Checking that pays

With unlimited transactions, Dividend Checking provides all the convenience you want for your everyday banking letting you pay bills, make purchases, transfer funds and get paid faster with direct deposit.1 You also have 24/7 access to your account through online banking or our mobile banking app.2

Dividend Checking does everything you need it to. Plus, your money isn't sitting idly's earning a monthly dividend, with higher rates for higher balances.

Opening an account is easy! You can apply online in just a few minutes.

Dividend Checking rates

Rates accurate as of May 17, 2024
APY* as high as
Minimum balance to earn APY

Tiered rates: earn a higher rate for higher balances

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Here's the scoop on Dividend Checking

Dividend Checking gives you more of what you really want....convenient, drama-free access to your money while also earning dividends.

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Earn a return

Put your money to work for you! The higher the balance, the more you earn.

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Make purchases, write checks, transfer funds, withdraw cash and more!

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Online and mobile banking

24/7 access! Pay bills, deposit checks, manage your accounts. Anytime, anywhere

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Access to 32,000+ ATMs nationwide

The MoneyPass Network offers surcharge-free ATMs throughout the U.S.

Solarity Credit Union Dividend Checking

Everything you need from a checking account ... and more!

  1. Earn a dividend
  2. Direct deposit and ACH options
  3. Online and mobile banking
  4. Monthly service charge waived with $250 minimum daily balance
  5. Free overdraft transfers

Compare checking accounts

If you prefer no monthly service charge, you'll like Free Checking. If you plan to maintain a higher balance and would like to earn a dividend in the process, Dividend Checking might be the way to go. Either way, we've got you covered, with automatic enrollment in Courtesy Pay.3 If your checking account doesn't have enough available funds, Courtesy Pay covers checks, recurring payments tied to your checking account number and bill payments scheduled in online banking or the mobile app.

Checking ProductsFree CheckingDividend Checking
Annual Percentage Yield (APY)N/ASee today's rates
Minimum balance to earn APYN/A$250
Minimum opening deposit$50$100
Monthly service chargeN/A$6
Minimum balance to avoid monthly service chargeN/A$250


Both checking accounts include:

  • Unlimited transactions
  • Online banking and mobile app
  • Free overdraft transfers
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Ready to open a Dividend Checking account?

We make opening your account FAST and EASY! There are three simple ways to get started:

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It only takes a few minutes to fill out and submit the online application form.

Let's do it!
Call a SolarityCU Expert Icon talk-to-an-expert-1-orange
By phone

Reach our friendly team members at 800.347.9222 during our normal business hours. We'll explain the products and get you ready to open your new account.

Call now
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At a branch

Stop by any of our local branches and speak with one of our helpful Experience Guides.

See locations


Common questions about checking accounts

Click on the “Open an Account” button.

Once you’ve selected the type of account you’d like to open, the application will walk you through what's needed to complete the process.

If you need assistance, call us at 800.347.9222. We'll be happy to help.

Follow the steps below to deposit your check using mobile deposit:

  1. On the Accounts screen, click the Quick Menu icon located in the bottom right corner.
  2. Click Mobile Deposit.
  3. Use the Choose Account drop-down to select the account where you want to deposit the money.
  4. In the Amount box, enter the amount you want to deposit.
  5. Take a picture of the front and back of your check and follow the on-screen instruction to upload the photos.
  6. Click Submit to complete the mobile deposit.

Download our app in the App Store or Google Play store.



Helpful articles and information

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A 7/1 ARM is an Adjustable-Rate Mortgage (ARM) that has a fixed rate for the first seven years of the loan and then adjusts each year thereafter.

Solarity surpasses blood drive goal, filling critical need in the Yakima Valley

Solarity Credit Union teamed up with the Red Cross Yakima Blood Donation Center to host a blood drive to collect desperately-needed units of blood.

Selah food drive: generosity of Solarity members and employees aids local food bank

Thank you to our members and employees who supported Solarity's March food drive benefitting the Selah Naches Food Bank!

Annual Percentage Yield (APY) accurate as of date shown and subject to change. $6 monthly service fee waived with $100 minimum balance; fees may reduce earnings.


Early access to direct deposit funds is not guaranteed. It is subject to the payer and the timing of the payer's submission of the payment file. We generally make these funds available on the day they are received, which may be up to 2 days earlier than the scheduled payment date.


Message and data rates may apply depending on your cell phone plan. Please contact your wireless carrier for more information.


Solarity will charge a fee of up to $33 each time it pays an overdraft. This fee may be imposed for overdrafts created by checks, automatic bill payments and other transactions made using your checking account number. We will not pay overdrafts for debit card purchases or ATM withdrawals unless you tell us you want coverage for these types of transactions. There is no limit to the total fees that can be charged per account. Repayment of overdraft balance and fees is due immediately and payable upon demand. If payment is not made within 20 days, Courtesy Pay may be suspended. Whether your overdrafts will be paid is at the discretion of the credit union, and we reserve the right not to pay. For example, you must be at least 18 years old and not past due on any Credit Union obligation. All rates and fees subject to change. View our Explanation of Overdraft Services for more details.