maintenance Fees | $10 waived if swipes, eStatement and ACH, Direct Deposit or Bill Pay requirements are met OR relationship balance1 is met | $10 waived if swipes, eStatement and ACH, Direct Deposit or Bill Pay requirements are met OR relationship balance1 is met | $0 | $8 waived if swipes OR relationship balance1 is met $2 paper statement fee |
1Relationship balance equals your average monthly loan balance plus average monthly deposit balance under the same membership number.
2If the Lagniappe Lite checking requirements are not met, there is a $10 monthly maintenance fee. Monthly maintenance fee is waived if you relationship balance is $5,000 or more. 3Debit or credit card purchases must be at least equal to $5.00 per purchase to count towards the 5 qualification purchases each month.
4If the Lagniappe checking requirements are not met, there is a $10 monthly maintenance fee. Monthly maintenance fee is waived if you relationship balance is $5,000 or more. ATM fee refunds are capped at a maximum of $25.00 per monthly qualification cycle. 5 Debit or credit card purchases must be at least equal to $5.00 per purchase to count towards the 15 qualification purchases each month.
6 In order to keep your account open, within 30 days of establishing your account, you must consent to receive your periodic statements electronically. Otherwise your account will be converted to a Campus Classic Checking Account, subject to all of the terms and conditions of such account.
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Fuel Your Dreams
From classic Savings to a Traditional or Roth IRA, we offer various hard-working accounts to help meet your financial goals faster.