Build From Here
  • Check into getting
    a better account.

A checking account should not be a financial burden. Turn it into a financial bonus instead. We'll give you a much better deal than you'll ever get with a big-box financial institution, like TD Bank. And, with our Rewards Checking, you'll receive aggressive interest payouts and perks you won't find anywhere else.

  • See for yourself.
Mills42 Rewards Checking TD Bank Convenience Checking TD Bank Premier Checking Mills42 Free Checking
Interest Paid
  • 1.50% APY* up to $10,000
  • And 0.20% APY over $10,000
  • With a $10,000 balance, you will earn $12.25/month
  • What could you do with $150.02 more per year?
 None
  • Just 0.05% over $2,500
  • On a $10,000 balance, you will earn $0.41 monthly. That's $5.00 annually.
 None
Monthly Fee $0 $15 every single month ($180/year), unless your minimum daily balance is $100+ $25 every single month ($300/year), unless your minimum daily balance is $2,500+ $0
ATM Fees
  • Fee-FREE at over 30,000 ATMs nationwide**
  • 50 Fee-FREE ATMs around Lowell alone**
  • As high as $3 at non-TD Bank ATMs (plus what that bank or credit union charges you)
  • Free only at TD Bank ATMs
  • As high as $3 at non-TD Bank ATMs (plus what that bank or credit union charges you), unless you maintain a minimum daily balance of $2,500+
  • Free at TD Bank ATMs
  • Fee-FREE at over 30,000 ATMs nationwide**
  • 50 Fee-FREE ATMs around Lowell alone**
Overdraft Fee $28 $35 $35 $28
Overdraft Protection Courtesy Pay up to $400 Available Available Courtesy Pay up to $400
Free Mobile Banking Yes Yes Yes Yes
Free Debit Card Yes Yes Yes Yes
Round-Up Savings Option Yes, and it's automatic! No No Yes, and it's automatic!
Mobile Deposit Capture Yes Yes Yes Yes
Open one today. Open one today.

Not a member yet? We'll take care of that for you while we’re opening your Rewards Checking Account. But if you want to get a jumpstart, open your account online or give us a call at 978.328.5100. We'll be happy to help you build from here.

Want to know more?
Questions? Want to talk about it?

Email us
83 Merrimack Street • Lowell, MA 01852 • 978.328.5100
Facebook
Federally insured by NCUA Equal Housing Lender NMLS# 787653

*APY = Annual Percentage Yield. Account will earn 1.50% APY on balances up to $10,000 when account requirements are met during the eligibility cycle (Eligibility Cycle starts on the first day of each month and ends the last day of each month). To qualify for bonus dividends new members must apply for account in person. Rates are accurate as of 07/01/2014. This is a variable rate account and the interest rate and APY may change at any time after the account is opened. Available on personal accounts only. To earn the maximum APY, you must post a minimum of 12 debit transactions (excluding ATMs), receive monthly account statements electronically, and have at least one recurring ACH (automated clearinghouse) debit transaction or Bill Payer transaction per month. If these conditions are not met during the eligibility cycle, the account will earn 0.00% APY. If account is negative at any time during the monthly statement cycle, the account will not earn any bonus dividend for that month. Balances greater than $10,000 will earn 0.20% APY. Other restrictions and terms may apply. Rates and terms are subject to change.

**First five (5) non-Mills42 FCU ATM withdrawals per month are free. After the first five, Mills42 FCU will charge $1.00 per ATM withdrawal. This is in addition to what the ATM owner assesses.