RTP Federal Credit Union
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Interest Checking

Our Interest Checking account allows our members to accrue monthly dividends on balances up to $10,000 while enjoying the convenience of our Visa Debit Card. The more you swipe, the more you earn!*

How to become an Interest Checking member:

Becoming an Interest Checking member is easy and free of charge. Enroll in the following services and gain the added benefits that the credit union can offer you by being an Interest Checking member. Current Basic Checking members must also opt in to Interest Checking through our Interest Checking Opt-in form.

  • Interest Checking Account with a minimum Direct Deposit of $500 per month
  • Debit Card
  • Home Banking
  • eStatements

The benefits of an Interest Checking account are:

  • Earn dividends on balances up to $10,000.*
  • Free Home Banking service with 24/7 account access
  • Free eStatements with enrollment in Home Banking
  • Debit Card with no minimum usage
  • Receive a 2% interest rate reduction on our Platinum Visa Credit Card with UChoose Rewards.**

The more times you swipe your Visa Debit Card, the more you earn with Interest Checking. Balances up to $10,000 qualify for earnings. There are 3 tiers of dividends associated with Interest Checking. The number of Visa Debit Card transactions that post and clear your account each month determines which tier of dividends you earn.

0-11 debit card transactions 0.05% APY***
12-29 debit card transactions 0.51% APY***
30+ debit card transactions 1.75% APY***

Call (919) 941-5700 for additional information.

As always, loyalty pays at RTP Federal Credit Union.

Not yet a member?

Apply Online for RTP FCU Membership.


*Restrictions apply. Limit of one Interest Checking Account per member account number. Minimum direct deposit of at least $500 at least once-a-month required to open an Interest Checking account. Member must also have a Visa Debit Card, Home Banking and eStatements in order to qualify for Interest Checking. ATM transactions do not count towards the qualifying debit card transactions. Only debit card transactions processed by merchants and received by the Credit Union as point of sale transactions count towards qualifying debit card transactions. All debit transactions must be posted to the account on or before the last day of the month. For Example: If you make a purchase with your debit card on the last day of the month that transaction may NOT post on that day. Debit card point of sale transactions are posted to your account when the merchant sends the settlement information to us. RTP FCU has NO control over when the merchant posts the debit transaction. Fees or other conditions may reduce earnings on this account.

**Restrictions apply and subject to credit approval. Not to fall below our minimum rate of 10% APR.

***APY= Annual Percentage Yield. Rates and annual percentage yields effective as of January 1, 2018 and subject to change at any time without notice. Earnings are compounded daily and posted monthly. Accrued earnings are forfeited if account is closed prior to monthly dividend posting. Refer to RTP FCU's account disclosures for additional details.


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