Banking that answers to you, not shareholders.
Higher yields, lower fees, and a real person on the other end of the line. Join 84,000 members who trust Potheir with their financial future.
Everything you need. Nothing you don't.
Free Checking
No minimum balance, no monthly fees, free debit card with instant lock/unlock.
High-Yield Savings
Earn 4.35% APY on every dollar. No tiers, no games, no expiring promo rates.
Low-Rate Loans
Auto, home, and personal loans starting at 5.99% APR for qualified members.
Instant Transfers
Send money to any member in seconds. Zelle and ACH included at no cost.
24/7 Fraud Watch
Real-time alerts and zero-liability protection on every card transaction.
Live Human Support
Talk to a real person in under 60 seconds — by chat, phone, or in a branch.
The math is on your side.
Because we're member-owned, our profits go back to you as higher yields and lower rates.
| Product | Rate | Term |
|---|---|---|
| High-Yield Savings | 4.35% APY | No term |
| 12-Month Certificate | 4.75% APY | 12 mo |
| Auto Loan (new) | 5.99% APR | up to 72 mo |
| Home Equity Line | 7.25% APR | 10 yr draw |
| Rewards Credit Card | 16.99% APR | Variable |
You're not a customer. You're an owner.
Potheir Credit Union was chartered in 1954 by seven teachers pooling their savings. Seven decades later, we serve 84,000 members across 34 branches — and every single one of them has an equal vote.
- Federally insured up to $250,000 by NCUA
- $0 overdraft fees on Everyday Checking
- 3.1M in community grants awarded in 2025
Become a member in 5 minutes.
Apply online and, once approved, your new account opens with a $0 balance.
Need help? Chat with us live.
Real people, 24 hours a day. Use the chat bubble in the corner.