Beyond Checking

It's time to take your checking account to the next level. Here's the ideal blend of flexibility, accessibility and strong growth.



Start with a $25 deposit and then go far beyond


Earn one of our highest interest rates in a checking account loaded with value.

  • 4.07% APY* on balances up to $15,000 
  • 0.50% APY* on balances over $15,000
  • 0.10% APY* if qualifications aren't met
  • Refunds on ATM withdrawal fees, nationwide (Up to $12 monthly)+
  • No minimum balance to earn rewards 
  • No monthly maintenance fee+






a woman smiling while checking her mobile device

Earning Rewards Is As Easy As 1, 2, 3 

Just keep doing what you’re probably already doing.

  1. Make at least 15 debit card purchases, each $5 or greater
  2. Enroll in at least one direct deposit or ACH transaction
  3. Enroll in and agree to receive e-statements 

If you don't meet these qualifications, you'll still earn our base interest rate. And, you can get right back to earning your full rewards the very next cycle that you qualify. Enrollments must be in place and all of the following transactions and activities must post and settle to your account during each monthly qualification cycle.
























And, you automatically gain access to all these features and benefits.

*Azura Credit Union may make incoming electronic deposits available for use up to two business/banking days before the scheduled deposit date. Weekends and federal holidays are not included. Early availability of deposits depends on when the notification of the deposit is received by Azura. This notification can vary and is under the control of the payor of the deposit – not the Credit Union. Early deposit is not a contractual obligation and does not guarantee future early deposits.


*Surcharge-free transactions are available for debit and ATM card holders of participating credit unions








































































    Real Stories from Real People



    I truly enjoy being an Azura Credit Union member because the associates at Azura Credit Union always have your best interests at heart. For instance, when I deposited some money into my savings account recently, an Azura associate suggested switching my Carefree Checking to a Beyond Checking account to benefit from a better interest rate. This proactive approach to customer service impressed me and reinforced my decision to continue banking with Azura. I will definitely recommend Azura Credit Union to my friends and family.

    Matt
    Azura Member


    *APY = Annual Percentage Yield. Rate accurate as of 1.1.25 and may change after the account is opened. Fees could reduce earnings. Bonus rate requirements per qualification cycle: receive e-statements, one (1) direct deposit or ACH transaction, and 15 debit card transactions of at least $5.00 each that post and clear your account. The Beyond Checking account is a tiered rate account. If you meet the minimum qualification requirements during the monthly qualification cycle, you will earn the first dividend rate and annual percentage yield listed for this account in the Rate Schedule on balances of $15,000.00 or less. You will also earn the second dividend rate and range of annual percentage yields listed for this account on balances over $15,000.00. If you do not meet all of the minimum qualification requirements during the monthly qualification cycle for the Beyond Checking account, the third dividend rate and annual percentage yield listed in the Rate Schedule will apply to the entire balance of your Beyond Checking account. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. For all earning accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account. For Beyond Checking accounts, if you close your account before accrued dividends are credited, you will not receive the accrued dividends. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period.

    +If you do not meet the monthly qualifications, you will be charged a $5 service fee as stated in the Fee Schedule and you will not qualify for ATM surcharge refunds. The monthly qualification cycle is defined as the calendar month. 
     
    Minimum $25 initial deposit to open.
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