CD Rate Bonus

Get Paid 2 Days Early

ATM Refunds

Legacy Checking Account Logo

Checking that gives more back.

Earn more, switch easier, and keep the local service you trust.

Legacy Checking is built for members who want more value from everyday banking. Earn 0.50% APY on qualifying balances, get useful account perks, and use EasyMove to help transfer your direct deposit, auto-pays, and subscriptions with less hassle.

  • Earn While You Save1 - Earn 0.50% APY on your full balance with a $2,500+ average monthly balance
  • CD Rate Bonus2 - Get a +0.25% rate bonus on new money CDs
  • Free Paper Statements3 - Mailed to you when requested, without the extra fee
  • Free Checks4 - Get two boxes of standard checks per calendar year, on the house
  • Free Cashier's Checks5 - Get up to 3 per month for the bigger moments
  • $10 ATM Refunds6 - Use any ATM and get qualifying fees refunded up to $10 per month
  • Get Paid Early7 - Access eligible direct deposits up to 2 days early
  • No Minimum Balance8 - No fee just for keeping a lower balance

First Community Credit Union is a member-owned financial co-op serving nine full-service branch locations in Beloit on Park Ave or Willowbrook Rd, Janesville, and Monroe, Wisconsin and Freeport, Rockford on Riverside Dr or State St., Belvidere, and Roscoe, Illinois.


*Annual Percentage Yield. Refer to our Truth In Savings Disclosure for full details on product requirements and terms. 1A 0.50% APY will be paid on the entire balance if the average monthly balance is $2,500 or greater. No interest will be paid if the average daily balance is less than $2,500. 2+0.25% CD rate increase applies to new money certificates only and is valid for one year from account opening; additional terms and minimum deposit requirements may apply. 3Free mailed paper statements are available upon request. 4Two free boxes of standard checks are available per calendar year. 5Free cashier's checks are limited to three per month. 6ATM fee refunds are available up to $10 per month, subject to account qualifications, and may not include all foreign ATM fees. 7Early pay availability depends on timing of payer's submission of direct deposit and is not guaranteed. 8Membership eligibility required. Fees, terms, conditions, and account qualifications are subject to change without notice. Additional restrictions may apply. Federally insured by the NCUA