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Flexible Dividend Reward

Make your money count

Who says you can't earn interest on your checking account?

A checking account that pays dividends

Our Flexible Dividend Reward Checking Account lets you earn up to 2.00% APY*. It’s also packed with other great features, like ATM fee refunds (up to $20 a month), free online banking and bill pay, and a handy VISA® debit card that works practically anywhere.

Let us reward you

We want to reward you for choosing us. That’s why we let you write unlimited checks with this account, and never charge you service fees. Plus, you’ll get local, personal service.

  1. Unlimited check writing so you’re never tied down
  2. No service fees to worry about
  3. Nationwide ATM fee refunds
  4. Get the most out of your balance: up to 2.00% APY (annual percentage yield)


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APY=Annual Percentage Yield. APY is accurate as of 04/01/2013. Rates may change after account is opened. Minimum to open is $5. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed up to $20 ($4.99 per single transaction) and credited to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 2.00%; and (3) balances over $10,000 earn 0.20% dividend rate on portion of balance over $10,000, resulting in 2.00% – 0.3636% APY depending on the balance. If qualifications are not met, all balances earn 0.01% APY. Qualifying transactions must post and settle to account during monthly qualification cycle. Debit card purchases must be at least $5 to qualify. Transactions may take one or more banking days from the date transaction was made to post and settle to an account. ATM-processed transactions do not count toward qualifying debit card transactions. “Monthly Qualification Cycle” means a period beginning on the first of the month and ending on the last day of the month.  Rewards will post to the account on the second day of the following month.  Transfers between accounts do not count as qualifying transactions. Limit one account per SSN. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher.


Purpose and Expected Use of Account


This account is intended to be the accountholder’s primary share draft account in which a debit card is used for day-to-day spending activities, including but not limited to, shopping, gas, dining, and entertainment. In order for these transactions to count toward a Flexible reward, they must post and settle to your account during the monthly qualification period.


Corresponding to the spending activities described above, the accountholder’s debit card should be used frequently throughout each month, and transactions should exceed $5.00 per transaction to count toward a Flexible reward.


CDFCU reserves the right to determine if the account is being maintained for a purpose other than day-to-day primary use. We also reserve the right to convert the account to a different share draft account if the account does not qualify for rewards for three (3) consecutive statement cycles.


We have the right to close this account at any time with proper notice. Our decision to close the account will not affect your existing obligations to us including any obligation to pay fees or charges incurred prior to termination. No deposits will be accepted and no checks will be paid after the account is closed. If the account is closed, you will forfeit any Flexible Rewards that have not been credited to your account. A CDFCU check for the remaining balance, if applicable, will be mailed to the accountholder at the address indicated on our current records. Upon termination of your Flexible Reward share draft account, any optional add-on products/services associated with this account will also be terminated at the same time.