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 (1) direct deposit, ACH auto debit or Campus Federal Bill Pay transaction,
- Make five (5) debit or credit card purchases on your account each month, and
- Enroll in eStatements
Qualify, and you'll not only earn competitive dividends but also pay no monthly maintenance fee.
Don’t meet the qualifications one month? No worries! Maintain a $2,500 relationship balance (average monthly credit account balances and average monthly deposit account balances under the same membership combined), and 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 your average relationship balance (average monthly credit account balances and average monthly deposit account balances under the same membership combined) is $2,500 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.
Looking for a checking account that does more for your money? Open a Lagniappe CheckingSM account and earn 5.00% APY* on your checking balance up to $10,000 and receive ATM fee refunds nationwide.
Unlock the extras of Lagniappe Checking by meeting a few simple qualifications:
- Make one (1) direct deposit, ACH auto debit or Campus Federal Bill Pay transaction,
- Make ten (10) debit or credit card purchases on your account each month, and
- Enroll in eStatements
Qualify, and you'll not only earn competitive dividends but also enjoy ATM fee refunds**—all with no monthly maintenance fee.
Don’t meet the qualifications one month? No worries! Maintain a $2,500 relationship balance (average monthly credit account balances and average monthly deposit account balances under the same membership combined), and you'll still enjoy no monthly maintenance fee.
| Term | APY* | Minimum Balance | Dividend Rate |
|---|---|---|---|
| Term: Met Qualifications - Balance up to $10,000 | APY*: 5.00% | Minimum Balance: $0.01 | Dividend Rate: 4.89% |
| 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 your average relationship balance (average monthly credit account balances and average monthly deposit account balances under the same membership combined) is $2,500 or more.
* APY= Annual Percentage Yield. APY is accurate as of 10/1/2025. 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.
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 ten (10) debit or credit card purchases on your account each month, or
- Carry a $2,500 Relationship Balance (average monthly credit account balances and average monthly deposit account balances under the same membership combined)
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 | 10 per month5 | 0 per month | 10 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 | $2,500 | $2,500 | $0 | $2,500 |
| 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 credit account balances and average monthly deposit account balances under the same membership combined.
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 $2,500 or more. 3Make 5 debit or credit card purchases per monthly qualification cycle.
4If the Lagniappe checking requirements are not met, there is a $10 monthly maintenance fee. Monthly maintenance fee is waived if your average relationship balance (average monthly credit account balances and average monthly deposit account balances under the same membership combined) is $2,500 or more. ATM fee refunds are capped at a maximum of $25.00 per monthly qualification cycle. 5 Make 10 debit or credit card purchases per monthly qualification cycle.
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.
Now Offering Early Pay*
Access your direct deposit funds up to three (3) days early. To qualify, you must have direct deposit set up with Campus Federal and have your direct deposit payments sent electronically.
*With Early Pay, the Credit Union may make certain ACH direct deposits available to you up to three (3) business days before we receive the funds from the payor, which is typically your employer. Early Pay is not guaranteed.
Pay the Easy Way
Add your Campus Federal debit or credit card to your mobile wallet and pay in seconds using Apple Pay, Samsung Pay or Google Wallet.
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.