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In order to get started, select an account that works for you.

Carter Cash Back

Get rewarded for everyday spending with our free checking account that pays you back.

Earns 3% cash back on debit card purchases up to $300 per month.*
Receive up to $25 in nationwide ATM fee refunds each month*
Open a Rewards Savings account to earn even more
No monthly service fee
Easy Reward Qualifications:* Make 11 posted & settled debit card transactions each cycle, Have 1 ACH transaction (direct deposit or automatic payment), Enroll in and receive eStatements

Carter Rewards Checking

Enjoy a checking account that rewards you with higher earnings and valuable benefits. Our rewards turn your everyday funds into more.

Earn 2.25% APY on balances up to $10,000*
Earn 0.25% APY on balances over $10,000*
Receive up to $25 in nationwide ATM fee refunds each month
Open a Rewards Savings account to earn even more
Easy Reward Qualifications:* Make 11 posted and settled debit card transactions each cycle, Have 1 ACH transaction (direct deposit or automatic payment), Enroll in and receive eStatements
No monthly service fee or penalties

Rewards Savings

Open alongside your Rewards Checking or Cash Back Checking. Earn above-average returns while building savings for what’s next.

Earns high yield dividend rewards
Earns 1.5% APR on balances up to $25,000.00 each month that rewards qualifiers are met*
Available to members who maintain a Rewards Checking or Cash Back Checking
No monthly service fee*

Certificates of Deposit

Grow your savings with confidence through our CD options. Choose a term between 6 and 60 months to lock in earnings and plan ahead with peace of mind.

Opening deposits start at $1000
Have your dividends added to the CD balance or deposited into your checking or savings account each month
Certificates can be renewed or funds withdrawn at maturity*
Click here to view current rates

6 Month CD

Money Max

Designed for those who desire higher deposit balances but prefer not to tie up funds in certificates or other investments.

Tiered dividend rates for maximum earnings
Allows up to six transactions during the month
Minimum monthly balance of $2,500 or greater to avoid the $8 monthly service fee*

Christmas Club

Minimize holiday stress by saving all year long. Plan ahead for the Christmas Season with a Christmas Club Account and enter the holidays prepared.

Automatic transfers or direct deposits can be set up to help you save all year long
Savings automatically sweep to your checking or savings account on November 1st

Carter Classic Checking

Enjoy a traditional checking account with valuable benefits and dividend earnings.

Earn dividends on your balance
Members 55 and older receive two free books of checks each year
No monthly service fee with a $1,000 daily balance*

Carter Free Checking

Keeping it simple and convenient for your everyday spending with our Free Checking.

No monthly service fee
Easy to manage account

Membership Savings

Earn and save with our Membership Savings Account! This account establishes your membership with Carter Credit Union.

Earn dividends monthly
No monthly service fee*
The minimum opening deposit of $5 includes your one-time membership fee and the $1 balance required to establish your membership.

Additional Savings

Add another savings account to keep money set aside for a specific goal—like a rainy-day fund, vacation, or upcoming expense. It works just like your regular savings and helps you keep funds organized.