High Tide Checking

High value. Zero cost. That's High Tide Checking. 

They say the best things in life are free — we're here to make sure your checking account is included. Enjoy high interest and zero fees when you meet a few monthly qualifications. *

Features You’ll Love

• Refunds on ATM withdrawal fees, nationwide*
• Manage your account with Online and Mobile Banking
• No minimum balance to earn rewards

DETAILS

• Free checking that pays high interest
• 5.00% APY* on balances as much as $20,000
• 5.00% to 1.25% APY on balances over $20,000 depending on balance in account*
• 0.05% APY* on all balances if qualifications aren't met
• Refunds on ATM withdrawal fees, nationwide (up to $25 monthly)*
• Link to free Deep Sea Savings to build savings automatically
• No minimum balance to earn rewards
• No monthly maintenance fee
• No minimum deposit to open

  Qualifications to Earn Rewards

  Enrollments must be in place and all of the following transactions and activities must post and settle to your High Tide Checking account during each Monthly Qualification Cycle:

• At least 12 debit card transactions
• At least 1 direct deposit, ACH payment, or ACH credit transaction
• Be enrolled in and agree to receive eStatements

And if you don’t meet these qualifications, don’t worry — your account is still free. Plus, you’ll still earn our base rate. And you can get right back to earning your full rewards the very next cycle that you qualify.

*High Tide Checking Disclaimer

High Tide Checking

Qualification Information:

Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards.

"Monthly Qualification Cycle" means the current statement cycle.

See our website www.laportecfcu.com or contact one of our member service representatives for specific Monthly Qualification Cycle dates.

Reward Information:

When your High Tide Checking account qualifications are met during a Monthly Qualification Cycle, average daily balances up to and including $20,000.00 in your High Tide Checking account earn a dividend rate of 4.88895% resulting in an APY of 5.00%; and average daily balances over $20,000.00 earn a dividend rate of 0.4989% on the portion of the average daily balance over $20,000.00, resulting in a range from 5.00% to 1.25% APY depending on the account's average daily balance.

You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your High Tide Checking account during that Monthly Qualification Cycle. We reimburse ATM withdrawal fees based on estimates when the withdrawal information we receive does not identify the ATM withdrawal fee. If you have not received an appropriate reimbursement, we will adjust the reimbursement amount if we receive the transaction receipt within sixty (60) calendar days of the withdrawal transaction. NOTE: ATM fee reimbursements only apply to High Tide Checking or Splash Back Checking transactions via ATM; Deep Sea Savings ATM transaction fees are not reimbursed nor refunded.

When your High Tide Checking qualifications are not met, the dividend rate earned on the account's entire average daily balance will be 0.05% resulting in an annual percentage yield of 0.05% and ATM withdrawal fees are not refunded.

Dividends will be credited to your High Tide Checking account on the first processing/business day of the following statement cycle.

Nationwide ATM withdrawal fee reimbursements will be credited to your account on the first processing/business day of the following statement cycle.

APY = Annual Percentage Yield.

APYs accurate as of June 8, 2026.

Rates, rewards, and bonuses, if any, are variable and may change after account is opened; rates may change without notice to you. No minimum balance is required to earn or receive the account's rewards. Rewards less than a penny cannot be distributed. Fees may reduce earnings.

Additional Information:

Membership restrictions may apply.

Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply.

No minimum deposit is required to open the account.

There are no recurring monthly maintenance charges or fees to open or close this account.

Advertised information and rewards are based on all account qualifications being met during each cycle period.

Contact one of our credit union service representatives for additional information, account details, restrictions, reward calculations, processing limitations, cycle dates and enrollment instructions.

Federally insured by NCUA