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High-Yield Reward Checking Account at a Texas CU (United SA)

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United SA Federal Credit Union

Update 9/22/10: The top yield has fallen to 1.50% APY. Refer to the bottom of the post for the rate history.

United SA Federal Credit Union is offering the Premium Reward Checking which pays 1.50% APY on balances up to $25K (0.50% over) and refunds ATM fees if the following monthly requirements are met: 1) 15 debit card transactions, 2) receive E-statements, and 3) access E-Teller, the online banking service. If these requirements are not met, the rate falls to 0.05%. Regardless of meeting the above requirements, there are no monthly fees or minimum balance requirements.

It's a pretty standard reward checking account except that it doesn't have a direct deposit requirement. So that's one advantage over SACU, the other San Antonio credit union with a reward checking account (see post).

Membership is open to those who live, work, worship or attend school in Bexar County, Texas. Please see their membership page for the full details. Membership requires a minimum deposit of $5 into the savings account.

Branches are located in San Antonio, TX. The credit union is federally insured by the NCUA (Charter # 10245). It has $212.7 million in assets and 30,250 members.

Other Reward Checking Accounts

For other reward checking accounts in other parts of the country, please see my reward checking account page and my best checking account post.

Rate History:

  • 09/01/10: 1.50% APY for up to $25K; 0.50% over
  • 04/01/10: 3.05% APY for up to $25K
  • 01/01/09: 3.51% APY, debit card usage requirement now 15/mo (up from 10/mo)
  • 05/13/08: 4.01% APY
  • 10/05/07: 6.01% APY; 1.01% over


Edit 1/3/09: updated debit card usage requirement.


  Tags: United SA Federal Credit Union, Texas, checking account, reward checking account

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