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Current Checking Account Rates
MembersOwn offers straightforward checking with no monthly fees, no minimum balance requirements, and the opportunity to earn dividends. View our current checking rate below and explore the benefits of becoming a member.
Open an Account Checking Account Details
All rates are effective July 1, 2026, are subject to change without notice, and reflect the prospective rate for the third quarter of 2026.
| Account | APY* |
|---|---|
| Checking Account | .02%** |
*APY = Annual Percentage Yield
**The stated APY is earned when your average daily balance is $500 or more during the month.
Do I need a minimum balance?
No. There is no minimum balance requirement to maintain your checking account.
When do I earn dividends?
You’ll earn the stated APY when your average daily balance is $500 or more during the month.
Are there monthly service fees?
No. MembersOwn checking accounts have no monthly or annual maintenance fees.
Can I manage my account online?
Yes. You can securely access your account anytime through Online Banking and Mobile Banking.
Talk to a Real Person
in Your Community
MembersOwn is here to talk things through, answer questions, and help you decide what makes sense for your life—with friendly guidance from people who live and work right here in Nebraska.
Lincoln Branch
1391 South 33rd Street
Lincoln, NE 68510
402.436.5365 (Text Friendly)
Beatrice Branch|
2600 Eastside Boulevard
Beatrice, NE 68310
402.223.4204
Request a Free Consultation
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