Investor Checking

Keep your cash ready — and earning

An interest checking account that earns more as your balance grows. Maintain a daily balance of $2,500 or more to waive $10 monthly account fees.

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Two adults at a desk working on a computer in a bright home office, with one person seated and the other standing nearby. Behind them are bookshelves filled with books and decor, and a guitar rests against the wall next to the shelving.

More balance. More interest. Simple.

Investor Checking lets you park cash between investments (keeps it liquid and growing) with math you can explain to a Labradoodle. Higher balances earn higher rates, computed daily and paid monthly.

Feature		Investors Checking Account
Feature	$25,000+	$2,500–4,999	$5,000–24,999
Dividend Rate (Interest)	0.20%	0.15%	0.15%
APY¹	0.20%	0.15%	0.15%

FAQs about Investor Checking

Yes. Investor Checking is an interest checking account designed for members who want to keep cash accessible while earning more on qualifying balances. It can be a strong fit if you want funds available between investment opportunities instead of locking them away.

Investor Checking uses tiered rates, which means higher balances can earn higher rates. If you’re looking for a tiered interest checking account, this account is designed to reward larger balances while still giving you convenient access to your money.

It can be, depending on how you plan to use the funds. Investor Checking may be a good fit if you want to keep cash liquid between opportunities while still earning interest, along with access to features like Visa debit card, ATM, and digital banking. Investor Checking tends to be a better fit for people to organize their investment dollars in the short term, unlike Max Money Market which is more often a longer-term, higher-balance savings option.

Access through ATM, Visa Debit Card, Online, Mobile & Phone Banking.

Your interest is computed daily and paid monthly.

Why LMCU?

Sometimes our members say it best.

Family of five people seated together on chairs in a living room, with a kitchen, refrigerator, and fireplace visible behind them.

"We've been with Lake Michigan Credit Union for over 10 years.”³
The Garcia Family, LMCU Members

“Branches are all over the place, they're easy to access, and it's easy to transfer money back and forth to one another when we go out.”³
Doug B., LMCU Member