DuPage Credit Union Offers Competitive Rewards Checking In 7 States


Deal Summary: High-Yield Checking, 2.78% APY, on qualifying balances up to $15k. High-Yield Savings, 1.00% APY, on qualifying balances up to $55k.

Availability: Easy membership in IL, IN, IA, KY, MI, MO, or WI.

Illinois-based DuPage Credit Union (DuPage) has been offering its competitive rewards checking account, High-Yield Checking, for about three years. The current 2.78% APY on qualifying balances up to $15k has been in effect for about five months; the previous rate (3.04% APY) had been in effect since July 2020. Qualifying balances over $15k and non-qualifying balances both earn 0.05% APY.

2.78*%-$15kDupage Credit UnionHigh-Yield Checking
OTHER TIERS: 0.05% $15k+
Rates as of December 9, 2022.

The monthly qualification requirements are slightly different than that of a typical rewards checking account:

  • Spend $1,200 or more per billing cycle with any DuPage CU credit card*.
  • Set up monthly direct deposit(s) of $500 (single) or $1,000 (cumulative)
  • Sign up for free Online Statements.

*The Inspire Cash Back Signature card can be used to meet the monthly qualification requirements and also earns cash back (3% on travel, dining and entertainment; 2% at grocery stores; and 1% everywhere else).

The High-Yield Checking account has no monthly fee, no minimum balance requirement, and no minimum opening deposit. Nationwide ATM fees up to $20 will be reimbursed, if qualifying requirements are met. DuPage participates in the CO-OP ATM network, providing members with access to more than 30,000 fee-free ATMs nationwide. Checking writing is available (maximum of 200 per month) and a free Visa® debit card will be issued following account opening. There is a limit of one High-Yield Checking account per Social Security number.

High-Yield Savings

DuPage CU also offers a High-Yield Savings account, as a companion account to the High-Yield Checking and Cash Back Checking accounts. The High-Yield Savings account currently earns 1.00% APY on qualifying balances up to $55k; qualifying balances over $55k and non-qualifying balances earn the Membership Savings account rate, currently 0.05% APY.

0.80*%-$55kDupage Credit UnionHigh Yield Savings
OTHER TIERS: 0.05% $55k+
Rates as of December 9, 2022.

Like the High-Yield Checking account, the High-Yield Savings account has no monthly service charge, minimum balance requirement, or minimum opening deposit. There is a limit of one High-Yield Savings account per Social Security number.

Annual Earnings of Combined High-Yield Checking and Savings Accounts

The potential combined annual earnings of a High-Yield Checking account (2.78% APY/$15k) and a High-Yield Savings account (1.00% APY/$55k) is approximately $967 (1.38% APY/$70k), which is a very competitive APY for a good-sized balance in a rewards checking/saver combo.

Cash Back Checking

The Cash Back Checking account offered by DuPage CU currently earns 0.50% cash back on up to $5,000 in debit card purchases per month. If you are planning on maintaining a balance of less than $11,000, the Cash Back Checking account would probably be a better deal than the High-Yield Checking account, as the maximum annual earnings for the Cash Back Checking account is $300 ($25 per month).


Headquartered in Napierville, Illinois, DuPage Credit Union’s field of membership (FOM) covers seven mid-west states.

The Membership page includes a series of five questions used to determine eligibility.

  • Do you live or work in one of these [Illinois] counties? DeKalb, DuPage, Kane, Kendall, Lake, McHenry or Will.
  • Do you attend school in DuPage County?
  • Is a family member already a member?
  • Is DuPage Credit Union part of your company's benefit package?
  • Do you live or work in one of these states? Illinois, Indiana, Iowa, Kentucky, Michigan, Missouri, or Wisconsin. Individuals who live or work in any of these seven states can qualify for membership through DuPage CU’s partner association with the Illinois Chapter of the American Consumer Council.

As stated on the Membership page, you can earn a $25 credit when submitting your email address and open a new Membership Savings account.

To be eligible for the $25 credit, your new Membership Savings account application must be submitted online within 60 days (using the email address and custom promo code provided) and your new Membership Savings account must be completed and approved within 90 days of submitting your email and receiving your exclusive promo code. $25 credit will be deposited into your Membership Savings Account within one business day from the day the account is opened.

Joining DuPage CU and/or opening a High-Yield Checking account can be done online, or at any of three Illinois full-services branches located in Downers Grove, Napierville, and Wheaton. Appointments are available and can be scheduled online.

Opening a Membership Savings account with a $5 minimum deposit establishes a DuPage CU membership. A minimum balance of $100 is required to earn any interest.

DuPage CU participates in the CO-OP Shared Branch and ATM networks, giving its members access to more than 5,600 branches and more than 30,000 fee-free ATMs nationwide.

Credit Union Overview

DuPage Credit Union has an overall health rating of "B+" at DepositAccounts.com, with a Texas Ratio of 4.68% (excellent) based on June 30, 2021 data. In the past year, DuPage CU has increased its total non-brokered deposits by $80.14 million, an excellent annual growth rate of 20.09%. Please refer to our financial overview of DuPage Credit Union (NCUA Charter # 97084) for more details.

DuPage Credit Union is currently the 17th largest credit union headquartered in Illinois, with more than 40,500 members and assets in excess of $525 million. Established in 1956, the founding members were a group of Wheaton (IL) educators. Although the FOM has expanded significantly, the credit union’s commitment to teachers has not wavered:

We wouldn't be who we are today without the hard work and dedication of teachers. To give back to them and carry on the promise of people helping people, we offer a multitude of funding opportunities to help bring their classrooms to life—like our Classroom Color Grant, Classroom Wishlist, and our celebration of Teacher Appreciation Week.

How the High-Yield Checking Compares

Given the multi-state FOM, a comparison to nationally available Rewards Checking Accounts is appropriate. When compared to the High Yield Rewards Checking Accounts tracked by DepositAccounts.com that are available nationwide and have maximum qualifying balances of at least $15k, DuPage Credit Union’s High-Yield Checking APY currently ranks fourth.

The above information and rates are accurate as of 9/29/2021.

To search for the best Reward Checking Account rates, both nationwide and state specific, please refer to our High Yield Reward Checking Account Rates Table page.

Related Pages: Chicago savings accounts, savings accounts, reward checking accounts


The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.