Shutterstock 2075642485 Checking Page

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!

TermAPY*Minimum BalanceDividend Rate
Term: Met Qualifications - Balance up to $10,000APY*: 4.00%Minimum Balance: $0.01Dividend Rate: 3.93%
Term: Met Qualifications - Balance over $10,000APY*: 0.05%Minimum Balance: $10,000.01Dividend 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!

TermAPY*Minimum BalanceDividend Rate
Term: Met Qualifications - Balance up to $10,000APY*: 5.25%Minimum Balance: $0.01Dividend Rate: 5.13%
Term: Met Qualifications - Balance over $10,000APY*: 0.05%Minimum Balance: $10,000.01Dividend 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 Checking2Lagniappe Checking4Young Adult Checking6Campus Classic Checking
Card Swipes Requirement5 per month3
at least equal to $5.00 per purchase
15 per month5
at least equal to $5.00 per purchase
0 per month15 per month
eStatement RequirementYesYesYesNo
ACH/Direct Deposit/Bill Pay RequirementOne direct deposit, ACH auto debit or Campus Federal Bill Pay transactionOne direct deposit, ACH auto debit or Campus Federal Bill Pay transactionNoNo
Relationship Balance1$5,000$5,000$0$5,000
RewardsDividends 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)
NoneNone
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.

Mobile Wallet Paying with Phone 1304304513

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.

Shutterstock 2172324103 Savings Call Out

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.