Evolve Federal Credit Union's Rewards Checking Offers Excellent Rate


Deal Summary: ePriority Checking, 5.00% APY, on qualifying balances up to $10k

Availability: El Paso County, Texas

Evolve Federal Credit Union’s (Evolve FCU) rewards checking account, ePriority Checking, has been part of the product line for more than ten years. ePriority Checking currently earns 5.00% APY on qualifying balances up to $10k. Qualifying balances greater than $10k and non-qualifying balances do not earn any interest.

The 5.00% APY went into effect at the beginning of October 2021, following a 177 bps increase. Since DA began tracking the ePriority Checking account in April 2011, there have been four rate increases and two rate decreases and, with APYs ranging between 7.23% and 3.03%.

There is only one requirement to earn the stated APY: 30 debit card transactions per month.

Transactions such as gas, online purchases and groceries, are all examples of transactions that count toward your 30-transaction minimum. Transactions such as ACH payments, ATM withdrawals and electronic bill payments do not count toward your 30-transaction count requirement.

Potential Fees

There is a $9 monthly fee that can be waived with a minimum 15 debit card transactions. The $6 ebills-Bill Pay fee can be avoided by using ebills/Bill Pay/Electronic Bill Pay at least once a month.


Headquartered in El Paso, Texas, Evolve Federal Credit Union’s field of membership (FOM) is community-based, with individuals who live, work, or attend school in El Paso County eligible to join.

Joining Evolve FCU and/or opening an ePriority Checking account can be done online, or at any of five Texas full-service branches, all located in El Paso.

A minimum $15 deposit to open a share savings account is required to establish an Evolve FCU membership.

Evolve FCU participate in the CO-OP ATM network, but not the Shared Branch network.

Credit Union Overview

Evolve Federal Credit Union has an overall health grade of "A" at DepositAccounts.com, with a Texas Ratio of 0.95% (excellent) based on June 30, 2021 data. In the past year, Evolve FCU has increased its total non-brokered deposits by $22.22 million, an excellent annual growth rate of 7.53%. Please refer to our financial overview of Evolve Federal Credit Union (NCUA Charter # 1792) for more details.

Established in 1936, Evolve Federal Credit Union was originally known as El Paso Employees Federal Credit Union. The Evolve rebrand occurred in 2012, as the FOM expanded to include the residents of El Paso County. Currently the 70th largest credit union headquartered in Texas, Evolve Federal Credit Union has more than 18,000 members and assets in excess of $362 million.

How ePriority Checking Compares

When compared to the High Yield Rewards Checking Accounts tracked by DepositAccounts.com that are available within the FOM and have maximum qualifying balances of at least $10k, Evolve Federal Credit Union’s ePriority Checking APY currently ranks first.

The above information and rates are accurate as of 11/15/2021.

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: El Paso checking accounts, reward checking accounts

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