Compare Our Accounts

Cash Back:

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. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. 

"Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first banking day of the current statement cycle through one (1) banking day prior to the last banking day of the current statement cycle. 

See our website or contact one of our financial service representatives for specific Monthly Qualification Cycle dates. 

"Banking Day" means any day on which an office of the credit union is open to the public for the purpose of carrying out substantially all of its banking functions or for processing. 

"Business Day" means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, June 19, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day. 

"Statement Cycle" means the period of time for which our credit union provides a summary of the financial activities and transactions that post and settle to the accountholder's account. See our website or contact one of our financial service representatives for specific Statement Cycle dates. 

Reward Information: 

When Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 5.00% cash back on everyday debit card purchases that post and settle to the account during that cycle period. A maximum of $10.00 cash back payments may be earned per Monthly Qualification Cycle. 

You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Cash Back account during that Monthly Qualification Cycle.   

When your Cash Back account qualifications are not met, no cash back payments are made and ATM withdrawal fees are not refunded. 

Cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your Cash Back account on the last day of the current statement cycle. 

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. 

Additional Information: 

Membership restrictions may apply. 

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

$25.00 deposit is required to open the account. 

Limit of one (1) account per Social Security Number or Individual Taxpayer Identification Number. 

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

This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. 

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

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

PECU Everyday Rewards

PECU Everyday Rewards program ("Program") is a rewards program that enables you to take advantage of special promotional offers (“Offers”) and receive rebates, discounts, and cash back-equivalent rewards (“Rewards”) every time you use your PECU debit card to purchase products and services - online or in-store - from any of our participating retailers (“Merchants”). Your debit card transactions will be matched with Offers made by participating Merchants and the Rewards will be available to you for redemption after authentication (“Program Portal”). Authentication will occur via a secure link sent to your email address. Any Rewards redeemed by you will be deposited into the account in which the transaction originated.

As a benefit to you, we will automatically enroll you in the Program.  You do not have to register your debit card or use a mobile app to earn Rewards.  Rewards will be earned and accrue during each Earning Cycle. Earning Cycles are defined as means a period beginning one (1) banking day prior to the first banking day of the current statement cycle through one (1) banking day prior to the last banking day of the current statement cycle. ("Earning Cycle"). Rewards will be made available for redemption during the two Earning Cycles that follow the Earning Cycle in which the (i) Reward are earned; (ii) validated by the Merchant; and (iii) and are made available for distribution ("Redemption Period"). Rewards will expire and/or be forfeit if (i) you do not redeem within the applicable Redemption Period; (ii) your account is closed for any reason; (iii) we cancel your access to the Program before the Rewards are redeemed; or (iv) you opt out of the Program.

Rewards will not appear or otherwise be reflected on your transaction receipt from a Merchant at the time of purchase.  You will only receive a cash back equivalent on the purchase price, and it may exclude any additional costs including tips, taxes, shipping, etc.

Program Offers are subject to change at any time with or without notice to you. You will not receive Rewards if an Offer becomes unavailable before your transaction is completed. Some Offers may be available only for a limited time. Offers may rotate, and you may have access to some Offers one month and different Offers the next month. The number, type, value, and category of Offers is subject to change at any time.

Rewards have no cash, monetary, or other tangible property value. No interest is paid on Rewards. Subject to applicable laws, such Rewards are not your property, and you have no property rights or other legal interest in the Rewards. All Rewards remain the sole property of our third-party service providers (“Partners”) until deposited into your account per these terms. Your Rewards balance or any part of it is not transferable, cannot be brokered, bartered, or sold, and cannot be divided as part of a settlement, legal proceeding or death, and cannot be combined with Rewards of any other member or participant in the Program.

We may cancel or suspend your access to the Program at any time and for any reason, at our sole discretion including in cases of abuse of the Program. We may cancel this Program, without notice to you, at any time. Federally insured by NCUA

Terms & Conditions

Federally insured by NCUA.

Eats Rewards:

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. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. 

"Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first banking day of the current statement cycle through one (1) banking day prior to the last banking day of the current statement cycle. 

See our website or contact one of our financial service representatives for specific Monthly Qualification Cycle dates. 

"Banking Day" means any day on which an office of the credit union is open to the public for the purpose of carrying out substantially all of its banking functions or for processing. 

"Business Day" means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, June 19, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day. 

"Statement Cycle" means the period of time for which our credit union provides a summary of the financial activities and transactions that post and settle to the accountholder's account. See our website or contact one of our financial service representatives for specific Statement Cycle dates. 

Reward Information: 

When Eats Rewards qualifications are met during a Monthly Qualification Cycle, you will receive 6% cash back on up to a total of $200 in debit card purchases, made at grocery stores and food delivery services identified at https://www.pecutx.org/bank/atx-flex-rewards-checking/eats-rewards.html#tabEligibleGroceryStoresFoodDeliveryServices-tab that post and settle to your account during that cycle period. A maximum of $12 in cash back payments may be earned per Monthly Qualification Cycle. Your account's debit card may be used for any transaction but the account's cash back rewards are only valid at and only apply to debit card purchases made with one of our identified retailers. Please refer to https://www.pecutx.org/bank/atx-flex-rewards-checking/eats-rewards.html#tabEligibleGroceryStoresFoodDeliveryServices-tab or visit one of our locations for a current list Eats Rewards merchants. 

You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Cash Back account during that Monthly Qualification Cycle.   

When your Eats Rewards account qualifications are not met, no cash back payments are made, and ATM withdrawal fees are not refunded. 

The cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle. 

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. 

Additional Information:

Membership restrictions may apply. 

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

$25.00 deposit is required to open the account. 

Limit of one (1) account per Social Security Number or Individual Taxpayer Identification Number. 

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

This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. 

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

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

PECU Everyday Rewards

PECU Everyday Rewards program ("Program") is a rewards program that enables you to take advantage of special promotional offers (“Offers”) and receive rebates, discounts, and cash back-equivalent rewards (“Rewards”) every time you use your PECU debit card to purchase products and services - online or in-store - from any of our participating retailers (“Merchants”). Your debit card transactions will be matched with Offers made by participating Merchants and the Rewards will be available to you for redemption after authentication (“Program Portal”). Authentication will occur via a secure link sent to your email address. Any Rewards redeemed by you will be deposited into the account in which the transaction originated.

As a benefit to you, we will automatically enroll you in the Program.  You do not have to register your debit card or use a mobile app to earn Rewards.  Rewards will be earned and accrue during each Earning Cycle. Earning Cycles are defined as means a period beginning one (1) banking day prior to the first banking day of the current statement cycle through one (1) banking day prior to the last banking day of the current statement cycle. ("Earning Cycle"). Rewards will be made available for redemption during the two Earning Cycles that follow the Earning Cycle in which the (i) Reward are earned; (ii) validated by the Merchant; and (iii) and are made available for distribution ("Redemption Period"). Rewards will expire and/or be forfeit if (i) you do not redeem within the applicable Redemption Period; (ii) your account is closed for any reason; (iii) we cancel your access to the Program before the Rewards are redeemed; or (iv) you opt out of the Program.

Rewards will not appear or otherwise be reflected on your transaction receipt from a Merchant at the time of purchase.  You will only receive a cash back equivalent on the purchase price, and it may exclude any additional costs including tips, taxes, shipping, etc.

Program Offers are subject to change at any time with or without notice to you. You will not receive Rewards if an Offer becomes unavailable before your transaction is completed. Some Offers may be available only for a limited time. Offers may rotate, and you may have access to some Offers one month and different Offers the next month. The number, type, value, and category of Offers is subject to change at any time.

Rewards have no cash, monetary, or other tangible property value. No interest is paid on Rewards. Subject to applicable laws, such Rewards are not your property, and you have no property rights or other legal interest in the Rewards. All Rewards remain the sole property of our third-party service providers (“Partners”) until deposited into your account per these terms. Your Rewards balance or any part of it is not transferable, cannot be brokered, bartered, or sold, and cannot be divided as part of a settlement, legal proceeding or death, and cannot be combined with Rewards of any other member or participant in the Program.

We may cancel or suspend your access to the Program at any time and for any reason, at our sole discretion including in cases of abuse of the Program. We may cancel this Program, without notice to you, at any time. Federally insured by NCUA

Terms & Conditions

Federally insured by NCUA.

Streaming Rewards:

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. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. 

"Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first banking day of the current statement cycle through one (1) banking day prior to the last banking day of the current statement cycle. 

See our website or contact one of our financial service representatives for specific Monthly Qualification Cycle dates. 

"Banking Day" means any day on which an office of the credit union is open to the public for the purpose of carrying out substantially all of its banking functions or for processing. 

"Business Day" means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, June 19, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day. 

"Statement Cycle" means the period of time for which our credit union provides a summary of the financial activities and transactions that post and settle to the accountholder's account. See our website or contact one of our financial service representatives for specific Statement Cycle dates. 

Reward Information: 

When Streaming Rewards qualifications are met during a Monthly Qualification Cycle, you will earn refunds, up to a combined, aggregate maximum of $12 on debit card purchases, made with music, video, gaming and other digital streaming services identified at https://www.pecutx.org/bank/atx-flex-rewards-checking/streaming-rewards.html#tabEligibleStreamingServices-tab that post and settle to the account during that cycle period. Your account's debit card may be used for any transaction, but the account's streaming services' refunds are only valid at and will only be applied to debit card purchases made with one of our identified retailers. Refer to https://www.pecutx.org/bank/atx-flex-rewards-checking/streaming-rewards.html#tabEligibleStreamingServices-tab or visit one of our locations for a current list Streaming Rewards merchants. 

You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your Cash Back account during that Monthly Qualification Cycle.   

When your Streaming Rewards account qualifications are not met, no cash back payments are made, and ATM withdrawal fees are not refunded. 

The cash back payments and nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle. 

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. 

Additional Information: 

Membership restrictions may apply. 

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

$25.00 deposit is required to open the account. 

Limit of one (1) account per Social Security Number or Individual Taxpayer Identification Number. 

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

This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. 

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

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

PECU Everyday Rewards

PECU Everyday Rewards program ("Program") is a rewards program that enables you to take advantage of special promotional offers (“Offers”) and receive rebates, discounts, and cash back-equivalent rewards (“Rewards”) every time you use your PECU debit card to purchase products and services - online or in-store - from any of our participating retailers (“Merchants”). Your debit card transactions will be matched with Offers made by participating Merchants and the Rewards will be available to you for redemption after authentication (“Program Portal”). Authentication will occur via a secure link sent to your email address. Any Rewards redeemed by you will be deposited into the account in which the transaction originated.

As a benefit to you, we will automatically enroll you in the Program.  You do not have to register your debit card or use a mobile app to earn Rewards.  Rewards will be earned and accrue during each Earning Cycle. Earning Cycles are defined as means a period beginning one (1) banking day prior to the first banking day of the current statement cycle through one (1) banking day prior to the last banking day of the current statement cycle. ("Earning Cycle"). Rewards will be made available for redemption during the two Earning Cycles that follow the Earning Cycle in which the (i) Reward are earned; (ii) validated by the Merchant; and (iii) and are made available for distribution ("Redemption Period"). Rewards will expire and/or be forfeit if (i) you do not redeem within the applicable Redemption Period; (ii) your account is closed for any reason; (iii) we cancel your access to the Program before the Rewards are redeemed; or (iv) you opt out of the Program.

Rewards will not appear or otherwise be reflected on your transaction receipt from a Merchant at the time of purchase.  You will only receive a cash back equivalent on the purchase price, and it may exclude any additional costs including tips, taxes, shipping, etc.

Program Offers are subject to change at any time with or without notice to you. You will not receive Rewards if an Offer becomes unavailable before your transaction is completed. Some Offers may be available only for a limited time. Offers may rotate, and you may have access to some Offers one month and different Offers the next month. The number, type, value, and category of Offers is subject to change at any time.

Rewards have no cash, monetary, or other tangible property value. No interest is paid on Rewards. Subject to applicable laws, such Rewards are not your property, and you have no property rights or other legal interest in the Rewards. All Rewards remain the sole property of our third-party service providers (“Partners”) until deposited into your account per these terms. Your Rewards balance or any part of it is not transferable, cannot be brokered, bartered, or sold, and cannot be divided as part of a settlement, legal proceeding or death, and cannot be combined with Rewards of any other member or participant in the Program.

We may cancel or suspend your access to the Program at any time and for any reason, at our sole discretion including in cases of abuse of the Program. We may cancel this Program, without notice to you, at any time. Federally insured by NCUA

Terms & Conditions

Federally insured by NCUA.

High Interest:

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. The following activities do not count toward earning account rewards: ATM-processed transactions, transfers between accounts, debit card purchases processed by merchants and received by our credit union as ATM transactions, non-retail payment transactions and purchases made with debit cards not issued by our credit union. Transactions bundled together by merchants and received by our institution as a single transaction count as a single transaction for the purpose of earning account rewards. 

"Monthly Qualification Cycle" means a period beginning one (1) banking day prior to the first banking day of the current statement cycle through one (1) banking day prior to the last banking day of the current statement cycle. 

See our website or contact one of our financial service representatives for specific Monthly Qualification Cycle dates. 

"Banking Day" means any day on which an office of the credit union is open to the public for the purpose of carrying out substantially all of its banking functions or for processing. 

"Business Day" means a calendar day other than a Saturday or a Sunday, January 1, the third Monday in January, the third Monday in February, the last Monday in May, June 19, July 4, the first Monday in September, the second Monday in October, November 11, the fourth Thursday in November, or December 25. If January 1, July 4, November 11, or December 25 falls on a Sunday, the next Monday is not a Business Day. 

"Statement Cycle" means the period of time for which our credit union provides a summary of the financial activities and transactions that post and settle to the accountholder's account. Contact one of our financial service representatives for specific Statement Cycle dates. 

Reward Information: 

When your High Interest account qualifications are met during a Monthly Qualification Cycle, daily balances up to and including $15,000.00 in your High Interest account earn a dividend rate of 5.841% resulting in an APY of 6.00% and daily balances over $15,000.00 earn a dividend rate of .499% on the portion of the daily balance over $15,000.00, resulting in a range from 6.00% to 1.00% APY depending on the account's daily balance. 

You will receive reimbursements up to an aggregate total of $25.00 for nationwide ATM withdrawal fees incurred within your High Interest account during that Monthly Qualification Cycle.   

When your High Interest qualifications are not met, the dividend rate earned on the account's entire 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 Interest account on the last day of the current statement cycle. 

Nationwide ATM withdrawal fee reimbursements will be credited to your account on the last day of the current statement cycle. 

APY = Annual Percentage Yield. 

APYs accurate as of 09/22/2025. 

APY calculations are based on an assumed balance of $15,000.00 + $100,000 in your High Interest account and an assumed statement cycle of thirty-one (31) days. 

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. 

$25.00 deposit is required to open the account. 

 Limit of one (1) account(s) per Social Security Number or Individual Taxpayer Identification Number. 

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

This account is not to be used for commercial purposes. If the account is closed, you will forfeit any rewards that have not been credited to your account. 

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

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

PECU Everyday Rewards

PECU Everyday Rewards program ("Program") is a rewards program that enables you to take advantage of special promotional offers (“Offers”) and receive rebates, discounts, and cash back-equivalent rewards (“Rewards”) every time you use your PECU debit card to purchase products and services - online or in-store - from any of our participating retailers (“Merchants”). Your debit card transactions will be matched with Offers made by participating Merchants and the Rewards will be available to you for redemption after authentication (“Program Portal”). Authentication will occur via a secure link sent to your email address. Any Rewards redeemed by you will be deposited into the account in which the transaction originated.

As a benefit to you, we will automatically enroll you in the Program.  You do not have to register your debit card or use a mobile app to earn Rewards.  Rewards will be earned and accrue during each Earning Cycle. Earning Cycles are defined as means a period beginning one (1) banking day prior to the first banking day of the current statement cycle through one (1) banking day prior to the last banking day of the current statement cycle. ("Earning Cycle"). Rewards will be made available for redemption during the two Earning Cycles that follow the Earning Cycle in which the (i) Reward are earned; (ii) validated by the Merchant; and (iii) and are made available for distribution ("Redemption Period"). Rewards will expire and/or be forfeit if (i) you do not redeem within the applicable Redemption Period; (ii) your account is closed for any reason; (iii) we cancel your access to the Program before the Rewards are redeemed; or (iv) you opt out of the Program.

Rewards will not appear or otherwise be reflected on your transaction receipt from a Merchant at the time of purchase.  You will only receive a cash back equivalent on the purchase price, and it may exclude any additional costs including tips, taxes, shipping, etc.

Program Offers are subject to change at any time with or without notice to you. You will not receive Rewards if an Offer becomes unavailable before your transaction is completed. Some Offers may be available only for a limited time. Offers may rotate, and you may have access to some Offers one month and different Offers the next month. The number, type, value, and category of Offers is subject to change at any time.

Rewards have no cash, monetary, or other tangible property value. No interest is paid on Rewards. Subject to applicable laws, such Rewards are not your property, and you have no property rights or other legal interest in the Rewards. All Rewards remain the sole property of our third-party service providers (“Partners”) until deposited into your account per these terms. Your Rewards balance or any part of it is not transferable, cannot be brokered, bartered, or sold, and cannot be divided as part of a settlement, legal proceeding or death, and cannot be combined with Rewards of any other member or participant in the Program.

We may cancel or suspend your access to the Program at any time and for any reason, at our sole discretion including in cases of abuse of the Program. We may cancel this Program, without notice to you, at any time. Federally insured by NCUA

Terms & Conditions

Federally insured by NCUA.