HY WOW! Checking Account 

Get rewarded for your everyday spending with our no-fee checking.

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See Rates
Mother and Father with their daughter, shopping at the supermarket. The family is happy and being rewarded for their everyday spending.

A checking account that doesn't just hold your money, but actively helps it grow.

Earn 1.0% APY1 Interest

Sign up for eStatements and make 10 point of sale transactions a month to gain 1.0% APY1 interest.

No Fees

Keep your money to yourself! We don’t charge a monthly maintenance fee, so the money you've banked is 100% saved in your credit union checking account.

No Minimum Balance

You don't have to worry about maintaining a minimum balance with a HY WOW! Checking Account.

Digital Banking

Monitor your account or pay bills 24/7 with just a few taps or clicks. Now that's convenient!

1 APY= Annual Percentage Yield. APY is subject to change and is effective as of 09/11/2025. In order to earn stated APY, the member must be enrolled in eStatements and have ten (10) POS transactions each month. No minimum opening balance. No daily balance requirements.

HY WOW! Checking Account Details

Watch your average daily balance grow with our convenient banking options. Earning is simple!

  • Sign up for eStatements
  • Make 10+ point of sale transactions each month.
  • No minimum or maximum balance required.
  • No daily balance requirements.

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Membership Eligibility
Hispanic woman with her phone on the couch, smiling while completing her online banking in the comfort of her home.
The family enjoys quality time together and is happy with their two young children. They are excited to experience financial stability.

Discover the HY WOW! difference for yourself! 

We are dedicated to being your partner through life's ups and downs, ready to do whatever is necessary to guide and support you. Our success comes from our members achieving financial stability and unstoppable growth.

The HY WOW! Difference

Membership Eligibility

How to Open a HY WOW! Checking Account

  1. Join.

    Call or visit one of our convenient locations. Not a Member? Join Today!

  2. Open a Savings Account.

    Deposit $5 into a member savings account. This account is required for all members of CACL Financial and gives you access to all of the benefits of CACL membership.

  3. Connect with us!

    Once you've opened your savings account, connect with a representative from our team to open your HY WOW! Checking Account.

Frequently Asked Questions

All members who are signed up for e-Statements and have at least 10 POS transactions a month are eligible to receive 1.0% APY* back into their HY WOW! Checking Account the following month.

"POS" stands for "point of sale" which is when you use your debit card to pay a merchant. We encourage our members to use signature based transactions, which occur when you select credit, when using your card. These types of transactions don't require the use of a pin.

The average daily balance is used to calculate the dividend the member will receive.

If a member has less than 10 POS transactions in a month, they will receive the base interest rate of 0.10% APY.

You can start the membership application process online. Once you’re a member, you can officially open a Checking Account by connecting with a CACL Financial team member.

To open an individual checking account, you must be at least 18 years old. Joint checking accounts with an adult are available to those 14 years and older. Minors may receive a debit card once employment is verified.

Finance is Complicated.
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Check out our financial education resources, made to help you manage your money, plan for the future, and achieve lasting financial success.

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