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High Voltage Checking

Our members can earn dividends on their checking account with our High Voltage Dividend/Reward Checking.  No need to sign up!  Your current checking account is automatically eligible.   

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Here's How:

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  • You must be enrolled in eStatements

  • Have at least 13 debit card transactions post and settle each Qualification Period*

  • Have at least $300 direct deposited by ACH into the checking account each Qualification Period*
     

​ *Qualification Period starts on the 1st day of the month and ends on the last day of the month.  

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This is a reverse tier type of account product, so the highest rate is earned on the smaller balance range. Dividends for High Voltage Checking are only paid at the end of each month if all qualifications are met during the Qualification Period.  If the qualifications are not met, no dividends will be paid for that month. Members who do not have a share draft/checking or like using debit cards always have the option to earn dividends on our other savings and certificate products.

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Current Tiers and Rates:

Dividends are compounded daily and credited monthly.  Dividend Rates and APY are subject to change without notice.  Earnings could be reduced if fees are added.  If an account is closed before dividends are paid for the current period, the credit union will withhold dividends that have been accrued but not paid for that period.  Membership eligibility is required.  One High Voltage Checking account allowed per primary member.  

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$0.00 to $4,999.99

Dividend Rate: 3.35%

APY: 3.40%

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$5,000.00 to $9,999.99

Dividend Rate: 2.35%

APY: 2.38%

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$10,000.00 or More

Dividend Rate: 0.50%

APY: 0.50%

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Qualifications not met during

Qualification Period

Dividend Rate: 0.00%

APY: 0.00%

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APY = Annual Percentage Rate

Funds are federally insured by NCUA

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After Hours/Mastercard Debit Card:

1-833-933-1681 - Domestic

1-812-647-9794 - International

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You can also turn off or report your EFCU Mastercard Debit Card stolen within your EFCU Digital or Mobile Banking account. 

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After Hours/Visa Credit Card:

1-800-247-4222

 

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Quick Links

Privacy Policy | Fee Schedule | Rates | Make a Loan Payment | Careers

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Contact

Electrical Federal Credit Union
5080 W 60th Avenue • Arvada, CO 80003
303-428-5080 • Routing Number: 302075416

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NMLS #1028973 | *APR = Annual Percentage Rate | **APY = Annual Percentage Yield

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© 2026 Electrical Federal Credit Union. All Rights Reserved.


Need accessibility assistance with an EFCU digital property? Email memberservices@electricalfcu.org or call 303-428-5080.

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Federally insured by NCUA | Equal Housing Opportunity
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