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  • Higher-than-bank dividends for balances over $100
  • Unlimited in-branch and ATM withdrawals1
  • Up to six electronic (non-branch) withdrawals per calendar month2
  • Use for overdraft protection on Island checking2
  • Free account access via Online Banking, NiftiPhone®, and at over 30,000 ATMs nationwide1

  |  Find a branch  |  Call (800) 848-5654, option 5

Rates effective APY = Annual Percentage Yield

Balance Range Dividend Rate APY
$5 - $99.99 0.00% 0.00%
$100 or more 0.05% 0.05%
See Also
Learn about our Island checking accounts. With it, you can view your checking and money market activity in a single statement.
Don't need immediate access to your cash? Get great rates on Share Certificates.

Terms & Conditions

1 All ATMs in the Co-Op Network are fee-free to Island members. Co-Op is a nationwide network of over 30,000 ATMs owned by credit unions, including The Island, as well as participating 7-Eleven® store ATMs. A checking account is required for ATM access.

2 No more than six non-branch transfers, withdrawals, checks, or electronic debits per calendar month from your share savings or money market accounts. Refer to our Account Agreement & Disclosure for full details.

Programs (including but not limited to fees, rates, and features) are subject to change without notice. After account is opened, dividend rate and APY may change at North Island Credit Union's discretion. Fees may reduce earnings.