Share Draft (Checking) Accounts
Open a Checking Account with CCECU
At CCECU, we believe in giving our members the financial tools they need to thrive. Our checking accounts are designed with you in mind—offering convenience, security, and great features to help you manage your everyday finances with ease.
Why Open a Checking Account with CCECU?
No Monthly Fees - Say goodbye to monthly maintenance fees! We believe in keeping things simple. Enjoy the freedom of a checking account without the worry of costly fees eating into your balance.
Access to a Wide Network of ATMs - Withdraw cash anytime, anywhere. With access to thousands of surcharge-free ATMs nationwide, you’ll always have cash when you need it.
Free Debit Card - Your checking account comes with a free debit card, offering everyday purchasing power and security. No hidden fees, no surprises!
Online & Mobile Banking - Banking on the go has never been easier. Our secure online banking platform and mobile app let you check balances, control your debit card, transfer funds, pay bills, and even deposit checks—all from the comfort of your home or while on the move.
Security You Can Trust - Your financial security is our top priority. Our accounts come with advanced security features, including 24/7 fraud monitoring, encrypted transactions, and secure login options, so you can rest easy knowing your money is safe.
Competitive Interest Rates - Earn more with competitive interest rates on certain checking accounts. Whether you’re saving for the future or just looking for an account that works for you, we offer great options for maximizing your money.
Member-Owned & Community-Focused - As a credit union, we’re member-owned, meaning we work for you, not for profit. Every dollar you deposit stays within our community, supporting local businesses and helping our members succeed financially.
Our Checking Account Options
We offer a variety of checking accounts to fit your needs—whether you're looking for a basic, no-fee account, or one with premium benefits like rewards or higher interest.
- Simple Checking
Perfect for everyday use with no monthly fees and all the essential features you need to manage your finances easily. - Prime Checking
Earn interest on your balance while enjoying all the benefits of a regular checking account. The more you save, the more you earn. - Student/Young Adult Checking
Designed for students and young adults who are just starting their financial journey. This account offers no fees and helpful tools to build good financial habits.
How to Open Your Checking Account
Opening a checking account with CCECU is fast, easy, and secure. Here’s how you can get started today:
- Apply Online
Simply click on the "Open an Account" button and complete the online application. It only takes a few minutes! - Visit Us In Person
Prefer face-to-face service? Stop by our branch and our friendly team will help you choose the right account for you. - Call Us
Have questions? Our Member Service team is ready to help you find the perfect account. Give us a call at 727-442-7746 or send us a message online.
What Makes Us Different?
When you open a checking account with CCECU, you’re not just another customer—you’re a member. That means you have a say in how we operate, and you're part of a cooperative that’s invested in your financial well-being. Whether you need financial advice, want to participate in our community programs, or simply want great service, we’re here for you.
- Personalized Service: We take the time to understand your financial goals and offer solutions that fit your lifestyle.
- Local Impact: Your money stays within the community and supports local initiatives, businesses, and members like you.
- Ownership & Benefits: As a member-owner, you’ll receive dividends, lower rates, and the peace of mind that comes with knowing we prioritize your financial success.
Get Started Today!
Ready to take the next step? Open a checking account with CCECU and start enjoying the benefits of member-owned banking today.
Apply Now to get started, or reach out to our Member Services team for personalized assistance.
Need Help?
If you have any questions or need assistance, don’t hesitate to contact us. We’re here to help you every step of the way.
Share & Share Draft Checking Rates
Account Type | Minimum | Minimum Balance | Frequency | Rate | APY* |
|---|---|---|---|---|---|
Regular Shares2 | $5 | $100 | Monthly | 0.25% | 0.25% |
Christmas Club5 | $5 | None | Annually | 0.50% | 0.50% |
Young Millionaires Club1 | $5 | $25 | Monthly | 0.25% | 0.25% |
Lighthouse Savings1 | $100 | $100 | Monthly | 0.50% | 0.50% |
Prime Checking3 | N/A3 | $1,000 | Monthly | 0.05% | 0.05% |
IRA Share Savings2 | $5 | $100 | Monthly | 0.25% | 0.25% |
*APY: Annual Percentage Yield
1$5 Average Daily Balance required to earn dividend
2$100 Average Daily Balance required to earn dividend.
3$1,000 Average Daily Balance required to earn dividend.
46 withdrawals allowed per month at no charge. Any withdrawal after 6 will incur a $10 per withdrawal fee.
5Christmas Club dividends paid October 31st annually
Rates are variable and subject to change by the Board of Directors without notice. Fees may reduce earnings. Other restrictions may apply. Contact a Credit Union employee for current rates and terms.
Effective September 24, 2025
