Explore why members love our high-interest accounts:
- Earn a great bonus rate of 4.07% APY* with our Beyond Checking - our highest yielding checking account, ATM reimbursement and more
- Take your savings to the next level with a Bump Rate Certificate option! Our limited time 30-month bump rate certificate offers a rate of 3.79% APY*, and if rates change, you have the option to bump the rate once to the current rate being paid on Azura's 30-month certificate.
- Reach your short term savings goals with a short term certificate! Our 12-month certificate with a 3.87% APY* rate or our 14-month certificate with a APY* are the perfect addition for your savings strategy. Just make your deposit and let the certificate do the rest.
Certificates
- Money Market accounts provide easy access to money while giving a higher dividend rate than a traditional savings account - all without being locked into a term
- Peace of mind knowing Forbes named Azura as the best credit union in Kansas!
Beyond Checking
Our Beyond Checking account offers the ideal combination of easy access to your money with the earning potential of a savings account, so take advantage of our 4.07% APY* bonus rate today - one of the best in the industry!
OUR BEYOND CHECKING INCLUDES:
- Competitive Rates - Earn a bonus rate of 4.07% APY*, paid monthly
- ATM Reimbursement of up to $12 in ATM surcharges, refunded monthly
Beyond Checking Bonus Rate Requirements:
- 15 debit card transactions with a minimum amount of $5 each per month
- At least one Direct Deposit or ACH Auto Debit a month
- Sign up and receive monthly E*Statements
$5 monthly fee is waived and Bonus Rate is paid when requirements are met. $12 in ATM surcharges refunded monthly if requirements are met. If rate requirements are not met, the base rate on all balances is a rate of 0.10% and a rate of 0.10% APY*
- Early Pay - get paid up to two days early when you sign up for direct deposit (Early availability is based on the timing of the payer's payment instruction)
- 24/7 Self-Serve Access - You can deposit cash and checks 24/7 through the self-serve function at our innovative ITMs.
- ITM Video Teller - Virtually any transaction that is currently completed at a teller line can be completed at an ITM during branch hours with a video teller.
- Online & Mobile Banking - Take your checking account with you anytime, anywhere. Enjoy mobile deposit, digital wallet, Money Management and more!
- Easy Access - Enjoy our many branch locations and wide network of over 30,000 ATMs to access your cash wherever you are.
- Instant Issue - Print your debit card immediately at one of our full-service branches. Enjoy a quick turnaround and no waiting.
- Community Impact Card - Each time you make a purchase with your Community Impact Debit Card, Azura donates 5 cents from the Credit Union to your selected participating charity of choice - there's no monetary obligation from your account.
- Visa Debit Cards - Our debit cards are here for your at no additional charge, as well as enhanced security with an EMV Chip and fraud protection.
- Make it your own! We recognize that each Azura member is unique and we want to give you the option to personalize your debit card to fit who you are! Customize your Visa Debit Card today.
Are you ready to go Beyond traditional banking? Open your Beyond Checking account today!
Minimum $25 to open
Certificates
A variety of terms to fit your financial goals, predictable returns, low risk and low initial opening deposit make share certificates a great way to earn a higher interest rate on the money you deposit.
For a limited time, take advantage of our current certificate offers with a higher rate of interest.
14-Month Certificate
$500 minimum to open.
Our 14-month certificate has a rate of
30-Month Bump Certificate
$500 minimum to open.
Our limited time 30-month bump rate certificate offers a rate of 3.79% APY*, and if rates change, you have the option to bump the rate once to the current rate being paid on Azura's 30-month certificate.
*Annual Percentage Yield accurate as of 9.1.2022. There is a penalty for early withdrawal. Fees could reduce earnings.
- Terms to Fit Your Goals - A certificate can be a great tool for storing your savings for far-away financial goals or purchases.
- Predictable Returns - You'll lock in your interest rates which allows your to enjoy your higher rate, even if rates drop of savings accounts and new certificates.
- Low Risk - Investing in a shared certificate can make sense if you want to avoid the volatility of the stock market.
- Low Initial Opening Deposit - Opening a Share Certificate typically doesn't require larger deposits like Money Market Accounts.
Ready to get started?
Visit your nearest branch or call Azura Credit Union at 1-800-432-2470!
FIND AN AZURA LOCATION NEAR YOU
SEE ALL CERTIFICATE TERMS AND RATES
Money Market Accounts
Money Market accounts offer the ease of a checking account and the earning potential of a savings account. In fact, Azura Money Market accounts offer higher interest rates than the typical savings account, meaning you can earn more interest on the same amount of deposited money. This makes Money Market accounts perfect for emergency savings, short-term savings goals, or savings for a rainy day.
Must maintain a $1,000 minimum balance. Fees may apply if balance falls below minimum balance.
- Tiered rate structure with dividends paid monthly
- Add money regularly
- Up to six withdrawals per month (three can be by check)
- Free Mobile App and Online Banking
Beyond Checking Rates
Effective Date: Thursday, May 9, 2024
| Beyond Checking Rates | Rate | APY* |
|---|---|---|
Bonus Rate Tiers** | ||
| Balance up to $15,000.00 | 4.00% | 4.07% |
| Balance over $15,000.00 | 0.50% | 0.50% |
Rate if requirements are not met** | ||
| Base rate on all balances | 0.10% | 0.10% |
*APY = Annual Percentage Yield. Rate may change after the account is opened. Fees could reduce earnings.
**Bonus rate requirements per qualification cycle: receive e*statements, one (1) direct deposit or ACH, and 15 debit card transactions of at least $5.00 each that post and clear your account. If you do not meet the monthly qualifications, you will be charged a $5 service fee as stated in the Fee Schedule and you will not qualify for ATM surcharge refunds. The monthly qualification cycle is defined as the calendar month. The Beyond Checking account is a tiered rate account. If you meet the minimum qualification requirements during the monthly qualification cycle, you will earn the first dividend rate and annual percentage yield listed for this account in the Rate Schedule on balances of $15,000.00 or less. You will also earn the second dividend rate and range of annual percentage yields listed for this account on balances over $15,000.00. If you do not meet all of the minimum qualification requirements during the monthly qualification cycle for the Beyond Checking account, the third dividend rate and annual percentage yield listed in the Rate Schedule will apply to the entire balance of your Beyond Checking account. Dividends are paid from current income and available earnings after required transfers to reserves at the end of the dividend period. For all earning accounts, dividends will begin to accrue on noncash deposits (e.g. checks) on the business day you make the deposit to your account. For Beyond Checking accounts, if you close your account before accrued dividends are credited, you will not receive the the accrued dividends. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period.
+$600 projected earnings is based off of the maximum dividends that can be earned on a balances of up to $15,000 over a 12 month period. 4% x $15,000 = $600
Certificate Rates
Effective Date: Thursday, May 9, 2024
| Rate | APYT | |
|---|---|---|
| 6 month | 3.00% | 3.04% |
| 12 month | 3.80% | 3.87% |
| 14 month Special** | 4.78% | 4.89% |
| 24 month | 3.60% | 3.66% |
| 30 month Bump Rate* | 3.94% | 4.01% |
| 36 month | 3.40% | 3.45% |
| 48 month | 3.50% | 3.56% |
| 60 month | 3.60% | 3.66% |
$500 minimum to open Share Certificate. Rates subject to change without notice.
T - Annual Percentage Yield
*The Bump Rate Option allows a member to choose to “bump” their rate one time for the 30 month Share Certificate, if the current rate being offered is higher. Contact Azura Credit Union to activate the bump rate. Each 30 month term has one bump available. The 30 month Bump Rate Share Certificate will automatically renew as another 30 month Bump Rate Share Certificate, unless changes are made during the grace period. Early withdrawal penalty will reduce earnings on the account. Limited time offer. Rates subject to change without notice.
**The 14 Month Special will automatically renew at a standard 12 month term upon maturity. Early withdrawal penalty will reduce earnings on the account. Limited time offer. Rates subject to change without notice.
Money Market Rates
Effective Date: Thursday, May 9, 2024
| Tier | Rate | APYT |
|---|---|---|
| $0.00-999.99 | 0.00% | 0.00% |
| $1,000-$9,999.99 | 0.50% | 0.50% |
| $10,000.00 - $24,999.99 | 0.70% | 0.70% |
| $25,000.00 - $49,999.99 | 0.90% | 0.90% |
| $50,000 - $99,999.99 | 1.10% | 1.11% |
| $100,000+ | 1.30% | 1.31% |
T - Annual Percentage Yield
