Compare Our Accounts

LUV Rewards Checking:

Not currently enrolled in eStatements?
Effective November 3, 2023, a fee of $2 per mailed statement will be assessed to the member account. Member's under 18, and over the age of 65 will be exempt. To enroll in to eStatements follow these steps:

From your HOME screen on your online baking, select MEMBER SERVICES. Under the MEMBER SERVICES tab select ESTATEMENTS then make your selection to ACCEPT or DECLINE.

*APY=Annual Percentage Yield. APYs accurate as of 5/1/2024. Minimum to open is $30. This account is a variable rate account. Rates may change at any time. If qualifications are met each monthly qualification cycle: (1) Domestic ATM fees incurred during qualification cycle will be reimbursed and credited to account on the last day of monthly statement cycle; (2) balances up to $25,000 receive APY of 4.00%; and (3) balances over $25,000 earn 0.10% dividend rate on portion of balance over $25,000, resulting in a range of 4.00% to .10% APY depending on the balance. If qualifications are not met, all balances earn 0.05% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. Transfers between accounts do not count as qualifying transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. Limit one(1) Reward Checking account per social security number. Must be 13 years of age to open this account. Fees may reduce earnings. Up to $20.00 in domestic ATM fees incurred during qualification cycle will be reimbursed if qualifications are met within monthly qualification cycle. Insured by NCUA.

LUV Tunes Checking:

Not currently enrolled in eStatements?
Effective November 3, 2023, a fee of $2 per mailed statement will be assessed to the member account. Member's under 18, and over the age of 65 will be exempt. To enroll in to eStatements follow these steps:

From your HOME screen on your online baking, select MEMBER SERVICES. Under the MEMBER SERVICES tab select ESTATEMENTS then make your selection to ACCEPT or DECLINE.

*The minimum to open account is $30. To meet qualifications, 15 debit card or SWACU Platinum Visa® credit card purchases of at least $5.00 and member must be enrolled in eStatements. If qualifications are met each monthly qualification cycle: (1) Earn up to $10 in refunds of Apple Music®, iTunes®, Apple One®,  Amazon®, Spotify®, Uber®, or Uber Eats®; (2) Domestic ATM fees incurred during qualification cycle will be reimbursed and credited to account on the last day of monthly statement cycle. Qualifying transactions must post to and settle account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. Transfers between accounts do not count as qualifying transactions. Monthly Qualification Cycle means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Up to $20.00 in domestic ATM fees incurred during qualification cycle will be reimbursed if qualifications are met. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. Limit one (1) LUV Tunes Checking account per social security number. Must be 13 years of age to open this account. Fees may reduce earnings. Apple Music®, iTunes®, and Apple One® are registered trademark of Apple Inc.; Amazon® is a registered trademark of Amazon Inc.; Spotify® is a registered trademark of Spotify Inc.; Uber® and Uber Eats® are registered trademarks of Uber Technologies Inc.; and Visa® is a registered trademark of Visa Inc.  Apple Inc., Amazon Inc., Spotify Inc., and Uber Technologies Inc. are not participants in or sponsors of this program. Insured by NCUA.

Free LUV Checking:

Not currently enrolled in eStatements?
Effective November 3, 2023, a fee of $2 per mailed statement will be assessed to the member account. Member's under 18, and over the age of 65 will be exempt. To enroll in to eStatements follow these steps:

From your HOME screen on your online baking, select MEMBER SERVICES. Under the MEMBER SERVICES tab select ESTATEMENTS then make your selection to ACCEPT or DECLINE.